23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Reference # : XXXX Liability : {$0.00}
Product: Debt collection

They also left messages saying it was in my best interest to call back inferring I had a debt to settle or a negative connotation. I know for a fact it is illegal to do that in a message because they do n't always know who has control of that phone or voicemail. These are malicious attempts and each person should be fired that has left a voicemail in such manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, Im writing, in regard to the above referenced accounts and transactions. This vehicle was charged-off by XXXX XXXX XXXX XXXX in the state of XXXX, XXXX XX/XX/XXXX and resold on XX/XX/XXXX. 
Under the laws of the state of XXXX  UCCs code, you will need to look this up and state XXXX  and XXXX  statues, a deficiency can not be claimed unless all the required were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof in provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCA and FCRA.

In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute this collection put on my credit report to no avail. 
I sent out a request for validation months ago and no one got back to me, I received no response from XXXX XXXX XXXX or Experian showing proof or validation of this debt. Yet Experian said its valid and still reporting to credit report. 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

XXXX is an open complaint. mr. Cooper sent me a letter asking me to contact them regarding the issue. I sent them an email with the issues in response. They did not respond. I sent an email asking them to validate receipt. They did not respond. I copied the CEO, and top level execs, and they did not respond. They are not responding to the issue. I could not update the complaint. I have attached a copy of what I sent in response to the above complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that isstill reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$78.00}
Product: Credit reporting or other personal consumer reports

I recently Reviewed a copy of my credit report and noticed I have fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Was depositing my cash In the amount of {$320.00} at the atm in XXXX atm. the the atm short down and took my money. I call and informed the bank about what happened. they said they were going to investigate. they later credited me {$60.00}. they said the day that took my information said that I said I deposited 3 {$20.00} dollar bills. I called then again to have it fix but they did nothing
Product: Debt collection

Hello On XXXX the XXXX I requested a copy of the XXXX report, chain of custody, proof of purchase and a copy of their license to say they can collect in my state. In return they sent a letter saying they enclosed a copy of a billing statement, account summary, which is not what was requested.
Product: Credit reporting or other personal consumer reports

This account was fraudulently opened in my name using my personal information as well as changing personal information of mine. I never opened this account and was not aware of this account until obtained a credit report. Ive emailed all attached documents to all XXXX credit bureaus as well as mailed a copy to your company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6300.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX  Date opened XXXX XXXX, XXXX XXXX Balance {$11000.00}
Product: Debt collection

I contacted the law offices of XXXX and XXXX in Virginia at XXXX to resolve the unpaid balance of my Capitol One account. A male XXXX, XXXX XXXX failed to make a disclaimer stating the call was being recorded and any information obtained would be used to collect a debt. I advised him that multiple attempts to discuss my account had resulted in hang up calls. He located the account by first and last name after I declined to provide my SSN. He then verified the name, address and last 4 digits of the SSN on my account, apologized that other reps hung up and proceeded to hang up as well. The total length of the call was XXXX minutes and the call was " disconnected '' with no follow up call even though I asked that he confirm the phone number in case we got disconnected. This happened repeatedly and resulted in nonpayment.
Product: Credit card

Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft XXXX XXXX XXXX, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within 5 business days of this complaint date. Also, All three credit bureaus XXXX, XXXX, & Experian- Please remove asap. 

XXXX XXXX XXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ XXXX  Monthly payment- Past due amount {$490.00} Account name XXXX  XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license
Product: Mortgage

in XX/XX/year> we closed in a mortgage knowing as second home due to us living in a different state at the moment and that was clear to the loan officer that we will be moving to the home as soon we closed because our rent was too high. At that time our credits were above XXXX still the loan officer closed the deal with a % 3.99 and made me buy points when the rate was lower in the two. 6 months later we realized that the disclosure form was fraudulent. we then checked everything else and find that the appraisal report did not disclose all the issues with the property at time and had the home with a XXXX SQ extra. At many accessions we asked the loan officer to fix the reporting from second home to primary home she refused. And now we realized the bank put our property as an investment property in their system which means we are generating money from the property. we reach out to the loan officer instead of help she is retaliating and treating us to report us to her fraud department if we insist on the reclacification request. We believe that we are the first and will not be the last victim of this Mortgage company with a banking license.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is a CLOSED ACCOUNT. This account was part of my 2019 Bankruptcy. LEGALLY they can not report an account that has been discharged in bankruptcy as open and active. It is your responsibility as the credit reporting agency to report accurately. So please do so.
Product: Credit reporting or other personal consumer reports

late payment is incorrectly reported, in accordance with XXXX U.S.C. XXXX I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was told that my account was closed, but transactions still occurred after the account was closed. I was denied the ability to retrieve my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. 

This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified as incorrect on my LexisNexis Accurint Report.

The item in dispute is the Incorrect Possible Properties Owned by Subject that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). 

This is my fourth notice to LexisNexis regarding the Incorrect Possible Properties Owned by Subject that LexisNexis continues to erroneously report on my LexisNexis Accurint Report. This information is incorrect because I do NOT, and NEVER have had, any ownership interest in XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. 

Enclosed is a printout of the public record information regarding the property from the XXXX XXXX, Illinois Clerks Parcel Information Look-up website that supports that I do NOT, and NEVER have had, any ownership interest in XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX See attached Supporting Document # XXXX ). 

I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit profile and noticed multiple fraudulent hard inquiries. These inquiries are unfamiliar to me and I never given my personal information out for these inquiries and I never gave my consent/authorization for these inquiries. Below I will listen to fraudulent inquiries to be disputed. 

XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Services XX/XX/XXXX XXXX XXXX  Acceptance XX/XX/XXXX Capital XXXX via Dealer XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXXl XXXX via Dealer XX/XX/XXXX
Product: Debt collection

I had a private student loan that was paid and full, the debt was bought by another company and they are stating I owe interest. But the amount was paid in full. Now it has been sold again to XXXX and it is a balance on the account that I do not owe. I tried to reach out to the original loan holder and they no longer exist. and when I reached out to XXXX  they said when I mailed in the pay off amount in the time the check got to the original owner of the loan I incurred interest. which is not possible. They gave me an amount and a pay off date, not the new debt holder but the original owner of my private student loan. this information is incorrect.
Product: Debt collection

Credit Bureau was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with Barclays Bank Delaware resulting in redacted account number xxxxxxxx XXXX. 
I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Back in XX/XX/2015, I confused the monthly payment due date of my XXXX XXXX credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...
Product: Credit reporting or other personal consumer reports

I am writing to follow up my complaint regarding the presence of several delinquent accounts listed on my recent credit report, which I obtained and thoroughly reviewed. Upon examination, I discovered numerous inaccuracies and discrepancies that have caused me significant distress and concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

I was contacted by True Accord earlier this year regarding a debt they alleged I owed to XXXX XXXX XXXX, former landlords. I asked that the company verify the debt as I do not owe the company anything, I am still awaiting the return of my security deposit. I disputed the balance owed in XX/XX/year> with documentation proving I dont have a debt with the company. To date, I have not heard back from either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- The accounts below hould not be reporting on my credit reports by law : XXXX ( Account numberXXXX ) opened XX/XX/2019 DISCOVER BANK ( Account number-XXXX  ) opened XX/XX/2019 XXXX