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 items 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 items : XXXX XXXXXXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

XXXXDEPARTMENT OF EDUCATION : ACCOUNT # XXXX XXXX/DEPARTMENT OF EDUCATION : ACCOUNT XXXX XXXX XXXX/DEPARTMENT OF EDUCATION : ACCOUNT # XXXX XXXX XXXX EDUCATION : ACCOUNT # XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXXXXXX XXXX XXXX : ACCOUNT # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Can you please remove the following accounts from my credit profile because they are wrong. They go against the following codes, XXXX5 USC 1681 b, 15 USC code 1681, chapter iii, they are XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXThere is these inquires that I have no Idea who they are can you please remove them they are, 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 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 XXXXXX/XX/XXXX. I don't know who these company 's are can you research them and than remove them from my credit report and send a copy of my credit report to me.
Product: Vehicle loan or lease

On XXXX XXXX,2019, a loan was reported on my consumer report in the amount of {$21000.00} However due to this I did my due diligence and began an investigation, it has been brought to my attention that I have been swindle. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation ( ALLY BANK ). 

Pursuant to 15 USC 1692c ( c )
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX about a bogus judgement for a debt from Midland Funding LLc Assignee of XXXX / XXXX. For a balance of XXXX and the name on the letter is wrong. My name is XXXX XXXX XXXX they have XXXX XXXX XXXX. I sign my name on documents as XXXX XXXX XXXX its on my drivers license and social security card and birth certificate. My whole name is XXXX XXXX XXXX XXXX and this is not my debt
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. I have been a victim of a data breach, and I did not authorize the accounts outlined below. These accounts were opened or reported without my consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file.

Fraudulent Accounts : XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$7400.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

On Tuesday, XX/XX/XXXX around XXXXXXXX XXXX, I received a suspicious phone call from someone who claimed to represent a debt collection agency with XXXX XXXX XXXX. He knew my name, my email address, and the address of my previous residence. He insisted that I had a {$170.00} debt that needed to paid urgently, and that it has already hit my credit. 

He was very insistent that I pay immediately through his guidance on the phone, but I hesitated to oblige and eventually hung up, so he would stop pressuring me. I don't think the call was coming from within the US. It felt like a scam. 

I then went to check my credit to see if there was any truth to what he said, and I was shocked to see that my XXXX score was indeed affected. A company by the name of Creedence Resource Management had reported this falsified {$170.00} debt to my XXXX account. 

I searched this company online to discover that dozens of others have been victimized as well - virtually all of them mentioning a similar scam involving a falsified debt with XXXX XXXX XXXX. 

It's been about a year since I've used XXXX XXXX XXXX. The apartment that I lived in at the time bundled this service with my rent, so I paid the property management company every month, and they paid for XXXX XXXX XXXX XXXX service under my name. I received an electronic bill every month from XXXX XXXX XXXX for {$0.00} to acknowledge the payment. 

At no point should I have accrued any kind of missed payment from XXXX XXXX XXXX, and if so, one would think they would contact me directly with a notice. 

Because my XXXX XXXX XXXX account closed after I moved out, I don't even have an account to log into to see if there is even any kind of debt to pay. My email is no longer on file for them. I'm sure XXXX XXXX XXXX can verify all of the information I have shared above. 

I can only assume that this scam company obtained my personal information as a result of a data breach on XXXX XXXX XXXX XXXX end earlier this year. I'm filing this report to bring attention to the issue, and to use as documentation for the dispute I've filed with XXXX. 

I am attaching a screenshot of the derogatory mark from my XXXX XXXX account, and screenshots of some of the XXXX reviews Credence Resource Management has received - showing that others are dealing with the same issue. 

I am also attaching the final email bill of {$0.00} I received from XXXX XXXX XXXX, which was sent to me several months after I moved out. I moved into my new house in XXXX of 2022, and do not currently have any service or account with XXXX XXXX XXXX.
Product: Consumer Loan

I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments.
Product: Mortgage

Capital One Bank, Loan opened XX/XX/2008 XXXX mtg. Shortly after the loan was opened the financial crisis hit. I went past due almost right away and was charged off. I continued to work with the bank catching up on payments to avoid fcl. After catching up I asked the CSR why it still showed a charge off on my report. She told me they had a policy that I had to stay current for one year and until then it would show charge off. I argued that I could not refinance the house at a lesser rate and pay them off because of the charge off on my report. I was current buy they refused to change the rating. Time passed I went in and out of delq all along trying to sell the house. They hounded me at home and work even leaving message on my work recorder that they were going to forclose causing me quite the emb at work. I continued to try to sell the house but to no avail. I then became sick and was in the hospital for quite some time, my neighbors helped keep the house up and on the market but no one was buying. When I got out of the hospital I called them to tell them I was out and was going to begin to borrow from friends to bring current again. 
Two days later they filed for fcl. I get it, I kept trying to sell the house and got a bid that would pay off the XXXX and the XXXX if I came up with XXXX at closing. I told them I would be a little short at closing and they told me too bad and continued the fcl. I had to file bk to stay in the house and get another place to live. I did this, they got the house in fcl. After filing bk they sent me invoices for two years for the full amount and at the bottom it said " this is not an invoice ''. So I have asked them to change or delte the account because of their FDCPA violations, their claims they were helping people during that time and they would not even short sale the account for less then XXXX, because that even after I brought the account current they refused to change it from a charge off so I could refi at a lower rate and pay them off. Capital One went out of their way to make sure I was fcl on and evicted even when they had several chances to change the rating and allow me to refi. I have disputed this with the credit reporting agencies on 6 sep occasions and asked for documents and for them to report the first date of delq and they just respond saying " investigation complete '' without sending me a thing. I dont think a person looks at the disputes I think, just like my fcl, it is all automated. I have spoken with one attorney, not retained, and he wants me to just sue them but I feel at the end of the day despite the financial crisis, despite that homes of this value would not sell I was responsible. With that said I am not responsible for robo fcl 's or robo responses to my disputes. If the will delete the account I will go about my business if they wont I will take this to court for all it is worth. The recording of the lady telling me " I better pay up or I will be out in the street '' should be worth something in front of a Jury. Once again I only want them to delte the account nothing more and nothing less. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey the credit bureaus are not validating my accounts and they are not holding up to the regulations and are not making the collection companies hold up to the regulations and laws. My letters are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions, to dispute the inaccuracy being reported on my credit report from a collection agency, XXXX XXXX, with regard to a previous account with XXXXXXXX XXXX XXXX in XXXX XXXX, CA. 

I moved in the apartment at XXXX XXXX in XX/XX/2019. I paid a security deposit of {$4300.00}. My rent was {$2100.00} monthly. 

I moved out in XX/XX/2019, with 2 months of rent owed in the amount of {$4300.00}. 

I should only owe {$80.00} to XXXX XXXX, as they kept my entire security deposit when I moved out. I never received any itemized bills stating that there were any damages, so the entire {$4300.00} in security deposit fees should have taken care of my balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am thoroughly annoyed and words can not describe how angry I am. I recently complained about XXXX XXXX XXXX in terms of my 2014 lease. I went to court, contacted a lawyer, and complained to CFPB to have them remove information from my credit report regarding end of lease payments. Everything was resolved and they agreed that they were at fault and removed negative comments and adjusted my amount owed. I paid the amount due ( XXXX reference # XXXX ) and thought that all was well. In complete shock, my credit score has dropped 53 points. Went to check the reason and it was XXXX XXXX XXXX reporting that I have not paid the amount due and that it is now in collections. I filed a previous complaint thinking that they made a mistake and reported that I did not pay my car payment on time, yet it was this same XXXX  XXXX XXXX. This nightmare with this lease will not end and I am at my wits head. I need this company to remedy this situation as soon as possible. This is outrageous and I am unclear as to what kind of individuals are working at this company.
Product: Debt collection

Upon review of my consumer report I noticed Capital One Bank is reporting collection activity for 2 accounts ending in XXXX and XXXX. After further review I found out the debt was sold to a XXXX party collection agency whom I've never contracted with or gave any consent to have my personal identifying information that's IDENTITY THEFT. Nor did I give Capital One Bank consent to sell my personal identifying information. The 3rd party agency then tried to collect money from me on a debt that was already paid for when Capital One Bank wrote it off on their books. The IRS defines chargeoff as income so if Capital One Bank wrote it off and reported the debt to the IRS how can they double back and sell the very same debt they reported as a loss? Seems as though Capital One Bank is committing fraud. As well as AGGRAVATED IDENTITY THEFT aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. So let me get this straight Capital One Bank wrote off and sold the exact same debt ... .then the 3rd party collection agency contracted with and paid XXXX XXXX XXXX, and XXXX to report the alleged debt all in an attempt to coerce a federally protected consumer into paying by way of debt parking and extortion. Which is racketeering and a federal offense. Capital One Bank is contracted with XXXX under the XXXX application on their site so everybody involved has something to gain except the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccuracies on an account on my credit reports. I received no verification, corrections, or deletion as requested if actions weren't taken. They completely ignored me and blew me off.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, After reviewing my credit report, I saw some inaccuracies on my credit report I asked the Equifax to validate these accounts it's been months now and I never received nothing from them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX To Whom It May Concern, 15 U.S. CODE 1681c2 a consumer shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
Name of Companies and account numbers. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. CODE 1681b Permissible purposes of consumer report as they are ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY!

Please send me a new credit report reflecting the changes. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My wallet with all my information was stolen around XXXX of 2023. All my important information was taken and used without my knowledge. My XXXX credit card and my Digital Federal Credit Union credit was what took a hit. Both were disputed, however, the impact on my credit profile was not handled on both. 

Moreover, the disputes with XXXX is now resolved, but XXXX still has an open account where my utilization is over 100 % due to the fraudulent charge on my XXXX account. I got a police report and met all requirements that were asked of me, but the fraudulent charge is still on my XXXX account. My credit score plus my credit profile is taking a beating because of this issue. I hope this can be resolved as soon as possible because I take my credit profile very seriously and utilize my credit for business purposes. 
Thank You!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

S

pecifically, I assert that my credit information has been passed without my explicit and written permission, in violation of 15 U.S.C. 6802, which governs the permissible use of consumer information, and 15 U.S.C. 1681b, which requires that credit bureau disclosures and data sharing be made with lawful authority. Furthermore, the passing of my credit information without my lawful consent may constitute a violation under 18 U.S. Code 1028A ( Aggravated Identity Theft ), which pertains to the unauthorized use of personal identification information. Passing my credit data without my consent, and potentially with fraudulent intent, could be considered an act of identity theft and a serious federal offense. Additionally, I want to bring to your attention that there have been significant data breaches impacting your systems, which have exposed personal information for over XXXX individuals in XXXX and over XXXX XXXX people in XXXX due to hacking incidents. These breaches have compromised my personal data and raise concerns about the accuracy and security of the information being reported.