23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon inspection of my credit report, I noticed the following information is incorrect : My full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

My date of birth is reported incorrectly. 

My social security number is reported incorrectly. 

My current address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

You have listed several companies as employers. These are not my employers, please remove from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Product: Credit reporting or other personal consumer reports

SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that XXXX XXXX XXXX, XXXX. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, XXXX XXXX XXXX, XXXX. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And XXXX XXXX XXXX, XXXX. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.
Product: Credit reporting or other personal consumer reports

I need this inquiries on my Experian removed off my report as it is not and has never been authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # 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
Product: Mortgage

My loan was sold from XXXX XXXX several years ago to XXXX. I'm sure you are aware of XXXX XXXX  " problems ''. XXXX then sold my note to Ocwen Loan Servicing probably around XX/XX/XXXX I think. I have had problems with the ( Ocwen ) ever since. Right now, I am trying to modify my loan but as is practice with Ocwen they take their time and then start sending foreclosure notices. Over a year ago, they raised my mortgage payment with only three weeks notice. I know the loan is an ARM, but that was a little much. I told them I could not afford the payment, filled out the modification paperwork and they denied it because they were showing my income double what I was making. When I called their attention to it they refused to make the correction and told me I could make the payments. I did for almost a year but had to file a Chapter XXXX bankruptcy last XX/XX/XXXX due that reason and my credit was great. Not now. The bankruptcy was discharged in XX/XX/XXXX. I signed a reaffirmation with Ocwen that XX/XX/XXXX as that is how long it took to get them to furnish one. They never filed a proof of claim until the bankruptcy trustee filed a complaint against them. It took them almost six months to provide the proper documentation six months after the bankruptcy was discharged. During that time I lost my job inXX/XX/XXXXand started a new job in XX/XX/XXXXmaking almost {$600.00} less a month. I have been trying to get the loan modified since the beginning ofXX/XX/XXXXbut Ocwen could not do anything until the bankruptcy issue was taken care of. I do not know how they manage to stay in business. Anyway, as soon as the bankruptcy court stated they had a lien as a debt collector and not a mortgage company, then the " collection '' letters began. I am almost 3 months behind on my mortgage and this modification could have already been taken care of. I am still waiting to hear their decision. I feel trapped.

I would appreciate any input you might have. Thank you,
Product: Vehicle loan or lease

XXXX XXXX of XXXX wa on Saturday tryed to get a loan for a truck they told me the loan companey had tomaney apps to prosses could not get an answer on the loan then the following monday they said Southern cascade of XXXX Or has my loan I sighned nothing with southeren cascade then southern cascade I asked for copy of contract I signed with them they said they didnt have one then they a month later sent me via email the contract with XXXX XXXX of XXXX WA they have nothing with my signature on no contract or anything I said I needed a contract with sutherne cascade mailed to me they told me no this is a fraud contract they have no proof I agreed to there contract with southern cascade they keep sending me copys of the agreement with the dealer ship to try and find me a lender so I can look at the offer never talked to them again then found out the Lending comaney is part of XXXX XXXX of XXXX and there is 13200 complaints of fraud accounts on southern cascade and XXXX XXXX of XXXX and Orgon lots on XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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

XXXX XXXX sent a collection account to National Recovery Agency on XXXX for the amount of {$66.00}. I was never notified of owing any money to XXXX XXXX, I assume this is XXXX XXXX XXXX. I have other ongoing medical accounts with them that are all in good standing. National Recovery Agency never contacted me regarding the account. They reported it to XXXX on XXXX. When I called National Recovery Agency on XXXX they stated they sent me a letter on XXXX which I have yet to receive. I was never given an opportunity to pay or dispute this bill. I actually have no idea what it is for. My credit score dropped XXXX points on the day before I was going to apply for a new auto loan, this has caused me undue damage and cost me considerably, this is the definition of Unfair Credit Reporting Practices. I paid the {$66.00} and a fee to National Recovery Agency as I need this removed and corrected asap and don't have time to find out what I am being billed for.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my consumer report I noticed a Bankruptcy being reporting. 
I attempted to dispute and get the Bankruptcy deleted for a few reasons. 

1. There were several inconsistent data points on my consumer report causing it to be inaccurate. 

2. XXXX and Experian stated that the US Bankruptcy Court reported the bankruptcy however, when I contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX XXXX. XXXX XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

3. XXXX XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I Contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX. XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

( Violation 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a Consumer right to privacy '' ) ( Violation 15 usc 1681b ( a ) ( 2 ) '' No Permissible Purpose/No Written Consent In Addition, FTC state , The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data.Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

No, you are not following the requirements. As stated above my privacy as been violated Under the Gramm Leach Bliley Act. 
15 U.S. Code 6801 - Protection of nonpublic personal information.
Product: Debt collection

My wife, sister in-law and I all received phone calls from all different numbers, saying that my wife has to pay an old debt or she'll be reciveing a summins for court in 3 days unless she settles it today. My panicked and was corropertive with them. Myself was not and started questioning them what it was all about and their name and they wouldn't give any information unless I agreed to pay the amount. I contacted my bank and notified them and they urgently told me to lock my card and it was too late my wife had already gave the card info.
Product: Debt collection

I applied for a credit line increase on my XXXX XXXX XXXX credit card. 
The next thing I received was a notice from the collection agency that I owed XXXX on an account closed XX/XX/2019 and that account had a XXXX dollar balance per credit union requirements. I closed my checking account over 7 yrs ago and that was paid also I replied back to the notice that they need to validate this debt but instead of validating they reported it to the credit bureaus. See attached statement from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems keeps removing account from credit report and then turn around and repost it with a new and more recent " Account Open '' date. This is an unfair and deceitful practice that is used in an effort to cause unfair credit impact.
Product: Debt collection

Wakefield and Associates at XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of {$880.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : DEPT OF ED/XXXX  - XXXX DEPT OF ED/XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate item on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The following account contains incorrect and/ or unverifiable information and should be deleted immediately. 
Creditor Name : XXXX XXXX. 
Account Number : XXXX Balance Owed : {$430.00} Date of Last Activity : XX/XX/2024 Payment Status : XXXX XXXX
Product: Mortgage

We have been trying to get a modification from Statebridge Mortgage and they have been jerking us around. We have applied several times. The last time we applied, they denied us, with a reason that they required {$27000.00} for a modification. PLEASE NOTE, NO ONE TOLD US THAT {$27000.00} WAS REQUIRED, THE ONLY TIME WE KNEW THAT WAS IN THE DENIAL LETTER. HOW CAN THEY DENY FOR SOMETHING THEY NEVER ACTUALLY REQUESTED FROM US? 
Anyway, a sheriff sake date was set for XX/XX/XXXX, and we applied for an extension and was given adjournment till XX/XX/XXXX being the new sale date. We then sent in another modification request and they have totally ignored us. There is not even a response to the application we sent in, and when we call, the customer service person does not have any information, and the representative assigned to our file XXXX XXXX, has NEVER HAD A CONVERSATION WITH US, NEVER RESPONDED TO AN EMAIL, AND NEVER AVAILABLE TO TALK. We were told that she tried calling ONE TIME a few weeks ago, but didnt try to at least respond to any emails weve sent. 
STATEBRIDGE WANTS TO TAKE OUR HOUSE JUST BECAUSE WE OWE UNDER {$100000.00}, AND THE HOUSE IS WORTH OVER {>= $1,000,000}! THEY ARE TRYING TO HAVE US LOSE THE THOUSANDS WE HAVE WORKED HARD OVER THE MANY YEARS AND PAID ON OUR INVESTMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I contacted Global Client Solutions also known as XXXX XXXX XXXX, regarding resolution of 3 accounts to be made. They required deduction of {$540.00} per month from my account and told me they were going to work with the 3 accounts to pay them. Upon receiving current statements from the 3 accounts, I saw that NO funds have been transferred to the accounts to date, plus I am being charged late fees from each of the accounts, along with reducing my credit rating. 

On XX/XX/XXXX, I contacted my bank to stop payments to them, and have asked Global Client Solutions for a refund of all funds they have taken. 

To date, I have not heard from them
Product: Credit reporting or other personal consumer reports

My XXXX  Trafficking request was not honored as required by law. They claimed they did not receive required documentation. This is not true. They also claimed they gad made XXXX attempts to contact me. This is also not true. I have provided the companies with XXXX different proofs of XXXX  Trafficking victim status, all signed y different governmental entities who have the authorization to sign my documents. I was denied all three times. I was also not contacted within the XXXX business days required by law.
Product: Debt collection

I had not been supplied with any notification of said debt. I would like this to be removed as it is negatively impacting me as it is being reported to the experian and transunion credit bureaus. They failed to provide any verification nor have they informed me of any rights to dispute the debt. My information was illegally shared without my consent so I am requesting it be removed from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been dismissed due to long term XXXX. XXXX still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there are creditors and a collection reporting on my credit report that are not mine. 
I reached out to each company reporting and they we're all able to confirm with me that I am not even in their systems. 
I believe all this has been caused by Equifax 's breach. I believe these accounts are someone else 's possibly. 
Below is a list of the companies that I would like to have permanently deleted from my Equifax Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management Inc reached out to me, behind the creditors, XXXX, back to call me so I can make a payment, and said I had NO option and no settlement even if this is or isn't my account. Now, I was told that I can make payments, and they will NOT add my account on my credit report, and I was a little skeptical but felt like let me pay something so I don't get in trouble ; but they also told me that I HAVE to pay and it will only be {$62.00} bi-weekly so they don't add it on my credit report. I am not liable for this debt with Midland Credit Inc and do not have a contract with XXXX. They do not provide me with the original application like I asked, so I want to get this settled so they can STOP taking my money out of my bank account. I did STOP the payments because something seems off about their methods so I want to get this resolved.
Product: Debt collection

XX/XX/2017 {$26.00} Would like to know how i owe this bill?
Product: Money transfer, virtual currency, or money service

XX/XX/23 : Sent {$990.00} USDC from my personal crypto wallet to the corresponding USDC wallet within my Gemini account. Money never appeared. Only after I realized the Gemini wallet shows the ethereum network and I sent the funds from the XXXX network so even though my Gemini wallet has my money in it ( verified by Gemini and on block chain ) they cant do anything about it even though they have access to that wallet. Im sorry but telling someone there money is just gone and inaccessible doesnt really add up and Im not sure a lawyer would accept that either frankly.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and require immediate attention. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Debt collection

In XX/XX/XXXX I became aware of a fraudulent XXXX XXXX XXXX  account opened in my name that had been sent to collection XXXX it was not paid. I am the victim of identity theft and this is not the first time I have dealt with a fraudulent transaction in my name. I informed XXXX XXXX XXXX of this and they sent me a ridiculous form to complete along with several other documents they wanted to prove identity theft. Among the documents they wanted proof of residency via a utility bill. However, all of the bills are held and my husbands name. When I explained my predicament they told me they couldnt help me and I should just pay the almost {$1400.00} bill. However, the debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX sold the debt to was very understanding. They removed from their collections list and informed XXXX XXXX XXXX that their investigation concluded the account was identity theft. I did not great another thing about it until XX/XX/XXXX when XXXX XXXX XXXX sold the debt to another debt collector ( IC Services ). This time when they sold my debt they also gave the debt collector my real address ( that they only had because I had provided during the identity theft investigation with the previous debt collection agency ). I again had to him through hoops to get the collection removed from my credit and provide the collection agency with the appropriate information to prove I am a ongoing victim of identity theft. XXXX XXXX XXXX has been ruthless. Furthermore, if they would have done any due diligence when opening the fraudulent account for the thief that was illegally using my information they would have quickly seen that the address provided when the fraudulent account was opened does not even exists. XXXX XXXX XXXX shows no compassion for the victims of identity theft. The fact that they put the burden of proving innocence on the victim is disgusting. Especially since they could have prevented this entire issue if they had just looked a little further into the thief that opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting my delinquent Navient account beyond the 7 years. The date of last payment as reported by XXXX is XX/XX/2013. So why havent this item been removed yet?
Product: Student loan

XXXX XXXX me into around {$45000.00} in student loans, and now i have debt with high monthly payments and no work in my field of study. I have worked paycheck to paycheck since i graduated XXXX 2011, and still have zero luck in finding a decent job. i somehow managed to pay $ XXXX- {$18000.00}, but i also worked side jobs to manage my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed on XXXX that incorrect data will remain on report despite being provided source information that differed from their third party reliance on information.
Product: Credit card

I received a message from someone saying they are receiving Amex statements with my name on them associated with a business I've never heard of. Please remove my information from Amex, I've never done business with this company.