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

I disputed with this company a month ago and their information came back verified. But I stated then that I was a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. These are the fraudulent accounts, XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} please delete forever!! I currently can't check me XXXX Credit Report so it's possibly more fraudulent accounts on it. I really need to speak with someone so that I can see what's on my XXXX report. 

Attached are documents with my claim number for compensation for damages done to my credit and my whole life. 
I request that this fraudulent information and accounts and addresses used for fraudulent activities be deleted for my report immediately!!
Product: Student loan

RE : XXXX This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request.
Product: Mortgage

sorry i forgot also in our complaint they said they talked to XXXX county about our taxes we live in XXXX county prof they have us mixed up
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the debt collector claiming a debt against my person from XXXXXXXX XXXX XXXX  a predatory faux bank that is probably dissolved by the time you read this. 

XXXX XXXX called. She was on a recorded line. She was also being coached by her manager who just couldn't allow me to get all the information needed to request a verification letter. He had to jump into the middle of our call to denigrate me in hopes that I would forget reason and pull out a credit card jedi mind trick style. I Repeatedly attempted to have them send the verification of the debt by mail, they said they would show me right now, I am not near a computer and have the right to request by mail.

Therefore I refused this offer and requested it again by mail. They claimed they already sent it which I once again made clear I wouldn't have opened any mail I don't expect to come as the level of junk in mail has made the use of the service feel dirty in general. I asked again politely to send via mail.

They refused to do so and the manager of the girl who was very nice and answering my questions took fully over the call and started saying ignorant mockery of my character. " sounds like you aren't ready to pay this debt. '' XXXX XXXX XXXX  I do not even know who you are or what this is or anything. Could be a scam. 

Then he says " sounds like you just don't have the money to pay. '' At this point I asked for no further contact via phone at all and all future contact be via mail and hung up because you aren't going to call me in the middle of my work day and disrespect my value. 

XXXX Midland Credit Management in their XXXX. 
XXXX anyone who spends any time trying to spread gross hatred of anybody instead of love and liberty and the pursuit of a noble life. 
XXXX managers taking over perfectly acceptable calls of agents because their ego can't handle a strong man leading the call. Whatever your name was sir, you are a XXXX XXXX XXXX XXXX  and deserve nothing lovely in this life. Amen.
Product: Credit reporting or other personal consumer reports

A person named XXXX XXXX is using my physical address. I am receiving marketing mails from CapitalOne, XXXX XXXX, XXXX XXXX XXXXXXXX and few other financial organizations in the name of XXXX XXXX and coming to my address. Coincidentally i have credit or checking account with some or most of these financial organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what XXXX have done to hurt us.
Product: Debt collection

I received a threatening phone message from Concord Resolutions XXXX asking me to contact them regarding a " sealed matter '' or I would face legal action. When I contacted them they had the last XXXX digits of my social security number and an address that I lived at many years ago. They told me that I owed money for a Payday loan taken out online in XXXX. They were vague about the dates and the original creditor. They had the last XXXX digits of my bank account listed as XXXX, which is not my bank account and was not my bank account in XXXX or XXXX. I do not think that I ever had a bank account with those numbers. They agreed to stop contacting me until they sent verification of the debt, which I received yesterday via email. The original creditor listed in XXXX XXXX, a company with no contact information or online presence. I am not sure if this is a debt collection scam or a legitimate debt collector collecting on a fraudulent debt.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S CODE 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal consumer rights to privacy and confidentiality under USC 1681. 
15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 Section 604a 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 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 the the information is inaccurate. 

ACCOUNT NAMES & DATES OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

XXXX, XXXX and XXXX 2019. I have recently used my ATM card make withdrawals in a foreign country. I accept the fee charges from the foreign country banking institution, and an additional $XXXX fee from my bank. I noticed in the months mentioned I being charged an additional $XXXX  or $XXXX service fee. I contacted my bank to inquire about the addituonal fee being charged To my surprise I am being charged an exchange rate fee. To clarify, whenever I use an ATM in a foreign country I will be charged this fee. Additionally if I make a purchase using my ATM card I get charged for conversion to US dollars. In otherwords, I cannot use my ATM card in a foreign country unless I pay whatever additional exchange rate fee they want to charge my account, plus a fee for conversion from foreign money to US dollars (conversion is automatically done by the computer), if I make a purchase and use my card for payment. Regardless if it was paid as a debit or a credit card.
Product: Debt collection

I sent a debt validation letter to XXXX  to request information on a debt they are trying to collect from me. I received a letter back with no evidence and the letter stated that I owe them the debt and it's been verified.
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 rights to privacy and confidentiality under 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 XXXXXXXX XXXX XXXX # XXXX 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: Credit reporting or other personal consumer reports

XXXX continue to keep XXXX consumer on my credit report for credit card debt even after I seemed attorney to clear up credit report. It is still on my credit report as delinquent to this day in XXXX.
Product: Credit card or prepaid card

Someone tried to open American Express credit cards under my name and my wifes name on or around XX/XX/XXXX XXXX We did not try to open these accounts. We informed American Express and they have marked the applications as fraudulent.
Product: Money transfer, virtual currency, or money service

About a week ago I tried to log into my PayPal account. They wanted to verify my by sending a number to my phone. I think they did not do it because it is a XXXX XXXX number. I did not have a cell phone. I was on the phone with them for XXXX minutes. They deleted my phone number and added my wife 's cell phone number. It did not work either. Then they said they could verify me by asking several questions about what I have owned in the past including some from 30 years ago. I passed the test. I was still blocked. So I bought my own cell phone, a XXXX prepaid. They did not accept it either. Maybe they want me to have a post paid phone. They don't say that. So I am locked out of 25 years of of records. And I can't send or receive money. Thank you for holding them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

As XX/XX/2018 I check my XXXX XXXX account only to see transunion has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft to FTC, I have police reports and evidence. I spent over XXXX hours of my own time calling and writing to XXXX. XXXX and Trans Union no avail. 

I have filed XXXX disputes they do not even look at evidence and are impossible to reach. This is the company who breached my information to begin with! They are not only responsible for data breach but they have done nothing even after being charged as guilty in court. How this company is still allowed to monitor the nations credit is just insane. Its criminal. 

I reported disputes on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Over and over I have file disputes for the identity theft that I have clear cut evidence for. 

My identity was stolen and they opened up a XXXX XXXX, XXXX XXXX, XXXX and took out loans! 
My credit score was XXXX and now its XXXX! 
I cant get an apartment or a loan this is destroying my life! 
Destroying my credit and XXXX is partially responsible its incredibly ironic that they have control over my credit score!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). I believe that the errors on my credit report have occurred as a result of negligence in the preparation, review, or maintenance of my credit file, in violation of Section 1681. I want to buy a house for my family but this is hindering us from doing so. Thank you
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts to be deleted immediately. 
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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX account number XXXX. XXXX Inquiries XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX.
Product: Debt collection

JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX XXXX {$9200.00} This isnt my debt and this account been on my credit for 7years
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX account was bought by XXXX XXXX XXXX and I paid the account off on XX/XX/2024. I would like this removed asap off of my report.
Product: Credit reporting or other personal consumer reports

It has come to light that XXXX XXXX and DOGE, through unauthorized means, accessed personal and confidential information protected under the Family Educational Rights and Privacy Act ( FERPA ). This action constitutes a direct violation of FERPA, which ensures the privacy of student education records and restricts access to these records without proper consent.

Under FERPA, students have the right to control access to their educational records, and any unauthorized disclosure, including access by individuals without legitimate educational interests or consent, constitutes a breach of this law. In this case, XXXX XXXX and DOGE 's access to personal data without authorization is considered an unlawful disclosure of protected information.

As a result, immediate corrective actions will be undertaken, including a full investigation into how this breach occurred, and steps will be taken to ensure that all parties involved comply with FERPA guidelines moving forward. Any violation of FERPA can result in severe consequences, including potential loss of federal funding to the institution involved and other legal ramifications.
Product: Mortgage

Around XXXX. I applied for a loan modification. They told me not to make payments while they were in the process of making a determination. This took several months. By the time that they notified me that I was denied, they had my name in the newspaper and at the chancery clerks office that my home was in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per tracking, its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC XXXX XXXX reporting a higher balance and the credit limit is $ XXXX but reports I owe $ XXXX I dont know this company. I dont owe these companies
Product: Debt collection

I get repeated phone calls at all hours of the day and night from Portfolio Recovery Associates, LLC. They call from all sorts of random numbers and have been doing so for over a year now. I do not owe any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
Product: Debt collection

A {$650.00} charge appeared on my credit report ( XXXX ) from Transworld Systems Inc. I have never received any communications from Transworld prior to this. Tried calling the supposed number listed on report XXXX for Transworld, but call led to advertisement. My previous address listed on XXXX is in XXXX XXXX XXXX XXXX, XXXX, TX. I have never lived there. 

Filed a dispute to XXXX but they erroneously verified that the report is correct, that the charges belong to me. 

I also had a previous identity theft last year with the same {$650.00} charge, which was disputed and resolved.