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

Im submitting 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} 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 XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XX/XX/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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I dispute this hard inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ss 1681i ), unverified inquires must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX  and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a couple of creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Experian. Those accounts are : - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX I sent Experian a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Experian stating that they updated 2 of the accounts, and that all 4 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Experian another letter through certified mail with a signature return receipt ( attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Experian sent me a one-page letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these 4 accounts listed on my credit report. Then, on XX/XX/2019, I sent Experian a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Experian in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Experian sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 4 items remain on my credit report and need to be removed.
Product: Credit reporting or other personal consumer reports

There is an hard inquiry from Capitol one which I XXXX XXXX XXXX XXXX DID NOT APPLY FOR ANY CREDIT! I am in the prices of credit repair and can not risk applying for be cards at the moment. This inquiry need to be deleted asap.
Product: Debt collection

There are a number of issues wrong with this debt. For one this debt is past seven years old. Secondly this was handled by my insurance multiple years ago, thirdly this is a third party, a debt collector getting debt from another debt collector. I have no contract with this company and have no debt with this company. They have not contacted me before parking this debt on my credit report. I know the cfpb has a strong stance against debt parking, especially old debt from over 7 years ago. This needs needs to be removed IMMEDIATELY before any further monetary loss is made. Im in the middle of a home loan and if this illegal tactic effects it we will really have problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. My information was compromised by XXXX breach in XXXX and XXXX breach in XXXXMy information has been handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Collections These collections have a big impact on my credit score and need removed.I request proof of debt.And request removal because all 3 credit agencies are not reporting same accounts time, accounts information, or acount debts Information reported must be accurate. 

XXXX Reported : XXXX XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Agency have take too long to conduct their investigation.
Product: Debt collection

I have received over 20 calls in the last week. They call before XXXX. I've spoken with two representatives and let them know my husband and I are in the process of filing bankruptcy and that we are receiving over 5 calls a day, sometimes back to back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : 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 XXXXXXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} ; MEDICAL XXXX Balance : {$150.00} ; MEDICAL XXXX Balance : {$78.00} ; MEDICAL XXXX Balance : {$51.00} ; MEDICAL XXXX Balance : {$78.00} ; MEDICAL XXXX Balance : {$78.00} ; MEDICAL XXXX Balance : {$35.00} ; MEDICAL XXXX Balance : {$540.00} ; MEDICAL XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

There is a charge of {$12.00} dated XXXX XXXX on my XXXX XXXX XXXX XXXX credit card ( owned by Comenity Capital Bank ) which I am not aware of that charge and the credit card company has not yet been able to tell me what that charge is for. However, although I never received a statement for that charge either by email or by US mail, I have been willing to pay that {$12.00}, but the collection department in the comenity Capital bank has been very deceptive, dishonest, cheater, manipulator, harassing and has been playing games with me in regard to omitting all the late and finance charges. I have talked to at least 8 different representatives and I have never experienced such dishonest and deceptive customer service in my life. A couple of them finally agreed to delete all the late and finance charges, but when I gave them my checking account information.they wanted to charge me for a couple more late fees. 
The fact of matter is that I have spent at least 9 hours with them for a charge that I am not aware of. I have always paid all my bills to all my credit card companies on time as it is evident from the enclosed attachment about the last payment for {$42.00} on XX/XX/2020. 
My XXXX  score is over 800 because I have always paid all my bills on time.This Bank is a horrible CHEATER with very poor and harassing customer service. 
I strongly believe that the company intentionally does not send, occasionally, the statements to customers to rip them off with late fees and finance charges ; m in my case {$64.00} for {$12.00}
Product: Credit reporting or other personal consumer reports

I have been disputing an account with WESTLAKE FINANCIAL SERVICES for a while now. Theres a CLOSED ACCOUNT from them on my credit report. The account doesnt belong to me. The account been closed on my report for over 2 years. Today I received an email from XXXX stating that WESTLAKE FINANCIAL SERVICES ( ADDED ) extra money to that account within the past 24 hrs. For whatever reason, I have no idea. The account have been closed and under investigation and money has NEVER been added to that account until now. This is fraudulent and unreasonable. Ive spoken to XXXX about this matter and the gentleman stated that he has NO IDEA why money was added.
Product: Credit reporting or other personal consumer reports

Per 15 us code s1692g collection agency has 30 days to provide requested information such as contract since my first dispute I have asked for this information which is my rights. Going on for 3 months now 3 times the allowed time in each of my disputed TransUnion and equifax has ignored my requested information along with my rights and broken federal law in doing so. Based on federal law alone XXXX XXXX XXXX XXXX XXXX XXXX should be deleted as I have asked for multiple times. Also the implemented law of XXXX  have been violated the sec collection has been on my credit for going on 5 months. Yet I havre not heard a word from them. The only resistance is the credit agencies fighting to keep them on while breaking federal and consumer law while also depriving me of my rights to request. Reason collection company has not presented me with requested information through TransUnion or equfax disputes is because one doesnt exist belongs to XXXX XXXX. But we are way past that per federal and consumer law. Question is how is this information even being validated why are my rights not being taken in consideration the main job of TransUnion and equifax is to report accurately and fair. They have failed me miserably and refuse to listen to me. They have turned my life upside down and have caused me months of unnecessary hardship for my family and I. Im in fear of their outlesh. As what XXXX did to me yesterday goes to show what they are capable of doing XXXX added two disputes I never did address disputes and took the two disputes that I had been waiting on and put them in like I just disputed them yesterday and the two address disputes they added came in their place Im in fear of the unknow and also what did they add or take off within those disputes I will not dispute to these companies any further because of the malicious act XXXX did yesterday to me in fear that Equifax and TransUnion will follow suite . Im officially putting my dispute through the CFPB its in blackb and white these 2 collections must be removed per federal and consumer law period these collection companies are out of control.
Product: Mortgage

U.S. Bank National Association filed Appointment of Substitute Trustee. The homeowner has passed away & the estate after trying to get them to give them a payoff for a short sale & not getting one gave the property back Deed In Lieu of. This was in XXXX2014. Would like to know why it is taking so long to foreclose on this property.
Product: Debt collection

Income execution ordered on a debt I have relentlessly fought to object over 15 years. Debtor has used tactics in the past over the phone that were threatening and has on multiple occasions used the threat of jail time to secure payment. I do not know nor recall owing any debt to this company however every year since 2004 they have been harassing me. I would like Pressler and Pressler to cease and desist. Also, they should vacate the income execution order. I am unable to provide sufficient representation to fight this matter. I am therefore request your assistance and direction in the effort to oppose this matter. It is causing XXXX.
Product: Credit reporting or other personal consumer reports

They are reporting bankruptcy on my credit when the XXXX district bankruptcy court do not report this information. I have a certified letter from the bankruptcy court, and stated that they do not report this to credit bureaus.
Product: Debt collection

Your company has sent a letter to the Credit Bureaus alleging verification that I was delinquent with a collection debt that I owed to you! This allegation may be in error. I would like you to send me the PROOF, assuming it exists in accordance with the FDCPA sections 809a & b.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 years of in corrected information on credit report, disputed over and over will not update in a timey matter positive credit balances, amounts pay offs and XXXX balances drops credit rating with no changes in credit. 
doesn't add points when credit has cleared, paid off and no late payments, and reduction in credit ratio
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications and attempts to have fraudulent items removed from my account. Despite making this attempts to resolve this matter, the fraudulent items remain unaddressed. My initial attempt to correct this issue was made on [ date of first attempt ], and since then, I have consistently provided all necessary documentation and information as requested. Here is a summary of my attempts : Despite these diligent efforts, the fraudulent items remain unresolved. This lack of resolution is causing significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an 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
Product: Mortgage

Original mortgage ( XX/XX/year> ) from Sandy Spring Bank which was sold/transferred to be managed by XXXX XXXX  XXXX XXXX XX/XX/year>. The potential issue is 1 ) Sandy Spring Bank did not properly forward and document my payment to XXXX XXXX  during the transfer or 2 ) XXXX  did not properly process the forwarded payment from Sandy Spring. 

I made an initial payment to Sandy Spring Bank of {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by Sandy Spring on XX/XX/year>. 

Sandy Spring transferred funds to XXXX XXXX  XXXX. XXXX XXXX  XXXX only processed my {$5600.00} payment but not my {$20000.00} towards my principal balance. As of XX/XX/year> they still have not located my {$20000.00} payment which was transferred over from Sandy Spring which is over 70 days or over 100 days from when my payment was cashed from Sandy Spring. 

I have called XXXX several times and have a ticket with them outstanding and provided all the details to help locate my missing funds. I have also attempted to call Sandy Spring Bank to get information and confirm that the funds were forwarded over. 

XXXX has also recently sold my mortgage to chase bank as of XX/XX/year> and since the funds have not been located it was not transferred over to my new servicer. 

This is impacting my ability to refinance at lower rates and impacting us negatively financially.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.