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

As I was getting ready to apply for a student loan with XXXX XXXX, I glanced over my credit report to observe my consumer report, I noticed a few fraudulent and inaccurate accounts that are reporting to my name that should be removed off my consumer report. I am absolutely terrified that someone out there has my information and has been using it. This has been making my life absolutely XXXX. I am unable to get access to certain things out there because the fraudulent information is destroying my credit. Please help me, this is extremely scary and uncomfortable situation.
Product: Debt collection

*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ABILITY RECOVERY SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from ABILITY RECOVERY SERVICES LLC. I am not responsible for this debt with ABILITY RECOVERY SERVICES LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting information on my credit file that is due to my identity theft case.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax credit report has been locked for about XXXX months, and equifax allowed XXXX to run my credit without my permission on friday resulting in a reduction to my credit limit. My billing cycle had not ended to which I was to make a payment before it ended on XX/XX/26. I did not unlock my credit report and was not asked for permission to release my information or report to anyone. When speaking with XXXX, they told me that equifax released information prior to my billing cycle ended to which I inquired why would they do that without my permission and my report is frozen and also why would they do that before the billing cycle ended. They could not answer the question but told me to address the issue with equifax to which I have not received an answer.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NANE 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

We are receiving notice from the township that our property tax has not been paid and we are delinquent. We placed several calls to LAKEVIEW LOAN SERVICING to inform them that the township has not received the property tax payment. We were told that it has already been sent. The first notice was for XX/XX/XXXX and the second notice was for XX/XX/XXXX outstanding tax dues. Currently, we are given notice that our home will be placed on lien if XXXX XXXX XXXX  can't provide supporting documentation that the payment has been mailed, cleared and received by XXXX XXXX, NJ. We are given untilXX/XX/2018to make the payment. We were told that they do not have access to these supporting documentation available since they use a third party company to disburse funds. I have spoken to a supervisor to assist with the issue but has not returned any call for an update. I am hoping this agency can assist me in this matter. I have a mortgage account and escrow account in good standing and it is unfair to put us through this situation when we have more than completed our obligation, to pay our mortgage on time. We have sent a copy of the delinquent notice the moment we received them. We have placed repeated calls sincXX/XX/XXXX but XXXX XXXX XXXX has not resolved this issue.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed several items not belonging to me Accounts I never opened and address that were not associated with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to obtain a copy of my free annual credit report from EQUIFAX only. I've passed through www.annualcreditreort.com, but EQUIFAX says I need to mail in documents to verify my identity, after it asked me security questions that have nothing whatsoever to do with my account. I have seen many complaints similar to mine about EQUIFAX online. EQUIFAX is unable to provide credit reports online.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently received a copy of my consumer report and discovered numerous inaccuracies in the negative accounts reported. This has not only negatively impacted my ability to obtain credit, but it has also shattered my trust in the banking system. I have been denied credit cards and home loans due to these inaccuracies, which have not only tarnished my reputation but have also taken a toll on my mental and physical well-being. There is no law that mandates consumer reporting agencies to provide information about a consumer, which is why Congress outlined the importance of this role under 15 USC 1681 ( a ) ( 3 ). Furthermore, your company has failed to uphold fairness and respect for my privacy as specified in 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were thoroughly and fairly investigated. Additionally, please provide details on the system and criteria used by your company to verify transactions. Your actions appear to be in violation of several federal laws, including those that protect consumer privacy. I am giving your company the opportunity to rectify this situation by deleting these fraudulent accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially Equifax as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything thats in this letter please remove it doesnt belong too me please delete it
Product: Debt collection

I asked front desk if I owed any money and the lady said no. I thought it was free probably because it was an annual physical. I did n't get a bill in mail. I relocated from XXXX, XXXX to XXXX, XXXX few months later and now do n't know how I can pay online. I logged back into the providers website but there was no bill that I could see.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX. I recently noticed fraudulent accounts on my credit reports. I have disputed these accounts as identity theft with proper documentation. TransUnion has notified me that the following accounts have been verified by the original creditor. with that being said TransUnion is in clear violation of my consumer rights. 

XXXX XXXX ACCT # XXXX BALANCE = XXXX BALANCE UPDATED - XXXX THIS ACCOUNT IS NOT SHOWING MAXIMUM POSSIBLE ACCURACY.ACCORDING TO 15 USC 1681e ( b ) the balance should be reported as 0 also this account balance has been updated as stated above but it's reporting the same balance that is not accurate.

this accounts also in violation of 12CFR 1006.34 ( b ) ( 5 ) also 12 CFR 1006-34 ( c ) ( 4 ) ( i ) and 12 CFR 1006.34 ( d ) and15 USC1681-S 2 ( 7 ) ( A ) please delete this account from my credit report as i have stated to Transunion that i do not have a relationship with this company. I was not notified of this debt before it was placed on my credit reports therefore, I wasn't given an opportunity to dispute the debt before it was placed on my credit report. XXXX XXXX has sent me a bill as verification that alone is not a verification of the debt by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed Synchrony Bank Amazon / Synchrony Bank WalMart / Synchrony Bank Chevron a debt payment plan contract offering to pay {$25.00} per month until my debt is paid. Synchrony bank accepted the terms of my contract by cashing my post-dated check. Synchrony Bank is reporting that my account ( s ) is delinquent on my credit report. Synchrony Bank cashed my post-dated checks early. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( XXXX ) XXXX WalMart Mastercard / SYNCB Acct # ending in XXXX WalMart Mastercard / SYNCB XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 According to my XXXX account online records, I owe {$6000.00}. I am not disputing this debt but, my financial situation does not allow me to pay off the debt using the minimum payments that you're demanding. 

I agree that I am able to pay {$25.00} ( XXXX dollars ) on  the XXXX of every month starting XX/XX/2019 until the debt is paid off. I would appreciate a confirmation letter from you documenting your acceptance of my payment terms. However, if I do not hear from you, I will consider your cashing or depositing my check as confirmation that you accept my payment terms. My rights are protected under the law and refusal to accept my payment terms will void/cancel the debt. If my payment terms are rejected I expect the payment to be returned to me immediately in the enclosed self-addressed stamped envelope. 

XXXX A COPY OF THIS DOCUMENT WILL BE PROVIDED TO XXXX, XXXX, XXXX & THE FEDERAL TRADE COMMISSION. ***
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Dear Sir/Madam : In past years I have been a customer of Springleaf Financial. I have had serveral loans which I paid on time, or paid off early. Applying for a new loan, I was denied. I feel that they have discriminated against me, for they have no valid reason. Since I had ALWAYS PAID Springleaf they have no justification of denying this small loan of {$2500.00}. 
Therefore, they are granted a license by the state and federal government agency to help people in time of need. As you are aware 26 % is no bargain. 
I am requesting that this matter be looked at. 
Thank-You XXXX XXXX
Product: Debt collection

I claim my name, I claim my mind, my soul, my spirit, my birth record as a member of XXXXXXXX XXXX, and I reject any assumption or presumption of being considered property within a trust under a UCC ; Uniform Fraudulent Transfer Act ( TUFTA ). It involves transferring assets or property with the intention to hinder, delay, or defraud creditors, which is essentially what the act aims to prevent or remedy. The Fraudulent Transfer Act. Could you please provide the documents related to how you comply with accounting standards such as XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX, XXXX  XXXX, and regulatory codes like XXXX XXXX? Specifically, I am interested in understanding how you handle the consolidation of Special Purpose Vehicles ( SPVs ) in line with XXXX XXXX or XXXX XXXX XXXX guidelines, and how you ensure compliance with risk measurement and capital requirements as per XXXX XXXX XXXX the practice of treating Asset-Backed Securities ( ABS ) transactions as off-balance-sheet items might be considered fraudulent under certain conditions. mens rea In All True-Sale, Disguised Loan And Assignment Securitizations, The Conflict Of Interest Inherent In XXXX XXXX Also Serving As The Servicer, Constitutes Fraud And Conversion : 15 U.S.Code 1681g 15 USC 1681g 1681g - Request for a full file disclosure and the sources of its information.
Product: Credit reporting 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 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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, credit repair services, or other personal consumer reports

I'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an hard inquiry on my credit account that I did not have nothing to do with. That company is Target FIN/TD-PRVTE LABL ( retailer )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to file a dispute online and equifax wont allow me to login. Says my information doesnt match yet its the same info Ive had for years .... I also tried to pull my free credit report from Equifax and they will not comply either. Equifax has now shut me out from viewing my report and from filing a dispute for erronoues items on my credit report. Equifax has also failed to automatically send a written copy to my known address.
Product: Debt collection

I told them to stop contacting me multiple times a day. I then blocked the number and they started calling from a different number.
Product: Debt collection

I received a Demand letter from Meade Recovery Services dated XX/XX/XXXX for a supposed debt owed to XXXX XXXX XXXX XXXX of {$37.00}. This balance was paid in full directly with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX which they confirm. Meade Recovery verbally confirms that they have been told by XXXX XXXX XXXX XXXX not to continue with collections attempts but refuse to provide me with any written confirmation that they have closed their file. 

Given that they have sent me a written demand letter informing me that I had until XX/XX/XXXX to pay the balance before they begin collections practices for this non-existent debt I feel it is only reasonable to expect Meade to provide me with WRITTEN confirmation that they have closed their file at XXXX XXXX XXXX XXXX XXXX request and that any potential collections acts have been ceased,
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Experian alerted me that my XXXX  XXXX account was removed from my credit report. There was nothing wrong with this account. I had previously told them this account was not fraudulent, and told XXXX XXXX the same thing. I have written XXXX  XXXX a letter confirming my identity telling them this account was not disputed by me. Experian still removed it from my credit report.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX, XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.