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

Frauding scams using my documents which is federal not authorize Frauding scams IDs and accounts frauding with 3000 listed commodity broker and firm frauding my two federal XXXX XXXX XXXX FBI reqistrations herds frauding scams IDs and accounts using XXXX XXXX IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX Frauding scams IDs and accounts using XXXX XXXX my birth certificate long form Frauding scams IDs and accounts using XXXX XXXX scams IDs using XXXX XXXX my immazation record Frauding scams IDs scams XXXX frauding my family death record Frauding scams IDs using XXXX XXXX scams IDs using using using XXXX XXXX my family sassenhauser siir documents of XXXX death record Frauding scams IDs and accounts using XXXX XXXX scams IDs and accounts using XXXX XXXX scams frauding scams IDs using XXXX XXXX I'd frauding south Carolina home and XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams IDs using XXXX frauding my family XXXX death record of XXXX XXXX Indiana Frauding scams IDs and accounts using using death record of XXXX XXXX of corners record of XXXX XXXX Indiana Frauding scams retailers using XXXX XXXX XXXX Md XXXX XXXX of my birth certificate long form serial numbered saint XXXX XXXX documents of XXXX XXXX Indiana I had two federal registration in XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX All these others IDs and accounts are federal fraud and state frauding scams IDs listing frauding my documents So herds frauded me and my family documents and death record 's and divorce records
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a prior complaint which resulted in another date change on my XXXX  report that is completely false concerning an old debt with Santander. It was also on my XXXX  report, but has since been deleted. XXXX  is the only one reporting this outdated debt that is far beyond the time limits for reporting. The account open date is incorrect as well as the Last Activity date which continues to get changed by Santander. 

I submitted a complaint with cfpb showing the Last Activity date XX/XX/XXXX ( which should actually be back in XXXX ) and just received an updated XXXX report that now shows a date of last payment to be XX/XX/XXXX. That is a complete falsehood. Not only did the date change, but the amount owed doubled! This is Santander 's attempt to use XXXX  to collect on an old debt where the statue of limitations has long ran out. There is no proof on Santander 's reporting to XXXX. I have attached a copy of the date changes. If this is not resolved my next action is to file suit against XXXX   through XXXX XXXX XXXX.
Product: Debt collection

For the multiple times, I am disputing the same account that was reporting inaccurate information on my credit report and it really ruining my overall score! How many times should I informed you that I dont have missed payment on this account? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is evident that there may have been a system error or failure to update the information accurately. I request a thorough investigation into the matter to determine the cause of this discrepancy. 
CAPITAL ONE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I had reviewed my credit report on the month of XXXX and this account was reporting in good standing. And when I reviewed my credit report on the month of XXXX, this account was reporting with late payment which I disputed right away and I am determined that I am checking right after my payments. And I wonder as the months goes by as I received my credit report, the account was reporting inaccurately miserable. I can sure that there was a system error or lapses in your investigation that this account keeps on reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00}
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach was a clear violation of privacy and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** ... XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

The deed to my property, XXXX XXXX XXXX XXXX, XXXX, XXXX was transferred and deeded to me in my divorce on XXXX XXXX, XXXX. My ex-husband took a HELOC in XXXX and paid off the HELOC for our divorce in XXXX but did not close the account. In XXXX, he took $ XXXX from the HELOC and stopped making payments in XXXX XXXX. The HELOC lien holder is Capital One ( COF ) and they scheduled my property for foreclosure/auction on XXXX/XXXX/XXXX. I was never notified by Capital One or their debt collector XXXX XXXX XXXX and found out about the foreclosure on XXXX from a realtor that left his business card in my front door asking me to call him. I went to XXXX & XXXX office in Va XXXX at XXXX on XXXX/XXXX/XXXX and they verified that COF was the lien holder. 

After numerous phone calls and telling COF that I would show up with the news media, my congressman and military support ( I 'm a veteran ), I was transferred to the office of the president and able to get the reinstatement fee amount on XXXX and following their instructions, I wired {$3600.00} on XXXX to COF. They received it on XXXX and on XXXX the foreclosure/auction was stopped. 

Ive been informed by COF that they will resume foreclosure action if they dont start receiving payments. 

I reported this to the XXXX, VA police department and they are working with the NC Attorney Generals office to determine which state should pursue fraud charges, as my ex-husband resides in NC. I also sent COF all of my legal documents pertaining to the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

My debit continues to decrease as I have made on time payments on my bills. Experian continues not to increase my credit score. It has been the same score for three months, but XXXX and XXXX consistently raise or lower my credit score each month and some times weekly. My creditors are reporting to Experian on a monthly basis, but my score isn't being updated by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX XXXX  XXXX Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : EXPERIAN XXXX XXXX  / Inquiry Date : XXXX/XXXX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / Reason : I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : EXPERIAN XXXX XXXX  / Inquiry Date XXXX XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Reason : I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Account Number : XXXX / XXXX - Account Number : XXXX / XXXX/XXXX  has violated my rights 15 U.S.C 1681 sections 602 A : States I have right to privacy 15 U.S.C 1681 sections 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXXt XXXX XXXX account has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Experian was merged with my sisters credit report. Her accounts and addresses and everything were taken off. There was a dispute with the XXXX County Recorder about a tax lien on properties ( 2 items ) and they belong to my sister, not me. They are insisting they are correct but they are not. Our Social Security numbers are one number off. My sister is XXXX XXXX ( XXXX ) XXXX. I want this information off my credit history because it was never mine.
Product: Debt collection

XX/XX/2019 - Debt collector shared my information with the front desk over the phone and bashed my character. 
XXXX XXXX with PBCM at XXXX XXXX follow up call for collections regarding your son.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

My student loan servicer was XXXX. All of my loans were transferred to XXXX. XXXX is still reporting open loans with balances to the credit bureaus which is incorrect. XXXX is also reporting the loans so it looks like I have double the amount of Student loans that I actually have. I have contacted XXXX and disputed the accounts with the credit bureaus but XXXX continues to say their information is accurate but does not provide any updated information since XXXX. This is affecting my debt to income ration and greatly impacting my credit. Any assistance would be greatly appreciated. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several accounts from my credit report due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are to be blocked and deleted from my records : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified both Experian and XXXX that the XXXX account that is reporting on my credit file do not belong to me. This account was open as a result of identity theft. Please assist me in getting this account removed from my credit file.
Product: Credit reporting or other personal consumer reports

recently, I did an investigation on my credit report which cause me severe XXXX.

finding out that there's incorrect, invalidated, inaccurate, unverifiable, and questionable items on my credit report that your agency didn't make sure was 100 % correct. 
in accordance with the XXXX XXXX XXXX. everything has to be 100 % accurate on my credit report and under 15 us code 1681e ( b ) and 15 us code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

as well as, 15 us code s-2 responsibility of furnishers 15 us code 1681i ( 5 ) ( b ) reinsertion of deleted item 15 us code 1681i ( 2 ) ( i ) ( ii ) procedure in case of disputed accuracy which are also in violation of my rights under the fair credit reporting act?

the credit reporting agency stated that these accounts were properly investigated and come back as verified. however, how is this true when there are several inaccuracies showing on my credit report, causing me XXXX, XXXX, XXXX XXXX issues and financial hardship. 

as a consumer, I respectfully request to know all the steps your agency took to insure that all these accounts are 100 % accurate. 15 us code 1681i ( 7 ) method of verification- description of reinvestigation process RESOLUTION as a consumer and American citizen, by law my credit report must be made 100 % accurate immediately which is in the best interest of justice. i respectfully ask that the credit reporting agency update with 100 % accuracy and/or delete all the inquires, inaccurate information and fraudulent accounts listed in my complaint. 
please and thank you. 

I have also filed an identity theft report with the federal trade commission to protect my consumer rights. 

identity report and federal trade commission reference number. 
# XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 8 states I have the right to privacy ; 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish anyone information on your account information without my written instructions. So this complaint is about my invasion of privacy, NOT the validity of the account. These accounts listed below are in current violation with my right to privacy pertaining to Fair Credit Reporting Act regulations labeled above : WESTLAKE FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact, before anything is reported to the public the credit bureau is to notify me as consumer on how and what they want to report and I am to consent or not consent. AGAIN, This IS NOT a claim questioning the validity of the account, however, it clearly exhibits how the creditor at hand is improperly utilizing my information and any other entity ( such as the CFPB ) allowing them to do so is to be an accomplice to a blatant crime. 
Any transmission to follow this complaint should DIRECTLY address the two malicious violations detailed above, for your failure to not following federal protocol which is a very serious infraction and will be treated as such. I'm sure officials at CFPB agree that if the law exists it must be followed. 
If you can show me where you have been communicating with me in writing 30 days BEFORE reporting to the public and/or have any evidence I consented to what you have been reporting on this account I will relinquish you of this complaint. Nevertheless, If you do not have proof of following the federal guidelines I expect the account detailed above to be deleted within 10 business days and all illegal monies extorted over the duration to be reimbursed to me in full in the next 30 days. 
Please be aware I am familiar with the legal definition of " racketeering '' which I will provide for you below : 18 USC Section 1961a Any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, EXTORTION, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; 18 USC Section 1961 ( 3 ) ( 4 ) ( 3 ) person includes any individual or entity capable of holding a legal or beneficial interest in property ; ( 4 ) enterprise includes any individual, PARTNERSHIP, corporation, association, or other legal entity, and any union or group of individuals associated in fact although not a legal entity ; Which will be my future claim if this illegal activity fails to come to an IMMEDIATE HALT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries on my credit from XXXX, XXXX  XXXX SANTANDER, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TWICE.. I did not authorize these inquiries XX/XX/ 3 of them XXXX  XXXX, XXXX, Santander. Was told to contact the credit agency they say contact the inquirer its just been a back an forward thing.. no I have fraud alert on my account for a year..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.