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

I canceled my paid subscription with XXXX and Transunion last month. Around the same time, I launched a complaint against XXXX and Transunion for reporting inaccurate information on credit report. 
However, I didn't close my credit monitoring accounts completely. Once, I canceled my Paid subscription with XXXX and Transunion I was no longer able to log in or access any of the free products .When I tried to access the free products such as Credit Lock or when I wanted to put a freeze on my credit reports I was given a phone number to XXXX and Transunion and instructed to call them. I called them and they verified all of my personal information with the automated systems. Then i was asked about four questions relating to accounts I may or may not have. Each time I answered the questions the automated voice system said that they were unable to help me. I was unable to speak to a representative. I know what accounts I have and don't have. I am positive that I answered all of their question correctly. It is very frustrating that I am unable to speak to a real person when I call. It is also very suspicious timing that I am unable to access my credit report right after I canceled my Paid subscription. I only canceled temporarily because of financial reasons. I still need to have access to my credit report and or free products on a daily basis. I feel that I am being punished by XXXX and Transunion because I filed a complaint and stopped paying them. Please help me.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation.

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time.

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

BTW Im in the XXXX XXXX XXXX
Product: Debt collection

On X/XX/2015 {$1600.00} was put in collections without my notice
Product: Mortgage

To whom it may concern. I am scheduled to close this Friday, XX/XX/XXXX, on a property for my primary residence. However, today, XX/XX/XXXX, I gathered an understanding that the mortgage company, Select Portfolio Servicing, who serviced my former home mortgage for XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, that I filed in XXXX XXXX bankruptcy in XX/XX/XXXX, did not foreclose on the property because they wrote it as a charge-off. Moreover, they have a lien against me for {$7000.00} for past-due payments and other fees. My complaint is two-fold. First, they still need to enter a resolution for the property. Because at this time, I am still the owner and responsible for the taxes and insurance, even though I surrender the parcel back to SPS within the bankruptcy. But more importantly, the lien violates bankruptcy regulations to cease and desist because the property was liquated. SPS continued to send me monthly statements during the bankruptcy and for four months afterward. Then in XX/XX/XXXX, SPS mailed a letter stating that the debt was charged-off and that a lien was placed against me for the past due payments totaling the stated amount above. Interestingly, I noticed when I reviewed the old statements that the account due date was XX/XX/XXXX, and the last time a payment was made on the property was XX/XX/XXXX. 
I must be transparent. I realized today that the debt was charged-off and that SPS placed the responsibility for the taxes and fees back on me. Moreso, when they sent statements, I did not report them because they were misleading. They stated, " our records show that either you are a debtor in bankruptcy or you discharged personal liability for your mortgage loan in bankruptcy. '' Additionally, the statement was sent for informational purposes only, yet they placed a lien against past due balances that SPS says I owe.

I need SPS to change the status of the mortgage loan I had with them to " loan forgiven '' and release the lien. I ask this because I did my part filing for XXXX XXXX bankruptcy and completed what was required. However, the " charge-off '' statement means poor performance. It's baffling that SPS has penalized me for a debt I was no longer responsible for. I have contacted SPS to have this resolved. But because per the representative, I am responsible for the remaining debt because the {$45000.00} was charged off, and they had no record of my bankruptcy, even though it states I filed bankruptcy in the documents they sent me. And per the representative, their records said XXXX XXXX and charged off. 

I appreciate your prompt response to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. 
In XX/XX/XXXX I have found that my personal information was used to open an account at Discover Bank in XXXX on XX/XX/XXXX. I did not open or authorize this account. I am trying to dispute this account by sending letters with explanation and proof ( scan copy of my the only one XXXX visa in my passport which I have got in XX/XX/XXXX ) to Discover Bank and also to XXXX and XXXX, but they constantly saying that this account belong to me, but it was not me who opened account in Discover bank as I was living in XXXX till the XXXX started and had never been to XXXX from XX/XX/XXXX till XX/XX/XXXX. 


I do not have all information about opened account, these are things I know : 1. account ending in : XXXX 2. Current balance for account is XXXX $ and it continue growing. 
3. Address which has been used to open the acoount : XXXX XXXX XXXX XXXX XXXX ( I have never been to California ) 4. Account opened on XX/XX/XXXX 5. Last payment was made on XX/XX/XXXX ( i know dates does not looks logical and make no sense but this is waht I knwo from docs they, Discover Bank, sent to me ) I have already reported to police about this fraud and attaching this report aside to this claim.
Product: Vehicle loan or lease

During the month of XXXX XXXX we attempted three times to pay a monthly car payment if {$570.00} to Ally Bank. The representative and her supervisor said we had to make the payment in a completely different way. We were told we had to obtain. XXXX XXXX. We tried to negotiate and come to a resolution but the Ally representative became mean and very disrespectful towards us. I filed a complaint with XXXX XXXX. We received a phone call from XXXX with Ally Corporate. She stated that she would be looking into our complaint but asked if we could pay the XXXX payment. I explained to her that it was the XXXX of XXXX and I was trying to pay XXXX 's payment. She was confused and was ordering a complete audit of the account. We heard nothing until XXXX XXXX when a tow truck arrived at our house to repossess our car. Our account number is XXXX and we lacked four payments to complete our loan. I asked for a loan modification and was denied on the spot. I was told that Ally was not a bank. In XXXX I asked our Congressman for help and was told there is no government office that could assist us. You can teach us via phone XXXX with any questions! Thank you for your time and attention paid to our situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX will not remove from my credit account where they have responded that it should be removed. I have documents/response that they sent, and sent to CFPB in response to my complaint before. XXXX and XXXX  has removed it from my credit report, but Experian has not. I have resubmitted to have removed from Experian, and it was not removed, again. They sent me a mortgage of someone elses, with a letter that clearly states what they should have done, but did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for purpose.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, XXXX making this complaint against IQ DATA INTERNATIONAL for committing identity theft. I have NEVER given IQ DATA INTERNATIONAL any type of permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt theyre claiming I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have NEVER received any type of documentation requesting validation from IQ DATA INTERNATIONAL what so ever before they committed multiple violations under the FCRA and the FDCPA. IQ DATA INTERNATIONAL is in complete violation by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) in which the FTC defines as debt parking. If IQ DATA INTERNATIONAL can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, prior to furnishing it on my consumer report Ill have reason to believe that this account has been a fraudulently furnished with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IQ DATA INTERNATIONAL can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IQ DATA INTERNATIONAL continues its collection efforts, I will file for litigation for actual damages caused and IQ DATA INTERNATIONAL will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Debt collection

XXXX XXXX I entered into an agreement with FDR ( Freedom Debt Relief ) for 48 months they would withdraw {$760.00} per month to pay off XXXX ( XXXX ) loans/revolving accounts. They began the withdraw XXXX XXXX and according to them accounts would have to be delinquent so that they could negotiate a repayment balance. The XXXX ( XXXX ) accounts were current up to XXXX XXXX. I ran out of funds from a retirement account to continue to pay them on time. FDR assured me that most companies would welcome a structured repayment after delinquency. The funds of {$760.00} per month were withdrawn on the 5th of the month. In XX/XX/XXXX XXXX stopped my income for discrepancies in prior years income. The Appeal/reconsideration was complete and XXXX began again effective XXXX XXXX. I received a revised deposit modification from FDR in XXXX that the program would require me to make the {$760.00} deposit/payment until XXXX XXXX which is 10 months longer than the original agreement. The extended period was because deposits/payments were not made as scheduled. The only two months I could not pay was XXXX and XXXX XXXXI had FDR 's bank XXXXXXXX XXXX  withdraw the equivalent of what was owed to them {$4000.00} XXXX XXXX which would complete 48 months of payments I refuse to give them over {$7600.00} through XXXX XXXX as this would be a financial hardship. I have a job in sales but my paychecks are based on my ability to generate real estate loans. I anticipate that my first paycheck this year will be in late XXXX or XXXX. I do not have resources to continue this additional schedule. I have met my obligation to FDR.I want to discontinue the program immediately due to the additional funds they claim are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The medical practitioner at XXXX XXXX XXXX in New Jersey overcharged me for basic services. I paid in full at the time of visit. I never agreed to additional charges or services after the visit. 

They then tried to bill me an additional XXXX after I already paid them. 

I only received a basic physical with no blood work or extensive services. It was a 10 minute visit. 

They were not transparent that a basic office visit would cost XXXX dollars. This is what is wrong with health care in America. 

XXXX made no effort to provide evidence or help when I reported the issue. All of the other credit bureaus removed it along time ago. 

Simons Agency , Inc is the debt collection agency assigned to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported two items on my credit report ( {$8500.00} and {$55.00} ) that do not belong to me. Its for a utility company in a city I dont live in and have never owned property in. I was contacted by the utility company in XXXX about the bill. I submitted some basic identification information and they told me theyd remove the account. In XXXX, they sent it to a debt collector who has reported both on my credit report resulting in a XXXX point loss. When I spoke to XXXX, I was told on XXXX different occasions that the debt would be removed from my account if I submitted a dispute with the credit agencies. I did so, but XXXX told the credit bureau that the debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Mortgage

We went into forbearance XX/XX/2020 due to COVID-19. We filed for a loan modification due to our inability to resume payments as normal. The mortgage company has lost, withdrawn, or requested corrections multiple times. The last application as well as corrections was submitted though our current bankruptcy attorney 's office. They are claiming the documents weren't received in time and telling us to complete the application for a fourth time.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC XXXX XXXX XX/XX/XXXX XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XX/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 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

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Attached are copies of my state ID. Warm Regards. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all late payments and charge-offs that are reported without the consumer 's permission, such as XXXX XXXX  XXXX late payments as well as other late payments. 
a charge-off is considered a certificate of indebtedness. a charge-off can not be reported by Credit reporting agency since charge-offs are considered " income '' according to the IRS. If you settle a debt with a creditor for less than the full amount, or a creditor writes off a debt you owe, you might owe money to the IRS. The IRS treats the forgiven debt as income, and you could owe federal income taxes. 

USC 16802 Obligations with respect to disclosures of personal Information. 15 USC 16802 ( b ) Opt-out A financial institution may not report Non- Public personal information to a non- affiliated third party unless there was 3 disclosures sent to me before that information can be exchanged and the consumer must agree to it. I was never notified of any disclosures before any information was exchanged. 

If Consumer reporting agency can not share information without written permission, so how did XXXX XXXX, XXXX XXXX, XXXX XXXX get my Information? Also when they go it, who gave them permission to share it with a consumer reporting agency? 15 USC 1681Q obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title 18 Title 18 USC 1028 ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of two years!!!
Product: Credit card

I received a letter from Capital One stating that I am late in paying my credit card. I did not and have never had a credit card with Capital One. I do not have this letter available anymore. I received another one dated XX/XX/2024 stating " Although your account tis past due, its not too late to bring it up to date ''. This is not correct as I do not have a card with Capital One.
Product: Credit reporting 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 COMMISION or XXXX XXXX XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.