23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from Bank of America. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!
Product: Credit reporting, credit repair services, or other personal consumer reports

Old XXXX  account placed with internal collections. I spoken with print and agency and was advised after paying the disputed amount it would be removed from report. Diversifield Consulantant has repeated reporting of this debit as collection when its not and also over the statutory limits. This company doesn't own the account
Product: Debt collection

Allied collections has brought collections towards me Ive been disputing it more months now it has something to do with a rental car that I never rented from ace rental car company Ive never rented a car through ace I dispute it and they deny it leaving it on my report also convergent has done the same thing over a comcast bill that I never had its been disputed but never goes away currently my credit file is locked due to fraudulent activity and possible identity theft I have 2 residences in my name that Ive never lived at my info was on the dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts listed below are all fraudulent accounts and inquiries being reported on my Experian credit report and reporting fraudulent accounts is against the law. And this is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Sm Bus Admin XXXX
Product: Debt collection

Midland Credit Management asking me to pay {$610.00} XXXX XXXX XXXX  Account I never have credit with. They affect my credit report rating. They want me to pay them in order for them to clear a balance due that is not even mine and didnt exist since the very beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 cannot furnish an 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 or 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

" New Issue '' Experian is NOT sending the police reports to XXXX in their investigation. There is a XXXX account that should been DELETED due to it being closed due to a fraudulent balance being reported. Yet it continues to remain on my credit report. XXXX XXXX is violating the law by not abiding the police reports. Violating the law under the Fair Credit Billing Act and Truth in Lending Act. Experian is now in violation by not removing this account.
Product: Mortgage

Purchased a home in XXXX, XXXX in XXXX for {$390000.00} the height of the inflated prices of the housing boom after taking a XXXX job. So, moved myself from XXXX to XXXX with no assistance from the XXXX. Left XXXX and moved to private industry for 5 years. Rejoined XXXX, XXXX to move to XXXX with no housing assistance. Was able to get the house rented but it did not cover the mortgage costs. The market value never returned to the amount that I paid for the house. 
About XXXX or so, the huge retaining wall needed a {$20000.00} repair which we could not afford, so we were unable to rent it any longer or sell it. So, we decided to try a short sell finally getting it sold for {$250000.00} in XXXX. However, Ditech, the largest of the XXXX company 's holding the Mortgage would not allow a short sale to go through until I was 90 days past due. By the time the final transaction was completed, they were able to state that I was 6 months passed due, seriously degrading my credit rating. Also, they posted to the credit companies that the loan was closed, but not paid in full. 
1 ) Is there anything that can be done with my XXXX employer to force them to provide some financial assistance that was never provided? 
2 ) Is there anything that can be done to fix my credit history? 
Seems like the system is rigged against individuals.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/year>
Product: Credit reporting

XXXX XXXX XXXX has been fraudulently reporting false information to all three credit bureaus. I sent my mortgage payment receipts to all three credit bureaus and they could not settle my disputes, because XXXX XXXX continued to falsify their reports. I contacted the XXXX XXXX Department in XX/XX/XXXX when I received my first collection letter, and someone named XXXX XXXX told me that the XXXX XXXX Department did not send out that letter. That letter was sent out by the Customer Service Department, and he could clearly see my XX/XX/XXXX mortgage payment " in the system. '' I have spoken to the Customer Service Department every month, and the Customer Service Supervisor, XXXX XXXX, states that she will take care of this, but she never does. I called XXXX XXXX in the Collections Department at least four times in XX/XX/XXXX and XXXX, and he stated that he would contact XXXX XXXX directly himself to see whether he could get this resolved for me. He later told me that he spoke with her and she would take care of it. I tried to file a complaint with FTC, but that phone number and website only referred me to CFPB. I will be going to the U.S. Attorney 's Office in XXXX XXXX, XXXX. tomorrow morning with all the copies of my documentation. A nice lady at Transunion Special Handling finally told me that the reason they could not resolve my dispute with my payment receipt of {$700.00} is because they do not know how much I really owe, only that I paid {$700.00} every month. That gave me the idea to start my upload of documents with my mortgage payment slip for XXXX 2015 showing that I owe $ XXXX monthly with a late date of XXXX XXXX. I paid on XXXX XXXX online which was processed on XXXX XXXX. The reason that my payment stub was not used or stamped is that I paid online. In addition to the receipts for my online payments for XXXX, XXXX, and XXXX, I am uploading my XXXX checking account statements which show that my online payments were actually a transfer each month from my XXXX checking account to my XXXX mortgage account in the amount of {$700.00}. I do not understand why people or institutions commit fraud and why they are so bold as to continue the fraud each month, but I believe that this is their " standard business practice '' or I would have filed an EEO complaint. I can only speculate that their intent is to lower my credit score so that I will not be able to get a lower interest rate with a different bank. Please send this complaint to Transunion as the original dispute case number is the one for that credit bureau. I suppose that I will have to make XXXX complaints to settle all three credit bureau 's reporting. XXXX is in violation of the Fair Credit Reporting Act and I know that I can sue them, but I would have to wait until XXXX, because I would not want to miss a court date during a summer trip to XXXX. I would prefer that they receive criminal penalties, so I will be asking the U.S. Attorney 's Office tomorrow for guidance to see whether they will show me how to file a criminal complaint against the bank, not against the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX Bank ( XXXX ) Account # XXXX XXXX ). XXXX Bank ( XXXX ) Account # XXXX Rights Violations : 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
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

I.C. SYSTEM, INC XXXX Balance {$360.00}
Product: Debt collection

Thank you for the response to my Demand Letter which had 2 parts : Part 1 - was to get affirmation from XXXX about non-foreclose action on my property. I received the answer saying that XXXX is not seeking to foreclose on my property. 

Part 2 - was to get XXXX release through " Quiet Title '' Acrtion. XXXX indicated that it was helpful that an amicable resolution of the debt can be reached if I decide to file Quiet Title Lawsuit. 

I left voice mail for the Corporate counsel XXXX XXXX by calling XXXX on XX/XX/XXXX at XXXXXXXX XXXX indicating my desire to not to spend my $ in legal lawsuit expenses. I realize that there was no need for XXXX to spend $ in legal expenses as well. So lets find a common ground to settle this dispute. 

The most inexpensive route will be that neither I nor XXXX involve lawyers. If that's the case I would present 2 scenerios : 1st scenerio : I let the debt run its own course since XXXX is not foreclosing, and I have nothing to loose. I donot need to dispute acceleration and/or ttermination. I can myself file quiet title in XX/XX/XXXX, under XXXX XXXX Court will order XXXX release. 

2nd scenerio : We setlle this debt ASAP for a reasonable sum that I can afford. In XXXX XXXX tried to settle the debt for {$65000.00} on behalf of XXXX AND I OFFERED {$30000.00}. I am unaware how much XXXX paid to acquire the debt from XXXX. This is a reasonable & rationale offer. Even though I will have financial difficulty but I will arrange {$30000.00} through my family and resolve this longstanding issue. 

SINCE THERE IS NON-FORECLOSURE ACTION GOING FORWARD AND IF YOU DONOT ACCEPT THIS OFFER, AFTER XX/XX/XXXX XXXX WILL GET NOTHING ON THIS DEBT. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at XXXX point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9.  XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account numbers : ( XXXX XXXX XXXX ) ( XXXX -XXXX  ) XXXX XXXX also using account # XXXX- representing as XXXX XXXX investments ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  ). ( XXXX also using account # XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). ( XXXX- XXXX XXXX XXXXXXXX XXXX  ) ( XXXX. -XXXXt ) all listed has all 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems continues to list fraudulent inquiries on my Consumer ChexSystems report that I have already notified ChexSystems were fraud. These inquiries did not start appearing until my wallet was stolen. Inside my wallet was my social security card, drivers license and even my email address. I did notify the police of this theft, and also created an FTC Identity Theft Affidavit which all consumer credit bureaus have as well as ChexSystems on file. Per the FCRA if you are victim of identity theft, and you present a identity theft affidavit to the consumer reporting company explaining the theft and they refuse to do clear any of the information you notified them of fraud. Then the company is knowingly allowing fraudulent information to be placed on my Consumer report. Let me list out some of the things ChexSystems has refused to block. 

1. Illegal Address reported by ChexSystems - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never lived at this address ever, and this has been listed on my FTC Affidavit. 
2. Illegal Address reported by ChexSystems - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 
3. Illegal Inquiries that ChexSystems continues to allow and actually place on my consumer report themselves. The company continues to violate the protection laws put in place to protect victims of identity theft. Per the CFPB if you are victim of Fraud and you notify the company of this illegal activity and the company refuses to block such fraudulent information you can then proceed to arbitration. I will be pursuing an attorney to then contact ChexSystems. 
4. Illegal Inquiries - XXXX, XXXX XXXX - I have reached out to XXXX XXXX, and actually had XXXX  block XXXX XXXX Inquiries on My XXXX  Credit report. Therefore XXXX XXXX has been notified that I did not allow or authorize XXXX XXXX to access my ChexSystems Report ever. This is again fraudulent. 
5. I do not have to legally have any law enforcement officer sign anything as I have already reported the crime to the law enforcement agency. FTC is a government agency which reports the theft and crime network for law enforcement officers. Additionally ChexSystem has allowed XXXX XXXX to inquiry and XXXX XXXX XXXX, They allowed XXXX XXXX XXXX to inquiry three times, They allowed XXXX XXXX Inquiry to go through even after stating they blocked this inquiry. They allowed XXXX XXXX XXXX, which they stated they removed, they allowed XXXX at least 15 times, They have allowed XXXX XXXX, XXXX XXXX XXXX. I did not authorize any of these inquiries these are fraudulent as a result of my wallet being stolen. I already reported this as identity theft, I have already placed a security freeze on my report. Please place a fraud alert and block this information immediately. I am forwarding this to XXXX XXXX as well for follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX has violated my right to privacy in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX has violated my rights in reporting this account as they do not have written permission in accordance with- 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: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXXXXXXbalance {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting and XXXX  XXXX XXXX Account # : XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/2023 I sent experian a letter in regards to a prev collection they deemed to be verified. i asked for the written contractra with my signature to be provided and i have yet to hear back from this company with any regards to my letter that was sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a living human being ; I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was sent a 1099C debt cancellation from Sensible auto on account number XXXX. I also have a UCC1 filing on the vehicle file number XXXX and this vehicle is an asset in my trust Account with XXXX XXXX, recently sent a complaint for this company to send me my title and they refused, they continue to try and report debt on my credit report i finally got them removed from all 3 credit bureaus and now I wake up to my car being illegally repossessed!. They took my car and I tried to call them and they wont allow to to retrieve my car or my belongings. I own this car this is not right that I pay it in full bit they have the right to take my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX verified a paid account and still showing a balance on my credit report, and Equifax accepted their claim as accurate. Enclosed is the receipt showing XXXX XXXX does not have complete information to verify the status of the account complete and accurately on my Equifax report.