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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The year XXXX my name was being reply incorrectly to the three credit bureau XXXX I asked that this be removed. I have no middle name.
Product: Debt collection

A lady from the debt collector phoned my father and gave him information, the phoned him a second time giving him the alleged case number on account that was closed in 2008. On that same day she phoned my mother and my ex mother in law.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) westlake financial balance XXXX, XXXX balance {$560.00}, XXXX XXXX balance {$7200.00}, XXXX balance {$1100.00}, XXXX XXXX balance {$3700.00}, credit collection service balance {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

freud use of my info i did not get a loan with this company
Product: Mortgage

XXXX XXXX XXXX XXXX This company sold our loan to XXXX XXXX XXXX and the entire process was a terrible experience for us. A principal payment was lost during the transfer and they have made little efforts to acknowledge my request for a complete payment history of our account. 

The new lender is not acknowledging the issue and have been difficult to deal with. 

Request immediate assistance to mediate the issue and force XXXX to work with XXXX XXXXXXXX XXXX to find the payment, post it to the correct date, and adjust additional interest charged for not posting the payment.
Product: Debt collection

Midland credit continues to harrassment me for a debt that is not mine. They have also reported this debt to my credit report.
Product: Debt collection

In XXXX was notified of a debt collection from Synchrony Bank in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. 
My original account was closed by Synchrony and then somehow merged with this other woman. 
1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. 

I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. 
Thank you.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

This is my new attempt to dispute the items in my credit file which resulted from an inaccurate credit reports. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an inaccurate credit reports, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$4200.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance Owed : {$4200.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} -- -- -- -- -- -- XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$4200.00} XXXX  XXXX XXXX Balance Owed : {$4400.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reports. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

SELECT PORTFOLIO SERVICING ( SPS ) HAS VIOLATED THE FDCPA MANY TIMES NOW AND CONTINUE TO DO SO. PLEASE SEE ATTACHED COMPLAINT FILED.
Product: Credit reporting or other personal consumer reports

have hard inquires for morgage loans im not aware of. i recently came home from incarceration and have no idea of this and rewcently obtaining important docs XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

debt incurred with this vehicle is not mine, as per law, there is no money, as per documentation, and my complaint to the IRS stating such. debt collector is a third party carpetbagger, intervening in my private personal, affairs, as per the constitution, " all things move in contract '', i have no contract with XXXX XXXX XXXX, and they are trying to extortion funds from me, why these XXXX are allowed to exist, in our society is incredulous. The FCR Act, states in no uncertain terms, that I am supposed to be notified, BEFORE any negative information, is placed in my credit file, that way i could dispute, this in advance, and not interfere with my constitutional, " right to contract '' neither NISSAN, nor XXXX XXXX XXXX, has done that, violating multiple Federal laws, in there pursuit of fraudulent, unjust enrichment, and trying to keep hard working American citizens, in FINANCIAL SLAVERY, U.S. v. Kozminski, 487 U.S. 931 ( 1988 ). Respondment believes they should be heavily fined, for there participation, in a RICO based, fraudulent scheme to XXXX Americans out of there assetts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm utterly frustrated with the lack of response I've received concerning my investigation. These inaccurate accounts need to be removed from my credit report immediately. It's been over 30 days and I haven't received anything. I found a law to support my cause as well, Section 611 ( a ) which states that failure to investigate these items within 30 days gives a reason to remove them immediately. The items I'm providing in the attached letters are the items I want deleted immediately or I will be forced to file for litigation.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  balance {$0.00}, XXXX XXXX balance {$390.00}.
Product: Credit reporting or other personal consumer reports

Hi I checked my credit report, and I noticed that there's unauthorized hard inquires and unauthorized accounts. My information was exposed in a data breach charge that I do not recognize and have asked for them to be removed. Also, XXXX XXXX  closed my business account for no reason and took {$3200.00} from my account for a old charged off credit card without my permission and I request for my funds back. never received
Product: Credit card or prepaid card

I closed citi account and locked my citi credit card and told the bank about being a victim of identity theft. The theft changed my contact info, including address, email, and phone number. So I did not recieve any notices when a check transfer was made in XX/XX/2022. I first called Citibank from XX/XX/2022 to dispute the credit card charges as soon as I found out. They told me they will open a case for it regarding this fraud check transfer on my credit card. I DID NOT MAKE THIS TRANSFER OF {$2200.00}. I've never used a check transfer before in my credit card history. I called Citibank 3 times in XXXX to get updates on the open dispute. They said to wait a little longer, and that turned into month after month. Then, I called in XX/XX/XXXX and got the same response, to just wait patiently. I was growing more anxious and stressed as more time passed and interests/late fees continue to add up on the credit card. They told me they could not closed my account with an open balance. My credit score were being affected from the missed payment while the investigation was going on. When I called back in XXXX, Citibank said they will open a case on the fraud check transfer because the past dispute was not found??? I never received a letter about the start of a investigation until XXXX. They finally closed my credit card account during the investigation with an open balance. After waiting another month, the investigation has closed NOT IN MY FAVOR. They did not reach out to me for any additional information during the investigation, contrary to the letter. 

Attached is the letters I received from Citibank and screenshot of my call records.
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. 
15 U.S.C 1631 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also stales a consumer reporting agency can not furnish a account without my written instructions ] I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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 can not furnish a account without my written instructions. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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 can not furnish a account without my written instructions. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling a complaint because XXXX  has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!
Product: Credit reporting or other personal consumer reports

I filed a XXXX XXXX bankruptcy in XX/XX/2022. This account with XXXX XXXX is included in that bankruptcy. They took it off at that time. Then added it back months later and is now reporting that Im late every month instead of stating its included in bankruptcy like other companies did. I have told them. I have disputed multiple times with the credit u ions and the company tells them the info is accurate. Im not sure what else to do to have them stop reporting. They tried to repossess my car after telling them I was filing bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt Vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX, EXPERIAN, XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that all fraudulent information must be blocked and removed from my credit report within four business days of notification to the credit bureaus. I have taken the necessary steps to report this fraudulent activity ( XXXX XXXX XXXX XXXX including filing a report with the Federal Trade Commission ( FTC ) and notifying the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  account at XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there
Product: Credit reporting

I CAN NOT GET IN TOUCH WITH EQUIFAX. I WANT TO EMPHASIZE THAT I HAVE ONLINE VERY EASILY LIFTED THE FREEZES I HAVE WITH XXXX AND XXXX, HOWEVER, EQUIFAX PERSISTS IN TRYING TO SHAKE MONEY OUT OF PEOPLE.I HAVE A PIN, I HAVE A XXXX PIN, AND I SHOULD NOT AND WILL NOT PAY XXXX BUCKS TO THESE GOUGING XXXX AT XXXX, ALWAYS THE ONLY ONE TO CAUSE SOOOOOOOOOOOOOO MUCH PROBLEMS. 
I CAN NOT GET MY MORTGAGE REFINANCED UNTIL THESE XXXX AT EQUIFAX LIFT THE FREEZE TEMPORARILY, AND I AM SO XXXX TIRED OF THEM BEING ALWAYS THE ODD DUCK, THE ONE THAT TRIES TO SHAKE MONEY OUT OF EVERYONE. THERE IS NO WHERE TO PUT IN ONE 'S PIN WHEN YOU GO TO THE SITE. THEY JUST WANT TO WEAR PEOPLE OUT, WEAR PEOPLE OUT SO THEY JUST GIVE IN AND PAY THE XXXX BUCKS, THESE GREEDY THIEVING XXXX HERE AT EQUIFAX. 
XXXX XXXX XXXX CAN NOT PUT MY MERGED REPORT TO START THE PROCESS UNTIL THIS PILE OF XXXX COMPANY EQUIFAX LIFTS THE FREEZE. YOU TRY TO GET IN TOUCH WITH SOMEONE OR TRY TO DO THIS ONLINE IT IS A XXXX NIGHTMARE WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a letter certified mail ( XXXX XXXX ) ( XXXX  XXXX ), and ( XXXX - Transunion ) stating they were violating my right to privacy as a federally protected consumer due to lack of my written consent pursuant to 15 USC 1681 ( b ) ( 2 ) Permissible Purposes. 

They replied how they verified the information with the creditors but I know That under 15 USC 1602 I am I n fact the original creditor under 15 USC 1602 ( g ) I will take legal action upon defamation of character and identity theft since they do nt have my written consent to furnish these items I also sent a copy of my state issued ID, SSN, and a utility bill to ensure my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CC ( MYLIFE ) XXXX PAID OFF XXXX OUT.
Product: Mortgage

In XX/XX/2019 I talked to our mortgage company, Loandepot, about how we were going to be late on our payment and that I was worried about credit reporting. During the week of XX/XX/2019, Loandepot called me and we discussed how they don't report to the Credit Reporting Bureaus that the payment was late until 40 days. With that assurance, we made sure to pay within that window. 

Fast forward to end of XXXX of XX/XX/2019, and my wife and I are being turned down credit, severely limiting our purchase power. And we're also trying to re-finance our FHA loan. Come to find out that Loandepot had marked us as late payment even after they said we wouldn't be marked - so now our credit is being affected. 

I called Loandepot to clear this up and get that removed from our reports. They said they don't do that over the phone and to write them instead. So I did that and they replied to that email that I needed to call up the Credit Bureau 's myself and dispute it. But that's taking forever. We're trying to close on our re-finance of our home, but the lender can't go forward with this mistake on our credit reports. Please help!!
Product: Bank account or service

While paying bills through Suntrust Bill Pay my XXXX bill was entered as a rush payment for an additional cost of {$9.00}. This was not what I wanted, needed or asked for. There had been a red message prior, I did not know what it was, I re-entered the bill and the date was in green, so I assumed it was fixed. After I submitted the bills for payment I saw that I was being charged for a " rush payment. '' I immediately returned to the screen to cancel the payment but there was no option on that bill. It was locked into processing. I then called the Suntrust customer support and was told it is operated by a third party, and they can not get to a screen to cancel either. I had the Suntrust Representative call the third party ( XXXX ) to explain the problem and ask for their help. They refused to help or waive the charge. I told Suntrust I was filing a complaint with Consumer Financial Protection, and she said she would file a complaint with the Bank on my behalf. Suntrust complaint # XX/XX/2017-XXXX.