23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a XXXX loan due to the crisis of covid. You have hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, BELOW IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
Account name : XXXX XXXXXXXX, Account # XXXX. Account name : XXXX, Account # XXXX Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX XXXXXXXX XXXX, Account # XXXX Account name XXXX XXXX Account # XXXX. Account name : XXXX, Account # XXXX Address XXXX XXXX XXXX, XXXX XXXX IL XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Debt collection

I paid Cashnet usa on XX/XX/2018 in an attempt to try and pay the loan down. Cashnet USA agreed that they would lower my payments to {$30.00} a month because I requested a readjusted payment schedule because I only get paid once a month and they have my updated bank statement to validate. They refused to accept the new payment arrangement and and they keep calling me and harrassing me for the full amount when they already know that I do not have the money and they keep tacking on interest so I will never be able to pay the loan back or it will take a long time to repay the loan. They are demanding that I pay what I dont have at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 refused me to cash a check and also stated it was a fraud check. Held my funds for 4 weeks.
Product: Credit reporting or other personal consumer reports

Ive obtained my credit report on XX/XX/2024 and its saying an account from XXXX XXXX is reporting a {$0.00} balance and its a charge off? Ive also reached out multiple of times on XX/XX/2024 about this issue.
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 confidentially under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights.

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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 reporting to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On or about XX/XX/2019 I received a notification that a collection account was on my credit report from IC Systems. On XX/XX/2019 I sent IC Systems a Cease and Desist and request for validation as per FDCPA, requesting validation of the debt through : All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and A copy of proof that you are authorized to collect this debt from the original creditor. 
This letter was received by IC System on XX/XX/2019. They replied with a letter XX/XX/XXXX that included printouts of some account. They did not include anything that bared my signature, did not include a full account summary, or proof that they are authorized to collect this debt from the original creditor. 
Furthermore, I have not had an account with the original creditor during this time nor in the state listed in their reply.
Product: Debt collection

Requested XXXX for physical letter stating itemized collection items, the lady on the phone was very accusatory and essentially stated I was lying that I was not getting the letter and I was being untruthful. I can provide supporting documentation should the need arise via my postmaster that to date, I have not received any source of truth documentation or correspondence from Portfolio Recovery Associates via mail regarding the accuracy or integrity of the debt, even though I have requested it 3 times now. 

I also had requested it on XXXX with a gentleman on the phone, who was much more respectful and polite, and said they would send it out for me to review. I have since not received anything at all. 

Since my information was part of a data breach ( Social Security, address, dob, etc ), I will not pay debts on randomly generated local phone numbers without prior mail notice verification. The debt collector attempted to convince me by repeating my social security number, despite myself just telling her Id been part of a security breach and information dump. 

I repeatedly told the individual that I was more than willing to work with them to settle the debt after proper verification, however as stated, the language and tone the lady used on the phone was very disrespectful and after the antics portrayed, I told them to not call me back until I call them first after my receipt of the letter. Again, to date, no letter has been delivered to me or received by me. I even verified my current mailing address with them, and double checked my pile of mail I keep in the bin near my door ( I dont throw it out unless its full and even then, all non junk mail is taken out of the pile. 

In the event that the company does not have an actual debt tied to me or they otherwise have not attempted contact, then this complaint can be disregarded.
Product: Mortgage

I received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following.
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and respectfully request the immediate blocking and deletion of certain accounts listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be removed to safeguard against further unauthorized use of my personal information.

Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Third complaint : Equifax has done the same thing, Nothing. I waited until they " investigated '' the wrongs from XXXX XXXX on my report. I logged on their website and it shows they completed the investigation, but I do not have any access to the results. Also my credit report is exactly the same as it was prior to my complaint. Equifax did nothing. I was supposed to get copies of their " validation '' of the debt. Nothing ... .I got nothing! Equifax is continuing to provide inaccurate information on my credit report which is making my score go down. XXXX XXXX is still on my report and they do not list the alleged " date of last activity '' or the alleged furnisher as they are legally supposed to do. They better remove this from my credit report. It is wrong and XXXX XXXX is not my acct. I believe this is done by Equifax as retaliatory against me for initially filing a complaint. 

I do not understand Equifax 's response. All they said was they will look into it. CFPB then closed this complaint. It should be left open until Equifax is held accountable for their actions. 

I never received the investigation report from Equifax. They also had stated they would send me any and all alleged " verification '' they receive for this XXXX debt. They did not. Are they breaking the law??
Product: Credit reporting, credit repair services, or other personal consumer reports

Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX Bankruptcy ''. 

Transunion and XXXX have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.
Product: Credit reporting or other personal consumer reports

I requested the following : According to FRCA Section 605B it is illegal to report information on my credit report without my permission, thank you please remove this from my credit report. 

For the following accounts : Report Number XXXX Date Generated XXXX XXXX, XXXX PORTFOLIO RECOV ASSOC Account XXXX  Report Number XXXX Date Generated XXXX XXXX, XXXX PORTFOLIO RECOV ASSOC Account XXXX  Report Number XXXX Date Generated XX/XX/XXXX PORTFOLIO RECOV ASSOC Account XXXX  No investigation as they returned decision promptly within 12 hours from initial dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto trakk submitted a false lease agreement and submitted a false statement saying " Auto trakk is not in a position to have this removed from my credit report ''. Because Auto trakk was in the position to place it on my credit report. They only harass minorities by reporting a non collectable debt on the files.
Product: Debt collection

Under my credit report I am charged twice with the same original creditor but two different companies. Both companies are calling me to collect a debt from the same original creditor with two different amount.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires you to remove any incorrect accounts from my credit report. Please check the documents as some of the listed accounts are inaccurate in regards to the reporting, inaccurate amount, and dates are being reported.
Product: Credit card or prepaid card

I am in the middle of applying for a mortgage. It was reported on my credit report a debt that hadn't been aware of from Citi Bank. I contacted the bank and they said the debt was past the statute of limitations and I can only make a voluntary payment. I begged them to make a payment over the phone but they said I can only pay with a cashiers check to a facility in XXXX KY. It was very hard for me, but I put together the money for a full payment. I overnighted a cashiers check together with a letter of my ss # and a request for it to be expedited. I had the package tracked and on my end I see that it was received XXXX AM on XX/XX/22. I called numerous times and after many hold times and even getting hung up on by a representative, they gave vague responses " that it is probably in middle of processing '' or that " it takes time for it to post and update.. '' I contacted XXXX bank who issued the check and although the money had been debited from my account at the time of purchase, XXXX bank told me that as of today XX/XX/22 the money has still not been deposited by Citi bank . I spoke to many reps and they all claimed that they have no way to contact the facility that processes the payments. 
Then the reps told me that even after the payment posts I will have to wait another 15 days for the check to clear before they give me a paid in full XXXX balance letter as per company policy, I told them that if they require a bank check there is no processing time, but was just told that is the bank 's policy.. 
I'm under contract to buy a house my deadline is approaching and I need this matter resolved ASAP that I can show the loan officer that I paid in full. The reps contradicted each other one told me that I should send in another payment others told me that it takes time to process. 
They reported the debt I expect them to be fair, I tried to make a phone payment, I tried to send in a payment..
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report that I can not explain. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but nothing changed. The inquiries remained. I need this issue addressed urgently and ask that the documents I provided be reviewed thoroughly so I can have peace of mind.
Product: Debt collection

I am XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX firm XXXX XXXX  XXXX XXXX XXXX, NJ XXXX that they want me to pay to RAB PERFORMANCE XXXX {$890.00} with the interest so on. On this XXXX letter showing date XX/XX/2011. I do not know who is this firm and I do not remember what is this for. This this Law firm send me letter that they want to collect the money. From no where this is comes, I do not know what is going on. 

XXXX XXXX XXXX XXXX XXXX File # XXXX this Law firm phone number is very strange I called them finally I talk to some one and she said Debt Collector XXXX and her EXT. is XXXX but no respond. Their number is XXXX XXXX
Product: Checking or savings account

I have not uncharacteristically received wire transfer payments from any of the companies to whom I sold intellectual property previously nor have I received any wire transfer payments since XX/XX/2022 when I switched my banking to Chase Bank NA and provided the account Information to all parties. This week when looking into the matter, I discovered that most months indicate a gap in transactions from the first of the month to the tenth of month both on the Chase Mobile Application and Monthly Statements. I also discovered a checking account ending in XXXX that I was previously unaware existed. These discoveries cause me concern that payments intended to me are being stolen via offsetting equal net-XXXX debit transactions or diverted to the account ending in XXXX that I have never accessed.
Product: Debt collection

XX/XX/2019 - company called from a different number : XXXX, continued to not identify who they were with, or did not leave a message. 

XXXX - company called and did not leave a message, or would not identify who they were with. 

XX/XX/2019 - called from XXXX, did not leave a message, or would not identify who they were with. 

XX/XX/2019 - called from XXXX, did not leave a message, or would not identify who they were with.
Product: Credit reporting, credit repair services, or other personal consumer reports

for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because XXXX and Equifax are denying me a dispute claiming I already disputed and no longer have rights to a dispute. XXXX never responded to my complain so I attempted a new one and now I am being denied. 

Also, Equifax is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.