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

XXXX XXXXXXXX XXXX XXXXXXXX account appeared on my credit report after the XXXX date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the XXXX data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX  XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment historyXXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrong.XXXX XXXXXXXX last active date and open date are wrong. This is not my account.XXXX  data breach XXXX XXXX XXXXXXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through XXXX. Please remove all accounts for reasons I have listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Other First Names : XXXX Date of Birth : XX/XX/XXXX XXXX SSN : XXXX - XXXX - XXXX To whom it XXXX concern I am writing to dispute the following information that appears on my Experian, XXXX XXXX and XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 


XXXX from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Please reinvestigate these matters and delete as soon as possible. 

Thank you for your assistance. 
I personally signed and sent this letter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Affidavit of Truth Notice to all, I, am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name /, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a, and autograph as the agent, in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it now present.

3. Facts, the Fair Debt Collection Practices Acts is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it and ; Fact, affiant and is aware and has proof in the attachment labeled as Exhibit A and B that Phoenix Financial Services LLC registered as XXXX  XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX  XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX  XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charge On the date of XX/XX/2021. agent, XXXX First Middle Last came before me today present as a flesh and blood living being ( non entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

When Mr. Cooper suddenly and abruptly took over from Seterus of our loans their improper handling of both the transition and later messing up receipt of monthly payments has been out-of normal. Unlike Seterus, there is no way to straighten thing up with anybody or any office. Consumer must doing things their way ( putting up with mistaken overcharges ), or otherwise ( foreclosure ). I only want them to straighten their records by fixing their mistakes ( denying have cashed my payment checks ; contrary to my bank 's record ). Aleast ive me a chance to send them copies of cashed checks.
Product: Credit reporting or other personal consumer reports

Proper validation of debt was never received. I sent out several dispute letters regarding proof of authorizing a debt to be reported on my credit report. The most recent disputed mailed on on XX/XX/XXXX via certified mail. Since that reinvestigation request, the dispute has been closed, yet again, without providing verifiable proof from the creditor. The items i asked of the bureau lists as the following ; 1. The name of the creditor 2. The creditors address and telephone number 3. The person\ 's name who verified the dispute 4. Valid documentation used to validate this dispute 5. In conjunction, the procedures your has in position to ensure each account reported is 100 % accurate which I have uncertainty. 

None of the information requested has been sent or fully verified, which is violating my consumer rights. Please see the attached documents as proof of my requests. I also sent out dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted the creditor and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. I also filed a FTC report already for the inaccurate account on XX/XX/XXXX which was disregarded as well. I am highly disappointed in their efforts, and failed attempt to remove the inaccurate account from my credit profile. This must be addressed immediately as my rights have been violated.
Product: Money transfer, virtual currency, or money service

XXXX through Wells Fargo was sending funds from my account without my approval for years. throughout years i believe thousands was sent. i didnt realize until i switched banks and Wells Fargo sent me a small check of less than {$100.00} for money they owed me. the bank i have now will ask if you are sure this is the person and or company you want to send funds too or send me a notification that fraud is being attempted on my account.
Product: Credit reporting or other personal consumer reports

I believe i am not liable for this debt with XXXX XXXX XXXX account number XXXX. They did not provide me with the original contract as requested.
Product: Debt collection

Collector called cell phone while at work after Statute of Limitations expired. 

Dynamic Recovery - XXXX - XXXX - XXXX I informed SOL expired, Called cellphone while at work, informed to not call again.
Product: Debt collection

First i called to see about doing a settlement payment agreement so we can pay off the balance. they refused to work out any deal with me that i can afford. then the agent made a threat saying they will come to my house and arrest me if i dont pay it now. i hung up after i said i will contact the consumer fianance protection. they are rude and are not willing to work with customers. I will not pay the full amount i dont have it and cant afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an electronic payment was made to Ocwen Loan services in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to Owcen loan services asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair reporting credit act XXXX, EXPERIAN, and XXXX has violated my right. 

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

15 U.S.C 1681 SECTION 604A SECTION 2 ; Also states that a consumer reporting agency can not furnish a account without my written instructions. 

I did not give XXXX, EXPERIAN and XXXX no written instructions to add this account to my credit report. XXXX XXXX XXXX ACC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX 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, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX and XXXX that an alleged bankruptcy was verified through LexisNexis. I disputed with LexisNexis and was told the information was verified via PACER. I contacted PACER who stated they DO NOT verify or provide information to credit bureaus or credit reporting agencies. I submitted to LEXISNEXIS a letter from the bankruptcy court from XXXX and emails from PACER from XXXX and XXXX stating they do not verify these public records. 
I filed complaint XXXX which was closed stating LexisNexis wanted ID. I submitted my drivers license to Lexis Nexis on XX/XX/XXXX. Their reference number is XXXX. I would like complaint reviewed.
Product: Mortgage

My mortgage servicer is in violation of our mortgage agreement and the Homeowners Protection Act of 1998. I need to know how to report this violation of federal law ( i.e. which agency is responsible for enforcement ).
Product: Credit card or prepaid card

On XXXX XXXX, I was approved for a {$200.00} Capital One Secured Credit Card with a {$99.00} Security Deposit. Capital One advertises that their secured card is eligible for upgrading to an unsecured card and also a higher credit line in 6 months after an automatic account review. 
After 6 months of having the secured card, Capital One never automatically reviewed my account. Therefore I applied myself for an account review for an upgrade to an unsecure account and a higher credit line. On XX/XX/2022, I received a response saying that a Secured Card is not eligible for unsecuring or for a higher credit line. 
Capital One 's advertising practice for their secured card is unfair and deceptive. Through Capital One 's deceptive design practices known as " dark patterns '' I was effectively tricked and manipulated into applying for their secured card. 
As a result of Capital One 's representations and omissions in advertising for their secured card, I was manipulated into making choices that I otherwise would not have made. Capital One intentionally made false statements and omitted material facts and is in violation of the FTC for their unfair and deceptive business practices.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any Documents to support your reporting. As of today, you still need to supply such documents. 


Accounts : Account name : XXXX XXXX - Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes.

All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

Written proof that you forwarded all the relevant information in my earlier disputes To the creditor. FCRA ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report.

I am keeping careful records of our communications in case I must file a complaint to relief and monetary damages under the FCRA Sections 616 and 617.

After you have completed your investigation, please send the results to me via mail.

Please note I am disputing this on my behalf and have included a copy of my ID to verify my identity. 

My information is as follow : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NH XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$14000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$330.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$730.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$770.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$270.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$190.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX XXXX IN : Account Number : XXXX : Balance : {$37.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$530.00} Account Name : XXXX. XXXX, XXXX : Account Number : XXXX : Balance : {$3200.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I called XXXX XXXX XXXX and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much. 

After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX Balance Owed : {$3600.00} ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, For XXXX XXXX XXXX XXXX, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, Transunion and XXXX credit score. XXXX missed payment from the year XXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Flagship Credit Acce add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and and can send a bill and say its mines. According to the FCRA. Flagship Credit Acc has violation my rights as a consumer and I'm requesting legal action to remove this account immediately. Thank you
Product: Credit reporting

I file a police report supporting my claim on fraudulent accounts that are reporting negatively on my credit report, that I did not apply for nor did I authorized someone to use my personal information to obtain credit. I lost my wallet with my personal info, and to my knowledge someone has been using that information to obtain credit and write bad checks.
Product: Vehicle loan or lease

I went in to this XXXX dealership ( XXXX XXXX XXXX, XXXX ) to checkout a used car I had seen online. As soon as you walk in they take all sorts of information about you. I told them not to do a hard pull on my credit report because if I decided to buy a car, I would go to my bank first to discuss a car loan with them. They told me a lot of people have the same concern and promised and assured me that they will not do a hard pull on my credit report. They said they might do a soft pull just to get an idea. Sure enough I get home, and I have an credit monitoring notification indicating that they did a hard pull on my credit reports ( through a company called CREDCO ) even though I explicitly forbade them to and they agreed. Accordingly, my credit score took a hit. 

They also repeatedly fudged their 'tentative ' financing numbers to trick me into thinking that I would be paying less with them than I actually would, so that I would agree to finance the car with them. When I called them out on it, the salesman sheepishly admitted that yea the numbers don't make sense. I got up and left. They also, with no information whatsoever, lied and told me I would get higher interest rates and pay more if I went to finance elsewhere.