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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require )., I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Uploaded XXXX XXXX and Adverse Claim re : XXXX. Alleged " mortgage '' loan by BANK OF AMERICA FSB XXXX XXXX XXXX, BANK OF AMERICA FSB filed at State of California , County of XXXX XXXX Recorder Office XXXX, Document XXXX - XXXX. 
BANK OF AMERICA FEDERAL SAVINGS BANK XXXX XXXX XXXX, XXXX XXXX XXXX, OR, UNITED STATES XXXX knowingly failed to transfer the assets to the trust fund to qualify as a XXXX or a XXXX. Therefore this means that this " loan '' herein is/was in default at closing and the loan is unsecured and BANK OF AMERICA knowingly holds contraband, knowingly failed to pay income tax on proceeds from my Estate and Breached Fiduciary Duty, violated of public policy under XXXX, the Emergency Banking Act of XXXX passed XXXX XXXX XXXX codified XXXX XXXX XXXX.
Product: Debt collection

I received 2 calls, I missed. I called this XXXX number back I am connected to XXXX XXXX. He says I've been treated wrong, I have a lawsuit on my hands he needs my information. I ask what's this in regards to, XXXX XXXX replies your XXXX XXXX account from XXXX. ( I've been hounded alot with this accusations ) So I ask how I can help, XXXX XXXX says I have his mother 's birthday, so he's gon na help me. 
He's gon na tell me about a fraud case I have in my favor. Can he get my birth date, I give it. I give my address, XXXX XXXX tells me my social security number, then states what I owe XXXX  XXXX, {$6900.00}. 
It's wrongful charges, he's gon na get them dropped. 
XXXX XXXX call XXXX XXXX, asked there civil filing fee. 
The XXXX XXXX calls XXXX XXXX XXXX and asks there serving fees. 
XXXX XXXX then transfers me to XXXX XXXX 's who attempts to get my credit card information. I ask for verification of who I'm giving my credit card information to, and what's the reference number, and he tells me I'm gon na loose my deal. I will not get this XXXX dollar debt covered for XXXX if I don't give him my information right now. 
I call first point who XXXX XXXX 's claims to represent and they have no employees with that name. 
Is this a real debt collector, is this a scammer with all my information? 
Please help Resolution. Fix my credit. Make sure my social security number is not in wrong hands. Find out if these numbers are real, or scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided with and may possibly belong to a relative. For the record, I have lived at the same address for five ( 5 ) years. 

My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 
My current address is XXXX XXXX XXXX XXXX XXXX OH, XXXX and I have resided here for 5 years. 
All other addresses are not accurate, please remove them IMMEDIATELY. 
XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. 
Please remove the above addresses they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX sent letter to credit bureau asking for Method of Verification of bankruptcy ( did not dispute, just asked for MOV ) On XX/XX/XXXX their response was by the Bankruptcy court/XXXX On XX/XX/XXXX sent letter to USBK COURT XXXX  VA-asking if they verified and on XX/XX/XXXX I received their letter back, stating they do not report to the credit bureaus. 
On XX/XX/XXXX sent a letter to XXXX the 3rd party agency asking them to send me documents used to verify alleged bankruptcy and on XX/XX/XXXX I received a letter back stating " After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of the bankruptcy and removed this record from my XXXX report. 

On XX/XX/XXXX sent letter along with court house letter and Lexis Nexis letter stating the bankruptcy was unverified and to remove from credit and on XX/XX/XXXX I received a response back stating " we investigated the info you disputed and updated : NOT SPECIFIED '' and showed how it appears on my credit file>did not remove. 

On XX/XX/XXXX sent letter to credit bureau again stating the bankruptcy is not verified, stating I had provided proof that their method of verifying was invalid and warning that I would file a formal complaint to which no response has been received.
Product: Mortgage

My mortgage was being handled by XXXX servicing out of XXXX, IL up until XXXX XXXX. It was then turned over to Green Tree Servicing , LLC. I am having a difficult time resolving the change in my escrow payment since the loan was transferred to Green Tree. I have called numerous time requesting an escrow analysis but have gotten nowhere. 
First they told me they would do it, then I was told they were using the one that XXXX did this past XXXX. How can they go off an analysis that is number XXXX, old and not current? 
Two, Green tree told me that they paid my homeowners insurance when in fact it was paid by XXXX back in XXXX. 
Three, I recently received a notice from Green Tree and it was addressed to the woman that I originally bough the house with, but, in XX/XX/XXXX, I bought her out and the deed was put into my name. I asked Green Tree about this and got an argument from them that I needed proof she wasnt on the mortgage. REALLY??? how about you look at the title search that was done when I modified the load with XXXX???? 
I have also repeatidly asked for the manager, XXXX XXXX XXXX to contact me and explain this all to me. That was a week ago and I still havent received a phone call. 
I have also asked for help with my mortgage due to being out of work from a work related accident. Im a trucker and I rolled my truck on XX/XX/XXXX and have been out of work since. Still no solution has been even offered. 
The lack of attention to such an importatant matter and the fact that they are sending out collection notices to people that arent even on the loan is troublesome. Green Trees servicing lacks any and all consumer confidence for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know this is not the fault of the person handling this case but someone needs to see this and take action ... 
As a result on an investigation I requested, on both XX/XX/17 and XX/XX/17 ( see enclosed reports ) Equifax was showing a bankruptcy as deleted and not reporting respectively. Only to add it back later. According to the reports sent to me " If an items " Deleted '' Equifax has removed the item and was supposed to take steps so that it does not reappear. '' Equifax has failed in this regard and is in violation of the FCRA ...
Product: Credit reporting or other personal consumer reports

I was insured by XXXX XXXX XXXX XXXX until I was XXXX with my mothers insurance. At XXXX I got in an accident and they doctor accepted my insurance and then told me they wouldnt after receiving treatment
Product: Credit reporting or other personal consumer reports

KOHLS, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( KOHLS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( KOHLS ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. KOHLS, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from KOHLS, for the cancelled debt of { { {$640.00} } } in order to file as ordinary income. Where is my 1099-C? KOHLS is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! KOHLS has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In KOHLS terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of KOHLS nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting 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 right away : XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) # # # # # XXXX Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are unauthorized inquiries into my Trans Union Credit Report. I never applied for credit with the following companies : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request the removal of a paid charge-off from my credit report, as well as to bring to your attention certain inaccuracies related to the reporting of this account. The account in question is as follows : Account Name : XXXX Account Number : XXXX I have identified discrepancies in the reporting of this account, specifically regarding late payments and the dates of delinquency, which do not align with my records. This inaccurate information is adversely affecting my credit score and, in turn, my ability to obtain new credit or loans, despite my efforts to maintain responsible financial behavior.

Please review and send me confirmation of the last paid date, payment history, credit limit, payment status, last reported date and any additional information to validate the information provided to the credit bureau. 
I kindly request a thorough review of this account and an update to the information being reported to the credit bureaus. If these inaccuracies can not be substantiated, I respectfully ask that you promptly remove the charge-off and any incorrect late payment entries from my credit report. Your assistance in this matter would significantly help in restoring my credit standing and alleviating the difficulties Im currently facing in obtaining new credit.
Product: Debt collection

ability recovery services had put a collection back on my credit report and it has been discharged in the bankrucpty court and I call to find out about it and ask them can they update my account and they told me that I had to contact XXXX and dispute it and they hung up on me like i wasn't still asking the agents question about what all i had to do
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX the owner and President of XXXX XXXX XXXX XXXX. The XXXX number for XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX XXXX XXXX, XXXX is a small business registered in the state of Missouri. The company was formed in XXXX of XXXX. On XX/XX/XXXX, I, XXXX XXXX, attempted to open a business checking account for XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX. I was denied the opportunity to open an account and the company received an adverse action notice. The XXXX XXXX banker stated that there was account abuse being reflected on XXXX XXXX XXXX XXXX Chexsystems consumer report. The banker stated that the information was reported by XXXX XXXX  for account ending in XXXX on XX/XX/XXXX. I was unaware of any account abuse taking place with my account and contacted XXXX XXXX  requesting an explanation for the reported information. XXXX XXXX  stated that my account was closed and charged off due to an overdraft that occurred from a fraudulent check transaction made through the mobile banking app. I then learned that the company email address linked to the XXXX XXXX  account was compromised, resulting in the takeover of the companys bank account through the online account. Due to the email address being compromised, I was no longer receiving communication from XXXX XXXX. On XX/XX/XXXX I visited XXXX XXXX  XXXX  and was able to promptly resolve the issue with my banker XXXX XXXX. Our company is not being held liable for the fraudulent activity and there was no account abuse carried out by XXXX XXXX XXXX XXXX because the information being furnished on XXXX XXXX XXXX XXXX Chexsystems consumer report is a result of identity theft/fraud. On XX/XX/XXXX I filed an FTC identity theft report on behalf of XXXX XXXX XXXX XXXX, XXXX. Immediately after I filed an FTC report, I met with officer XXXX XXXX at the XXXX Police Department at XXXX XXXX XXXX XXXX XXXX, Mo XXXX. I presented the FTC report to officer XXXX and he signed the FTC report. I have attached the FTC report signed by officer XXXX with his business card and call-for-service/report number, my identification, a utility bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage
Product: Debt collection

This complaint is against the company " Diversified Consultant ''.     Currently, they are reporting that I owe them a total of {$750.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agency Experian along with the other credit bureaus, there was improper use of credit reporting and the information was shared without my consent and I was unable to get my credit report back since sending them a letter on XX/XX/2024 ( see attached certified mail receipt ). 

The report had account errors, data management errors, incorrect payment histories, missing data ( date of first delinquency ), and incorrect balances etc. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

The additional attachments for XXXX XXXX XXXX and XXXX XXXX XXXX was to validate the debt and they were unable to do so.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I closed out my account with XXXX XXXX for {$250.00} and a couple years later I get a collection notice that I still owe them. They have since sold the debt to Jefferson Capital ( JEFFCAPSYS ) who, no matter how times I dispute it, refuses to take it off. This was so many years ago, I no longer have the receipt, however, the debt was paid, they refused to close my account otherwise. They require your account to be at {$0.00} before they will close it.
Product: Vehicle loan or lease

Dispute with Ally Financial : XXXX coverage was not applied correctly. I have attached a statement which includes some timelines ; however, I have additional information with special details of my communication with Ally Financial and other companies that were acting on my behalf. I am prepared to provide additional information if requested.