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

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to publish a fraudulent address on my credit report that was used to open a fraudulent accounts with XXXX XXXX and XXXX XXXX. 

I never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to update my file there are several variations on my name is XXXX XXXX, please remove my employer is XXXX I have had some issues with someone using my personal information. I have unknown or fraudulent addresses on my credit report that are not mine. I need the following addresses deleted or removed : 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 XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following phone they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

In XXXX I tried to log into my phone to find out someone changed my phone from XXXX  to XXXX so then I tried to log into my American Express prepaid card to find out my password had been changed. Once the rep and I changed my password back my someone had been doing transfers from my reserve account for a period of 4 days. I had no idea i was just in time to stop a {$1400.00} transfer while talking to the rep. I told her that I did not make it. They said I called to say there were fraud going on which I never did then they said someone called the same day and said no fraud Really? How can you say I called and allow someone else to tell you different. It was {$9000.00} dollars in my account for months my income tax for three years and my hard hard earned money from my job. They transferred {$7600.00} and refuse to give it back.
Product: Debt collection

HI NATIONAL RECOVERY AGENCY ; XXXX XXXX/XXXX  XXXX  {$450.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a puppy from XXXX XXXX XXXX in XXXX, FL and the puppy sustained a XXXX 7 days after taking him home from dire conditions at this puppy mill. The puppy was still there and being " marked down '' like material merchandise like linens or housewares at a store. Horrible to treat animals of all kinds and pets of all kinds this way. I was given a 14 day warranty and took my pup to the vet within the first few days of getting my pup as required by the warranty on the pup from XXXX XXXX XXXX however they have denied my claim and are still going to charge me the {$2800.00} that I financed as well as not reimburse me for the over {$1000.00} in emergency room vet bills due to the pup XXXX XXXXXXXX having a XXXX and said that It was not considered congenital or hereditary even though they had pumped him full of unnecessary XXXX I have documents to show his medical history.
Product: Credit card or prepaid card

A Capital One and a XXXX credit card was applied for in my name fraudulently on XX/XX/2023.
Product: Debt collection

The collection was removed back in XXXX because of the tactics used to contact me by calling several times with threats. I feel my privacy has been validated because just recently they have attacked my credit again with the same fraudulent debt that is not in my name. I never responded to any kind of communication about the issue. I never signed a contract with them or XXXX XXXX. Whom I feel has shared information with Portfolio recovery.
Product: Credit reporting or other personal consumer reports

My information was breeched by the XXXX data breech a few years ago and I've been having trouble removing the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. AKA.. 
XXXX XXXX XXXX. Sold this Account to XXXX XXXX XXXX. I Mailed a Validation Letter to XXXX XXXX XXXX. I got No Response from them Then received a letter from DNF Associates stating that the Account was Sold to them from XXXX XXXX XXXX. I Contacted XXXX by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. XXXX stated the Account was Sold to XXXX XXXX. 
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and XXXX XXXX in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and XXXX XXXX for the Same Account. That is illegal according to the FCRA
Product: Debt collection

In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, Enhanced and now XXXX. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and Enhanced have apparently abandon their attempts. The most recent attempt was made by XXXX. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate correction or removal of the inaccurate reporting of the XXXX XXXX XXXX account ( Account # XXXX ) on my credit report. 

This account is inconsistently reported across the XXXX credit bureaus : TransUnion is reflecting a negative history with inaccurate XXXX late payments in recent months. 
XXXX correctly reports the account as " XXXX '' and " XXXX. '' XXXX is not reporting this account at all.
Product: Credit reporting or other personal consumer reports

Transunion is still reporting that account from XXXX XXXX that have been reported as FRAUD. I have sent them the police report and FTC report. They are still reporting this account as delinquent on my report for {$480.00}.
Product: Debt collection

This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt..so why is income being reported on my consumer report? I know that a 1099-C had to be filed, and I never received a copy of it. 

Violations noted in my letter ( see attachment that was mailed XX/XX/2022 without response from the company ) : 15 USC 1601 ( a ) 15 USC 1602 ( k ).

15 USC 1602 ( p ).

15 USC 1681b ( a ) ( 2 ).
Product: Mortgage

I applied for a loan modification through Bayview Loan Servicing. My house was almost totally destroyed during Hurricane Florence in XXXX. Bayview Loan Servicing has received multiple payment from my insurance company. The amount of the insurance payments is approximately XXXX. The total loan payoff is estimated at XXXX. The home is currently in the process of being repaired and I have been keeping an open line of communication with the servicing provider so that I will not lose my home. I received a mortgage statement dated XX/XX/XXXX with {$2600.00} in unexplained fees. They claim these fees are for property preservation, property repair, hazard insurance claims, lock charges etc.. 
The property is covered by an insurance claim and these additional charges have not been substantiated. No one at Bayview Loan Servicing is able to tell me why we incurred these charges.
Product: Mortgage

Two times during my loan mod that Fay Servicing LLC and their Trustee Company XXXX XXXX XXXX XXXX XXXX XXXX forclosured my home misleading me, and told me both of times that my required loan documentations had been completed. and waiting for the underwriter to qualified a loan mod for me. Both time without a paper trail, a email, a letter, a text message, that FayXXXXXXXX XXXX XXXX forclosed on me between XXXX, and never sent me any letter stated that i was not qualify for a loan mod. 
I was scaried and threaten to loss my home, so in XXXX i asked for reinstatement. 
one time in XX/XX/XXXX that i wired the fund per instruction from Fay of {$200000.00}. Fay acknowledged that wired fund received, that my loan reinstated, but turned around Fay forclosed my home, i contacted Fay repeatedly and demanded to stop the foreclose without any answer. I didn't even have a chance making my monthly loan payment. i was forced file bankruptcy. 
on XXXX i again asked for reinstatement, and i was told by email wired fund of {$210000.00} to fund on XX/XX/XXXX, again, Manager XXXX XXXX acknowledged fund received, loan reinstated, payment will be {$2000.00} each months. I starting made payments of XXXX, XXXX, XX/XX/XXXX total of {$6200.00}, said fund never credited to my account, never returned. By XX/XX/XXXX after Fay cashed all my funds and suddenly foreclosed on my home, again, without single word for more than 3 month since XX/XX/XXXX-XXXX dead silence, i immediately called Fay and XXXX to stop the foreclosure. They went ahead forclosed on my home, i again, filed bankruptcy, XXXX, XXXX filed dismissal my BK case. and court accused of me filed jaded BK, even i documented every single evidence. to no avail. my case dismissed. 
Fay then immediately scheudled another foreclosure on XX/XX/XXXX in 14 working days. 
I am again asked for 3rd reinstatemnet but extreme worried that doesn't matter how do we comply with the law and Fay 's instructions, that it is a scan, that Fay will uses my fund to invest making profits, and misleading, scheme me to believe that my loan will be reinstated once the wired fund received. 
Fay send me the augumented of {$250000.00} to reinstated my loan by XX/XX/XXXX. I am waiting for my deposited check cleared to cut the check forwarding to Fay before XX/XX/XXXX. 
Fay eventually refunded my wired fund on XX/XX/XXXX from XX/XX/XXXX Fay Cashed my check more than 3 month even after Fay forclosed on my home on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I received a letter today, XXXX, from XXXX, Credit Control LLC that a delinquent account was turned over to XXXX XXXX XXXX ( XXXX ) for collection from XXXX XXXX XXXX XXXX XXXX XXXX ). The amount due is {$1000.00}. I have NEVER opened an account with XXXX XXXX XXXX XXXX. I have been a customer of XXXX XXXX for XXXX  years at my current address.
Product: Credit card

Target credit card change my billing to electronic from paper bills without my permission. Received a late notice for {$70.00} bill I did not received. Called them to find out what had occurred, CSR was rude could not tell me where my bill was being sent and would not reverse late charge. The larger issue here is my credit score ; I have never made a late payment to Target or anyone else! They have caused a massive data breech recently I would expect them to be more helpful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX XXXXIncorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses listed above I have not resided in. My XXXX XXXX Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made.

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On Equifax the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. Equifax is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681.

EQUIFAX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

i purchased my home in XXXX of XXXX, at the time the lender and servicer was XXXX Mortgage. several months later i received notice that wells Fargo would be taking over as the servicer of the loan. i am very concerned as my monthly mortgage payment has gone up twice claiming that we did not pay enough in Escrow and another claiming we have not paid enough in taxes. i am concerned that they are making up charges and taking my money. i have no recourse as i have to pay for the roof over my head. i also read today that wells Fargo was not supposed to take on any more assets after 2018 and it worries me that they are now the owners of my mortgage. since i purchased the house my mortgage payment has almost doubled and no one on the banks end can give me any real explanation as too why other than to tell me that i have to pay it
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1500.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this accounts removed upon completion. 

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

It has come to my attention. My personal information has been exposed in the national data XXXX reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information. I am not familiar with.