23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I can't understand why this happened. I always review my credit report regularly, but this time, there were errors that came out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changedthe wrong accounts are still there. Im pleading for the documents I sent to be carefully reviewed so I can stop worrying about this nightmare.
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 Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$7100.00} XXXX  XXXX XXXX    XXXX {$1600.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX  XXXX   XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$3500.00}
Product: Mortgage

XX/XX/2022 We closed on a VA XXXX on XX/XX/2022, and our Mortgage switched from PHH Mortage co. to XXXX XXXX  to Federal Savings, on the XXXX. of XXXX. We understand that our next payment is in XXXX. While on vacation In NH. on XX/XX/XXXX. we stopped to fill up our XXXX XXXX which we just paid off with the refi. to our surprise, our Bank card was declined. We called our bank and were shocked to find out that PPH Mortgage not only extracted {$1800.00} ( our old payment ) from our account but we were hit With a {$35.00} overdraft charge. I got on the phone with PHH Mortgage at .about XXXX XXXX  I talked to a rep. Who just did not understand. I asked for a supervisor and was placed on hold, then disconnected. just about out of gas I called again and found myself frustrated with the automated service that wanted our account number, Not Submitting that to memory even when they held our mortgage. I finally got through and explained our situation yet again. the rep forwarded us to a specialist who advised us to snap-shot a copy of the {$1800.00} extraction and {$35.00} overdraft ( temp at this time in NH, was About XXXX ( 76 % humidity ) we obtained her EMail XXXX XXXX gave us our Acc # ( XXXX ) We sent the email and wanted our vacation money to be deposited into our account. It never happened? I had a friend Deposit some money for us so we could find some accommodations seeing that the place we rented for the week was canceled due to the owner 's contract covit, It's XX/XX/XXXX. And yesterday XXXX contacted us and said her boss could not reimburse us But could apply it to a mortgage payment with our new company, XXXX XXXX? Wich, we no longer have. Seeing we just refined with Federal Savings. Out of money, Patents and time Sincerely XXXX And XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I filed a complaint regarding information provided to my credit card Citicard by XXXX  that caused Citicard to reduce my credit limit ( XXXX-XXXX  ). As of this date I have not received any response from XXXX  providing me with the same information they provided to Citicard or whether or not XXXX   corrected my Credit Report. 
On XX/XX/2019 I sent correspondence to CitiCard CBNA at their " dispute '' office in South Dakota requesting the information received from XXXX that prompted them to reduce my credit limit. As of this date I have not received any response from Citi or their Dispute Office.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX BANK XXXX XXXX XXXX Account Name : XXXX # XXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

I bought a used vehicle from car mart in XXXX Alabama the next day the vehicle breaks down and I bring it back they would not cancel the finance instead they say they will repair it well after it being gone for months I get it back mind you paying them for a car I didnt have it breaks down again i never even had a chance to buy a tag for it. They the. Refused repair and I told them to fix it or give me another and they refused both I then told them I will hold payment until its resolved they then repossessed the vehicle and sold it and reported it to my credit. But even when I bought the car no loan was reported no payment were reported so how can they report a balance due for the full amount of the vehicle?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act 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 a right to privacy.

15 U.S.C 1681 section 602 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The accounts indicated still have inaccurate information. Their investigation/verification said on those accounts are accurate. And according to : 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report 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. Under 15 U.XXXX Code XXXX - ( XXXX ), the reporting agency did not reinvestigate and violated my rights please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
Product: Checking or savings account

On XX/XX/XXXX I received a text from my bank Chime saying that my phone number and password to my account had been changed. I called the bank as soon as I could but the money was already taken out of my account which was {$680.00} transferred to someone named XXXX XXXX The phone number it was changed to was XXXX which I have no idea who that person or number is. After calling Chime I was told to file a claim and give them info and to wait 30 days for a result. My claims were denied twice and I still am out of {$680.00}. I don't understand how I'm being denied if my account was compromised.
Product: Debt collection

Collections contacted me through mail XX/XX/2023 regarding a debt with an old psychiatrist bill for the amount of {$810.00}. I was never informed of this balance due prior to the collections letter, I have called and disputed this claim. I was then sent statements that I had never saw regarding this debt to the doctors office for the first time. I have contacted the doctors office where I was screamed at through the phone and hung up on. This amount is not something I was properly notified of owing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXXXXXX XXXX XXXX XXXX$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with XXXX. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with XXXX. It's been over 30 days and there are still accounts that haven't come off.
Product: Credit card or prepaid card

My account is on hold after i tried to transfer money to my XXXX XXXX   account to pay my rent ... they asked me to submit my Id i have done this 20 times and nothing they say i havnt submitted anything or they say its not clear enuff they are doing many ppl unjust ppl waiting on money they are holding on to accusing him very one of fraud. I want to get a lawyer as well i have to help my mother pay bills they are holding XXXX from me n my family
Product: Mortgage

My mother is XXXX XXXX, and I've been trying to work with Select Port Folio my mortgage servicer to modify our mortgage and reduce the mortgage payment.

I'm being given a hard time with the process and they are unwilling to assist me.

I do want to keep our home. We do not want a catch up plan that will increase my monthly payments, please review mortgage and exercise the option to make a PMI claim if possible.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  account is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THE
FT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Accounts to be deleted listed below : XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XXXX, XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2023 XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX
Product: Debt collection

This company is trying to collect a debt I do not owe. Several other collectors had dropped this debt because its does belong to me. This company buys bogus debts and destroyed peoples credit. I have already advised them, but they still havent removed it from my report.
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 15 USC 1681. Consumer Adjustment : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 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: Debt collection

In XXXX I began to notice multiple accounts being opened up on my Credit report even though I was not applying for any credit and owned nothing. I assumed this was due to Identity Theft and began reporting the accounts one by one to the credit bureaus. Wrong information included names, past addresses, phone numbers, and of course a multitude of credit cards. Fast forward to XXXX - I had removed most of these false accounts and learned how to properly lock my accounts setting up security 's for all bureaus. Two accounts still managed to stay on my report including a XXXX credit card ( Owing {$800.00} ), and a Capital One NA World Elite card ( {$6000.00} ). Both have now been sent to Collections. I've spoken to Capital One since this account opened in XXXX and reported this issue to them. The representative confirmed they had no open accounts matching my social security number - So why was it on there? Information I was able to provide to the representative pulled up no active or closed accounts. At this time I would not have been approved anyways as my credit was in the XXXX 's. I did not even qualify for an entertainment center. Recently I've found it this account has now been sold to XXXX XXXX XXXX - A debt collector. Not only did Capital One not remove this account after confirming I did not own it, but they sold the debt so I now have to deal with communication through a debt collector who was unprofessional and interruptive claiming I was lying. Both Capital One and this XXXX have been spoken to and I am again waiting to hear what they determine. After reporting this to Social Security, All credit bureaus, Capital One, XXXX, and both debt collectors, I genuinely feel like none are serious about assisting me in these matters. I was again directed to a third party, this website, by the social security office even though I explained my information is being mixed up with someone else. At this point I am just going through all the steps given and continuing to be honest and report these 2 accounts that are not mine. That is all I can do. Hopefully by the time I am in my XXXX 's this will have some resolve since the work I've done over the last XXXX has not meant anything. Currently XXXX still unable to purchase anything on my own and being given the run around by all places claiming to help.
Product: Debt collection

Hi, This is in response to your reply regarding claim XXXX  XXXX ( please find your response attached ). 

I would like to clarify that, in addition to the Identity Theft Report, I also provided a Police Report and proofs that I was not in the U.S. during the years XXXX. 

While you confirmed that the debt collection process had been stopped, I noticed that an inquiry was made on my XXXX account on XXXX. This occurred after your assurance that the debt collection process had ceased. 

Could you please explain the purpose of this inquiry and clarify what information you were seeking? 

P.S. 
I also want to emphasize that XXXX has never responded to my previous complaints. Hopefully, this time they will address the issue.
Product: Credit reporting or other personal consumer reports

Additionally, I believe you have violated the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ) regarding billing errors.
Product: Debt collection

Under the authority of 15 U.S. Code 1692l, 12 CFR 1016, 12 CFR 1022.3 ( b ) ( h ), 12 CFR 1006.18, 12 CFR 1006.34 ( 3 ) ( ii ) I hereby request that the CFPB investigate this complaint. The Federal Trade Commission made it clear in a decision against a national debt collection agency in XXXX that a collection must show proof, ( i.e.. a written transfer of information and the right to collect on a debt ), in which XXXX  XXXX XXXX XXXX has not yet provided to me upon several requests and subsequent debt collection attempts. 
On or about XX/XX/XXXX Amex sold the alleged debt to XXXX XXXX XXXX On or about XX/XX/XXXX Amex sold the alleged debt to XXXX  XXXX XXXX XXXX XXXX 
American Express has sold my private information to several debt collection companies ( Violation of 12 CFR 1006.18 ) after they have reported the account as charged-off ( Violation of 12 CFR Part 1022.42 ( b ) ) ( not assigned ) on XX/XX/XXXX and XX/XX/XXXX for two separate accounts to the credit reporting agencies ( Violation of the Privacy Act of 1974, 12 CFR Part 1016.7, 12 CFR Part 1016.10 and Alabama Code SECTION 8-19-5 ( 27 ) ) .On or about XX/XX/XXXX I sent Amex a letter opting out of selling my private information, just in case they are using implied consent as a means to continue to violate my RIGHT to financial privacy. ( Violation of 12 CFR 1006.15 ), ( Financial Privacy Act of 1978 ) ( Griswold v Connecticut 1965 ) There are several federal and state violations committed against me by all parties involved. Code of ALA SECTION 8-19-5, SECTION 8-19-11, 15 U.S. Code 1692e, 15 U.S. Code 1692k