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

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

Equifax, is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to 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
Product: Money transfer, virtual currency, or money service

Monday XX/XX/year> I checked my account for devices logged in. There was a web device that did not belong to me. I attempted to delete it and got a response saying " unauthorized action ''. Tried a XXXX time with same result. I immediately tried to contact Robinhood support. According to Robinhood the best method of contacting them is via their app. The only initial contact you get is their chatbot. I described the situation and it replied with a solution that had absolutely no bearing on the issue I described. I battled with it until it gave me the option to get a call back from a representative who would be with me shortly. This occured at XXXX XXXX XXXX. On the app it said I was in line for a call back. I made several attempts each day, XXXX XXXX XXXX XXXX XXXX with no success and no call back. XXXX I XXXX  Robinhood Phone numbers and found one that said it was an information number and one that said for support. I called and the person answered " Robinhood support, this is ( name ) how can I help you? The first step is for them to verify your identity. With that information, that person accessed my account, acted as though he was helping, but in reality he sold my XXXX XXXX XXXX XXXX, took my cash, bought bitcoin and sent it to a bitcoin address. while on the phone, I checked my account. I saw my balances gone and that person hung up. He stole {$1900.00}. Sunday morning at XXXX XXXX I received a phone call from Robinhood support. They noticed some unusual activity on my account and froze it pending further investigation. They had no concern for what my original reason for contacting them was. My original complaint was why can I not secure my account. A few days later I got a text saying they would get ahold of me and update me on the status of my account. After XXXX  days I received an email stating that because I had initiated the transactions I would not be eligible for reimbursement, but they lifted the freeze on my account, but maintained a no trade restriction on my XXXX account with no date as to when that might be removed. After a few more days I tried to contact them again via email and their app with no response from either. XXXX days later I got a text saying that my request had been resolved. So they magically resolved my issue without solving anything and without asking me if I was satisfied. I'm still out {$1900.00} and they will no longer discuss that issue with me. I am slowly withdrawing my out of there so as to not " raise any suspicion '' Due to their complete and blatant disregard for any customer support, I was not able to secure my account and was consequently hacked. With thousands of verifiable complaints lodged against them, XXXX different disciplinary measures from other financial regulatory authorities registered against them, how are they still allowed to do business?
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  - showing a balance of {$370.00} - The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
- Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance or remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.
Product: Debt collection

At first I owed XXXX then I paid it down to XXXX now they are stating I owe XXXX again and they are even writing my old address. So that it has to be forwarded to me by my old landlord.its by resurgent capital services
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is both falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay XXXX a month to experian so I can see my scores with the 3 credit bureaus. My scores with Experian are in the 6 's, when I got to other sites like XXXX, XXXX XXXX XXXX XXXX my scores are in the 5 's, this is a 100 point difference! These scores are in the month of XXXX, why is there such a big difference? Is experian being honest, it does not seem to be. Please explain! Thank You!
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 addresses with Experian, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since 2007. They say it is a XXXX XXXX. I have had cards where a business used my information to open the cards. I have sent XXXX that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple disputes to remove this inaccurate information off my credit report. Every time I send a dispute to Transunion they send a a stall letter and refuse to investigate. This account with XXXX XXXX XXXX Account Number : XXXX is not an accurate account. I have had the same XXXX account for years and have never changed accounts. The previous collection company this account was sold to was removed off my credit report for being inaccurate and then this account was sold to XXXXXXXX XXXX  XXXX. This issue has caused me a great deal of stress and XXXX because its stopping me from purchasing my first home and get what I need in order to provide for my family.
Product: Checking or savings account

False in formation is being published about me. I have requested the source of this information on multiple occasions. I continue to get correspondence back in the mail after a long period of time, but it is never what I have requested. It is almost like they are holding my information hostage.
Product: Credit reporting or other personal consumer reports

I have not done business with this company. They obtained/bought this account illegally. 

XXXX - Collections account
Product: Credit reporting or other personal consumer reports

The inquiry was conducted without my authorization by the creditor.
Product: Mortgage

I have repeatedly requested validation of debt and proof of lawful servicing authority from Shellpoint Mortgage Servicing, but they failed to provide the required documentation under RESPA ( 12 U.S.C. 2605 ( e ) ) and TILA ( 15 U.S.C. 1601 ).

Original Loan Amount : {$280000.00} Loan Transferred to Shellpoint : XX/XX/XXXXXXXX  Qualified Written Requests ( QWRs ) Sent : XX/XX/XXXXXXXX  & XX/XX/XXXXXXXX  Arbitration Notices Sent : Multiple dates No legal response from Shellpoint Shellpoints Prior CFPB Response ( Date : [ Insert Date ] ) : Did not provide the chain of title, original promissory note, or proof of authority to collect.

Issues with Shellpoints Handling of the Loan : Shellpoint failed to legally respond to arbitration notices, which is a direct violation of the arbitration process.

Previously, Shellpoint failed to properly respond to the CFPB, providing a vague response without the required loan documentation. 
They admitted they do not own the loan and that XXXX ( XXXX XXXX ) is the investor, but they refused to provide proof of their servicing authority. 
They failed to produce the original promissory note or wet-ink signature, raising concerns about their standing. 
They have not disclosed fees, third-party commissions, or financial incentives tied to servicing or foreclosure actions. 
Shellpoint continues to collect payments despite failing to prove its authority to service the loan. 

Requested Action from CFPB : Ensure Shellpoint properly responds to this complaint with full documentation, not another vague response.

Compel Shellpoint to provide full documentation proving their legal authority to service the loan.

Require them to disclose the full chain of title and original loan documents. 
Ensure they cease collection and foreclosure actions until they validate the debt. 
Investigate Shellpoints failure to legally respond to arbitration demands. 
Refer this matter to the DOJ for potential violations of federal law.
Product: Debt collection

This company continues to add and then delete and then add and then delete from my credit report. I believe this is harassing and it needs to stop. I will provide information proving that this is happening. If they're going to put it on my collection and leave it until it goes off but they shouldn't continue harassing me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I discovered that there was XXXX accounts under my name that did not belong to me. I disputed them with Equifax and they came back verified so I reached to Equifax. They said I had to contact the creditors which I did. By certified mail on XX/XX/2024. 
I waited the 30 day period for them to respond back and never heard back from them on XX/XX/XXXX. I mailed another certified letter to the creditors I had a response from XXXX XXXX XXXX Mail saying that they could not provide information on the account because the information did not match their records and it was the only one that responded back So XX/XX/XXXX I sent a certified dispute letter to Equifax with copies of the letters that was sent to the creditors copy of all receipts, sent to the creditors and showing Equifax that they had to delete this from my account as it immediately because all creditors had failed to comply with federal regulation. They did not put any notes into dispute section on my credit report. They did not respond on the properly time so I mailed a certified letter came to find out. It came back verified again from Equifax. I reached Equifax on the phone and they said they couldnt do anything so I am filing this complaint today against Equifax, not complying with the federal regulations I am demanding them to delete this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IN. XXXX ) : # XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) : # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX XXXX Aut XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) : XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, Regarding the following accout ( s ) : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX I do not recognize ever doing any business with the above companies. There could be a problem with the dissemination of up to date information. Please send me the proper materials on file that has more in-depth documentation for my review. If you can not meet a simple lawful requirement during the 30 days window then the above mentioned accounts should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any information on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have sworn testimony from my end which I would gladly present in court if we need evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied form the attached affidavit ) *******
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has listed { negative listing } on my Early Warning file. To my knowledge, I have never had account with { XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } be permanently removed from my Early Warning report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i see there is a XXXX XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response OTDA REPORTING AS A CHARGE OFF
Product: Mortgage

On XX/XX/2023 around XXXX a fire broke out in the multi-unit building directly behind my property. The address of the fire was XXXX XXXX XXXX XXXX in XXXX XXXX, NY. The fire burned every apartment in the building which contained at least 20 units and took the Fire Department nearly 12 hours to put the fire out. Millions of gallons of water were sprayed into the building leaving my property with a 6 feet of water in my basement and damage to the roof causing leaks into my home. My property was deemed unfit for human occupancy due to my electric panel, boiler, furnace and oil tank being submerged in water and damaged completely. With no electricity or gas this left me and my tenants displaced.. I can not collect rent for either unit to assist my mortgage payment neither can I live in my own property and I am forced to find shelter wherever I can until my home is repaired and declared fit for occupancy by the city again. Due to this I am requested a Mortgage Hardship and would like to know the best options available to me. I plan on keeping the property, I just need hardship assistance until I can repair the damage and get my tenants back to assist with my mortgage payments. My Mortgage payment is currently {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

these account don't belong to me.please remove account : 1. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

Comenity bank took over for the XXXX on an XXXX XXXX card. They made an error in billing. I have called them several times and written multiple times. They do not get back to me. Instead, they bill me interest and late fees. I can prove that I am right, but I can't reach a person at Comenity who would have the authority to change/correct the statements that I receive. I have cancelled my credit card, but the dispute continues.
Product: Credit reporting or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with XX/XX/XXXX days of no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$0.00} XXXX-XXXX****-Balance {$0.00} XXXX XXXX XXXXXXXX {$8400.00} XXXX {$18000.00} XXXX XXXX {$230.00} XXXX-Balance {$510.00} XXXX***-Balance {$720.00} XXXX XXXX-XXXX***-Balance {$1300.00} XXXX*-Balance {$230.00}