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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Helvey & Associates, INC. or the original creditor. I have also requested that this subterfuge be deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted completely from my file that was the agreement not to come out on my report. Now it shows again on 3 credit report. I was was a breach on XXXX that is how I find out that is on my credit report again Ally sold this acc to another company that want to charge me again XXXX went this acc is close by ally .Now ally they sold this acc to another company and I never did a contract with them or know who are they? and they keep calling me at all time. That car loan was my ex that add me on that loan on the past. See the amount XXXX and more on my report. So you see they close the acc? Now is report again same loan with XXXX some else please go over this.
Product: Credit reporting or other personal consumer reports

This company seems to be a fraud scam. They offered me loan amount details and paperwork and are very pushy. The address came up as a parking garage and the website and phone number don't pull up on a XXXX search you have to manually type the url in to load. XXXX  had no record of the company and now they have all my personal, financial and credit information. Please help
Product: Credit reporting or other personal consumer reports

I am writing to address several delinquent accounts reported under my profile, which I have identified as inaccurate and unverified. Recently, I reviewed my credit report and was alarmed to discover that incorrect information is being disseminated, causing significant stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge.

For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol
Product: Mortgage

Bank if America had been calling me daily to get the XXXX owe to them. Even though I continually tell them I was paying an additional XXXX monthly on my loan. They are not listening to me even when I told them the I filed a complaint and BOA was looking into their error. Please stop the harassing process.
Product: Credit reporting or other personal consumer reports

Hi My name XXXX XXXX Im having a problem i need help with .This statement is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports 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 instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX Equifax
Product: Debt collection

XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number To whom it may concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 

Alltran/United XXXX XXXX has been calling my XXXX XXXX XXXX XXXX who has terminal XXXX at the number XXXX XXXX on a daily basis. Under the eyes of FTC this is harassment and defamation of character. I have no accounts with you and have received no documentation that I owe any monies to your company. You constantly harass and XXXX XXXX XXXX man that can barely speak due to the fact that he is in the end stage of his life with XXXX XXXX! 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey and New York Attorney Generals office. Civil and criminal claims will be pursued.
Product: Debt collection

This debt do not belong to me. I sent 2 dispute letters that seemed to be ignored and I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they m ay be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted i n a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against   XXXX  , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a credit validation letter was sent to XXXX XXXX XXXX XXXX asking them to provide me with a contract that show my wet signature connecting me to the an account that is XXXX, XXXX  and XXXX  credit reports, in the amount of {$3900.00}. On XXXX XXXX I received a letter in the mail stating that the account is " verified. '' My request was not granted, and sending a stall tactic saying that the debt is verified without showing how it was verified is a violation, according to the 15 USC 1692 -1692p. 


Also, on XXXX XXXX I sent a credit validation letter to ACIMA CREDIT FKA XXXX another account that is fraudulently listed on my credit report. I was unsuccessful with getting a response from this company. So, I called this company on XXXX XXXX and was told that they do not have a contract with my wet signature, however the debt is verified. I never received anything in the mail regarding my request and this account is only being listed on my XXXX  credit report, which is indeed a violation, since each bureau should mirror one another. 


Additionally, An account listed with XXXX XXXX XXXX XXXX who's a debt collector for XXXX XXXX XXXX XXXX  is being reported to XXXX, XXXX  and XXXX. This account appears to be a medical bill. I reached out via phone to this company on XXXX XXXX and explained that this is a HIPPA violation, and this account needs to be deleted immediately and no information should be shared to any third parties in the HIPPA law. The representative was noncompliant and hung up the phone. 


Finally, There is an account listed on my XXXX  credit report with no original creditor or collection agency being reported, by having this misinformation I was unable to contact the company directly. I contacted XXXX  and the representative stated that she was unable to remove the account, and I had to dispute it.
Product: Student loan

My student loan servicer was XXXX XXXX XXXX. I switched to this loan servicer in XXXX because I wanted to participate in PSLF. In XX/XX/XXXX I became eligible for loan forgiveness because I made XXXX eligible payments. Shortly after receiving notification from XXXX XXXX that I received my trophies ( XXXX ) payments I received correspondence from XXXX that my loan would be transferred to Mohela because their contract wasnt renewed with the US Department of Education. I immediately reached out to inquire if I could remain with XXXX instead of being transferred. I was told that all of loan information including the eligibility for loan forgiveness would transfer to Mohela. My loan transferred to Mohela on XX/XX/XXXX and I wasnt able to view my account until XX/XX/XXXX. Im able to view my account and can see the XXXX payments on the dashboard for TEPSLF and XXXX for PSLF. I have met the requirements for loan forgiveness but Im having to wait unnecessarily. I have reached out to Mohela and not received a response on why I still in holding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX  XXXX, XXXX, OH 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, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I was having trouble with my new TV and connecting to XXXX through the TV. Like many Americans, I reached for my phone and did a search on XXXX for XXXX customer service. Unbeknownst to me, the XXXX algorithm did not provide me with the actual XXXX customer service, but a number to scammers. 

Again, not knowing they were scammers, I called, and they informed me that there had been a security breach on my account, and that I needed to download an app called XXXX, and before I knew it they had me transfer XXXX cash advances in the amounts of {$2300.00} each ( not including cash advance fees ). Cash advances do NOT appear as pending on an account immediately, and then they had me XXXX the money to someone else. 

I immediately contacted WELLS FARGO and filed a complaint to which they investigated and their response was " We processed these transactions as authorized '' nothing we can do, sorry XXXX. 

I then complained to the XXXX Offices, and once again, I was met with the response " Our position has not changed, we processed the transactions as you authorized. '' Had I known I was being scammed, I would have NEVER authorized this, and this was FRAUD by deception, and I find it ominous that Wells Fargo BENEFITS from not only the cash advance fees but has a stake in XXXX as well. Needless to say, I closed my checking and savings with Wells Fargo, and told them I will never do business with them again, and that XXXX XXXX and XXXX XXXX would be rolling in their graves if they knew about this... but it fell on deaf ears. 

Help! 

XXXX XXXX XXXX
Product: Mortgage

In the process of trying to refinance my mortgage in XX/XX/XXXX, I was reviewing the details of my current mortgage with DiTech which is a HAMP. On the 3rd page of my trial period paperwork ( I will attach ) it states that I will receive {$1000.00} each year for 5 years for a total of {$5000.00} that will be applied to my principal balance each year after the anniversary date of the first trial period payment due date ( 1st trial payment was XX/XX/XXXX ). That 5 years would be XX/XX/XXXX-XX/XX/XXXX.This was never applied to my loan. I have contacted DiTech multiple times and have received many different answers from my HAMP originated with XX/XX/XXXX XXXX XXXX so it could be different to they needed a form back that was returned too late. None of which is stated in my paperwork of a form needed or my HAMP changing if the servicer changed. The 1st call into DiTech was on XX/XX/XXXX and the rep was very helpful in answering my questions and he sent an email to the appropriate department he said. A follow up call on XX/XX/XXXX with different answers saying I was no longer eligible for the incentive and was told to email them to request an exception. I emailed them the same request on XX/XX/XXXX and received an automatic reply. I called DiTech on XX/XX/XXXX and was told customer service had an extremely high call volume and I got to talk to someone but it ws someone who was helping out customer service and could not really answer my question. She did not see the email in my file that I had sent on the XXXX even though I had received a reply that DiTech had received it. She requested that I print my email out and fax it to them. I called back again on XX/XX/XXXX and talked to another rep who thought they saw a {$1000.00} payment but then transferred me to another rep who seemed very helpful and filed a request to research my incentive and lack of payment for it, but have still not received resolution.
Product: Debt collection

XXXX XXXX XXXX kept calling and Harressing me consently regarding and XXXX XXXX after me and my XXXX XXXX contect person XXXX XXXX one of accounts Manager at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has sent Both XXXX XXXX Store Manager on XX/XX/2019 and XXXX XXXX from XXXX XXXX XXXX Collection Department the Power Of Attorneys Authorization form to communication with as my Power Of Attorneys from XXXX XXXX XXXX regarding my loan account and amount to set up payment arrangement to get them to set up and settlement offer to settle loan account. And provided them the cease and desist notice on XX/XX/2019 to cease and desist and terminate any all collection Harressment cal and to direct all communication with XXXX XXXX XXXX my Power Of Attorney to settle my loan account they has on filed and they consently kept calling and Harressing me regarding loan dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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

My mother added me and my spouse to a credit card as authorized users about XXXX years ago to boost our scores, it was appreciated and helpful until my dad died. She has in these past XXXX years gotten XXXX, XXXX  XXXX, ect and ceased paying her cards among a variety of other things. The card has been closed for more than XXXX years at this point in time. I've disputed this with Equifax multiple times with no results other than them saying that it's my debt. XXXX, removed it after XXXX disputes. XXXX removed it without me ever having to ask them. Equifax refuses to remove this from my credit report. I've disputed this XXXX or XXXX times now. XXXX bank is not able to even be contacted because you have to have a account with them to get past the robot answering machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I received my paid in full letter after paying off accounts. Victoria Secrets and XXXX XXXX  XXXX. However, upon notifying creditor XXXX, they did not update the amount paid for Victoria Secrets nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA, specifically 15 us Code 1692c., this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing communication notice in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. 

If you do not cease communication a lawsuit will be commenced against you.