23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite filing a previous CFPB complaint XXXX XXXX XXXX continues to 1. Call me after I revoked consent to do so. 2.  Called me after I told USCB I am represented by an attorney. 3. After I told USCB that if they did call that I did not want to be recorded, but did it anyway. 4. I also told them to not use pre-recorded messages when calling yet they call and leave voicemails with one on my cell phone. I want this harassment and abuse to stop right away and I want USCB to contact my attorney listed below ASAP before the end of the day Monday. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that an item ( that I have no knowledge of in the first place ) from XXXX XXXX had been removed from my credit report on or around XX/XX/XXXX. I was told that there was a glitch in the system. I thought maybe the glitch was in my favor being that I do not have knowledge of this account. On Sunday, XX/XX/XXXX, I received another alert that it had been added back to my reports. I did not receive written notice from either the collection agency or CRA 's that this item would be reinserted back on my credit file. New, validated proof of the debt was not provided either. This reinsertion is a clear violation of the Fair Credit Reporting Act. This reinsertion has also caused a decline in my credit score and I am very unhappy. Due to this violation of my rights, I am requesting that this item be removed  from my XXXX and XXXX reports permanently and immediately and that it not be placed on my XX/XX/XXXX report.
Product: Credit card

I got my Chase freedom unlimited credit card & had XXXX transactions stopped within the first few times trying to use it. The XXXX  time was at a gas station, while I was XXXX XXXX  away from home depending on this card for travel. The credit card company was closed over the weekend. The XXXX time was at XXXX getting groceries & vitamins for my kids. The XXXX was trying to pay for food or my hotel. I would have to look @ the receipts. I have over {$100000.00} in my main Chase account & told them this credit limit is very low! You have my open end credit & are discriminating on how much credit I can access!!! They told me they wouldnt change it. Chase has used my application to fund this account via my social security # & consumer credit transaction. My birth certificate is authenticated on the state & federal levels. I have the full faith & credit of the United States. As a American National per 8 USC 1101 a 21 I demand & require that I have complete access to my unlimited open end credit. I can not be denied access to my consumer credit per federal laws.
Product: Credit reporting or other personal consumer reports

All inquiries are fraudulent as Ive not apply for anything in the past 3-4 years so all recent inquiries from any company is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more
Product: Credit reporting or other personal consumer reports

This is my several 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account number : XXXX. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the XXXX XXXX court as the furnisher, that's forgery and misleading when the courts don't report this type of account.
Product: Money transfer, virtual currency, or money service

I was selling something on XXXX marketplace and was told I would be paid via XXXX. Given this was through my PNC bank XXXX I thought it was legitimate, however I was scammed with fraudulent XXXX via PNC emails to initiate a transfer to set up the account. I attempted to get the funds back through the banks and they were unable to assist and confirmed it was a safe way to send money.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017 and XX/XX/2017 I noticed credit inquiries that I did not authorize, made by XXXX XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I asked Experian to validate this infomation with XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that they maintain under my Social Security number and send an updated copy of my credit report after deletions. Experian continues to send me notices that this has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XX/XX/21. I sent them an FTC report, passport, cover letter and federal laws relating to the matter. It was received on XX/XX/21 and must be removed within 4 business days according to 15 USC 1681c-2 ( a ) ( 3 ). When I spoke to the representative at TransUnion, it was stated that I satisfied all of the documentation needed in order to consider this as fraud and identity theft however, I was still denied further action of removing these fraudulent accounts off of my report. As a consumer and natural person I know my rights and TransUnion is now in violation because after 4 business days of no removal pursuant to 15 USC 1681n, they have violated my consumer rights 11 times, one per each account. Therefore, I am seeking financial compensation for violating my consumer rights in the amount of {$11000.00} in addition to immediate removal of these fraudulent accounts on my consumer report. Thank you for your assistance regarding this matter.
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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I claimed that Care Credit threatened to list a bad credit report on the three credit bureaus for a " Medical '' debt that I had co-signed for my daughter. I was never informed of this delinquency because my daughter was up-to-date with this bill until she moved away. I was unaware of the status of this loan and never received any notification of this delinquency. I only found out about it when I applied but was not considered for a line of credit with XXXXXXXX XXXX because of a low credit score caused by a charge-off from Synchrony Bank XXXX 
I called Synchrony Bank that same day and made arrangements to pay the balance off in three monthly payments. I set up the payment schedule with XXXX XXXXXXXX XXXX  as I spoke to the representative from Synchrony. The payments were sent to Synchrony Bank according to my agreement. My bank statements show that these payments were made as agreed, but Synchrony Bank 's answer to my complaint said they were not made as agreed. 
My complaint is threefold : 1. Although CFPB was aware that this was a " medical '' debt, they failed to comply with President Biden 's directive of XX/XX/XXXX XXXX XXXX that medical debt delinquency should not be reported to the credit bureaus. 
2. Synchrony Bank never notified me that this account was delinquent ; I had to find out when I was turned down for a line of credit because my credit score was lowered from XXXX to XXXX. 
3. Synchrony Bank defaulted on their agreement to clear my credit and considered it paid by not posting the payments.
Product: Credit reporting or other personal consumer reports

THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESNT BELONG TO ME AND NEED TO BE REMOVED. ALSO XXXX XXXX  AS WELL THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a dispute. I previously disputed this XXXX XXXX  account with Experian numerous times. I have repeatedly been told irrelevant things in the investigation results like " We've determined this is your account. We have updated the account. We have changed the remark codes. This is a charge off. '' When I've called Experian and spoken to representatives, I'm told well we just transmitted electronic information to the creditor. I'm also told it's not up to Experian to remove an account that's up to the creditor. I'm telling you that at this point it's going to have to be up to Experian to remove it and block any future reporting by XXXX XXXX  related to my Experian credit report because it is required by law to not allow fraudulent reporting by creditors. I previously provided a copy of the cease and desist letter to Experian and I believe it's merely being treated as a dispute instead of being sent to the correct department. The creditor has also received a copy of this cease-and-desist letter. At this time, I have filed an FDIC complaint against this creditor. They have fraudulently reported this account over and over and Experian has allowed them. I'm now done. Please find attached to the cease and assist letter proof that the account was placed for collection and has been reported fraudulently as well as proof of the FDIC complaint. Please note I chose to redact the name of the individual at the collection agency that supplied me with the information out of concern for them, possibly losing their job.
Product: Debt collection

Phone Calls... Text.. Emails .... Spam 15 USC 1681 Data breach .... Please remove from my Credit report LVNV FUNDING LLC...
Product: Mortgage

I feel that my loan modification application has been decline and I feel discriminated because of my race and ethnicity and I also feel they are violating the Fair Housing Equal Opportunity Act Policy and Guidelines. 

I have summit my application and comply with all term and condition with all necessary document need to qualify more then 7 times. Lender and Services now setting a sale date on my property want lender and services to be investigate for mortgage discrimination and for violation of ( Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) Wells Fargo home loans and XXXX XXXX ( servicer )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have noticed there has been some fraud activity on my account. The following hard inquiry requests I have never authorized and there was theft on my account back in XXXX which is known by all three credit agencies but for some reason it is still appearing on my report and a few new ones just same up this year. I will post the pictures of the inaccurate ones and ask for them to be removed as they were never approved/authorized by me. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Just want my credit score to be accurate. Any help will be truly appreciated thank you very much. I had contacted XXXX early in XXXX and nothing has been done when there customer service rep had said everything will be removed since they see I didn't authorize it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested TransUnion to investigate a " Charged Off '' account from XXXX Account # XXXX I also sent my FTC report ( see attachment ) letting TransUnion know that this account was paid off and I sold my company XXXX XXXX XXXX. 

Today XXXX XXXX, TransUnion is saying that this charged off was " Verified '' by XXXX According to FCRA 6505B, Since I have identified this account as Identity Theft, TransUnion is not allowed to ignore my request to block this account without showing be proof of an investigation. 

So for the 2nd time, I am asking that this account be deleted since this is not my debt to XXXX.
Product: Debt collection

I went on XXXX XXXX and saw a new collection account for about XXXX. I called and they said there was an account opened with XXXX on XX/XX/22 which has gone to collection. Do did not open an account with XXXX of XX/XX/22. This a fraudulent charge. I have attached debt dispute file number with XXXX XXXX
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # 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: Mortgage

MY MOST RECENT COMPLAINT IS WITH " SHELLPOINT MORTGAGE SERVICING '' ( assigned my Second Mortgage from Specialized Loan Servicing ( SLS ). They have increased my monthly second mortgage payment substantially, to $ XXXX {$770.00}. each month, up from previous {$610.00}, only months ago, an monthly amount previously paid to Specialuzed Loan Servicing. 
Over the years there have been substantial increases in my monthlh second mortgage payments each time my mortgage was " assigned '' to different companies, by different companies, over many years. 
Prior to the {$610.00}, increase with SLS, I paid SLS {$430.00} month. Another substantial increase, of $ XXXX {$770.00} has occured, without explanation, from '' SHELLPOINT '', the newly assigned company. from SLS. 
I HAVE USED A LAWYER 3 years ago to get explanation from SLS, to no avail ( they have phone record ). SLS could not explain.NEITHER COULD A TOP COMPANY OFFICIAL EXPLAIN INCREASES TO MY LAWYER AT THAT TIME. 
My lawyer said to keep paying SLS who have recently assigned mortgage to SHELLPOINT.. 
I SENT LETTER DATED XX/XX/24 to Shellpoint for explanation of dramatic increase in monthly payments. 
XXXX weeks ago I called Shellpoint to request Copy of original promissary note. I have only received two previous " stall-like '', form letters saying takes time to gather information. 
SLS. NOW SHELLPOINT NEVER SENT EXPLANATION OF MONTHLY INCREASES, NOR ANY COPY OF ORIGINAL PROMISSARY NOTE. 
SOUNDS LIKE AN EQUIVALENT YO A SCAM OR COVER UP THAT WOULD PROBABLY NEED A CONGRESSIONAL HEARING TO SATISFY MY COMPLAINT. 
Furthermore, these assigned companies increases to my monthly payments has caused substantial financial burden to me and personal bills for sevices related to stress are adding up.
Product: Debt collection

I am a federally protected consumer and Santander  has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information being reported concerning an XXXX XXXX XXXX and XXXX XXXX who bought the alleged debt. 
The details of which are included in a previous complaint. Equifax continues to allow proven false information to be reported by night adjustment I have provided documents proving the information is not accurate and requesting an investigation however that investigation consisted of asking the agency if the information was accurate and of course they would say yes as they reported it. They did not ask for any documents showing the debt is accurate even after I supplied documents showing the inaccuracies. Both XXXX and XXXX removed the in accurate information. XXXX XXXX  is a preditory agency and knowingly reports false information trying to bully people into paying what they don't owe. After disputing and supplying proof Equifax should do due diligence and actually investigate if they are going to continue allowing the reported information to remain not just ask a question. The information is false and they are responsible to remove false information not ignore the proof I submitted when XXXX XXXX  has submitted nothing showing the validity nor can they I have request that information repeatedly to no avail I would be happy with the implied proof or remove from my report immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the accounts on my credit report
Product: Credit reporting or other personal consumer reports

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX XXXX$15000.00} XXXX XXXX XXXX XXXXXXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove it from my credit report