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

There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

The accounts are -XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback back
Product: Credit reporting or other personal consumer reports

Please check and review the information concerning the Equifax data breach below in the attachments.
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. 

Account Name : # 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 that a consumer reporting agency can not furnish an 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

HI, I do not recognize these inquires on my credit reports on TransUnion I believe they could be fraud, some one got my personal info. Because my bank account was hacked a few months ago also. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/24. I disputed the charge with XXXX, and XXXX is reporting as of XX/XX/24 that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was told by XXXX XXXX XXXX  that Jefferson Capital was handling my debt. I contacted them on XX/XX/XXXX and settled the debt. On XX/XX/XXXX,  XXXX XXXX XX/XX/XXXXsaid they got notification that debt was sold. I contacted Jefferson Capital to see if they would send information about account being paid, not sold. Nothing has been updated on my credit reports. Credit bureaus wont accept my paperwork because debt is under XXXX XXXX XX/XX/XXXXand not Jefferson Capital
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XX/XX/XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress,XX/XX/XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XX/XX/XXXXwebsite, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

FCRA 623 ( b ) ( 1 ) ( D ) mandates that if the results of a dispute lead to the determination that information is inaccurate, then the furnisher must report the correction or deletion to all CRAs to which the information has also been reported. Update or deletion with only the CRA that is handling the dispute is not adequate.
Product: Vehicle loan or lease

honda keeps adding late payments to my credit even before the due date of XX/XX/XXXX and then there are 10 days before it is late i am the co signer and have told honda to notify me of any late payments i will take care of them and they still have not done this and again they lie saying yes it is all set well guess what it still isnt all set my credit score was XXXX now its XXXX because of hnda not doing what was agreed to notify me the cosigner so i will take care of the payment i want off of this loan because they have breeched the agreed notifying the cosigner of any pending late payments
Product: Mortgage

I received notice of Servicing Transfer with some major errors from XXXX mortgage and LoanCare. XXXX would not take my call and LoanCare can not help until XXXX more days. 

The letter received XX/XX/2019 but dated XX/XX/XXXX from LOANCARE stated that there was going to be a change in my loan number. Letter received XXXX XXXX, 2019 from XXXX did not say anything about a change in loan number. 

The letter from XXXX MORTGAGE did not provide the correct address to send payment. When I finally received the official welcome package from LOAN CARE it specified a different payment address. 

As a result of these errors I sent my ( ON TIME ) payment to LOANCARE with the incorrect loan number and to the incorrect address. The payment was sent online from my banking institution and has already cleared my account.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

I have NO knowledge of this account ( s ) Have been disputing this information for a while now ( 30+days )
Product: Debt collection

RELIANT CAPITAL SOLUTION The debt in my name is inaccurate. I have disputed twice and they will not remove this from my account. I do not attend this college nor did I ever. I am enrolled in a separate college and dont know why I was never contacted. Is this fraud? Is someone using my name? I wouldnt know since they keep lying to the credit report saying this information is accurate when its NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the Equifax data breach XXXX/XXXX/XXXX my personal information has been compromised including personal identifiable informant such as SS # and date of birth This places me at great financial risk going forward from this date XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Ridiculous! This is now my second Complaint that I'm filing against XXXX XXXX XXXX XXXX XXXX and Equifax about IDENTITY THEFT. I sent XXXX XXXX  a certified letter on XX/XX/XXXX informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/XXXX at XXXX. As of today XX/XX/XXXX XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. 
I provided XXXX and Equifax both with : 1 ) My police report when I found out about the ID theft.

2 ) My FTC ID Theft Report 3 ) The Certified Mail receipt from the letter I sent to XXXX XXXX and Equifax on XX/XX/XXXX. 
4 ) Proof of my Identity and address. 

This alone is proof that this account was opened Fraudulently and should be blocked. I have NEVER received goods, services or money from XXXX XXXX Bank NOR XXXX Funding. 

In response, XXXX continues to say that this Debt is valid because they got a " default judgement '' on a case that I didn't appear at because I did not have any notification about this. They sent a letter to an address I wasn't living at which is why I didn't know about this. They also say that I had a contract, initially, with XXXX XXXX bank. To this day I have not seen a contract, any signature or any legal information holding me responsible for this Fraudulent account. 

However, I did follow what the FTC Identity theft department informed me to do. 
I called XXXX XXXX Bank in XX/XX/XXXX and spoke with one of their agents and informed them about the Identity Theft and they said " they will notate it in their records but aren't the owners of this account and I would have to call XXXX Funding which I did. XXXX funding is trying to force me to be liable for an account that was acquired due to Identity Theft. I filled a report on XX/XX/XXXX because when I checked my credit report I had this account and several others and sent this out to the bureaus back in XXXX. Almost a year later XXXX and Equifax are totally disregarding the FCRA laws to Identity Theft. 

I expect this account to be blocked and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX U S DEPT OF EDXXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  # XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : I have attempted to resolve an ongoing issue with CRA Equifax for several months now. As of date, the issue has not been resolved. Instead, the issues have worsened. 

Equifax please note : I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they may provide. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be individually and on its own merits. My letters were created using software that is available to everyone. If you do not process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will consider all legal remedies available to me. 

Equifax states that XXXX XXXX has verified the public record information that is FALSELY listed in my credit report is " verified '' as " accurate ''. How could this be? XXXX XXXX has removed the " unverified '' public record from my credit report in 2022. I am kindly asking that your company does 1 of 3 things. Provide the names of the person that reported the public record, your permissible purpose for reporting the public record and the steps you took to obtain your information. 

Equifax also reports FALSELY an account that has been closed for years within my credit report. The name of the account is XXXX XXXX XXXX. I am attaching for your viewing pleasure how you as a CRA have toyed with my credit report. This has caused me great harm and I'm entitled to ACTAUL and PUNITITIVE Damages due to your FALSE reporting. Please remove the entire account or pay me in the form of a check {$1000.00} per the FCRA for however long you have reported this erroneous information. 

Please update the XXXX XXXX account show positive payment history as the account is closed, paid in full and was never late.
Product: Debt collection

My son received a collections letter from The ( RMS ) Receivable Management Services, LLC on XX/XX/XXXX stating there was an overpayment of $ XXXXon his prescription drug plan back on ( service date ) XX/XX/XXXX, and he would have to pay it. He tried calling the number listed to ask what the complaint was and who it was through. He didn't get any answers that made sense. The name of mine and my husbands insurance carrier was listed in the letter - Mailhandlers - XXXX XXXX ( which was son is no longer on ). Due to XXXX he has been on XXXX XXXX insurance for quite some time now. 
I immediately called our insurance carrier ( since that is what was listed in the letter ). They agreed that yes, he was no longer on our ins and that they had never claimed a non payment for anything like this and had never sent anything into collections. They said since it was a prescription, Maybe XXXX had submitted the complaint. We did a three way call over to XXXX ( which handles all of our prescriptions ) and they also concurred there was no dispute and they hadn't sent him to collections either. After getting all this info I called the company that sent the letter where I was informed that they basically have no information at all to give me, just that a debt is owed. I told  the woman I spoke with ( XXXX ) that I had called all the parties involved and they all agreed that there was no debt and they had never sent anything in his name to collections. She stated that she  would mark the account as " disputed '' and that " maybe she could just " get the debt thrown out '' and someone would call me back within the next week. This did not sound right to me. My son ( who has a " host of mental issues '' was all freaked out about this hurting his credit and was ready to call and just pay the {$200.00} dollars. He doesn't even have any credit as of yet, so I'd hate to see the first thing on his credit report be a bogus collection from a shady collections company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following public record and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX Discharged, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint against LVNV Funding LLC due to their repeated failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and request for proper documentation, LVNV Funding LLC has failed to provide sufficient proof that they have the right to collect this debt. 

The only documentation I received was a generic account summary and a copy of an old statement from the original creditor, XXXX XXXX Bank, which does not meet the legal requirements for debt validation. Specifically, I requested a signed contract or an agreement proving the validity of this debt and their authority to collect, but they have failed to comply. 

The account in question continues to be inaccurately reported on my credit reports, and the insufficient validation provided by LVNV Funding LLC is in violation of my rights under XXXX U.S.C. XXXX ( b ) and XXXX XXXX. XXXX. 

As this inaccurate and unverifiable account has caused significant harm to my XXXX XXXX, I am requesting that this account be deleted entirely from my credit reports. XXXX XXXX LLCs continued failure to comply with debt validation laws has left me with no other recourse but to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint for assistance to REMOVE them from my credit report immediately.
Product: Mortgage

i took out a second loan in XXXX for XXXX with XXXX XXXX the company went bankrupt and i had made payment up until tie company went under in XXXX never heard anything again until this year someone showed up at my foot saying i defaulted and wanted me to pay {$130000.00} and they were threatening to foreclose on my home and have been threatening me harassing me and stressing me out I do not agree with this and the amount they are trying to collect please help me it does not show on my credit and has not it also my first mortgage has no knowledge of this and say they are they only leon holders
Product: Credit card

-- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTIC E TO AGENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HERE ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY, INTEREST AND RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXXWELLS FARGO YOU HAVE RESPONDED THAT YOU ALLEGEDLY NEED MORE INFORMATION ON WHAT I AM TALKING ABOUT. FOR HOW IS THAT A FACT WHEN YOU HAVE BEEN RESPONDING TO ME IN REGARDS TO MY CREDIT APPLICATION WITH YOU FOR IF YOU NEED MORE INFORMATION HOW IS IT POSSIBLE FOR YOU TO RESPOND ACCORDINGLY IN THIS MATTER. ENOUGH WITH THE STALL TACTICS, I AM TIRED OF THESE CHILDISH BACK AND FORHT GAMES WITH YOU, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SO I WILL KEEP THIS UPDATE CLAIM SIMPLE. ACCEPT MY ORIGINAL CREDIT APPLICATION AS PRINCIPAL INTENDED OR RETURN TO ME MY ORIGINAL CREDIT APPLICATION/SECURITY UNDER TRUTH IN LENDING OR YOU WILL BE HELD LIABLE UNDER TRUTH IN LENDING, THE SECURITY EXCHANGE ACT OF 1934 WHERE COURTS WILL HAVE EXCLUSIVE POWERS TO ENFORCE LIABILITY FOR SECURITIES FRAUD AND WILL BE HELD LIABLE UNDER THE EQUAL CREDIT OPPORTUNITY ACT FOR DISCRIMINMATION DENYING ME A GRANTED RIGHT TO CREDIT AS WELL AS HAVE IRS FORMS 3949a AND 211 FILED AGAINST YOU. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT I HAVE IN FACT ATEMPTED TO CALL 3 TIMES AND HAVE EVEN LEFT A MESSEGE AND HAVE RECEIVED NO RESPONSE FROM YOU -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU ARE HERE BY PUT ON PROPER NOTICE OF YOUR VIOLATIONS AND ALL COMMUNICATION WILL BE KEPT AND RECORDED SUCH IN CASE MATTERS SHOULD ESCALATE.