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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I have been a victim of identity theft due to a data breach, and the following accounts and inquiries were fraudulently opened without my authorization.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of these items from my credit report. 
XXXX Accounts XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  - XXXX # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX
Product: Checking or savings account

XXXX has been debiting my Credit Union Checking account each month since XXXX XXXX 2017. I never authorized these debits from my account ( see uploaded documentation. I made several calls to XXXX attempting to determine who used my account information and made it clear that I did not authorize these debits, stating this was fraud. XXXX could not tell me anything about the transactions and that I would have to dispute them with my Credit Union. XXXX is culpable I 'm this fraud as they obviously never verified that the person using my account information was me, XXXX XXXX. 
My Routing # is XXXX My account # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to temporarily lift my Equifax credit freeze. When attempting to complete the process online, the form prompts me to use my already established myEquifax account. Upon logging in, I get an error " We are temporarily unable to complete this request. Please try again later. '' I have had this same error in the past and filed complaints about it. It is almost like Equifax has locked me out of my account and will not fix it. I demand access to my myEquifax account as I should have a right to temporarily lift my credit freeze on demand like with XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed copy of my current credit report and show incomplete or inaccurate information listed. The creditor XXXX XXXX XXXX account number XXXX is show this alleged account paid as agreed. This creditor advised that due to payment received succesfully that creditor agree to delete this account. This was a payment received as pay for delete. This is not a dispute by a request for removal due to pay for delete. Please delete this account as creditor has agree to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Vehicle loan or lease

I believe my auto XXXX  has been mismanaged and payments applied incorrectly resulting in higher interest payments and delay in paying off the loan.
Product: Money transfer, virtual currency, or money service

THIS IS A NON NEGOTIABLE REQUEST FOR HONOR AND PUBLIC NOTICE OF DISHONOR AND INVOLUNTARY SERVITUDE, AND CONSPIRACY TO COMMIT FRAUD UPON THE PEOPLE. I am familiar in the facts of the certificate of title. I am the named party in the said birth certificate. I am named party as me of one of the owners of it. Please take notice update all records that the certificate of title City of New York certificate number XXXX State of New York Secretary of State no XXXX United States of America Department of State no XXXX has been accepted and transferred into Trust. I have beneficial interest in it and I demand a full record of ALL accounting, ALL book keeping entries, all records with NAVY FEDERAL CREDIT UNION ASSOCIATED WITH XXXX. NAVY FEDERAL HAS STOLEN MY PLACE AS BENEFICIARY AND STOLEN MY TRUST AND USED IT FOR THEIR BENEFIT, WHEN IN FACT THEY ARE THE TRUSTEE. INVESTIGATE IMMEDIATELY. I have also declared full acceptance and bonded them to their oath. I come in peace love and light as one of the creators XXXX daughters and heir on the land requesting honor. I have acted in good faith and look forward to a honorable and equitable response.. All rights reserved without prejudice without recourse.. Either you are a part of the problem or PART of the solution. You decided. Be governed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that two inquiries were placed on my credit report by : XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 I do not recognize these accounts. I did not apply for any new accounts.
Product: Debt collection

I recently reviewed a copy of my consumer report and noticed Portfolio Recovery Associates ( PRA ) is furnishing negative and derogatory information. 

I have communicated to PRA multiple times to cease and desist use of my identifying information and any other personal information PRA may have on file or record about me PRA has failed to comply. 

I did not give PRA written and direct authorization to possess, use, transfer or sale my identifying information and upon becoming aware PRA obtained my personal information I advised PRA to immediately cease and desist use of my identifying and any other personal information.

I also advised PRA to cease and desist infringing on my right to privacy and that any further attempts to invade my privacy will not be tolerated and PRA has failed to comply. 

I have no contractual obligation or agreement to pay any money or its equivalent to PRA. PRA is attempting to unlawfully collect a debt from me and violating my rights as a consumer. 

PRA 's conduct is causing direct harm to my character, credit worthiness and general reputation. 

Any further attempts by PRA to violate my rights as a consumer will not be tolerated and by sending this notice, I do not waive any rights to take action against PRA for past or future violations of the law. 

Any computer generated or unsigned responses will not be tolerated. 

A third party, legal counsel and/or attorney in fact was not used in the making of this complaint. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true. Executed 6-2-2022 B : C-E All inalienable rights reserved. Without Recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello- I received a call this afternoon from Revco Solutions in XXXX XXXX. The woman on the line would not tell me who she was with, She demanded I give her my SSN, Birthday & Address. I said am not comfortable giving out this info, can she please tell me who she is and what this is about. She would not and further insisted the info above. She explained there was a debt owed, would not tell me for who the debt was being collected on behalf of, nor whom in my household the debt was for. I finally received the party the debt was on behalf of but only after I explained to her she needs to give me information as Im sure she is aware that there are scams every minute of the day, where people request this information. I explained that they have never sent me a bill, I would be happy to pay it but I need to see the bill because again, I am not comfortable especially after the insistent info of my personal data. She said thats fine, I will simply have our lawyer, come to you and they will get it handled whether you want it or not. I again, try to explain the sensitivity of information and giving credit card numbers. Insist Ive never seen a bill from them, and that our address is often mistaken for the street next to ours, could you kindly send one and was met with nope, weve done this. I said listen, I cant afford to fall into a scam. She again says she doesnt care, take it up with their lawyers when they show up to my home. Admittedly, I said XXXX, Ill call the hospital and hung up. I receive another phone call but from a different number to my extreme surprise, it was this woman who now, honestly sounds like shes in a bathroom. I again plead with her for the bill and explain my daughter just had XXXX  XXXX XXXX for an XXXX  XXXX, can you please just work with me, and provide the info, I can not afford to fall into a scam, Im telling you the truth. The woman proceeds to explain to me she doesnt give a XXXX if my daughter lives or dies and will take pleasure knowing their lawyers will be at my door. I am so disturbed right now and have no clue how any of this could be legal, especially without ever receiving a bill myself or speaking to me previously. Regardless of those things, this is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

When I was purchasing car insurance on XX/XX/23, I received a notice that the data that they were pulling from Lexis Nexis did not match the information that I had provided. My sex/gender was incorrect according to their records. I am a female ; their records show I am a male ( incorrectly ). I contacted the company on XX/XX/23 to correct this error. They confirmed that their records state that I am a male ( I am not ), so they opened a dispute and investigation. They will mail me the results of the investigation in 30 days. The results will also show where my data is coming from, as that information was not available to the customer service representative. I was told that the source of my data could be another private company or a government agency like USPS. I requested proof that this error will be corrected with the companies that Lexis Nexis has already sold my data to ; I was told that I needed to wait for the letter in the mail that would have more information and the results of the investigation.
Product: Mortgage

In XXXX I received a letter from Wells Fargo stating that I had requested loan assistance. I had not so I contacted XXXX XXXX who sent the letter and he never responded. Then I received notice stating my home was going up for sheriff sale on XXXX XXXX, XXXX. I hired lawyer and she found a XXXX XXXX was handling the sale, she reached out to him and he would not respond. I got a stay on the sheriff sale until XXXX, however Wells Fargo has not provided any of the information I requested even after several visits to their branch. Now I am being told that the loan history and documents may take another week to receive and this has been going on since XXXX, XXXX. I have numerous documents regarding this issue and have spoken with the Wells Fargo Branch Manager in XXXX XXXX Delaware. Now Wells Fargo is telling me that I could file a request with their Office of the President in regards to this matter. Also this whole foreclosure situation was started in XXXX and no one has sent me a collection letter or a statement in regards to this loan in over 8 years. All I want is to stop the sheriff sale of my home and find out what is going on in regards to this loan which they say I owe {$140000.00} on and keep my house. This situation is so complex even my lawyer and the branch manager are confused by what has taken place. I have many documents to support my issue but I am not able to upload them to my computer because I do not have a scanner and several of them are XXXX-XXXX pages long. I know these documents would help however I can provide them by mail if that is possible.
Product: Credit card

My wife and I have been Macy 's customers for years without any real issues. Recently, however, we received new credit cards. When I went in to view my current balance, I discovered that there were other account numbers ( XXXX for internal charges and XXXX for external charges ). However, I was unable to login with either number and so unable to view my balance. I called Macy 's customer service and was told that these were old numbers - XXXX was replaced by the new card and the other was replaced when we experienced fraudulent use of our credit card. I spoke to someone who was able to replace the old numbers with my current number. However, in the process, it appears she wiped out my account history. I have made repeated calls trying to get this rectified but so far to no avail. A common theme is that I am told that there is no history to which I reply I understand and I want that corrected. I have called and been connected to Tech Support ( XXXX ) on XXXX. She assured me that there were system issues and that this would be resolved within XXXX hours so we set a time of XXXX at XXXX XXXX ET. No change. I called back on XXXX ( XXXX ) and was connected to XXXX. We went through the problem again and he assured me that he would check into it with XXXX Support and get back to me by Wed. around XXXX. Again no call back. To date Macy 's has shown no interest in resolving the problem. This opens the question of whether or not they are able to.
Product: Debt collection

Tried to resolve this in  2015 .   XXXX   company charged amounts that were not allowed by my insurance. Sent them to collections, when collections called I sent them   XXXX   XXXX   and wrote a letter explaining that the amount charged was not what I owed.  Made  payments for what I owed. Mailed them a letter, mailed radiology company a letter with copies of    XXXX  .  They made an adjustment but the wrong amount, called back and spoke to   XXXX   company told they would handle. Told collection agency. Had insurance company call   XXXX   company and had them call the collection agency. Collection agency still refuses to do anything until   XXXX   company says so but still reports incorrect information on my credit. Has been for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE HAVE A XXXX XXXX AUTO LOAN HELD JOINTLY, THEY WERE REPORTING TO ALL BUREUAS, AND NOW WERE DELETED IN ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 US DEPARTMENT OF EDU Reported : XX/XX/2019 Accounts listed the amounts should be XXXX and they are also too old to be on my account as well.And I have DEPT OF ED/XXXX  Reported : XX/XX/2019 account with lates that werent late but the account is also too old to be on my account.
Product: Credit reporting or other personal consumer reports

I was in XXXX  and was released to a XXXX XXXX and someone got a car in my name. 
and my credit report is perfect but I will not pay for a debt that is not mines.. 
Now I am trying to help myself. 

According to my experian monitoring system this account open XXXX XXXX XXXX XXXX XX/XX/2020 XXXX original balances
Product: Credit reporting or other personal consumer reports

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 

XXXX. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXXXXXX XXXX  # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX  XXXX inaccurate please delete XXXX. XXXX XXXX  XXXX inaccurate please delete XXXX. XXXX XXXXXXXX XXXX  XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX SAME ACCOUNT please delete XXXX. XXXXXXXX XXXX XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX  XXXX Same Account please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXX XXXX THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Product: Credit reporting

I have sent in several documents from the IRS proving my innocence. Experian is only saying they will not look at any information unless it is a super specific verbiage from a court. The IRS has told me several of the documents would clear my name, as the other XXXX agencies have already done, and that if they do not accept this last XXXX, they can take legal action against them. This, along with the other XXXX forms, completely prove that this lien is solely my grandmothers and I have no association with it. They denied this paper this morning.
Product: Debt collection

At this time I do not wish to be contacted by phone, only by mail for this listed creditor. I am also requesting an accounting of indebtedness I owe, so that I can make a solid single payment offer to settle the business between the parties. This is an official cease and desist all communications except by regular mail or through my email listed within the CFPB portal. Thank you.
Product: Credit reporting or other personal consumer reports

I'm trying to XXXX or access my equity and I'm being denied because the XXXX XXXX has XXXX XXXX loans I have for a XXXX XXXX  listed under XXXX or XXXX XXXX loans. They company says they do not have liens on my XXXX yet that's how it looks. It also looks like my XXXX was late but I have never been late on my XXXX. I was late on XXXX loans in XX/XX/2023 but caught up in XXXX. I'm struggling here trying to these all up to date but the XXXX XXXX and specifically this error is affecting my chances. Please help.
Product: Student loan

I have been in XXXX XXXX for over XXXX XXXX  and thus applied to have my federal student loans forgiven via the PSLF/ waiver. I applied for this over a year ago. My current loan lender is the company Mohela, even though these were all federal loans. All of my payments were deemed eligible for repayment, but only some were " qualified '' for repayment based on my employment. The problem with this logic is that I've worked for the XXXX XXXX the whole time, including during when the payments were deemed " not qualified '' based on my employment. My repeated requests for further information from the pslf program have gone unanswered. I am considering suing the Department of Ed in federal court under the XXXX. Any help would be excellent. Thank you!
Product: Mortgage

Yes another complaint on the same topic, because you didnt do your job the first two times. I sent in a second complaint on this topic and you said it was a duplicate. Well, XXXX. If you had done your job the first time, I wouldnt have to file a second complaint. Since you still didnt do your job the first two times, I have to file yet a third complaint. 

Maybe if you would just do your job I could stop filing these complaints? Maybe you could call me back. You keep saying call us. Well, I do, but you are too important to talk to me on the telephone. And evidently you are too special to call me back. I dont know why you are so lazy, but it is just insulting to not talk to me on the telephone when you are the people that say you want me to call you. 

The complaint is the same. Bank of America has still not sent me a 1099. They did send a financial summary, but it was not a 1099. I had to add up all the figures myself. Do you realize that I still had to pay PMI even though I only owed XXXX XXXX dollars on a loan for XXXX XXXX dollars? Doesnt that seem a bit unfair to you? 

I have dealt with Bank of America for over 13 years. They never answer a question. They just say they will send a message and someone will get back to me. When they say they will send a letter, it is always the same letter, and never addresses the specific issue at hand. For example, why did the PMI on one loan go down every year, while the other PMI stayed the same? 

Nobody ever knows anything, and nobody answers the specific issue at hand. I can only hope Senator XXXX XXXX comes up with new legislation in this Senate that makes Bank of America follow the rules. A multibillion dollar organization, thousands of employees, a CEO who makes more money in a week than I will make in my lifetime, yet a bank too stupid to figure out how to print out a 1099 and send it to me.

I have never been able to see any of their responses because the user id is wrong and I can not change it. So knock that off. Just tell them to send the 1099, and obey the rules. I dont need more messages from those idiots ; I just need them to do their jobs. 

XXXX XXXX