23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXXThis loan has been closed since XX/XX/XXXX. The unit was sold by fannie mae on XX/XX/XXXX for and amount of {$83000.00}. The balance showing on my account should not be there, since the unit is no longer in my name. I released the unit to XXXX in lieu of foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX, XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

The list of accounts Below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Credit Collection Service # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion LLC credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shell follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallf, after any reinvestigation under paragraph ( ( 1 ) of any information dispute by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency XXXX ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnish of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

On XX/XX/2024, i looked at my credit report and noticed that a new collection had been added from the collection agency XXXX XXXX XXXX. I went ahead and called XXXX XXXX XXXX and was asked questions about myself they should have already had the answers to. 
The collection in question was from XXXX XXXX  and i have never conducted business with XXXX. 

I do not know if XXXX XXXX XXXX is a reputable collection agency. Or it was just a person trying to scam me. But the collection being put on my credit file is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just obtained my free Annual Equifax Consumer Report and there are at twenty-six " soft inquiries '' from " XXXX XXXX XXXX XXXX '' over the past three years ( XX/XX/XXXX to XX/XX/XXXX ). Almost a monthly inquiry and I do not know how long Equifax has been illegally allowing " XXXX XXXX XXXX XXXX '' to be excessively accessing my credit report, when I have NO business with " XXXX XXXX XXXX XXXX. '' I also object to Equifax illegally allowing " XXXX XXXXXXXX XXXX XXXX '' to be accessing my credit report with six soft inquiries in a consecutive sixteen day period from XX/XX/XXXX to XX/XX/XXXX, when I have NO business with them.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account was deleted from my Equifax credit profile in XXXX and was inserted back into my file on XXXX. This is not right it was deleted because of fraud and i have sent a police report, FTC report, ID, ssc, and proof of residence. Equifax has clearly violated my fair credit reporting rights. The company never responded to the request and i have sent a letter from XXXX TO Equifax SEVERL TIMES. I have recently contacted a consumer lawyer to sue Equifax for damages for credit denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal dispute regarding violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), which have significantly impacted my financial well-being and emotional state. I am seeking your assistance in addressing these violations and ensuring that my legal rights are upheld. 

I have recently discovered several inaccuracies and questionable account information on my credit report, which have negatively affected my financial standing and peace of mind. The following creditors and accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have diligently reviewed my credit report and identified multiple instances where these accounts are either inaccurately listed or not properly verified. These errors have not only affected my ability to secure favorable credit terms but have also taken a significant toll on my emotional well-being. 

To provide a personal context, let me share a distressing incident that exemplifies the repercussions of these inaccuracies. Last year, I applied for a mortgage to fulfill a lifelong dream of owning a home for my family. Despite having a stable financial history and diligently managing my obligations, the presence of these questionable accounts led to the denial of my mortgage application. This heartbreaking setback not only shattered my dream but also caused immense stress and XXXX for me and my family. 

I urge the Consumer Financial Protection Bureau to enforce the legal rights that safeguard consumers like me from unfair and inaccurate credit reporting. I implore you to intervene on my behalf and ensure that the following actions are taken : Investigate the violations of the FCRA committed by the mentioned creditors. 
Enforce the accurate reporting of my credit information in accordance with the FCRA provisions. 
Direct the creditors to remove the unverified and questionable accounts from my credit report. 
I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and diligently address my concerns. Your intervention will not only rectify the financial harm I have endured but also provide a sense of justice and relief that my family and I desperately need. 

Thank you for your attention to this matter. I am eagerly awaiting your response and assistance in resolving these distressing issues. 

Sincerely, XXXX XXXX
Product: Credit reporting

Rocky Mountain Credit ( no license # on letterhead ) at XXXX XXXX, XXXX, Mt XXXX, XXXX XXXX XXXX XXXX. Reported me as a delinquent on my credit report, even though I disputed the claim within the 30 day timeline. I requested any type of document with my signature, they failed to do so, and sent me a bogus XXXX invoice that even I can generate. They reported this as a delinquent account even after I followed the legal steps and disputed, without them being able to verify the debt. What steps do I have to take to clear this erroneous reporting on my credit report, and to evoke their collection agency license?
Product: Credit reporting or other personal consumer reports

XXXX of 2023, I contacted XXXX Mortgage company in regards to the constant late payments reported to my credit while the loan was in forbearance. The length of the forbearance was during COVID-19. When I contacted the company, the representative stated there was a past due amount that would be rolled over and I asked why I wasn't notified of the late payment. I was never provided an answer.
Product: Debt collection

I noticed that Hillcrest and Davidson Associates had reported negative information on my consumer report which is hurting my credit score and stopping me from purchasing my dream home. I sent a request of validation on XX/XX/2021 as well as a cease and desist letter along with an affidavit of truth on XX/XX/2021. They received this information on XX/XX/2021. On XX/XX/2021, they sent a letter that violated 15 USC 1692c ( c ). They were still trying to collect through the mail ( mail fraud ) after I sent my cease and desist. On XX/XX/2021, I sent another letter stating the 15 USC 1692c ( c ) and reminded them that the only reason that they should contact me is to make me aware of my remedy for injury. According to 15 USC 1692k ( a ) ( 2 ) ( a ), FDCPA violations are up to {$1000.00}. 15 USC 1692d ( 1 ) was violated because of the injury to my reputation. My consumer report is reputation ( 15 USC 1681 ( A ) ( 2 ) ) and this has hindered me from progressing with my goals. 15 USC 1692j ( A ) was violated. Furnishing my information without my consent is furnishing deceptive forms and identity theft. 15 USC 1692f ( 1 ) is another violation. I've never contracted with Hillcrest and Davidson Associates. There is no agreement between us to authorize this alleged debt. Last, they violated 15 USC 1692c ( c ) by trying to collect the alleged debt after the cease and desist letter was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXX  XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXX card Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.
Product: Credit reporting or other personal consumer reports

Statement Regarding Fraudulent Loans Opened in My Name To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute two fraudulent loans that were opened in my name with XXXX. These loans were taken out without my knowledge or consent and remain unpaid. As a result, XXXX has continued to report negative and inaccurate information to the credit bureaus, significantly damaging my credit. 

Background of the Fraudulent Activity : 1. Incident of Identity Theft : My phone, banking information, and personal identifying details were stolen in XXXX, 2021. The individual responsible used my stolen information to fraudulently open accounts and loans in my name at the same time. 

2. Police Report Filed : I immediately filed a police report and resolved any fraudulent charges that I was aware at that time in XXXX 2021. 

3. Unauthorized XXXX  Loans : I was unaware that loans had been opened with XXXX until I noticed the negative impact on my credit report. I did not apply for, authorize, or receive any funds from these loans. 

4. Ongoing Negative Reporting : Despite multiple attempts to dispute these fraudulent accounts, XXXX has continued to report delinquent payments, harming my credit for over three years. 

5. Attempts to Resolve : I have contacted XXXX directly to dispute these fraudulent accounts, but they have been uncooperative in addressing the issue. 


Requested Action : I respectfully request the following : Immediate removal of the fraudulent loans from my credit report.

Cessation of any negative reporting related to these fraudulent accounts.

Confirmation in writing that these accounts have been removed and that no further action will be taken against me regarding them. 

Attached to this statement are supporting documents, including a police report, Federal Trade Commission ( FTC ) identity theft report, and any previous dispute communications. 

I urge XXXX and the credit bureaus to act in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this injustice. I appreciate your prompt attention to this matter and look forward to a resolution. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Transunion permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to XXXX, Equifax and XXXX  regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has assumed my identity as the " original creditor '' and has a charge off credit card account on my consumer report. I, XXXX XXXX XXXX, am that I am, the CONSUMER in fact, natural person, original creditor, lender, executor, administrator, pursuant to 15USC1602i. I have an open ended consumer credit plan pursuant to 15USC1602j, am the creditor pursuant to 15USC1602g, Being that i have ope ended credit i should have never been charged for the referenced account. As original creditor in a consumer credit transaction I have the right to cancel the alleged debt but XXXXXXXX XXXX  will not comply with the federal law and should be held civilly and criminally liable pursuant to 15USC1640 and 15USC1611. XXXX XXXX has failed to provide the original documentary evidence pursuant to " Rule 1002 '' and nothing can be reported on my consumer report without written consent from the consumer pursuant to 15USC1681b. Please investigate and have tradeline remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine. 

One account on your report shows past due and could use your attention.

Total open balances {$140.00} How did we get this info?

Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance FIN CR NETWK {$140.00} Needs attention
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXXL XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime- {$470.00} & {$300.00}. Chime dots not investigate properly and denied my transaction. The names didnt even match on the records.
Product: Debt collection

Your permission to include this bankruptcy in my credit record is not authorized! There are many dates for filing and reporting, as well as for closing. This is crazy! I have the court 's letter stating that they do not notify you of this bankruptcy and that this is coming from an uninvited third party.
Product: Debt collection

This agency NCO FINANCIAL SYSTEMS is misrepresenting their company name, address and phone number.. when you call the XXXX number it really belongs to the XXXX. They are harrassing me with these different collection agencies because they can not collect on a debt that is not mine and was a result of Identity Theft which I am a victim of. XXXXXXXX was notified in XXXX 2015 that this account was a result of Identity Theft.They received all the necessary proofs via certified mail. In XXXX XXXX, 2015 I received a letter from a collection agency stating that this account was placed for collection and i must pay. On XXXX XXXX, 2015 I sent them via certified mail all necessary paperwork, theft report from FTC etc.they apparently turned around an sold the debt again to this NCO financial system because now on XXXX XXXX, 2015 I received yet again another collection letter from NCO indicating that I owe this debt. When I called the XXXX number that is on the letter, the representative " XXXX '' states that the company name is XXXX XXXX XXXX XXXX XXXX XXXX . How can this be if the letter has the address and name of NCO Financial Sysytems. Misrepresentation? And XXXX /XXXX was already sent the necessary legal paperwork indicating that this account has been a result of identity theft. Why are they still trying to collect on this debt? Another thing they also sent me the paperwork that was involved with the application process at the time of the theft occurance. The signature is not mine. I filled all necessary forms with ftc and police dept and have provided them with my notarized signature and they still try to collect. Why?
Product: Credit reporting or other personal consumer reports

I'm receiving Threating phone calls and emails from the company below and XXXX, XXXX, Equifax are transferring my information without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

( XXXX XXXX XXXX  FOR {$330.00} OPENED JUN 08, 2018 ) ( XXXX  FOR {$1300.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX XXXX FOR {$7800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$470.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$220.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX FOR {$200.00} OPENED XX/XX/XXXX, ) ( XXXX XXXXXXXX XXXX FOR {$790.00} OPENED XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) : # XXXX, and Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/year>XXXX  violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

Remittance Institution : Transfast.com Destination Country : XXXX   Transfast Transaction ID # XXXX Transaction Date : XX/XX/2017 Money not received in recipients account. 

Upon multiple follow-ups with Transfast they finally agreed that money is with partner in XXXX and mentioned that funds will be refinded back to my account. 

IT has been more than 4 months now and I have not received funds back to my account. Please help -- -- -- -- -- -- -- This is last conversation with Transfast Hi XXXX, Thank you for contacting Transfast.com. 
This is in regard to your transaction XXXX. We apologize for the inconvenience. We already made a follow up regarding refund status. Once we receive any update we will send you an email. 
This conversation will be closed as your inquiry have been answered. 
If you believe your concern was not resolved simply reply to this email. 
For a separate issue kindly send us a separate email at XXXX. You may also contact us via chat or call our toll free number. 
Regards, Customer Support | eCommerce TRANSFAST Tel : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Try our mobile app available in XXXX and XXXX -- -- -- -- -- -- -- -- -- -- Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are reports inaccurate information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Acct XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX. XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX has violated my rights. 

1

5 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 c
onsumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose