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

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX  XXXX  AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tax lien did not meet the standards implemented on XXXX/XXXX/XXXX but Equifax refused to delete the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 state
s that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX XXXX false claiming of personel use
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXXXXXX XXXX 1st letter XX/XX/2023 and then on 2nd letter XXXX/XXXX/XXXX  with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
WELLS FARGO CARD SER 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX  1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and equifax is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. XXXX XXXX, XXXX and Equifax Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity
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 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you 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. 
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

During the time of my XXXX  from XX/XX/XXXX to XX/XX/XXXX the reporting agency has reported over 60 missed payments with my student loans. I was in XXXX  and due to my circumstances was unable to pay on my loans.
Product: Mortgage

Ocwen reported my payments late in error and refuse to fix the issue.
Product: Debt collection

Quickclickloans.com hired an attorney XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX to sue me for a loan. I never received notification of being sued. It was not until I had my wages garnished, did I know of this lawsuit. Had to pay out of pocket fees to hire an attorney, get copies of lawsuit paperwork through the XXXX XXXX court, and found that they lied on the document submitted to the court that they had served the lawsuit paperwork to me. They court document indicated they had served me at my place of business ( the address they supposedly served the paperwork at was my parent 's old home address, which I never lived at ), the description of the woman they gave the documents to did not even come close to my appearance, and there was no signature of the person receiving the lawsuit paperwork. This attorney garnished my wages without proper notification of this lawsuit and I want this investigated. My attorney had XXXX XXXX XXXX stop this garnishment immediately after the findings of improper serving of lawsuit paperwork. Are you able to tell me further what my rights are? Is this something I can report to the Attorney 's General Office?
Product: Credit reporting or other personal consumer reports

Regarding the previous complaint # XXXX, your company stated the account in question is verified however the account below is reflecting many inaccuracies compared to the information provided by XXXX and XXXX. I saw THIS account on my credit report, and you need to remove it because it is inaccurate.
Product: Debt collection

PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

XXXX XXXX is attempting to collect on past due amount of {$130.00} owed to Continental XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to XX/XX/XXXXnot..
Product: Debt collection

Prior to my first complaint about Stewart, Zlimen & Jungers I had received what they had portrayed as XXXX County Court documents stating I HAD and was COMPELLED to pay a debt to them I had no knowledge of.  I reported them to the cfpb for that and wrote them notice to cease and desist all contact. They responded with the one response they a are allowed with the Fair Debt Collection act to inform me will being legal action against me. Having had the hearing noticed sent to an address I no longer resided at they received a default judgment with out my knowledge.  They then began to attempt to garnish my XXXX income and sent me a letter and had the court order I verify my income.  After a second collection letter for payment from my XXXX, being exempt income, I informed them once again to cease and desist a second time.  I received a letter this week demanding payment from a tax returns and offering a pay off plan that exceeds the amount awarded by the court despite my two prior cease and desist letters and that XXXX is exempt income. I am now issuing a third cease and desist even though they refused to comply with the prior two and continued to and threatened to collect on XXXX income.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to EOS in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and EOS took advantage of me and my finances. Please delete this account right away!
Product: Credit card or prepaid card

In XXXX of 2022, XXXX American Express accounts were fraudulently opened in my name without my knowledge. I have never applied and have never opened any account with American Express previously. The criminals charged more than {$38000.00} to these accounts. I was made aware of these account only via my credit reports. At the time, I was a victim of major ID Theft. Multiple bank accounts I already had were hacked as well as a number of other credit cards. The criminals also physically walked into a bank and using forged, fraudulent military ID cards, withdrew {$1500.00} in cash out of my accounts. All other banks and credit card companies have determined everything I was experiencing as fraud due to this ID Theft. American Express refuses to accept my dispute. I have called American Express multiple times and no one from their fraud investigation team will contact me even though I was told multiple times I would hear from them. I faxed them XXXX pages of supporting documents including a lengthy police report acknowledging the fraud and ID Theft that I was a victim of, and yet American Express denies my dispute. On top of this, American Express refuses to give me any reason whatsoever as to why they are denying my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  website and account access still down. It has been over 2 months since they claim they are in the midst of a system update and I literally can not make a payment. There are hundreds of people complaining on XXXX XXXX XXXX page. 

XXXX is reporting me now as 2 missed payments when it is their fault that we can't make payments and my Experian score has gone from good to poor. 

This is making it impossible for me to lease space for my XXXX XXXX
Product: Credit reporting or other personal consumer reports

{$900.00} Open balance PORTFOLIO RECOVERY Original creditoR they are not the original creditor and I do not have any contract with PORTFOLIO RECOVERY.
Product: Debt collection

This soes not belong to me belongs to XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me and were not authorized by me, have severely affected my financial well-being : Inquires : 1.Account Name : XXXX XXXX XXXX 2.Account Name : XXXX ( Finance ) 3.Account Name XXXX XXXX XXXX ( Finance ) COLLECTION Account name : XXXX XXXX XXXX Original creditor:XXXX XXXX XXXX XXXX XXXX  Account number : Balance : {$230.00} Open date : XXXX XXXX XXXX  The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA. I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation. Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Product: Debt collection

I attempted to contact the agency MIDLAND CREDIT MANAGEMENT about an account they're inaccurately reporting a collections account on my report that is not mine. They are reporting the collections account as an " Open Account '' which is a direct violation under the FCRA AND THE FDCPA. However, when I attempted to contact them via the mailing address on my report, it was returned unable to be delivered because the address they're showing on my report is incomplete. This is against the law as well. 

Under the FCRA, all information furnished to consumer reporting agencies must be accurate and complete. Reporting an account as open when it should be recognized as closed is misleading, and providing only partial address information prevents me from verifying the legitimacy of the reporting entity. 

Furthermore, the FDCPA requires that debt collectors furnish consumers with full identifying information. The omission of a complete address is another example of a violation of these standards
Product: Credit card

This incident includes the Old Navy at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX It also includes Barclays Bank and their fraud investigation unit On XX/XX/XXXX XXXX a credit card was opened in my name fraudulently at the Old Navy in XXXXXXXX XXXX. The original charge was for XXXX but has since gained interest. I have made several requests for an investigation and my investigation results keep coming back as determined not fraudulent. I do not live in XXXXXXXX XXXX and frankly I did not know it even existed until this happened to me. I have filed a police report, I have reported the incident to the credit bureaus, I have filed an identity theft report. This incident is causing my credit score to drop, it has caused me emotional distress on many levels. I personally would like the Old Navy and the employees as well as Barclays to be investigated for their practices.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of Complaint XXXX. 

XXXX had updated XXXX the balance to XXXX, thanks to you. 

But they have not changed the payment history for all those invalid lates that they are obviously guilty of placing. We all know payment history is 35 % of a consumer 's credit score, those lates from XXXX Account number # XXXX, is still affecting my credit profile in a negative way today. Experian also saying my paid of car note is charged off, which obviously incorrect ( i will repost the evidence ). XXXX went ahead and deleted the account. 

I thought would beneficial for me in the long run to pay of my autos to have great comparable car credit. XXXX XXXX and Experian made this a bad experience due to the fact that they FAILED AT DOING THEIR JOBS. We have our lives to live, we can't be worrying about the credit bureaus not doing their jobs, its Emotional damaging. 

I would rather they remove this account so i don't suffer anymore damages.
Product: Mortgage

We have applied for assistance with XXXX and a HUD counselor has assisted us with that and we are about to complete that process and remedy the foreclosure problem. However, we are trying to be able to keep the lender /servicer from early paying our property taxes as they always do! This is a vicious circle you can not escape because they choose to do this to reverse mortgage borrowers. Our HUD counselor said this is not right and that in INdiana property taxes taxes are due in XXXX and XXXX! This lender has a third party paying both installments as early in the year as they can! Last year they paid one in XXXX and the other in XXXX! We are on a fixed income and we have to pay in XXXX and XXXX. They do this and then tack interest onto our balance and now when XXXX pays the mortgage reinstatement, we will still owe them another {$1000.00} & they can keep up the same routine of paying our property taxes and inflating our balance! We will never get out from under them! How can this be right to pay it this early? The HUD counselor says it is not legal! We can not compete with this. I went online to see if this years property taxes were out yet & they were not but noticed they had changed out tax bill to go to the lenders third party instead of us!! What!? We arent even going to get our tax bill!? We still have the deed to our property! Went to the county tax office and was told the attorney for the lender set it up to go to the lender & that we wont get a property tax statement and they were told if we pay our taxes the lenders third party will too! WT heck is going on? The lady in the tax office said everyone with reverse mortgages is experiencing this and senior citizens are being targeted! This is our home and we will get a tax bill and the third party will not! I dont know who has done this or why but they have no right nor does the lender have the right to pay these property taxes that are due in XXXX and XXXX in XXXX. The lady in the tax office said they called in XXXX trying to pay 2023 taxes already! I will attach proof of all of this! I have also sent all of this to the AG but the HUD said the CFPB should be doing something about this!
Product: Bank account or service

I have XXXX issues with Wells Fargo which have caused a domino effect. First, I cancelled my online bill pay services but XXXX payments were still made despite such. When I spoke with Wells Fargo representatives I received conflicting information. One told me it only cancels one month at a time, and another told me scheduled payments would still pay out. Neither make sense to me. Secondly, I cancelled my overdraft protection ; specifically, I declined to have my checking account linked to my savings account, debit card, and credit card should I have insufficient funds to cover a transaction. Despite cancelling overdraft protection, when Wells Fargo processed those two bill payments I mentioned above it caused my account to be overdrawn and Wells Fargo charged me XXXX {$35.00} overdraft fees. When I asked a Wells Fargo representative why did those XXXX bill payments still get paid despite me cancelling my overdraft protection ( because I did not have sufficient funds to cover them ), she stated the bank can use its " discretion '' is assessing whether it will cover or reject any transactions, even if I have cancelled overdraft protection. As a result of these unfair banking practices, my account was overdrawn for an amount in excess of {$200.00}.
Product: Credit card or prepaid card

Incorrect information on Credit Consumers Report ; Dates, Amounts, Payments, Personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.
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 XXXX XXXX XXXX XXXX XXXX  XXXX  Limit {$29000.00}, showing 87 % credit usage, opened XXXX XXXX XXXX. This Account should reflect on my Business Credit Report not my Personal Credit Report. 15U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states 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

I had a student loan account with XXXX from XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT NOT REPORTING CORRECTLY. I HAVE DISPUTED THIS WITH EXPERIAN AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT. THIS ACCOUNT IS NOT DUE TO COME OFF TILL XXXX OF XXXX, IT A POSITIVE ACCOUNT ON MY CREDIT REPORT. WHEN I DISPUTED THSI I WANT THE ACCOUNT TO BE UPDATED NOT DELETE. I CONTACT THE CREDITOR GRANITE STATEMENT MANAGEMENT AND THEY SENT ME A PAYMENT HISTORY OUT THAT SHOWS MY HISTORY ON THE ACCOUNT FROM XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT SHOWS FIRST REPORTED THE CORRECT DATE AS XXXX XXXX XXXX. BUT ON MY EXPERIAN CREDIT REPORTS MUCH LATER IT SHOWS A DATE THAT IT WAS FIRST REPORTED AS BEING IN ACCURATE. SO I DISPUTED THAT AND WITHIN A COUPLE OF DAYS IT WAS DELETE OFF OF MY CREDIT FILE. XXXX SENT UPDATES TO ALL XXXX CREDIT BUREAU TO GET IT UPDATED AND I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE SINCE IT REPORTING POSITIVE ON MY CREDIT REPORT. I HAVE ENCLOSED MY CREDIT REPORTS TO SHOW PROOF AND A STATEMNET HISTORY FROM XXXX