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

NOTICE OF OPT-OUT I have reached out to both XXXX, Experian AND XXXX in regards to these two accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On Experian website they state they do not report income. So what is the B copy of the 1099c considered? The IRS say that this is income so we these two companies believe they are above the IRS Publication? 

XXXX, Experian XXXX are third party data collectors and instead of asking ME the Original Creditor they go to verify information from third party debt collectors. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these two companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. 

I AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE SOICAL SECURITY ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. 
THIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. 
CFPB please review.
Product: Debt collection

I have requested that this company validate the debt they claimed is owed over 30 days ago and they have yet to do so. The debt is not valid to my knowledge and the company is continuing with the lawsuit and derogatory accounts on my credit reports. Listed below are the actions taken by both myself and the attorney office that is representing the company. 


XX/XX/2022 A Complaint submitted by XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against myself XX/XX/2022 Summons Mailed Notice submitted by Case Management XX/XX/2022 Answer uploaded by Case Management Staff submitted by Defendant stating that this debt is not valid to my knowledge XX/XX/2022 REQUEST TO ENTER DEFAULT JUDGMENT submitted by PAPADELIAS, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against Defendant XX/XX/2022 Trial scheduled for XX/XX/2022 XX/XX/2022 Motion to vacate submitted by Defendant XX/XX/2022 debt validation letter sent to plaintiff via certified requesting information to validate debt that is claimed to be owed XX/XX/2022 no response from plaintiff with documentation XX/XX/2022 REQUEST FOR ADJOURNMENT submitted by XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC .
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, Experian, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.
Product: Credit reporting or other personal consumer reports

Borrower Defense # XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX # now ( Mohela ) Parent Plus Loan for XXXX XXXX XXXX. Attended XXXX XXXX  XXXX XXXX XXXX XXXX. I filed DTR on XXXX due to fraudulent employment claim and unaccredited school. ( XXXX ) Received letter of approval. Loan is still in my credit file. Please remove inaccurate data. Contact XXXX in Virginia. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was in a XXXX XXXX XXXX  and there have been major inaccurate calculations that Im current in litigation with in regards to a pending foreclosure. The issue at hand is per my bankruptcy XXXX XXXX XXXX XXXX XXXX it explicitly prohibits XXXXXXXX XXXX from reporting on my credit report. According to my credit report XXXX is Claiming I haven't made a payment since XX/XX/XXXX ( see attached ) However they failed to acknowledge they sent my XXXX payment of XXXX ( see attached ) Furthermore on the credit report I haven't payed in over 120 days, Thats inaccurate. 

Based on my Foreclosure Complaint I have been in default since XXXX ( see attached ) XXXX has been my Servicer Post Bankruptcy for 6 years. They have been completely non existent on my credit report until XX/XX/XXXX. According to XXXX XXXX I been in defualt, but there nothing on my credit report previously reflecting that? 

This needs to be removed immediately because its illegal violation of my XXXX XXXX order and it is completely inaccurate. Also, Please forward me the EXACT MONTHS I became deliquent. I have proof of every payment for the exception for when it was refused
Product: Student loan

US Dept of Education online site XXXX XXXX, XXXX, NEXXXX thru web disability discharge does not respond in 120 days therefore credit report agency and debt collection letters. Social Security has deducted {$310.00} so far began in XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, began deducting without prior notice. Prior notice would have found that I received XXXX XXXX XXXX XXXX by a physican signature, my primary care for over 14 years. The forms were submitted in XX/XX/XXXX. I sent copies of these forms to above address and they have NOT acknowledged the receipt even with a tracking verification. 
I have NOT been emplyed since XXXX. 
I have emailed the company Nelnet several times their letter specified 120 days to resolve. I do not know why there is a problem. BUT I intend to seek refund of the money deducted from my ssa benefits. HINT : Since the deductions were automatic, I am homeless!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

i sent out a debt validation letter to this company and they sent me a bill statement rather than proper validation of debt. this is not my debt i wish they would remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is XXXX XXXX XXXX XXXX, PA XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, the credit bureaus refuse to follow the FCRA. I have sent letters and disputes to fix this ongoing problem. None of these accounts are accurate or or correct and must be remove or fine in accordance with the FCRA. Acct. # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX, XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 SEC 604A states I have the right to privacy. 15 U.S.C. 1681 SE 604A SEC 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681b states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 U.S.C 1861i ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 15 U.S.C. 1861i SEC ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. ( 6 ) Notice of results of reinvestigation ( A ) In general U.S.C. 1681i SEC 6 ( A ) A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. U.S.C 1681s-2a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I am submitting this complaint because Citibank has locked my account and is preventing me from accessing it despite my repeated efforts to follow their verification process. After contacting Citibank via phone, I completed all the steps they advised for verifying my account. However, I was informed that I would need to wait for a letter containing a verification code to unlock my account. It has now been several weeks, and I have yet to receive this letter, even though I have received other unrelated mail from Citibank during this time. 

I have contacted Citibank multiple times to resolve this issue, but they have informed me that I am not allowed to verify my address, and I am also not permitted to go to a branch for in-person verification, even though I have all the necessary legal documents. As of now, Citibank is telling me that there is no way for me to regain access to my account. I am requesting assistance from the CFPB in resolving this matter, as I am being denied access to my funds without any feasible means of verification or resolution from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery Services # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Debt collection

Received a vague call from "  XXXX   XXXX  at extension #  XXXX  telling me either I or my atty must call her regarding an urgent matter ( did not disclose company or debt on the phone ) and gave me this number to call her back :  XXXX   XXXX   XXXX  X  XXXX . I googled this and it appears to be some kind of scam, so did not respond to the phone call. I would liike to see these kind of scammers apprehended and their ability to get phone numbers shut down. It looks like they have been doing this kind of activity for several years.
Product: Debt collection

XXXX has called me several times and left a claim number. They are now calling and harrassing my family and ex husband. When I tried to call the number back it goes straight to a fast busy. I tried calling them back again and after many rings, a man named XXXX answered. He claimed I owed money for a payday loan back in 2012. It was for {$400.00} and they are the arbitration company and that I am being sued by XXXX XXXX XXXX. I have never taken a pay day loan from this company and check my credit report and there are no collections. I want these people to stop harrassing me and my family. They threatened to have me served with at my work or my residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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

XXXX XXXX is reporting negatively on my credit report XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. 
Account # 1 {$280.00} Balance XXXX XXXX Original Creditor {$280.00} High Balance XXXX XXXX, 2016 Opened Date XXXX XXXX, 2016 Last Reported Individual Responsibility Placed for collection Remarks Note I would like the items removed from my credit report, updated bill notifications, and payments reported correctly to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft block to  XXXX , Equifax, and     XXXX   XXXX   .  I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All   XXXX   credit reporting bureaus have refused to block it
Product: Credit card

I have credit protection on my several of my synchrony bank credit cards. I filed a claim for a benefit event date of XX/XX/XXXX for XXXX for COVID XXXX and treatment XXXX XXXX XXXX because I was out of work it was approved after the company giving me a runaround making XXXX XXXX fill out several forms, and asking for information. I filed another claim under XXXX for a event date of XX/XX/XXXX for XXXX XXXX deficiency that caused me to be out of work over 90 days. XXXX XXXX submitted a letter stating that I was still under care for being treated for this condition as well as XXXX XXXX XXXX the form required stating that my release of care was XX/XX/XXXX. After those things were submitted my claim was denied. I requested a benefit analyst to contact me because they stated that the claims were related. This is untrue as they are XXXX separate illiness at XXXX different times. I pay monthly fee as a part of my balance for this services and no one has contacted me. It has been escalated several time with out anything being resolved. They also stated that I did not have a balance on some accounts that supposedly XXXX bank provided them bank statements but I have spoke with synchrony several times and they have confirmed that I did have balances on some of my accounts during that time as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that appear to be fraudulent. These accounts are not mine and have been opened without my consent. As a result, they are negatively impacting my ability to obtain credit. 

I kindly request that you investigate this matter and remove these fraudulent accounts from my credit report as soon as possible. I am happy to provide any necessary documentation or further details to assist in resolving this issue.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX, AMOUNT {$510.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$530.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$650.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, XXXX {$770.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1300.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$550.00}, ACCT # XXXX ACCOUNT : XXXX AMOUNT {$520.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$390.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$950.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$180.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$270.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX, AMOUNT {$680.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$430.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$730.00}, ACCT # XXXX ACCOUNT : XXXX XXXX AMOUNT {$6900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXX/DOFED, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX AMOUNT {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3900.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$940.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX {$780.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, XXXX {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$930.00} XXXX ACCT # XXXX Inquiries : Here is the list with the credit bureau names removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, MD. XXXX, XXXX XXXX XXXX, XXXX XXXX DC. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with XXXX. 

I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. 

Furthermore the account is full of inaccuracies reporting to my bureaus. 
The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. 
Secondly the amount claimed owed is incorrect. 
Third ... .how do you owe any amount on a charged off account? 

I've attached in this complaint a copy of my Experian credit report showing false information. And a copy of the cease and desist letter sent to the company directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX