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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.These fraudulent accounts consists of a personal credit card opened at XXXX  XXXX thats is now in collections with XXXX  XXXX  on XXXX XXXX and another XXXX  XXXX XXXX XXXX XXXX on XX/XX/year> that are now in collections with XXXX XXXX  do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my report
Product: Debt collection

Midland Credit Management composed a letter XX/XX/2022 stating that they had acquired an account from a company that I owed. Midland  violated my rights according to the Fair Debt Collection Practice Act because they did not include in that letter, nor did they send a letter within 5 days that stated : Section 15 USC 1692g ( a ) ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor I have enclosed proof of that letter. 
I, in turn, sent them a letter stating that they violated my rights and what section that they violated. They sent me another letter and that letter also did not have those REGULATIONS. 
This company is not abiding by the law and they continue to contact me, despite breaking the law. 

Date of first letter Midland Credit Management sent : XX/XX/2022. 
Date of letter that I sent to them : XX/XX/2022 Certified receipt from post office shows me mailing the letter on XX/XX/2022. 
The signed for the letter on XXXX. 
Date of second letter from Midland : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX and Transunion received my identify theft report. XXXX received it on XX/XX/year>. I called each of the Bureaus on XXXX/XXXX/XXXX  to check the status of my identity theft report. Some of the bureaus have removed some of the fraudulent information. Some had done nothing. The representatives advised me they had 30 days to investigate. I read the FCRA 605B ( 15 U.S.C. 1681c-2 ) which i also sent to them. Per the 605B they have 4 business days to remove said fraudulent information. I made sure to wait over 4 business days as a courtesy. I would appreciate any assistance you could offer in getting this resolved with all 3 bureaus as this is effecting my financial future greatly. I have done everything I am required to do by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX C/O XXXX XXXX XXXX is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of metro 2 fair credit reporting guidelines
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Letter of Concern Regarding Unauthorized Derogatory Marks on Consumer Report I am writing to express my concern regarding several derogatory marks that have appeared on my consumer report, which I did not authorize. Despite my attempts to resolve this issue by reaching out personally to Lobel Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I have not received any response from these entities.
Product: Mortgage

My complaint is with SLS - Specialized Loan Servicing. They have been in constant contact with my ex-mother in-law ( XXXX XXXX ) over my mortgage and has left me out of decisions by not contacting me. My husband and I were co-borrowers of the mortgage. My husband ( XXXX XXXX ) passed away in XXXX and she was appointed as the executor of the estate for 6 months in XXXX. The reason for this was I had underage children and I was incarcerated. I was incarcerated from XXXX. To complicate the matters, my husband and I divorced in XXXX and I deeded the house over to him. He was suppose to re-finance the house and buy me out but never did. from XXXX, Decisions were made on my behalf without my knowledge and consent. I was only made aware there was a problem in late XXXX when my ex- mother in-law told me she did not know what to do. SLS had stopped accepting the mortgage payments in XX/XX/XXXX. When it was brought to my attention, I for filed a loan modification and on numerous times was told my application was incomplete ( at times, the correspondences were not even addressed to me or to my mailing address ) I continued to get second hand information. SLS continued to ask for XXXX XXXX 's information even though she was not on the mortgage or was applying to be. My application was denied because her information was not sent, I have sufficient income to cover my mortgage payments and wish to keep my home. I believe I am a victim in unscrupulous practices and possibly fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. 

Account number XXXX
Product: Debt collection

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. 

For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Product: Credit card or prepaid card

I've tried 5 times asking for a credit limit increase on my account that only has a {$1000.00} limit from the inception of the account. 

I've had the card since XXXX & I have always paid my entire bill every month on-time. I have also make multiple payments per month in hopes of keeping my consumption of credit to credit limit ratio low so that it doesn't hurt my credit. I noticed that on my credit reports, consuming anything beyond 30 % of my limit on this account ( XXXX limit, {$300.00} charge or more ) tends to hurt my credit since it looks like I'm using a lot of the credit on this card. 

I have other cards with this same bank that feature credit limits of XXXX so why not increase the limit on this card? I'm a good customer who pays my card on-time, always pay my balance off in full and enjoy the cash back reward I earn on this card. 

Some dates to note : - I opened my account XXXX - I've tried asking for a credit limit using the bank 's online tool on : - XXXX - XXXX - XXXX - XXXX - XXXX All of the letters I've received from Capital One to notify me of the decline to my request only provide a vague response of " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits ''. This doesn't explain anything or help me understand what I can do to increase my chances of being approved for a credit limit. Also, the website page the document lists ( https : //www.capitalone.com/credit-cards/credit-line-increase/ ) does not have a definition of that this response means. 

On XXXX, I called my credit card company to speak to someone in hopes that I could get a concrete response for my declined increase requests. I spoke with 2 representatives, including a supervisor. Both could not provide me any information. They said they were not allowed to speak about this with me. I asked if their credit limit decisions were automated and the supervisor said " yes ''. So, what if my account is caught in a loop or program bug? Shouldn't I be able to speak to a person who could make a manual evaluation of the facts on my account to determine if a credit limit is justified? I feel like I'm being treated unfairly since I can reference my other Capital One card 's credit limits as samples of what the bank has already approved me for. Also, if someone took the time to look at my account history on all my credit cards with this bank, they would see an impeccable history. 

Help please.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXccount Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I asked all reporting company to remove inaccurate information on my report. Late payments and collections. I have spoke with Dept of Ed XXXX. They confirmed I never had no late payments. It was inaccurate. The reporting company never did investigating my problem and keep coming back verified after dispute. Never removed the inaccurate information reporting. 


Dept of Ed/ XXXX has XXXX late payments on my reporting which is inaccurate information. They confirmed it was wrong error and reporting company must delete those negative reporting. The credit bureau never responded or deleted. Please delete all late payments and collections all my XXXX reports. 

Reporting agencies must delete all inaccurate information and collections from my report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with Experian. I am still not getting the investigation that I asked for. By Experian not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to Experian asking for validation. The information was completely ignored by Experian. My Address is not XXXX XXXX XXXX. I ask that Experian do a complete investigation before reporting false information.
Product: Debt collection

I am submitting this complaint because DESIGNED RECEIVABLE SOLUTIONS, INC has damaged my financial emotional life. They have been being negligent with their report. The accounts involved is the followings : Account number 1 : XXXX Date Opened : XX/XX/2019 Original Balance : {$220.00} Account number 2 : XXXX Date Opened : XX/XX/2019 Original Balance : {$75.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc. 

Please send the attached documents to the company. 

Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

XXXX/ Navient. We paid off the final balance of our bill on XXXX XXXX, 2017 ( almost {$10000.00} ). Almost a month later ( on XXXX XXXX ), they " pulled '' another monthly payment for {$220.00} from my bank account. I called and asked for a refund, they said they 'd send it within " 30 days of the last payment '' ( which THEY created and pulled ). There is no option on their website to STOP their pull payments. The representative on the phone lied and said it was a push payment from our bank -- which is completely and veritably false. I suspect they are doing this to all of their clients and making money off the interest.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts that was not reporting accurately. I noticed I have fraudulent activities on my account. Consumer reporting agencies need to report all information accurately. Im now requesting you remove all fraudulent accounts. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX or XXXX, XXXX I received a notification that Chase Bank made an inquiry into my credit files as a result of a credit card application. I immediately called Chase bank to ask about this inquiry into my credit files and I informed them that it was not me. Someone had obtained my personal information and used it to apply for the Chase Bank credit card. I was told that no credit card was issued, the application was marked as fraud and deleted. However, the Chase Bank inquiry is still on my credit report with XXXX. 
On XXXX XXXX, XXXX I sent a letter to Chase Bank requesting them to close any credit card accounts opened and I included a note to delete the inquiry from my credit report with the Credit Bureaus ( XXXX ). Also, the letter requested Chase to respond to my requests. I still have not received any feedback from Chase Bank and the inquiry remains on my credit report with XXXX.
Product: Mortgage

I am in the middle of a chap XXXXbk and have been making my payments ever month, however wells fargo has not applied any payments to my account from XXXX2014 until now. I have been calling every month and they will not tell me what is going on and why they can not tell me why they have not been applied. the funds are sitting in a holding account. so when i filed my taxes the interest paid was not correct. I have ask many times when the funds will be applied and they will only tell me that this is going on with more then just my account. currently they are holding XXXX in payments. Please help me to get this cleared up. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX and I'm submitting this complaint myself there is no third party involved. 

I XXXX XXXX, consumer, natural person, and original creditor demand pursuant to 15 usc 1681 ( b ) - Permissible purpose i have no knowledge or consent to the inquiries that Transunion have reported to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency without my written instructions.

15 USC 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
Product: Credit reporting 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
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to XXXX data breach.
Product: Credit card or prepaid card

It has been brought to my attention that there was a credit card and inquiry open, then maintained in my name. I do not recognize this account. Upon further investigation, I believe myself to be a victim of identity theft. I am submitted records to GS Bank to remedy this issue, and have not received a response. It was opened using an XXXX XXXX I have not used in several years. Attached is the report I filed with the FTC and the rights awarded me as a consumer.
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with H & R ACCOUNTS. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.