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

To whom this may concern, 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 Account # XXXX Date opened XX/XX/XXXX Account name : XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXXccount # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX 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 ) .According to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, 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.According to 15 USC 1681s-2 " Responsibilities of furnishers of information to consumer reporting agencies. '' 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.

According to 15 USC 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.

According to 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain adverse information in consumer reports that is older than seven years. This includes things like civil judgments, tax liens, accounts placed for collection, and other adverse items.

According to 15 USC 1681 section 604 a section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I reviewed a copy of my credit report and ( XXXX XXXX ) ( Regions Bank ) ran an unauthorized credit inquiries on me on ( XX/XX/2019 and XX/XX/2019 ) and ( XX/XX/2019 ). 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX ) ( Regions Bank ) and investigate such occurrence. 
I am requesting and updated copy of my credit report, which should be sent to the address. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part  of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 
Thank you, XXXX XXXX
Product: Debt collection

Credence Resource Management is reporting a debt of {$69.00} and gives no explanation. It was placed on my credit report today. I don't know who this is and have no knowledge of this debt. I would like lie proof of this debt with a hard copy of my signature. According to 15 USC 1681 A Sec 2. A debt can not be sold to another consumer without consent. I would like this derogatory remark removed from my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, mortgage accounts from XXXX XXXX with a balance of {$930.00}, XXXXXXXX XXXX  with a balance of {$1200.00}, XXXXXXXX XXXX with a balance of {$1600.00}, XXXX XXXX with a balance of {$7000.00}, XXXX with a balance of {$3200.00}, XXXX XXXX XXXX with a balance of {$440.00}, XXXX XXXX XXXX with a balance of {$1100.00}, XXXX XXXXXXXX XXXX with a balance of {$410000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I 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 that is being 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, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXXXXXX 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 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 or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I sent a certified letter # XXXX on XX/XX/2023 to requested a reinvestigation and verifiable evidence documents of these inaccurate accounts on my credit report. I never received a formal response and Experian is in violation of the Fair Credit Reporting Act, Defamation of Character, Negligent Enablement for Identity Fraud. 

These account must be deleted immediately. MUST PROVIDE PROVE THAT THIS ACCOUNTS BELONGS TO ME AND UNDER MY LEGAL NAME AT SHOWED IN MY SECURITY CARD ISSUED BY UNITED STATES OF AMERICA. 
XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX  ACCOUNT XXXX DELETE INACCURATE BANKRUPTCY PUBLIC RECORD ACCOUNT XXXX DELETE - XXXX XXXX XXXX  ACCOUNT XXXX DELETE XXXX XXXX  ACCOUNT : XXXX
Product: Debt collection

XXXX XXXX services has been attempting to collect 3 accounts which were previously disputed and removed from XXXX XXXX and original creditors. These accounts were opened fraudulently. I have requested original application showing my signatures. They have failed to provide documentation. They only provide an old statement which does not validate debt. They have also changed date from original creditors last payment date as these trade lines have gone past reporting statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is submitting this complaint with no influence. Please see the attached documents for further detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters after letters and I have asked them to send me a record of the late payments that they are claiming me to have. They claim I was 90 days late on a payment in XX/XX/2019. Which I know is a lie, I also let them know that if a person is so called late on a 90 day payment why did you only report it in XXXX, why didn't they report is showing XXXX, and also XXXX in the allotted spaces with is illegal to do. They should have listed every SINGLE late payment from my credit report regardless if theres more than XXXX late per account. If I had a 90 day late payment reported, there should be 3 separate late payments listed in the allotted slots. Which there is not. So this is reporting wrong and I just want it to be updated. Plus XXXX XXXX has already taking all student loans off my report. Not saying that I don't owe them because I do. I just want them removed due to they been on my report more then 7 years.
Product: Credit reporting

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX {$180.00} - XXXX XXXX Open Date XXXX XX/XX/2015 XXXX improperly listed the XXXX account on my credit report. XXXX XXXX bought a disputed debt ( between myself to XXXX and their agents in the past ) they never sent me notification of the purchase nor their intentions to place the debt on my credit bureau. They listed the debt as open XXXX XXXX 2015 which is incorrect - as the re-aged the debt through fraud. I never admitted any obligation on the bill, and consistently disputed it through every collection agency that attempted to contact me. I am part of a class action lawsuit against XXXX for illegal collection practices : ( XXXX v. XXXX XXXX ( XXXX ) XXXX, Case No. XXXX U.S. District Court for the XXXX District of XXXX ) Again, XXXX never contacted me on my disputed debt. XXXX illegally re-aged the debt on my credit report with a XXXX XXXX 2015 open date. And they purchased a debt I disputed several times ( both via phone and in writing ).
Product: Mortgage

Village Capital is re-financing my home. The current lender is XXXX XXXX. Village Capital told me not to pay my XXXX mortgage because we closed XX/XX/2020. Village Capital said my next mortgage payment would be to my new lender. XXXX called me XXXX asking about their XXXX payment. I told them I had re-financed. They knew nothing about it. I called XXXX XXXX and was told they would be making the pay off later that month. I told this to XXXX. Then in XXXX XXXX called asking me for the XXXX and XXXX payments. I called XXXX XXXX several times to get information. My calls were not returned. I am a XXXX XXXX   XXXX Veteran and I had such a severe XXXX XXXX! I XXXX   Village Capital and called and left messages at every number I could find asking for help. Finally after several days a loan officer returned my call. He explained that my original loan officer was not available and my original closing from XX/XX/2020 had not been received by them due to problems with the mail and that I'd have another closing. He said my XXXX payment to XXXX would be taken care of by Village Capital. He said he'd keep me updated and that my new closing would be this week. Today is Saturday, the end of the week and I haven't heard from him again, just that one call more than a week ago. XXXX calls me every day. They send me mail every day. My home is going into Foreclosure! I have so much XXXX   with the XXXX that I'm afraid to open the mail. I've spoken with the Dept. of Veteran Affairs and HUD. Both agencies share my concerns. I'm afraid I am being scammed because of the lack of communication and lack of follow through by Village Capital. I need a closing date. I need to know when the pay off will be made to XXXX. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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Product: Credit reporting or other personal consumer reports

i have inquiries ive submitted where i was denied by the creditor. 

XXXX ( XXXX accounts ) XXXX XXXX auto finance XXXX XXXX - XX/XX/XXXX auto finance XXXX  XXXX - XX/XX/XXXX bank card XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - bank card XXXX XXXX ( XXXX accounts ) XXXX and XX/XX/XXXX sales finance XXXX XXXX  XX/XX/XXXX auto finance XXXX  XXXX auto finance XX/XX/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 disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus equifax XXXX and XXXX I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me
Product: Debt collection

I am so upset right now! Several months ago, this debt collector, XXXX XXXX , XXXX started reporting an account on all of my credit reports. I sent a request for validation to them on XX/XX/2019, and waited 60 days. They were supposed to respond within 30 days according to the FDCPA, but they did not. I then sent another letter on XX/XX/2019, over 40 days ago, and they still have refused to send me validation. I called the company about a week ago and asked them to tell me about this account. They said it belongs to someone named " XXXX XXXX ''. That is NOT me. I told them this, but they are still reporting it on my reports. My name is XXXX XXXX, not XXXX, and my name has NEVER been XXXX. This debt does not belong to me and should not be on my credit reports. Not only that, but now they've violated the FDCPA twice by NOT sending me validation after I requested. It has now been over 100 days since I mailed them my first validation request, and I still have not received anything. I sent both letters via certified mail, so I was able to see that they received both letters. I demand for them to remove this account off of my credit reports immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report, which is unauthorized and inaccurate. Upon reviewing my credit report, I noticed this unauthorized inquiry : XXXX XX/XX/2022 I have no recollection or knowledge of authorizing a hard inquiry by this company.
Product: Credit reporting or other personal consumer reports

This is one of several attempts to inform the 3 credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of Inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This is the company involved- XXXX and XXXX XXXX ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 

2. NCB MANAGEMENT SERVICE ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 

3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 

4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 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: Debt collection

Dear CFPB, I'm asking for help in the matter regarding Portfolio Recovery Associates, XXXX Account XXXX. 

I have no idea what this debt is and have asked Portfolio Recovery Associates several times for validation and proof they have a legal right to collect this alleged debt. They have not provided any signed agreements with my social security number stating that I open this account or any documentation proving that this is a legal debt that is owed by me. 

This is damaging my credit and is causing XXXX XXXX and XXXX. 

Please help remedy this situation immediately.
Product: Debt collection

I was served at my home with a summons on XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the Supreme Court of the state of NY in XXXX XXXX by Selip & Stylianou LLP, a company I have never heard of and have never done business with claiming to be attorneys for XXXXXXXX XXXX, but the service was not correct as required by law. I was never given or mailed an additional notice of lawsuit form UCS-CCRI, that by law, must have a stamped unsealed envelope addressed to me. I have absolutely no business dealings with Selip & stylianou
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;