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

XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX 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 a account opened at ( XXXX XXXX XXXX acct XXXX XXXX XXXX ), Two collection accounts from ( XXXX XXXX XXXX opened XXXX XXXX and XXXX XXXX ). Hard inquiry from ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), Hard inquiry from ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX and XX/XX/XXXX ). ( XXXX XXXX ). These Accounts have resulted in several hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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, 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: Debt collection

I lived in a complex XXXX on XXXX XXXX my lease was from XXXX XXXX, XXXX to XXXX XXXX. The end of XXXX XXXX a new company named XXXX bought the property ( tenants were not informed ) I had paid in full lease agreement with XXXX ( did not receive my {$600.00} deposit back from XXXX ). 
XXXX reports on my credit report a debt which I do not owe ( never did business with XXXX ) I want this removed ASAP, thank you XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and notice I had a late payment on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy.

I have never be late on payments for the account. XXXX XXXX XXXX XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

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

I have attached an FTC report with inquires I did not authorize, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, Equifax and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.
Product: Debt collection

I AM CURRENTLY IN FORECLOSURE WITH " SPS '' WHO IS A COLLECTION AGENCY AND PER THE FDCPA, " A COLLECTION AGENCY CAN ONLY COLLECT ON A DEBT AND CAN NOT SUE IN THE COURT OF LAW FOR A DEBT THEY DO NOT RIGHTFULLY OWN ''. BECAUSE OF THIS I FILED CHAPTER XXXX ON XX/XX/XXXX. SPS AND THEIR ATTORNEY KEPT TRYING TO SALE MY HOME WHILE UNDER BANKRUPTCY PROTECTIONS AMONGST OTHER FDCPA VIOLATIONS TO THE HOMEOWNER! 

MY COMPLAINT IS THAT SELECT PORTFOLIO SERVICING IS FRAUDLENTLY ACTING AS A " MORTGAGE SERVICER '' HOWEVER THEY ARE REGISTERED IN THE DEPT OF STATE OF UTAH AS A " COLLECTION AGENCY ''. A COLLECTION AGENCY CAN NOT SUE ME IN COURT BECAUSE THEY DO NOT OWN THE DEBT. I HAVE ASKED SPS TO PROVIDE VERIFICATION OF DEBT, TRANSFER OF DEED AND NOTE TO NEW LENDER, WITH ALL THE FILES THAT CAME ALONG WITH THE TRANSFER OF MY MORTGAGE ACCOUNT IN XXXX. THEY HAVE NEVER PROVIDED THIS INFORMATION TO ME OR THE COURTS AFTER A JUDGE HAD A COURT ORDER. " SPS '' IS THE SAME ENTITY AS " XXXX XXXX XXXX '' AS THEY JUST SIMPLY CHANGED THEIR BUSINESS NAME ON XX/XX/XXXX AFTER BEING SUED MANY OF TIMES INCLUDING THE ( FTC ) WHO SUED THEM FOR {$40.00} XXXX DOLLARS. THIS COMPANY CONTINUES TO TAKE ADVANTAGE OF ME AS MY LOAN WAS INVOLVED IN THE SUB-PRIME MORTGAGE FRAUD SCAM THAT WAS COMMITTED WITH XXXX XXXX XXXX, SWITCHING TO XXXX  XXXX XXXX AND THEN ALLEDGELY TO SELECT PORTFOLIO IN WHICH ALL THREE MISLEAD AND MISCOMMUNICATION MY LOAN DOCUMENTS WHICH WAS THEY THEY WERE SUED. I SAYING THAT I AM IN BANKRUPTCY COURT FIGHING TO KEEP MY HOME IN WHICH SPS AND XXXX XXXX XXXX XXXX XXXX ( WHO DOES NOT EXSIT BY THAT NAME IN THE DEPARTMENT OF STATE OF DELWARE OR CALIFORNIA OR UTAH ) WHICH MEANS THAT ARE " NOT LEGALLY A BUSINESS BY THE NAME IN NONE OF THOSE STATES '' BECAUSE THE " DBA '' IS NOT REGISTERED OR LISTED. I NEVER SIGNED A CONTRACT WITH XXXX XXXX. MY MORTGAGE IS A MERS LOAN AND IT WAS ASSIGNED A MER MIN #. MY LOAN MIN NO. XXXX IS CURRENTLY LISTED IS " INVALID '' IN THE MERS SYSTEM.
Product: Debt collection

I am writing to formally file a complaint concerning the lawsuit filed against me by Midland Credit Management Inc regarding alleged debt associated with XXXX. 

Case Number : XXXX As a consumer, I believe I have the right to be informed about any debts claimed against me in a clear and timely manner. Unfortunately, I have not received any prior communication regarding this alleged debt before being served legal papers. 

Specifically : 1. I did not receive any official notice or validation of the debt from Midland Credit Management , Inc .

2. I have not been provided with concrete documentation supporting the legitimacy of this debt, or prior communication regarding its existence.

3. I was not afforded the opportunity to discuss or resolve the matter outside of court prior to the filing of this lawsuit. 

Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to receive proper validation of debts and to be notified in writing of their rights. The lack of meaningful communication from this agency has caused me significant distress and confusion.
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 XXXXXXXX and list of Inquiries. 

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

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't want this on my report, these are negative accounts reported under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER CREDIT REPORT WHICH IS IN ACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGE DEBT. ALSO PROVIDE ME THE MASTER BILL OF SALE. 

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

My student loan was transferred and I had no knowledge of it until I got an email saying welcome to ur new loan service. The old loan was removed and the new loan was applied. Taking my credit scores lower than normal.
Product: Credit reporting or other personal consumer reports

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws.

I demand immediate deletion and blocking of these fraudulent entries within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed there are two accounts on my Transunion report that do not belong to me. I have contacted the collection company and explained to them this isnt me. I also have contacted Transunion about this and I see the two accounts by a company called XXXX XXXX XXXX are still on my credit report.
Product: Money transfer, virtual currency, or money service

See response letter from company, however the following tokens are still, in fact blocked : XXXX XXXX XXXX XXXX XXXX XXXX All are blocked or tokens are blocked on their system, so they are not correct in their response that I have no blocks. That is false and untrue, when speaking with the zelle reps, the reason these are blocked are from confirmed fraud from XX/XX/2022 and they will not provide any explanation of what the confirmed fraud is. I did not confirm fraud on a zelle transfer. If there was reported fraud, if we have the user 's full name, we can then confirm that the fraud is not legiminate and is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want them to correct : XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$33000.00}.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection

For years I have been getting calls from Portfolio Recovery regarding debt I dont have. Im XXXX years old and never had a job, credit/debit card, went to college, hospital without insurance or anything of that sort. I have no debt, but the calls are nonstop. My number is even on the Do not Call registry. Yet still, it happens nearly single day ( sometimes multiple times a day ) from different numbers. I usually ignore, look up, then delete the number but have been keeping them in my call log so I can provide proof. 
In the past week I have been called by : ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 and they are all Portfolio Recovery numbers.
Product: Debt collection

To start off with I checked my credit report and got a notice of collections saying I owe {$730.00} to CMRE financial services which contains medical bills but I was XXXX for over XXXX at the date of the collection. My medical is completely covered by XXXX XXXX and I go to a on base facility. I 'm not paying for a bill that I never incurred let alone never heard of.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Midland Credit Management XXXX, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX  which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

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

This is not an account I have been receiving offers with the incorrect middle name in my name Navy Federal Credit Union has me in their system as XXXX XXXX XXXX My correct full name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX. 

U.S. BANKRUPTCY COURT : # 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 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX Account number:XXXX Balance : {$0.00} XXXX  XXXX XXXX  Account number : XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$55.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$1000.00}
Product: Mortgage

Account is on a reoccurring online payment plan, for repayment of a simple interest mortgage. Account is due on   XXXX   of each month.  Servicer sh ows that the payment is made on time and credits account with the amount due.   Servicer continues to collect interest in their favor until they receive the monies from my bank. Servicer does not honor the " mailbox rule '' as they do not have local offices.
Servicer was sent a lette  r requesting an audit and correction of the account. The sent response letter stating the matter would be investigated and concluded by  XXXX  but as of this date they have not responded to the request for correction.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( past the XXXX  days required by law ), Equifax replied ( to my XX/XX/XXXX dispute ) that the alleged transaction on XX/XX/XXXX they furnished as late was verified and correctly reported, but my XX/XX/XXXX dispute did not ask them to verify. I requested a thorough investigation and proof that validate the alleged late payment is accurate. This is the information that you must have or possess by law in order for you to report a payment as late. However, they failed to follow reasonable procedures to assure maximum possible accuracy of the information what the LAW requires of you : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer. 
Also, in XX/XX/XXXX, Equifax reported an alleged transaction as late with XXXX XXXX XXXX XXXX ( Account name : XXXX XXXX XXXX, Account # : XXXX ). This entry, which appears on my report for XX/XX/XXXX, is in fact inaccurate, misleading and fraudulently reported information which constitutes a violation of federal law, amounting to extortion and fraud according to 15 U.S. Code 1681a. Further, I have never received a statement that included all of the information required under 15 U.S. Code 1638a, so the alleged transaction on XX/XX/XXXX has been improperly placed on my report, violating the Truth in Lending Act ( TILA ) and causing undue harm to my creditworthiness.
Product: Prepaid card

Checked into XXXX XXXX XX/XX/year>. Charged {$180.00} incidental. Used American Express gift card. XXXX XXXX has released the incidental charge. Still have not received incidental refund from AmEx. Amex says I cant get my refund until XX/XX/year>, ONE MONTH from date I used it. What reason do they have to hold my money? Maybe I should receive interest. How is this even legal?
Product: Debt collection

XXXX XXXX XXXX AND XXXX XXXXXXXX BEEN CALLING FOR A DEBT THAT WAS FRAUD. 
THIS FRAUD ACCOUNT / COLLECTION SHALL DELETE BECAUSE IT WAS OPENED WITHOUT MY PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX