23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was n't protected under the wage earner law as I should have been. My case numbers are  XXXX  &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is   XXXX  . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the  XXXX  went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a  XXXX . The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Mr. XXXX XXXX fraudulently filed : 1 ) False Police Report ( attached ) alleging bank fraud on my ( XXXX XXXX ' ) part ; 2 ) Fraudulently REVERSED all CREDIT card payments made from our joint account ( s ) and authorized payment accounts to my creditors for the entire year and in some cases, beyond one ( 1 ) year of payments ; 3 ) XXXX confessed to the above crimes in an OFFICIAL SWORN STATEMENT by and through XXXX  XXXX XXXX ( the bank that completed fraudulent reversals of payments after fraudulent claims were made by XXXX ). The sworn statement was NOTARIZED by two ( 2 ) FDIC officials and bank manager on site ( see attached ). 

Due to XXXX XXXX XXXX  crimes ( above ), his additional criminal acts include XXXX XXXX, a conviction of same, and the reason I was confidentially relocated, forced to return my vehicle ( fear of additional beatings/crime ), and I was UNAWARE of all of the financial fraud in addition to vehicle payment and return. 

Despite numerous disputes with XXXX XXXX, they continue to sabotage my credit report, cause grave financial and ongoing harm to my detriment. 

Under every clause contained in the FCRA, they are in FULL violation of my rights. 

Please help! 
Respectfully, Criminal Offender : XXXX XXXX, XXXX XXXX FLORIDA XXXX XXXX XXXX ( XXXX XXXX, XXXX, Florida ) contains partial documents ; remaining documents ALSO furnished to above creditor. Thank you.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX , with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 

This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I noticed fake accounts on my credit report that are impacting my ability to get credit.
Product: Debt collection

Midland Credit Management LLC hasn't responded to my request for Validation of the debt that they claim is mine.
Product: Credit reporting or other personal consumer reports

1. Accounts in Dispute : Account 1 : Comenity Capital Bank / XXXX Comenity Capital account # XXXX Account 2 : Comenity Capital / XXXX account # XXXX I have reviewed my credit report and identified several errors related to the above accounts. Specifically : Account 1 : [ balance reporting is inaccurate past due date also. ] Account 2 : [ balance reporting is inaccurate past due date also each credit reporting agency has these accounts reporting different an incomplete information ] 3. Legal References : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681i ( 5 ) ( B ) : This section mandates that if an item of information is disputed, the credit reporting agency must provide the consumer with written notice of the dispute and must also ensure the information is not reported without proper investigation.

15 USC 1681c-2 : This provision stipulates that any information that is not substantiated or verified should be removed from the credit report. It also outlines the requirements for reporting accurate and complete information. 

BELOW IS FTC REPORT IF YOU DONT WANT TO BE HELD ACCOUNTABLE FOR EACH VIOLATION THATS XXXX per violation delete accounts
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

My recently deceased adult daughter who was still on my medical coverage went to the dentist last year ( XXXX ). The dentist office, reported it to my credit instead of hers. Despite never receiving a bill. 

I'd moved to XXXX from XXXX  with a new number and never got a call or letter about an unpaid balance. When I recently moved back to XXXX and applied for a car loan on XX/XX/XXXX, I was denied due to a collection. I called the original creditor listed and was advised that that the bill was from my daughter and explained that she had passed away. The receptionist even stated that I'd never missed a bill and she was shocked. 

Since I intended to return to the dentist now that I was back in XXXX, I paid my daughter 's balance of XXXX {$200.00} on XX/XX/XXXX. I called the collection agency reporting the debt, Carter-Young Inc of XXXX, Georgia on XX/XX/XXXX and reported that I'd made the payment directly to the dentist and that the bill was not mine in the first place and should not have been reported on my credit bureau. 

I waited a week, until XX/XX/XXXX to call the dentist office back and asked about it not being removed from my credit bureau reports. On, XX/XX/XXXX I got alerts from each of the credit bureau monitoring programs I'd signed up for after the denial, that the account had been updated as unpaid. 

I called the dentist office on XX/XX/XXXX and she confirmed that the doctor had indeed gotten a response back from the collection agency that it was removed. I called the collection agency back and again I told them that this debt was never validated with me as the patient instead of my daughter, I didn't accompany her nor sign any documentation for that visit. I advised that it should not have been reported and was told it " should have because I should have paid it ''. I advised that I'd be filing a complaint and was told that the account was reported on XX/XX/XXXX to the credit bureaus, that they received confirmation from the dentist office on XX/XX/XXXX that it had been paid and not my account. I then asked, so why report it on the XX/XX/XXXX as not paid? 

They've had the receipt information and still reported an invalid debt on my credit report after notification from myself and the original debtor. I was told if I report it or dispute it that it would take longer.
Product: Debt collection

On XXXX/XXXX/XXXX my employer received a phone call from XXXX asking to speak with me. I was not working that day and when I did return to work they gave me the # and said the caller asked that I contact them right away. When I called I was told that they were attempting to collect a debt and that if I did not pay asap they would begin proceedings to have my wages garnished. They stated there was a judgement against me in the courts and that I would have to pay or make payment arrangements within 1-2 days. I told them I would need to call them back. They next called me directly on Friday, XXXX/XXXX/XXXX, and again asked me to make a payment. They offered a " settlement '' of a lower amount for which they claim I owed. I asked to have the offer sent to me in writing and provide 30 days, they told me I did not have 30 days but they did say they would email a copy of the judgement and put the offer in writing. I advised them my wife would call them back on Monday. They called me on Mon morning, XXXX/XXXX/XXXX to ask when I could make a payment. I told them my wife would call soon. My wife called XXXX XXXX Mon, XXXX/XXXX/XXXX to ask questions. They did not send me any details via email but they told her I did, they attempted to bully her into payments but she asked for the case #, etc. It turns out they were using a judgement in the name of XXXX XXXX XXXX XXXX and were attempting to collect more money than the judgement was for. They connected her and the courthouse which backfired on them as she learned she could make payments to the courthouse. She called my wife after the phone call and asked how she wanted to pay- my wife responded- to the courthouse. The woman told her she did not have time if we wanted to take the " offer '' my wife said put your offer in writing and provide 30 days and they refused. They still claim they emailed the details the previous Friday which was a lie. This companies name turned out to be Nations Recovery Center Inc in XXXX GA. The sad part of this scenario is that the original debt was related to a PREPAID credit card company- XXXX ( yes prepaid! ) that was paid down to a XXXX balance and was asked to close the account. They did not and continued to charge fees month after month until it reached an astounding amount ( over XXXX )!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I notified Experian more than 3 times about Credit Inquiries reporting on my credit report in error. I never even receive a response. 

I have attached a current Experian report dated, XX/XX/XXXX. Experian is still reporting 2 Hard Inquiries past the removal date. Those Hard Inquiries are for XXXX and XXXX. The inquiry for XXXX is dated XX/XX/XXXX, and the inquiry for XXXX is dated XX/XX/XXXX. These are both past the 2 year reporting dates. ( See Exhibit 1 ) Also, Experian is reporting a Hard Credit Inquiry XXXX XXXX XXXX that is not correct. The XXXX inquiry is dated XX/XX/XXXX. I never provided consent for XXXX to do a hard inquiry. I provided consent for a soft inquiry. I contacted XXXX and they said they are not sure why Experian is reporting a Hard inquiry because they do not even report to Experian. The email attached and dated XX/XX/XXXX, is proof that XXXX notified Experian about removing the hard inquiry. ( See Exhibit 2 ) However, Experian is still reporting the inquiry in error.

I am asking for the 3 highlighted hard inquires to be removed immediately as provided by law. ( See Exhibit 1 )
Product: Debt collection

Continued calls on Sundays. I have asked not to call me on Sunday, if they need to speak with me, plus, I provided my landline telephone to call and or leave a message. On Sunday XX/XX/20XXXX XXXX  XXXX and XX/XX/202XXXX XXXX XXXXXXXX are the most recent Sunday calls. My payment are due on the XXXX of the month, I mail my payments because I am blocked logging into my account. Payment was made and email received from company. I receive calls, continuously after I payment is received and processed. This must stop. 

When I am in church and at work my phone rings from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job with XXXX. When I received a copy of my background check, a charge from last year ( XXXX XXXX ) that was thrown out / dismissed is showing on the report as if its ongoing which now eliminates me from being offered the job.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I am the person making this complaint & I give CFPB authority to investigate this claim. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 

Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Date XX/XX/2020 ;
Product: Money transfer, virtual currency, or money service

My information was use that I did not give authorization
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Alexander rose per the address listed on my credit report and the letter sent just info about dates of the collection. Did n't even read what I sent or cared. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Product: Credit reporting

I have submitted many claims to Experian with regards to this XXXX account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to XXXX and to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital one ; For every statement bring a couple attached to send the documents statement every month. Also, every statement shows you how to do the payment with the coupon. When I try the first payment with both of my cards, they close both of my accounts without my consent. Im doing that for the last two or three months, I be sending the coupon by mail with tracking labels and everything, but they get all the mail from me and they arent processing them. I have two accounts with them. Also, they took my rewards balance without adding the balance back to the account. Meaning, stealing my points ( balance ) for both of my accounts. Can you please help me? Thank you
Product: Credit reporting or other personal consumer reports

Account not mine, never done business with this company and I told them that, and now I have submitted police report and trade commission report 15 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. 
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!
Product: Debt collection

On XX/XX/2019, I contacted Tek Collect by phone XXXX to pay a debt that is listed on my credit report. I asked to have the debt removed from my credit and advised XXXX XXXX " supervisor '' that I would be paying the debt by credit card. XXXX stated the debt would not be removed if I paid it by credit card it would ONLY be removed if I paid it by certified check or money order. XXXX stated that if it was paid by credit card that it would be reported to the credit agency as paid in full in about 45 days but refused to remove even though it was paid in full ; however if I paid it by cash it would be reported as paid in full and removed from my credit right away. After contacting your office I called Tek Collect back, spoke with XXXX again and asked for validation of debt ( stated she does not have ), debt collection professional ID ( stated she does not have ), but did give company street address of XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This agency is threatening to remain a burden on my credit even though I am requesting to pay the debt in full because I won't give them " cash. ''
Product: Credit reporting or other personal consumer reports

WHERE DID YOU GET THIS NAME FROM? IT WASN'T SUBMITTED BY ANY CREDITOR THAT I DEALT WITH RECENTLY, AND IT WASN'T THERE BEFORE! THAT IS NOT MY NAME!! THIS SUDDENLY APPEARED ON MY CREDIT REPORT THIS MONTH AND YOU'RE THE ONLY BUREAU SHOWING THIS????? REALLY????? AND DON'T YOU DARE SEND ME ANY LETTERS DEMANDING THAT I ID MYSELF! I'VE DONE IT HERE! YOU ADDED THAT NAME TO MY CREDIT NOW REMOVE IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX I called the company phonetic financial services and was told that this debt was from XXXX  I was not living in Florida in XXXX so I have no idea what this bill is from. I have absolutely no knowledge of this account and would appreciate it being moved. Im addition I feel it is a hippa violation and embarrassing to have this on my credit report. 
I have no idea what the charges are for and was never notified. I fear this may be fraud.
Product: Debt collection

shellpoint mortgage should be finding out whos my lender, also the debt thats accuring on my mortgage, is from identity theft caused by inflation and covid 19. income do not match pandemic. this is inequality.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to company via mail XX/XX/2020 in regards to incorrect reporting on my credit reports though credit bureaus are reporting the creditor verified the account. Reached out to find out how the creditor verified the account and requested documentation of the investigations. 
The company never replied, though they are not following METRO 2 reporting protocols.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you