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

After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like XXXX, Experian and XXXX, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information.

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 
I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like XXXX, Experian and XXXX aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}
Product: Credit reporting or other personal consumer reports

I recently went over my credit reports, and I noticed several incorrect and fradulent accounts on my credit file and I had to report that I've been a victim of identity theft. I Locked my credit file and disputed the items listed BELOW I am not liable for this debit. I do not have or never held a contract with the creditors Listed below after requesting information from creditors, they did provide me with the original contract as requested per 15 USC 1681a2 I did not give verbal or written permission have these accounts furnished on my credit report. After disputing this through XXXX they still never sent me proof and XXXX, Transunion, XXXX still presents these negative items on my credit report. 

According to Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I asked for verifiable proof of the original consumer contract signed by me in agreement that I would pay said debtors for each of these collections account and still haven't receive any communication from either one. Listed below are the inaccurate collections accounts I want removed. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also there are negative charge offs on my credit file that I have disputed as well these are bringing down my XXXX XXXX and costing me thousands in interest yearly these companies listed below have canceled out said debit however company has filed it on their taxes as ordinary income loss but they are also reporting it on my credit report as debit this is INACCURATE REPORTING also they have never sent me a XXXX cancellation of debit so that I can also file this on my taxes as ordinary income this is a violation of 15 USC 1681eb which states that the consumer report must be the maximum of accuracy. 


I WANT XXXX TRANSUNION AND XXXX TO REMOVE THE COLLECTIONS ACCOUNTS AND CHARGE OFF ACCOUNTS FROM MY CREDIT REPORT THAT IS NEGATIVELY AFFECTING MY SCORE AND COSTING ME THOUSANDS IN INTEREST YEARLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction of my Credit File from fraudulent information by having the fraudulents items removed from my Credit File. I have been sending dispute letters and CFPB Complaints to the Credit Bureaus and yet the Credit Bureaus have sent me nothing. I am executing my Consumer rights under the Fair Credit Reporting Act section 605b, which requires the Credit Bureaus to remove the disputed accounts and information from my Credit File that resulted due to identity theft. Also, the Credit Bureaus have been claiming that the disputed are verifed and are accurate per Creditors ' verification. However, the Credit Bureaus failed to send me copies of proof of verification from the Creditors. I believe that the Credit Bureaus have not done any investigation since they have failed to send me documents that I have been requesting fo quite a long time. This action of the Credit Bureaus is a clear violation of a consumer rights! If the Credit Bureaus do not comply with the reqyests, please understand I will initiate a lawsuit. Once again, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted  XXXX  asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you
Product: Debt collection

Jefferson Capital System has reported to all three credit bureaus and outstanding debt of XXXX. I have never signed a contract with, had any business dealing, nor do I owe Jefferson Capital System. Jefferson Capital System has harassed with phone calls and direct mail, to which I don't know how they obtained my address. I have disputed this with all three bureaus, stating that this is not my account and I am not responsible for this debt. I have not had any success with getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Equifax Cybersecurity Failure Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting or other personal consumer reports

These late payments are inconsistent with my usual payment history.
Product: Credit reporting or other personal consumer reports

Due to a data breach involving all three major credit bureausEquifax, Experian, and TransUnionmy personal information was compromised. As a result, my sensitive data has been exposed, putting me at risk of identity theft and fraudulent activity. To protect myself and restore my financial security, I need to clear my credit report of all existing accounts and inquiries associated with this breach.
Product: Debt collection

Have no clue who XXXX XXXX XXXX is and where they are located. I have not been to a Dr . Prior to this month for at two years. Was questioning if this bill really could be for me? Did not pay because I really have no clue what this for.. need more info
Product: Debt collection

i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX.  they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX
Product: Credit card

apple card i have since closed this card for lack of help from goldsackmans apple Mastercard to rectify this issue the late payment was XXXX ... ... XX/XX/XXXX APPLECARD GSBANK PAYMENT XXXX XXXX XXXX XXXX {$70.00} ( my bank info ) i tried to rectify this with them via texting on XX/XX/XXXX to no avil. I never at any time receive a usps mail about this bill i asked if they had my address they stated they did. i also have a almost perfect payment record and would never not pay. I would like to have this late payment removed from my credit report please
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX Inquiries : XXXX XXXX XXXX  XXXX  VIA DEALER XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Debt collection

This is not my debt. I did not live or sign a lease after 2020. They have me owing for an address I never lived at. This is fraud. I have made numerous complaints with the apartments. They are not responding. I filed a police report and FTC complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to Equifax ; XX/XX/XXXXand XXXX that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND OPEN A CREDIT CARD ACCOUNT IN ATTEMPT TO CREATE MORE CREDIT LINES
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, TransUnion, and XXXX to reinvestigate this account. However they stated everything was complete and accurate. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Also this account is not even in compliance with metro 2 credit reporting. I have the evidence to prove my case.
Product: Credit reporting or other personal consumer reports

violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... .XXXX XXXX XXXX XXXX. Account XXXX XXXX ... Account Name .... XXXX XXXX XXXXXXXX ... Account # XXXX ... Account Name .... XXXX XXXX XXXX ... XXXX Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ... Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX ... Account Name .XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX ... Account Name... XXXX  XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXX XXXX  .... Account # XXXX .... Account Name .... XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX XXXX  .... Account # XXXX. 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions .... 15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 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
Product: Debt collection

My name is XXXX XXXX XXXX, a federal protected consumer, and I am making this complaint against Midland Credit Management INC for committing identity theft. I have never Midland Credit Management Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt with MIDLAND CREDIT MANAGEMENT INC Inc and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/2024, I have not received documentary evidence, such as a trilateral contract, Midland Credit Management INC any right to colect on this alleged debt. 

I have never received any documentation requesting validation from Midland Credit Management INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Midland Credit Management INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidenc that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management INC continue its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. ACCOUNT # XXXX
Product: Credit card or prepaid card

I was supposed to receive a pre-paid credit/debit card for {$2000.00} for a rebate on the purchase of new appliances through XXXX XXXX. My rebate email status told me a card was to be mailed in XX/XX/XXXX and received sometime in XX/XX/XXXX. XXXX XXXX XXXX, then sent the prepaid card to an address that was not listed on my rebate in any fashion, to a residence that I did not live. In late XX/XX/XXXX or early XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about the status of my card, as I had not received it. The customer service rep indicated they could send a check, but it would take 2 weeks. I have now waited for 6 weeks, with 3 follow up phone calls and a {$2000.00} card or check has not been received. On XXXX XXXX, I asked that the company send the funds directly to my bank via ACH or XXXX, they declined and wanted to take another approach. The customer service Manager said she could issue a stop payment on the check ( a 3-5 business day process ) then issued a new check with and send via certified mail ( 4-7 business days ). 

In short, I am fully entitled to a rebate of {$2000.00}, but XXXX XXXX XXXX has been unwilling to work with me on a timely solution.
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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

I am a victim of identity theft I submitted a police report. I have never lived in XXXX XXXX Nevada. I have been at my residence for over 13 years. This debt was to a XXXX XXXX  and it has went through a few collection agency this collection named Creedence and I continue to tell them this is not my debt. I did not sign did not give anybody permission Again, I have never lived in XXXX XXXX, Nevada
Product: Credit reporting or other personal consumer reports

When citibank sent me a new card XXXX started showing that account as being closed. When I noticed that I disputed the status with XXXX. Now XXXX is telling me that the account has been deleted from their system as per Citibanks request. I've contacted Citibank several times and I've contacted XXXX several times and they both point the finger at the other. Meanwhile I'm stuck in the middle with a credit report that's not accurate. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXX # XXXX. 
Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX, XXXX and Transunion are reporting inaccurate, fraudulent and false information on my credit report. I will list the following accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By these credit bureaus listing inaccurate and fraudulent information and isn't 100 % correct is a direct violation of the FCRA