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

I FILE A DISTUPE WITH TRANS UNION ABOUT ACCOUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX HARD INQUIRES. WITH XXXX XXXX XXXX I FINANCE A CAR FROM THEM I WAS CAR JACKED MY INSURANCE PAID IT OFF XXXXXXXX XXXX GAVE ME A LEIN RELEASE AND TRANS UNION HAS NOT REMOVE THE XXXX DOLLAR DEBT. WITH XXXX XXXX THEY REPERSENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFTER 4 YEARS I GOT EVICTED JUDGE SAID I OWE XXXX XXXX REPORTED XXXX I SENT JUDGEMENT TO TRANS UNION TO UPDATE TO XXXX THEY REFUSE. I SUED XXXX AND THEY FORGAVE ME FOR THE WHOLE BALANCE AND ASK XXXX TO REMOVE BALANCE TRANS UNION SHOULD HAVE DONE IT FIRST I HAVE 4 BRANKRUPITES REPORTING DISMISSED I ASK THEY BE REMOVE TRANS UNION HAS REFUSE I HAVE 4 HARD INQUIRES THATS NOT MINE I FILE POLICE REPORT TRANS UNION HAS NOT REMOVE I FILE LAW SUIT AGAINIST TRANS UNION XXXX AND XXXX FOR VIOATION OF FAIR CREDIT ACT I HAVE SETTLE WITH XXXX AND XXXX THEY HAVE REMOVE ALL ITEMS AND PAIDED ME XXXX A PIECE CASE NUMBER IN FEDERAL COURT XXXX TRANS UNION HAS NOT DID ANYTHING THEY ATTORNEY XXXX XXXX AND XXXX XXXX HAS INGORE ME AND HAS LIED TO ME THIS IS MY SECOND TIME SUING TRANS UNION U GUYS HAVE FINE THEM FOR MISLEADING MARKTING CREDIT SCORES HAD THEM PAY PENATIES FOR REPORTING EVCTIONS WRONG WHICH IS SOME MY LAW SUIT I NEED U GUYS HELP THEY DO NOT RESPNDED TO ME.
Product: Credit reporting

Equifax failed to report correctly and after multiple disputes and investigations, they have always come back to the same conclusion without investigating and are slow to even help me with my issue over the phone/writing and now this complaint. My last complaint i made to them, I 've told my side of the story, it came back twice that debt was mine from Equifax and they also sent me a free credit report but was still reporting. Finally the Original Creditor took it off my report because it was FALSE, but as an example, Equifax was no help prior to that. 

My issue this time is the same. They are reporting that i have an Open account with XXXX. I DO NOT, and this has been dragging my credit scores down for over 5 years now. They need to take me seriously and take this off of my report. I have personally found every piece of evidence that i do not have a loan open with santander. 


I have reported my issue with XXXX ( XXXX ), i have written a letter to contact my XXXX representative and Senator, and I 'm now writing to CFPB for more help. Both XXXX and XXXX have helped me very quickly because it 's obvious. Equifax will need to fix my issue immediately. I have finally found every piece of evidence to prove to CFPB and if i get denied again, ill will take further action. 

I have attached my equifax report on XXXX. It shows its an open loan and is still paying. This is account is PAID AND CLOSED. this account was joint and i was not even sent bills nor paperwork. I have never lived at the las vegas address that is listed from XXXX. I did not sign anything for XXXX. Name says " PRIMARY = XXXX ''. Equifax have also failed to change my info. My middle name is spelled wrong. This goes to show, XXXX and Equifax did not make a good enough job when i was added as a co applicant or going through paper works. 

i have attached a bill that says last payment which is XXXX balance on the loan in 2012 but how is Equifax reporting that its open and still being paid? Equifax has been ruining my life and credit score over this and it needs to be fixed. Many Fair Trade Acts are being broken here and i time in the next couple of months to go as far as i need with this.
Product: Debt collection

This company has violated my consumer rights and continue to attempt to collect on a debt by reporting it to my consumer credit report, when I do not owe any debt to this company or the original creditor and the statue of limitation is past XXXX years to collect on this debt. Regardless if they are a third party, the same statue of limitation applies. The clock does not restart when the debt is transfer or sold to another collection agency. These are the following consumer laws I know they are violating for sure : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), not been given a chance to dispute an account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Debt collection

I've sent the below to both c/o companies and neither provided me with the valid information requested. I NEVER received any VALID documents requesting my presence in court. This should be against the law to now 4 years later send such foolishness to any courts to SUE me. I would never not respond to any court order this is just illegal and certainly damage to my credit file and working privacy the way that both entities have handled this. 

XX/XX/year> XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX and Midland Credit Management XXXX XXXX XXXX Verification Request Account Number : XXXX ( {$1200.00} Charge Off ) and XXXX ( {$2000.00} Charge Off ) To Whom It May Concern, I am writing to formally request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is not a refusal to pay but a request for clarification and proof of the debt you claim I owe.

Under the FDCPA, I am entitled to receive detailed information about this debt, including : 1. Verification of the debt : Proof
that I am the individual responsible for this alleged debt.

2. The original creditor 's name and address : Documentation clearly identifying the original source of the debt.

3. The amount of the debt : An itemized accounting of the total balance, including principal, interest, fees, and other charges.

4. Evidence of your authority to collect : Proof that your agency has been authorized to collect on this debt, including any relevant contracts or agreements.

5. A copy of the original contract or agreement : If applicable, provide a copy of the contract or agreement I allegedly signed, which demonstrates my obligation to repay the debt.

Additionally, under 15 U.S.C. 1692e ( 4 ), you are prohibited from using deceptive or misleading practices in your collection efforts. Until the debt is fully validated, I request that all collection activities related to this account cease immediately, as outlined in 15 U.S.C. 1692g ( b ).

Please note that I am requesting all communication regarding this matter be conducted in writing and sent to the address listed above. If you can not provide the requested information, I expect you to cease collection efforts and promptly notify me in writing of the closure of this account. 

Failure to comply with these requirements may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of 30 days from your receipt of this letter. 

Sincerely,
Product: Debt collection

From Friday, XXXX XXXX, 2016 until Friday, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX and Her True and Lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) has made it crystal clear via faxes sent and eighteen phone call conversations with CALIBER HOME LOANS, INC., during the timeline as stated above that XXXX XXXX XXXX has been deceased for approximately three years and eight months, and secondly, the property that CALIBER HOME LOANS, INC., is attempting to attach to CALIBER CONDUIT ACCOUNT NO. XXXX, is not and has never been property that was or is a part of THE ESTATE OF XXXX XXXX XXXX. ( open first " XXXX Attachments. '' ) CALIBER HOME LOANS, INC., was also clearly notified on Monday, XXXX XXXX, 2016, via a " GENERAL POWER OF ATTORNEY '' that no USPS mail or any other mode of mailing shall cease and desist from being shipped to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, but CALIBER HOME LOANS, INC., has now violated the FAIR DEBT COLLECTION PRACTICES ACT twice by shipping USPS mail to mailing address as stated above, instead of following what the GENERAL POWER OF ATTORNEY clearly instructs, which is to mail to XXXX, XXXX XXXX XXXX, c/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. ( open " Fourth Attachment. '' )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX I am not a third party company disputing. I am in fact the natural person and consumer disputing this on my own and the companies that I am disputing is AVANTE USA, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX. I am a senior citizen I have no applied for any credit card in the past 5 years, I noticed that I have a few credit card accounts listed on my consumer report. It seems to me that my information was leaked in several breaches to be exact. XXXX Breach, and several other breach which caused a few thieves to place card accounts on to my consumer report. I have no knowledge of the accounts of XXXX XXXX 's. The account AVANTE USA, XXXX XXXX that is in fact questioning is based off of HIPPA violation. I did not give any anyone any consent nor written consent to furnish any personal medical information this is a major violation of and you could be held civilly in a federal court room. I advise that you remove this debt by Friday by XXXX. If it is not removed permanently and immediately I will pursue litigation in the coming week. By law you can not furnish personal medical information. Unauthorized release of information. Improper disposal of personal record. These are all violations that you have committed and is forgery. This is a criminal act. With HIPAA violation fines reaching up to {$50000.00} per occurrence and a maximum annual penalty of {$1.00} XXXX per violation, it's important for medical practices to ensure they are HIPAA compliant at all times. And while all possible HIPAA violations should be considered potential threats to your medical practice, some are more common than others.
Product: Debt collection

XXXX open XXXX XXXXXX/XX/year> balance : {$990.00} I DO NOT OWE THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I paid off a credit balance that is listed on my credit report ( I didn't close the account, just paid it off ). This had the effect of lowering my credit utilization which is supposedly a good thing. However, as a result of doing this, both XXXX XXXX and Equifax report the account is paid, but as a result, they both lowered my credit score. I've tried to contact both agencies with little success. I was able to file an online dispute with Equifax, which they have acknowledged but not responded to as of yet. However, I have been unable to do the same with XXXX XXXX. Their web site for initiating a dispute doesn't work, and if you call them, you just sit on hold forever - so far XXXX hours in my case. Hence I would like to file a complaint about XXXX XXXX at least.
Product: Credit card

When I first got the card I was offered a hardship program for which I enrolled then after having the card they said I cant use the hardship program until 6 months later I was not told that in the beginning of me receiving the card otherwise I would not have got the card the representative told me misleading information I will like this removed off my credit report
Product: Credit card or prepaid card

First off, I have NEVER applied for, nor do I have any account associated with Chase Bank. I first received a letter telling me that some purchase on my account was suspicious and I needed to contact the bank in order to protect my account. I did call and became suspicious when they started asking me personal info like my birth date and SS number. I provided neither. A few days later I received a letter stating I could no longer use the account because I did not provide the information requested. A few days after that I received a card that needed activation for the account. The problem is I have never applied for an account. They spelled my name wrong and they used my grandparents address and not mine. I know this is all a fraud but I need to be certain they haven't affected anything else having to do with my credit.
Product: Credit reporting or other personal consumer reports

Dear Sir or Ma'am, I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. It was for a XXXX XXXXXXXX silver card for the amount of {$1000.00}. I did not open or authorize this account, and I therefore request that it not only be closed immediately, but also the credit inquiry that was placed on my credit reports be removed also.
Product: Credit card or prepaid card

By XX/XX/XXXX I have it on my account two balances a Loan ( flex Plan ) for XXXX ( 60 monthly payments ) Promotional Balance ( Purchases ) for XXXX at the moment to make the payment the system give me the folloqing option to pay " Option 2. This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in future months '' I selected that option and paid a total of XXXX, the payment was applied totally to the Flex Loan By XX/XX/XXXX I Made two purchases under the same option ( Flex ) One for XXXX and other for XXXX. ( both to 6 monthly payments ) I returning the XXXX purchase and instead to cancel that balance the returning balance was applied one more time to the higher amount with the longest payment period I has been charged for interest in all those errors I has call 4 times with an average of wating time over an hour. to get the last answer about to call my lawyers so this is my first step and i hope get your help
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus were unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to experian, XXXX and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute four inquiries on my Experian credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 1. Inquiry by XXXX XXXXXXXX XXXX  on XX/XX/XXXX 2. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 3. Inquiry by XXXX XXXX XXXX on XX/XX/XXXXXXXX 4. Inquiry by XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXXXXXX XXXX XXXX  I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX or XXXX XXXX XXXX on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Experian take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Experian credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXEquifax Consumer Report Agencies is in Violation of the Congress Code : 15 U.S. Code 1681a ( 2 ) Ai ( Exclusions ) : report containing information solely as to transactions or experiences between the Consumer and the Person making the report. 

The Consumer which is me and the Person is the organization. XXXXEquifax Consumer Report Agencies is not permitted to report ANY late payments, payments that lead to being a Charge off / collection on my consumer report. 

I repeat this code DOES NOT include transactions and experiences between me ( the consumer ) and person ( organizations ) allowed to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15usc6508. per Per the FCRA as a federal protected consumer. I am now opting out of any and all authorizations. I the consumer my have given your written and Unwritten Verbal or non-verbal per 15usc6802.

Fair credit Reporting Act 1974 15usc1681, 15usc1681a, 15usc1611,15usc1602,16cfr 313.6, 16crf 313.7 ,15usc1681,17cfr424,5usc522a, hjr192,15usc15usc1692a,15usc1692 ( 2 ) 15usc1692e ( 2 ) ( a ) 15usc1681 ( 6 ) ( a )
Product: Debt collection

XXXX/XXXX/XXXX {$1100.00}, I Called the company that showing on my credit report to find out what this is and I would told them I was treated at XXXX XXXX and that the i owed this amount I told the agent that I was not in the hospital, and this is not my debt and i would like to have this removed from my report because it is taking my score down. One Advantage LLC, XXXX
Product: Mortgage

This company is doing fradulent activities. They sign disclosures for borrowers on their own. They ask you for the login and password to acknowledge CD if you are unable to do it yourself online.