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

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, Says status is Closed but reporting late payments, Also says charged off on other accounts.

My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions. 

This is grounds for removal and I would appreciate it if this accounty : XXXX XXXX XXXX was deleted
Product: Credit card

I received a letter from Citibank on XXXX XXXX, 2016 informing me that they had closed my Citi XXXX credit card. The letter stated no reason as to why the account was closed other than " we have a right to close the account '' nor was there any number to call. The only way I can contact them regarding the letter was to send a letter to their XXXX XXXX in XXXX XXXX, SD. I then received XXXX more letters within a week of the first stating that XXXX other credit cards issued by Citibank had been closed also. Again, no reason was given. I have never had a single late payment on any of the XXXX credit cards in the entire time I have had them nor has any payment been returned ever. In addition, I had accrued {$1700.00} rewards on my Citi XXXX XXXX credit card and now I am told I am not able to redeem those rewards since my account had been closed. As far as I know, I had not violated any terms of the agreement so I am entitled to those rewards. Those rewards were earned while my account was open and in good standing. I sent a certified letter to the Executive office dated XXXX XXXX, 2016 asking for a reason as to why my account was closed and as to how I can redeem my rewards. That letter was received by their office on XXXX XXXX, 2016 and signed by XXXX XXXX. As of the date of this complaint, I still have not received a response from Citibank.
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$1100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a hard inquiry listed which was not authorized by me. I do not have any knowledge of this company or why it's being reported on my credit report.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have contacted AutoTrakk in writing and have asked them to validate the alleged debt that they assume that I owe. I have also sent AutoTrakk a cease and desist and told them to cease all forms of communication with me through any and all mediums. Not only has AutoTrakk not responded to my request of them to validate this alleged debt, but they also continued to contact me even after I demanded them to cease all forms of communication with me which is in violation of 15 USC 1692c. ( c ). AutoTrakk is also in violation of 15 USC 1692g because they continued to attempt to collect on this alleged debt after I notified them in writing that I am disputing this alleged debt. Attached you will find their attempt to collect on this alleged debt on, XX/XX/2021. I have also attached a copy of the debt validation/cease and desist that I sent out on XX/XX/2021. I have also attached my return receipt which verified that AutoTrakk has in fact received my letter on XX/XX/2021. AutoTrakk has also continued to violate my rights by reporting this invalidated information to my consumer reports after receiving my letter in writing, which is an act of fraud. Due to the fact that AutoTrakk has completely violated my rights, under the FDCPA and FCRA. I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports Please advise this is NO LONGER a request for validation, being that AutoTrakk has violated my rights and continued to harass me while causing a substantial amount of harm to me as a consumer. This is NO LONGER a request for validation but a request for REMEDIATION. So again, I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports
Product: Mortgage

Ocwen Loan servicing has now sent me another set of duplicate responses to my previous claim in which I requested that Ocwen send me copies of the document they say they filed with the County. 
It really amazes me how a financial situation can openly mock the system. 
Ocwen has sent me a release that was issued against a different apartment I owned up until XX/XX/2015. Which by the way, the crook investors Ocwen represents, grossly took away from me. 
Now investor and/or Ocwen wants to claim that that is the document they filed for apartment XXXX??????
Product: Credit reporting, credit repair services, or other personal consumer reports

These account do not belong to me, please block and remove according to 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. 

I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. 

The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

If my pleas for justice continue to fall on deaf ears, let it be known that I am prepared to take drastic measures to protect my rights. I will not hesitate to enlist the aid of legal counsel to ensure that your bureau is held accountable for its negligence, the damage to my financial standing, and the immense emotional distress this ordeal has inflicted upon me. 

I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they warrant. 

My distress and anger are immeasurable, but so is my resolve to see justice served.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I could no longer afford the monthly payment I called and they refused to work with me at any level. They harassed me by phone and emails they called at least 6-7 times a day and approxmentaly 7-8 emails a day if not more. On XX/XX/XXXX I gave them a cease and desist letter which they have ignored. on XX/XX/XXXX they turned this account over to XXXX XXXX XXXX XXXX in new York I gave them a copy of the cease and desist letter and warned them of what could happen and now they gave my information to XXXX XXXX XXXXXXXX they continue to ignore the cease and desist letter I wrote another cease and desist letter XX/XX/XXXX warning them of the legal ratifications I will take.
Product: Mortgage

XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, we had a pipe in our master bathroom break. It flooded our master bath, our bedroom, the entry way, dining room and bar area. We called XXXX as our XXXX XXXX XXXX representative suggested. They came out and cleaned up the mess. They billed us for {$3200.00}. XXXX XXXX cut a check payable to XXXX and Selene Finance ( our mortgage company ). Since then, we have complied with all the requests of document ( which I will attach ) Selene Finance has asked for. They continually, lost, or misplaced docs and we had to resend them. XXXX also had to submit documents multiple times. After sending the docs they requested, they always then tell us that they need something else to release the funds to XXXX. Selene Finance refused the lien release that XXXX sent, and insisted on having their form instead. Each time we submitted additional documents, they had to go to a review panel, taking over a week to see if they would accept them. They even sent our an inspector to verify that all the mitigation work was complete. Finally, they admitted that they had everything they needed and we were to have XXXX send in the check. They did, but Selene Finance called me saying they were returning the check to me because it was not endorsed by XXXX. I told them that they should endorse the check and return it to XXXX since they are the ones that are owed the money. They refused saying it is not their policy to do that. After calling many times, they now say that they are rolling the mitigation into the repair and they will not release funds until 25 % of the work is complete. They state that mitigation is only % 15 of the work. We have not even started rebuilding. And we have a separate check for the rebuild. They are not reasonable. XXXX provided a service for us over 6 months ago. My insurance company paid for the services and our mortgage company is holding us hostage. They are not working in good faith. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022. I was notified of charges on my Sear Shop My Way card. {$660.00} was charged on account XXXX. The account was closed and a new card issued ending in XXXX for {$1500.00} and {$240.00}. I have tried several times to contact the Fraud department with no help or resolution. Today XX/XX/2022 that they could not help me because the account was closed for fraud. I am a victim of identity theft and have been trying to file a police report in XXXX, Mi and they are the reason I can not.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

on Saturday XX/XX/XXXX I received an E-mail from Navy Federal stating "Member to Member" access was successful to a person named XXXX XXXX XXXX a person I'm not familiar with. I immediately contacted Navy Federal and told them this was unauthorized and the transfer was unauthorized too.......The representative changed all of my accounts restricted my online access. I was told nothing more could be done due to the fact this was during the holidays and the fraud department was closed and I needed to visit the local branch on Tuesday XX/XX/XXXX....I went to my local Navy Federal bank of which I was then informed I could not file a fraud claim until Wednesday because the transaction was currently "Still Pending" and there was still a possibility the transaction could be denied and my funds could be returned... needless to say the transaction was posted on Wednesday....I immediately called Navy Federal and reported my claim to their fraud department...The representative suggested that I file a police report...of which i immediately did....I needed some other information from Navy Federal so I went to my local Navy Federal and the young lady told me I should have half of my money by the end of the day or two....so I called Navy Federal today the representative informed me they HAVE NOT turned my case to a fraud investigator and they DO NOT give credit in "These Types Of Cases" and it will take up to 10 days to "Investigate" and if it is "Approved" they will give me my money back.... My issue with isA: THIS IS NAVY FEDERAL'S FAULT; because it happened "Internally" a member of THEIR institution stole my money and transferred My money from my Navy Federal account to their Navy Federal accountB:I INFORMED NAVY FEDERAL as soon as the issue was brought to my attention and I have FULLY cooperated with them and they allowed the member to keep my funds in spite of them having knowledge the transaction was fraudC: THE LACK OF URGENCY when it comes to my account being hacked and the LACK OF CONCERN with the fact that I DO NOT HAVE ANY MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of Experian,  XXXX  and   XXXX   XXXX  .
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As of today,  XXXX   XXXX , 2017, I have not received a copy of my credit report from any of them this year.
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I am applying for a mortgage and must get copies of my credit reports.
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Please force each of these credit agencies to send me a copy of my credit report without further delay.
Product: Debt collection

I recently disputed a charge off on my credit report stating that as it was a charge off, it should not be on my credit report as charge offs are considered income according to the law and income can not be reported on my credit report, it must be reported to the irs I received a letter from Radius Global Solutions llc which I will upload. I then called the number on the letter asking them to confirm that they are in fact working for XXXX XXXX. I asked the same question repeatedly and was told that yes they were in fact working for XXXX XXXX. When I asked for this in writing in the form of an email, I was told that the information requested was in the letter, which it is not. 
It just states that the original creditor was XXXX XXXX I have included XXXX XXXX in this complaint because if they indeed sold my debt onto a third party, then they have breached my rights and the words on their own contract stating that they do not sell personal information to third parties
Product: Credit reporting or other personal consumer reports

In XXXX when XXXX and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge XXXX never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. 

I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which remains unresolved despite my repeated efforts to rectify it. The presence of these unauthorized items has caused me considerable distress and XXXX significantly impacting my daily life. I must emphasize that I never gave permission for this information to be associated with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and found unverified and unvalidated items being furnished. It is against the law to furnish anything that has no proof of concrete evidence. Please see attachment.
Product: Checking or savings account

I would like to see this case re-opened! American Express is in possession of all documents that were originally submitted. According to XXXX, Funds in an American Express Personal Savings account are insured by the Federal Deposit Insurance Corporation ( FDIC ) up to {$250000.00} per depositor. You can also link external bank accounts, allowing you to transfer money in and out of the account as needed. FDIC means the bank is insured, not that the customer is insured. I had an external checking account that was hacked. I gave no authorization for any funds to be withdrawn, yet, {$250000.00} was withdrawn by hackers who used my internet protocol ( IP ) address to move t hose funds into my XXXX XXXX XXXXXXXX checking account. From there, they created their own XXXX XXXX XXXXXXXX checking account, moved the funds into that account and out it went. The American Express investigation was limited to the fact that my IP address was used to move the funds to my account. American Express closed the case, and left me with {$1000.00}. The investigation was shoddy, negligent in the facts, cursory in its desire to understand what happened. When XXXX XXXX tried to explain how these actors had invaded my accounts, they indicated there was no need for them to understand. Not one penny, of those funds that were withdrawn, was ever authorized by me. I would expect that as a long-time account holder, there would have been a real investigation. More than likely, those funds were laundered to fund terrorist activities. Does American Express care? 
American Express should do a thorough investigation. They have refused to contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Mobile : XXXX XXXX XXXX  The Consumer Sentinel Network details several similar scams with the same names of XXXX XXXX and XXXX XXXX who used a computer program called XXXX which was used to secure my computers and phone. That there is a criminal investigation ongoing with case number XXXX, and American Express is not doing their due diligence in contacting the detective working the criminal investigation is a nationwide scam, and there could be liability on their part by not completing a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX and TransUnion consumer reporting agency are violating at least two of the clauses of 15 U.S.C regarding the reporting of a charge off as debt and as an open account. XXXX XXXX continues to furnish this account information as debt when they clearly charged this account off and it's not only canceled debt but pursuant to the IRS its now considered income of which I have to pay taxes on. as Transunion and XXXX is very much aware income can not be furnished on anyone 's consumer report 15 U.S.C1681 2 ( a ) ( i ) they have claimed tax credit and is still furnishing on my consumer report as debt Secondly it is being reported as an open account. this violates 15 U.S.C 1681 e.b recently i had an identity theft issue and Transunion checked all accounts but came back as verified and accurate on this issue when it is not.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX