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

I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX DPT ED/XXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed complaints with CFPB on XX/XX/XXXX for XXXX, XXXX, Transunion regarding accounts being on my report that were opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! 

CFPB Complaint ID : XXXX Complaint ID : XXXX Complaint ID : XXXX It has been over 30 days and NOTHING has been resolved!!! 

Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! 
Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute in regards to 3 student loan debts that were being reported as collections on my credit report that I believed should have aged off of my credit report by now. On XX/XX/XXXX I received the results of the dispute stating that the information " is being reported accurately ''. Upon further investigation I realized that I also had late payments being reported on all three of those student loan debts including the one that is currently open ( which is the same loan, just transferred ) when in fact all of my student loans have been in forbearance since XXXX until present. They were just transferred, but we're NEVER late. 

I was able to find proof of the open account being in forbearance which is attached below.
Product: Mortgage

Santander bank hold my current home loan mortgage. I never did business with them directly, but my lender ( loan broker sold the mortgage to them ). The interest at the time was 4.5 % in XXXX-XXXX.

Given the current low interest rate environment, I was working with another bank to refinance my loan. Santander employees called me to offer a lower rate of their own. Getting an unsatisfactory offer from Santander, I decided to continue with the other bank I was already working with. 

While waiting for completion of the refi with another bank, I was told that Santander had lost my XXXX XXXX and Lease, for which I had to pay {$600.00} out of my pocket to the building management 1. They never returned me {$600.00} 2. They didn't reply about the lost stock and lease for at least 4 months Due to pandemic, the property prices fell further and I was unable to refinance at all. Not only did I loose all the money I spent with another bank to refinance the property, but also am paying a much higher mortgage every month than what I ought to be paying at the current interest rate 3. Lot of wasted time and mental stress The above makes me think that their low ball offer and loss of stock and lease was a deliberate attempt to keep my high interest loan intact with them. The bank regulator needs to intervene and solve this malpractice
Product: Debt collection

Typical deceitful bill collector. Collector told me if I set up a payment plan, would not be reported to CRA and If I don't they will hurt my credit. Also, I contact the XXXX XXXX XXXX XXXX XXXX and they have NO records of any payment due since my Insurance covered and pay all my medical expenses. They admitted their mistake and said they will send an email to americollect to retroactively fix the issue. I asked americollect to contact XXXX XXXX XXXX XXXX XXXX and they refuse to do so saying they do not contact their client. This is unfair and illegal to not rectify an issue after proof is given. Threatening me to ruin my credit over a debt That I DO NOT OWE. I seek advice from XXXX XXXX who advices me to call in which I did as stated above to the phone number ( XXXX ) XXXX and I also conducted an investigation in which according to CFBP Americollect stands at a whopping complaint rating # 182 of 2,458 companies.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX  Complaint Summary : I am submitting a formal complaint regarding SBNASELFLNDRs ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my account and failing to provide adequate verification. Despite my hand written certified mail request for correction and deletion sent XX/XX/, SBNASELFLNDR has instead provided me with a list of payment dates via email, which does not substantiate the reporting inaccuracies. The continued inaccuracies are damaging my credit profile and violate federal consumer protection laws. 

Issues with Reporting : Inaccurate Comments on Account Status : SBNASELFLNDR has included a comment stating paid from collateral on my account, which does not accurately reflect the accounts status and is misleading to creditors. 

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate information, yet SBNASELFLNDRs continued reporting of paid from collateral is misleading and inaccurate. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) SBNASELFLNDR failed to adequately verify the accuracy of the account information, as required by FCRA. Merely providing payment dates via email does not constitute sufficient verification. 
Lack of Adequate Verification : I requested a method of verification ( MOV ) under the FCRA, but SBNASELFLNDRs response was insufficient, providing only payment dates without addressing the inaccuracies in the account comments.
Product: Debt collection

Lvnv funding is showing on my credit report claiming I owe {$770.00} do not know company and do not owe debt
Product: Mortgage

I purchased a condo back in XXXX of this year, I had my credit report pulled from the mortgage broker that was used to oversee the transaction from the seller. My credit score was too low to get financing so the owner decided to finance the loan for me, until my score was high enough to get it refinanced. Some 4-5 months later the mortgage broker decided to pull my credit report again without my consent or authorization to see if I could get financing through the company he works for. I have credit monitoring and the next day I received an alert stating I have a new hard inquiry on my file. I researched the XXXX party involved and discovered it was a mortgage lender. I called the mortgage broker and he said he had pulled my credit to see if I now qualified for a loan. I told him that was wrong and would lower my score and that I had no desire to use his lender because I already had XXXX in mind. From there I contacted XXXX and XXXX to have the inquiry removed, and they told me the steps I needed to take in order to have the inquiry removed. I forwarded that info over to the mortgage broker so he could rectify his unethical mistake. He said he would take care of the problem and acknowledged that he was wrong. After some back and forth correspondence he said he spoke with his boss and was told there was n't anything he could do because he did n't want to be in any trouble. I have n't heard from the mortgage broker at all and he refuses to answer my calls. Please help
Product: Credit reporting or other personal consumer reports

I used Equifax to place a freeze on my credit report a while back on their website. I tried to unfreeze my credit report today, by logging into myEquifax account. However, the website keeps saying that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I then tried using the XXXX & XXXX app on my phone that's developed by Equifax to unfreeze my credit report. The app also says the request could not be completed, with an error code XXXX.
Product: Debt collection

When trying to order an air freshening device through a company called XXXX, a customer service rep contacted me directly and convinced me to switch the order to a subscription service for the oils required in lieu of paying for the machine outright. 
I agreed to a " soft credit check '' and the customer service agent said there was " no contract '' and I could " cancel any time. '' I signed the appropriate paperwork and she initiated a refund for the cost of the device. 
I discovered very quickly that I would never use the allowed amount of oils shipped and attempted to contact the company regarding cancelling the subscription starting XXXX. It was delivered on XX/XX/25 and they apparently have a " 14 day trial period. '' I called and emailed again about 5 days later. No response. I sent another email the next day and called. I got a promise of a supervisor contacting me. No response. By the time I got someone on the phone it was now past the 14-day trial period and I am being told that I can no longer cancel the subscription and it will last for 36 MONTHS. 
I am willing to pay for the cost of the device. This company is giving me the run around. I want this payment cancelled.
Product: Debt collection

This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. 
Additionally, this collection agency is using illegal tactics such as 1. contacting me during all hours of the day and night.

2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.

4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted 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
Product: Debt collection

The collection charge happen in XXXX. ( details below ) What I need help with : In XXXX I sent out a goodwill letter. The collection was removed. 
I was expected into a housing program. 
The collection agency put the XXXX back on just using a more recent date. 
Ive been rejected for housing over and over. Because of this It drops my credit score .Im losing out on housing. Please help I have until XX/XX/XXXX. To find a place. 


What happed In XXXX My daughters and I were new to Cell phones. They were watching movies. ( We didnt even have cable ) I called XXXX I was set up on a payment plan. I was living on SSI/child support. 
I thought I was making the monthly payments. Before I knew it all our phone were shut off. I was charged an early termination on 3 phones.I didnt understand what happened. 
I asked for a copy of my bills. 
We were in the process of moving at the time.Our new apartment fell through. I was living out of my car for 3 months. It was a year later XXXX had sent it collection no one could help me.XXXX I figured out what happen. I was making monthly payments not bi weekly payments. With all the payments my bill is paid off. The rest is all cancellations fees. 3 phone were canceled. 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you A notice of debt validation on several occasions last on XXXX to which once again this company ignored. This complany has violated my Rights pursuant 12 CFR 1006.34 ( c ).

You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. 
The law is explicitly clear ignorance of the law is no excuse. Your 30 day Debt validation period has ended and you FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. 
All negative credit reporting activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was XXXX. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX