23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When researching the collection agency, IC System, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact IC System and instruct them remove this debt from my credit reports. 

RE : IC SYSTEM - NMLS ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

1. the loan was paid off on XX/XX/XXXX 2. after not having the mortgage discharged with the Registry of Deeds ( the payoff amount included the " recording fee '' ) and not having mailed it to me either, I called LoanCare customer support on XX/XX/XXXX. They told me the discharged will be processed and the turnaround time is until XX/XX/XXXX. 
3. On XX/XX/XXXX, after not seeing the mortgage either discharged with the Registry of Deeds or mailed to me, I e-mailed the customer support. The automated response assigned the inquiry as follows : " Release Loan Satisfaction Inquiry ( Ticket # XXXX ) '' 4. as of today, XX/XX/XXXX, I haven't heard back from them. 
5. In Massachusetts, XXXX. Chapter XXXX, Section 55 requires the lender to discharge the mortgage within 45 days of receipt of full payment of the loan. Failure to comply within the 45-day time-frame subjects the lender to penalties in an amount equal to the greater of {$2500.00} or the actual damages sustained by the mortgagor as the result of the failure, together with reasonable attorneys fees and costs 6. as of today, XX/XX/XXXX, LoanCare is already in violation of M.G.L. Chapter 183, Section 55
Product: Credit card

Review the attached documents. I request an investigation into the accounts that inaccurately report me as late, despite my consistent on-time payments.
Product: Credit reporting or other personal consumer reports

Subject : Revocation of Consent & Opt-Out Request Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to handle consumer information with fairness, impartiality, and respect for privacy. Equifax, Experian, are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared without my consent. Due to this I now have an extraordinary amounts of misinformation, that has damaged my personal life.

Additionally, under 15 U.S.C. 6801, financial institutions are obligated to respect consumer privacy and protect the confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, XXXX XXXX qualifies as a financial institution under this law. 

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer report may only be furnished with the written instructions of the consumer. I have not provided, nor do I provide, any written consent for Equifax, Experian, or XXXX to report or share my information. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, under 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been given the opportunity to opt out. I was never informed of my right to opt out, which is a violation of this provision. 

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is more than XXXX years old, except for criminal convictions. The account being reported constitutes adverse information and is being reported without my permission, in violation of this statute. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not provide consumer information to reporting agencies if they know or have reasonable cause to believe it is inaccurate. Equifax and Experian are also failing to maintain reasonable procedures to prevent violations of FCRA, as required by 15 U.S.C. 1681e. 

Finally, according to 12 CFR 1016.7, I have the right to opt out at any time. I am formally exercising this right and opting out of all your reporting services. 

I expect immediate compliance with this request. and writing content within 30 days of this submission. 

Sincerely
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and the following credit inquiries were made without my knowledge. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a class action lawsuit with XXXX XXXX for the past 6-8 mos. ( maybe longer ) and the people won, so the people were to get 2 things, a small monetary amount by check, ( which I have not received ) and since they reported wrong things on our credit report the were also to take any credit reporting from XXXX XXXX off of all 3 reporting agencies... I see where they have removed XXXX debt from XXXX but have not removed Transunion or XXXX... Please have the reporting agencies remove any bad credit from my credit report per the stipulation from the class action law suit with XXXX XXXX.
Product: Debt collection

A company " ERC '' leaves automated phone message that this an attempt to collect a debt. They do not ask for anyone by name, nor do they say to whom the " debt '' is supposedly owed. We are current with all bills, own our home, owe nothing to no one, and refuse to call the number and report our case number left on the message, so that we do not give them any encouragement. This annoyance call comes in on our home phone over and over, and we 'd like to stop this repetitive call for a bogus debt. Please tell them to stop calling our number. They call from XXXX. How can we block them from bothering us? Thank you.
Product: Credit reporting or other personal consumer reports

I'm filing suit if this isn't expunged in 20 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports
Product: Credit card

On XX/XX/24 I went to the XXXX XXXX web site to purchase a ticket. After entering all my info and getting ready to submit payment a offer appeared on screen saying that if I " APPLY '' for CITI credit card ( AAdvantage platiunum ), I would be able to save up to {$400.00} dollars on airline tickets. At this point I called CITI just to confirm all of the restrictions, etc. and was assured that upon my approval for card, I would be given a temporary number to use with XXXX XXXX for the purchase of my ticket. But I was told that I could make my application via phone but if I wanted to use it on my current airline ticket purchase I had to apply on line. Which I did. Having a credit score of close to XXXX I was not surprised when I received verification within minutes that I had been approved. THIS IS WHEN THE ABSOLUTE WORST EXPERIENCE WITH ANY FINANCIAL INSTITUTION OF MY LIFE BEGAN. I did not receive any temporary number as had been described so I called Citi Bank back. Hold time to speak with someone was excessive but I know we have all come to expect that. When I finally reached someone I was told to call XXXX XXXX back at special phone number they gave me since this program was being adminsitered with their particpation, I was told that since I had been approved, they would have the temporary number & info in order to pay for my ticket. I did call and of course they did not have and refered me back to Citi Bank. I called back and was transfered XXXX times after holding approximatey XXXX mintutes per transfer only to be told there is nothing that can be done. Unfortunately every time I spoke with someone it was with obviously a foreign based operator which was next to impossible to understand. ( please be assured I'm not complaining about the XXXX XXXX operator 's, I speak with them all the time in my business, it's just that citi bank 's was either a terrible phone connection or very poor XXXX XXXX reps. ) I finally reached someone, obviously based in states, explained how I am now going on XXXX hours with this nightmare and he assured me that he was going to hold the line until he reached out to the proper people who would assist. Well I never heard back from him and about XXXX minutes later another XXXX XXXX XXXX  rep picked up the phone and kept saying hello, hello, obviously could not hear me and call was discontinued. Citi bank has displayed to me the absolute worst customer aservice that I have ever encountered in my life. It baffles me how they in conjuction with XXXX XXXX have this major program offered on both of their web sites and yet can not facilitate it!! During the effort to get this resolve I was refered back to XXXX XXXX a XXXX time and while they couldn't help, the rep stated that they have had countless complaints about this program and the inability to communicate with Citi Bank reps. Horrible experience and still no closer to being resolved.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ally Financial XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to bring to your attention a serious matter regarding an erroneous credit report that has led to identity theft. Despite my repeated attempts to resolve this matter, I have not received any satisfactory response from your agency. 
Firstly, I would like to inform you that there are certain accounts that are not reporting on all three Credit Reports. This is in clear violation of Metro 2 compliance standards. As a consumer, I have the right to have accurate and complete information on my credit reports. The omission of certain accounts is leading to an incomplete and inaccurate credit report, which is affecting my creditworthiness and financial standing. 
Secondly, the erroneous credit report has resulted in identity theft, which has caused significant financial and emotional distress. I have repeatedly notified your agency about the fraudulent accounts, but the investigation has failed to resolve the issue. The lack of appropriate action has resulted in the identity theft persisting, and I am now facing severe financial and personal consequences. 
I strongly urge your agency to take immediate and appropriate action to investigate and resolve the erroneous credit report and the identity theft. As a consumer, I have the right to accurate and complete information on my credit reports and protection from identity theft.
Product: Credit card

i was mailed a Cash App debit XXXX that i never applied for. says " XXXX XXXX  '' on the front with account number and my name on the back.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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/XXXX The following inquiries were not and should not be reporting. 



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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2020 Balance - Status Paid, Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the FederalTrade Commission and I also have enclosed copies of the Federal Commissions IdentityTheft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights by reporting late payments to my consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthmore, 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

Please remove these false accounts that I found on my credit report. they do not belong to me and I have no knowledge of who they go to. 
XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX. My birthdate is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Debt collection

I have been disputing this alleged medical debt on my credit for months. I have sent certified letters to the credit bureaus and to Medicredit collection agency. They have failed to provide proof that i owe this alleged debt. I spoke with the medical provider directly and they stated the debt is paid and i do not owe the debt. Medicredit is reporting false and misleading information to the major credit bureaus. This is illegal and a violation of my consumer rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX. XXXX XXXX  XXXX XXXX ) XXXX Balance : {$59.00} XXXX XXXX XXXX  ( Original Creditor : XXXX. XXXX XXXX  XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

FRANKLIN COLLECTION SV is claiming that I owe them {$920.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I ask the following creditors to validate the debt that I am not aware, they were unable to do that
Product: Debt collection

XXXX XXXX added a debt that does not belong to me to my credit reports. On XX/XX/2020, I contacted the company several times to rectify this matter, but I have found them uncooperative. The debt that they're attempting to collect is from an address in New Jersey which I have never lived. I asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened this fraudulent account in my name. They have Not provided any validation. They only sent me bills for service from an address I have never lived at. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.