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

THIS IS MY 3RD TIME REACHING OUT TO EXPERIAN AND THERE ARE FEDERAL LAWS BEING BROKEN. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( 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.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Debt collection

I found a collection account that has been placed on my credit from XXXX XXXX. I requested validation of the debt because I have not received any paperwork from this company. The docs the provide show me nothing, no contract showing that I signed for this services, my name is spelled wrong on the account and it only shows one month of services. I have never had XXXX XXXX XXXX as a provider, and the paperwork they provided does nothing to show that I signed for it.
Product: Credit reporting or other personal consumer reports

Bellow is a letter that was sent to the Assistant VP of Round Point Mortgage Dear XXXX, I believe there has been a great confusion regarding my account. I have never discussed anything about a XXXX payment. If you review your call recordings, your representatives were always discussing the XXXX payment. All the documentation I have received reflects that. 

Regarding the new issue with the XXXX payment, I have saved the letter that was mailed to me in XXXX. As per your federal grant selection, I did participate, and I responded to your offer dated XX/XX/2024. How can you now accuse me of being late? 

I understand that in large corporations, one department might not be aware of whats happening in another, but this should not affect my payment history. I complied with the instructions in your letter. Enclosed, you will find a copy of the letter, the check in the amount of {$5300.00} that was mailed, and a screenshot of the account used. The error is clearly on your side.

Please correct this immediately as my refinance of my investment property is stuck due to the damage you have caused to my credit. I have 11 properties and have never been late on any of them. Your actions are causing me financial loss because, to save my rate, I need to pay for a rate lock extension while you resolve this matter. 

This needs to be corrected no later than the end of this month. If not, I will have no choice but to hire an attorney and pursue this matter accordingly. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/2023 on my credit report. These late payments violate FCRA section 1681a, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report identity theft again, they applied for a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is affecting my Credit in a negative way, I have already reported this situation and I have not received any solution since it keeps happening, I already reported it to RobodeIdentidad.gov, to social security to report the fraud with my identity and social security number, to Experian but it keeps happening and affecting my credit report. I called XXXX and they didn't give me a solution either. I appreciate your help as it negatively affects my credit report. The last credit application was for a vehicle Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX reporting agency as well as Trans Union reporting agency in regards to several inquiries that are Invalid. I have reached out to XXXX and successfully gotten these invalid increase delete it from my Credit report. Upon contacting XXXX and Trans Union they consistently attest that these inquiries are accurate and will not be removed until said date.
Product: Debt collection

These accounts are not mine. I have reached out to dispute the accounts letting them know the accounts were not opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I reviewed my credit report on XX/XX/XXXX and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX I demand that these things be investigated and removed from my report in accordance with the provisions of the Fair Credit Reporting Act. It's my understanding that you'll double-check these items with the creditor who uploaded them. Please eliminate any information that can not be verified by the creditor. I realize that you must finish this reinvestigation within 30 days of receiving this letter under 15 U.S.C. Sec. 1681i ( a ).

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The date : XX/XX/2019 Amount : {$1500.00} There is a medical debt in dispute between myself and my XXXX XXXX office. The debt eventually went to debt collection agency after failed attempt to resolve with the XXXX XXXX office. The collector put it on my credit, without sending me validation letter. 

I have evidence showing the debt is paid in full by my insurance company. The image of cashed check obtained from insurance company, and the billing report from XXXX XXXX  office prove that the debt is fully paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first attempt with Equifax, they received the information and did not act on it. When I called to follow up, they said the info was too old. I faxed them a written request and the supporting documents 500 times. I follow up, they said they had not received it. I filed a complain with CFPB, who sent them my written request WITH supporting documents. Equifax 's response... .send us a written request and supporting doccuments. so I am doing it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Company on XXXX XXXX to inform them my information is incorrect. Name and Address on my license should match my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Acct # 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
Product: Mortgage

Select Portfolio Servicing which holds the mortgage previously held by XXXX XXXX, is failing and refusing to correct improper filings they did with the county to permit me to refinance the mortgage. For the last month I have been told by them that they have escalated the issue, but I just have to wait until they get around to resolving the problem. I have asked to speak to a supervisor each time, and on each occasion have been told that a supervisor is not available, but will call me back in a couple of days. To date, I have not received a call back. Each time I call and ask for the person I spoke to previously, I am told that person is not available and I need to speak to whoever is currently available. It appears that they are intentionally delaying the process so they can maintain the income from my current mortgage. Initial calls to Select started in early XXXX, and have included calls two to three times a week, with the most recent call being today, XX/XX/2019. It should be noted that I am not seeking to refinance with Select, but will be refinanced by XXXX XXXX, which has approved refinancing but can not proceed to closure because of this issue.
Product: Checking or savings account

My father has been diagnosed with XXXX XXXX and lives in a XXXX XXXX facility. I am his Power of Attorney and have been in California for well before establishing a relationship with Marcus by Goldman Sachs. I sold my dad 's house on his behalf once he needed to move into long-term care, and deposited the money in a Marcus by Goldman Sachs savings account direct from Escrow.

After some attempts to transfer money, Marcus locked the account and would not allow access to the funds without validating my Power of Attorney. I mailed them a notarized copy of my power of attorney, and the letter from his doctor, on three different occasions, attempting to gain access to the account to pay for my fathers care. 

They received the documents on XX/XX/year>. They did not review and approve the POA until the end of XX/XX/year> after requesting that I resubmit it three times with minor changes I disagreed with. They refused to provide any details or decisions in writing regarding why they were required. 
Once they finally accepted the POA, they decided to close my Dad 's account without my or his permission and refused to detail why in writing against multiple state laws. Now that they have decided to close the account on XX/XX/XXXX, it has been over two weeks, and they refuse to issue the funds pending further internal approval. 

This has caused me to attempt to fund my dad 's care from XX/XX/year> to XX/XX/year> entirely myself, however, all of my savings are depleted and he is now at risk of eviction and serious financial elder abuse at the hands of Goldman Sachs due to over 4 months of administrative delay. 

I have pursued every possible angle of working with Marcus at their direction and continue to receive absolutely no communication, no attempts to resolve this problem, no written records I could use for other financial purposes, and they are putting my fathers health and care in serious financial jeopardy despite his status in multiple protected classes as a elderly person, as a XXXX, and as a XXXX person.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A. states I have privacy!!!!!! 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.
Product: Credit reporting

I want to have charge off status deleted. There is no contract signed by me with Portfolio Recovery connecting me with them. They purchased the account from XXXX and I have not contract with them. I had no contract with XXXX either. 

XXXX XXXX XXXX, CA XXXX Portfolio Recoivery, LLC .XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
Remove the debt from XXXX credit reports, show as paid. 

Delete Charge Off Status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft these consumers are still validating information incorrectly although Ive already complained that Im a victim of identity theft to all major credit bureaus monthly they are still saying its a balance placing calls to my phone mailing things to my address and again I have no knowledge of these fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts need to be removed ASAP its messing up my lively hood and they are reporting Fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Trans Union and XXXX reporting the monthly payment as {$260.00} a month but XXXX {$320.00}? Which one is it? Is it {$260.00} or {$320.00} a month Why are there XXXX different balances being reported? Trans Union is reporting a balance of {>= $1,000,000}, XXXX is reporting a balance of {$12000.00} and XXXX is reporting a balance of {$12000.00}. What is the balance of this account? 
Why is the payment history reporting inaccurately? 
For XX/XX/2022, Trans Union isn't reporting anything, XXXX is saying I'm 90 days late and XXXX is reporting I'm on time. How can I be late and on time for the same month? 
For XX/XX/2022, Trans Union isn't reporting anything, XXXX is saying I'm 120 days late and XXXX is reporting me as on time. Which one is it? Was I late or on time? 
This account is reporting completely inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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
Product: Credit reporting or other personal consumer reports

My identitiy was stolen and it was used to try to obtain goods and services.
Product: Checking or savings account

I deposited my son XXXX check in my account chase froze my account said I have to prove thats my child and why I got the funds..
Product: Credit reporting or other personal consumer reports

XX/XX/2022 my information was compromised in the. XXXX data breach and I noticed a few accounts were opened under my name social and personal information.
Product: Checking or savings account

I was award a loan from the SBA that ally bank accepted .. within days of the loan ally bank closed my account stating fraudulent activity.i never received an alert nor call or email of any sorts. I reached out to them with all my legal documents pertaining to the loan and their agreement with accepting the loan as well. They had advised me to reach out to my loan institution to have them to request the funds back for release.the institution advised me that once the bank accepts the loan, it's my duty to retrieve it back because of responsibilities to pay it back. The bank has been giving me the run around for last 4 years stating my account was frozen by some government entities which is true. I spoke on the phone with both the SBA and ALLY BANK on a conference call and ally bank was advised that the loan was indeed legit. Ally bank had advised me that my funds would be released immediately during the conference call. The next day I had called ally bank back, they were no longer in agreement with releasing my funds.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX Bank and the credit card companies have stolen my assets. My grandmother was XXXX XXXX XXXX and my Father was XXXX XXXX XXXX and I am XXXX XXXX XXXX. I have been searching for a resolution for 13 years and I've been given nothing but lies and wild goose chases from all entities. The issue seems to be too overwhelming for anyone to take action in my favor. I will start to post my bank statements and other evidence online so as to make the community aware of my wasted life and complete existence while someone else enjoys the spoils of my family 's blood, sweat, and tears. My family was ignored contractually and left to die I am the designated principal and last of my bloodline. The account has been given to every bank from here to New York. My expenses do not allow me legal assistance in this matter. Please help, I've been reduced by labels that do not describe the truth. I have suffered greatly, we have all been left without our investments by lies and excuses from the holder for 13 years. My SSN is XXXX