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

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 advers
e 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 ) ( 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

I got my credit ran at the XXXX dealership today XX/XX/20 because I'm trying to buy a car and my credit report came back with two accounts in negative standing ; I had no idea these accounts were on my credit report because I did not open either of them nor do I have any written/verbal contract with those companies. The companies in which these accounts were opened are called XXXX XXXX & XXXX XXXX. I am not affiliated to these companies in any way and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a police report regarding these unauthorized accounts.
Product: Mortgage

I have never been late on a mortgage payment. My current mortgage is with Ocwen and my payment is {$2900.00}. I made my XXXX payment on XXXX/XXXX/14 and transposed the last XXXX digits, paying {$2900.00}. Ocwen held the funds, did not post the payment but put on my account, and did not notify me. When my XXXX bill arrived, it showed that I was short the {$54.00}, which I promptly paid with my XXXX payment. Then Ocwen started sending me foreclosure paperwork and added a 30 days late payment to my credit report. I called Ocwen, and the individual I spoke with agreed that this seemed incorrect, but did n't have the ability to fix. I asked for it to be escalated, so he forwarded to their credit department and promised that someone would call me. No one ever did. 30 days later I received a letter that stated due to policy, unless Ocwen receives 100 % of the funds, they do not have to post the payment. I do n't think my credit report should reflect a 30 day late mortgage payment due to a {$54.00} error. This will affect my ability to refinance.
Product: Debt collection

The debt that the company is trying to collect is a debt that is not owed the charges made on the account is a form of credit card fraud I do not recognize this account and would like for it to be removed from my credit report
Product: Debt collection

I would them to provide the following : 1. Proof that I own the debt or are authorized to collect on it. 2. The name and address of the original creditor. 3. The exact amount of the debt owed. 4. A copy of the last billing statement sent by the original creditor. 5. A copy of the signed agreement that created the debt. 6. An account statement showing all charges and payments. 7. Proof that the statute of limitations has not expired on this debt. 8. Proof that you are licensed to collect debts in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX XXXX Equifax XX/XX/ and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly XXXX XXXX XXXX XXXXAcct. # XXXX XXXX. XXXXAcct. # XXXX XXXXXXXX XXXX XXXX-Acct. # XXXX XXXXXXXX XXXX XXXX-Acct. # XXXX XXXX. XXXX XXXX XXXXAcct. # XXXX XXXX. XXXX XXXX XXXXAcct. # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX. XXXX Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize.

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

15 U.S.C. 1681s-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.

If any of the purposes are not present please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S, Code 1681a ( 2 ) - 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 instruction of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, And no consent is Identity Theft. 

If EQUIFAX can not produce any such agreement with my signature in 10 days, I'm demanding the accounts listed below, as a consumer, be immediately deleted and zero out from my consumer report. 

XXXX CARD ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX I am a federally protected consumer. Equifax is causing my grave abuse and detrimental harm. I reached out to this corporation in XX/XX/2022 via XXXX certified mail with return receipt to provide a detailed comprehensive compilation of erroneous facts and inaccuracies that their company has caused to happen to me from their various breaches and negligence of the law. My consumer report is being damaged, and my financial reputation destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Notice of Delinquency dated XX/XX/XXXX, addressed to myself and the account holder. Re : Retail Installment Sale or Credit Sale Contract Dated XX/XX/XXXX vehicle ( N/A )... This letter will be included if I can upload it. The notice informs me the contract stated above is delinquent & is my obligation. {$750.00} is due the date of the notice. If I don't pay or make arrangements to pay within 15 days from the date of the notice- ( XX/XX/XXXX ), we may report adverse information about you to a consumer reporting agency and exercise our legal rights against you... 
The account holder did make arrangements and has paid XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$500.00}. A total of {$5300.00} in an attempt to clear the amount owed as requested in the Notice of Delinquency.

Santander Consumer USA reported negatively on my credit before the 15 day period expired on-XXXX, they stated in their Notice of Delinquency. The account holder spoke with Santander and made arrangements for payment, explaining having every intention of fulfilling that responsibility. Asking why did they report on my credit when arrangements were made. They were asked to remove the report off my credit as I was in the process of moving and could possible be left homeless due to this knocking my score from XXXX to XXXX to XXXX. All in one week. The landlords thought it had to be an error. Unfortunately for me, there was not time to stop the damage.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries these are unauthorized I was told that my credit will not be ran
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts associated with identity theft, which I never authorized in writing or with a wet signature. I recently informed your organization about this issue and am now formally demanding the immediate blocking and removal of these accounts from my report. Their inclusion has resulted in substantial emotional and financial hardship, as they misrepresent my credit history and obligations. If this matter is not resolved satisfactorily, I am ready to initiate legal proceedings to safeguard my rights and seek a resolution. These fraudulent entries have impeded my ability to reach critical financial milestones, including home ownership and providing for my family 's needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why my FICO score has gone down since I pay everything on time.
Product: Debt collection

To Whom It May Concern : These people, the IMC Credit Collection Agency refuse to work with me to clear up a debt. I can only afford XXXX per month because I am a senior citizen on a fixed income. They then threatened to take me to court.
Product: Credit reporting or other personal consumer reports

I'm not liable with this debt with XX/XX/XXXX I do not have a contract with this collection agency trying to collect this debt. They did not provide me with the original contact as requested.i demand this be removed from my credit report
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX XXXX XXXX XXXXXXXX. {$0.00} Acct # : XXXX
Product: Checking or savings account

On XX/XX/XXXX, {$5600.00} was fraudulently taken out of my business account at Bank Of America. The company that was involved in these unauthorized transactions was XXXX XXXX XXXX XXXX. I spoke with Bank of America on XX/XX/XXXX to inform them that I did not authorize these transactions. Bank of America open a fraud claim on XX/XX/XXXX. Several attempts have been made by me to resolve this matter, but the results are never in my favor. I also filed a police report about the fraud claim and forward a copy with a memo of what happen to Bank Of America. It is hard for me to understand how I can be treated in this way, being a customer of Bank Of America for eighteen years.I need to know what I can do to get this matter resolved in my favor and get my fund return to my bank account.
Product: Debt collection

I received a call today ( Friday XX/XX/XXXX ) from a supposed debt collector who knew my name and date of birth. I confirmed it was me. He said he was calling about a debt with a Credit Card ( a XXXX XXXX ending in XXXX with XXXX XXXX ). I told him I was never a client of that bank ( honestly, I have never even had a XXXX in the XXXX ). He insisted that the debt was now USD XXXX, last payment received successfully was in XX/XX/XXXX ( {$59.00} ) and debt started to increase in XX/XX/XXXX ( almost 5 years ago and this was the first attempt to contact me?! ) When I asked for more details, they requested the last 4 of my social and I hung up, thinking it was a scam call. 
Now I wonder, what if it wasn't a scam call and I was a victim of ID theft? The number they called me from belongs to Midland Credit Management, but they never mentioned the name of that company during the call. 

How can I make sure I don't have a debt? 
What if the debt exists but it's the result of ID theft, do I still have to pay for it? 

Any official information would help. 
Thanks.
Product: Credit reporting or other personal consumer reports

I have consistently experienced credit score deductions from XXXX XXXX, prompting multiple instances of alertness on my part. Upon contacting the company, I was informed that my account showed no outstanding balance. The recurrent deduction of my credit score without a corresponding explanation or resolution has raised concerns about the accuracy and transparency of XXXX XXXX XXXX  billing system. This ongoing issue requires urgent attention and resolution to ensure the integrity of credit reporting and customer trust in the XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute letters to Experian requesting proof that they had verified an account on my credit report prior to reporting the information. Since that time I have sent 3 additional letters requesting this data, which they have not provided.

Consumers are entitled to review the original sources of the information reported, including originating documentation. Since no information at all has been provided by the bureau, it is impossible to verify that these accounts are being reported accurately.

Please direct Experian to promptly remove the unverified items from my credit report until they can verify their legitimacy.

I have attached copies of all letters sent, along with receipts from the U.S. Postal Service indicating the mailing dates and the date they were received by the credit bureau, along with copies of all correspondence I have received from the bureau. 

Thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is compliant is about about the unscrupulous business practices of XXXX XXXX / XXXX XXXX who contracted a collection agency to collect a debt that I repeatedly contended was not opened by me. The collection agency finally acknowledged that they were unable to validate this alleged debt and therefore removed the entries from my credit report ; however XXXX XXXX XXXX XXXX XXXX continues to report this on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX / XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the collection agency but still have yet to receive this information. XXXX XXXX / XXXX XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX 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
Product: Debt collection

I received a letter from the debt collector in which I made two payments ( XX/XX/2019 & XX/XX/2019 ) two months in a row to the accounts in question. The next letter I received was dated XX/XX/2019 which showed a settlement amount due by XX/XX/2019. I called on XX/XX/2019 and spoke to a representative on a recorded line in which I asked if this would affect my credit and her answer was no. I made the settlement payment on XX/XX/2019 and they posted the payment on XX/XX/2019. Since then I started the process in purchasing a home in which my credit was run by the lender and my score was in the mid-high 700s. My credit was then run again on XX/XX/2019 in which my credit score dropped 100 points due to the company hitting my credit report. I've called numerous time asking to speak to a manager to request that it be removed from my credit report and have been told there is NOTHING that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed these things on my credit report and I have let them know that this information is incorrect. my social security number is showing incorrectly and I have sent necessary id to have this info corrected. these things 1.  XXXX XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XXXX XX/XX/XXXX, 3. XXXX XXXX   XXXX, 4. XXXX  XXXX XXXX. There are also unauthorized inquires XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX-XXXX. I have attached a copy of the identity theft report I sent TransUnion and the request to block this fraudulent information. I keep getting the same response & they are hurting my actual credit reporting false information.
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( XXXX ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated.

The items below should all be removed from my consumer report under 15 US Code 168XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Please remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX