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

I have been a victim of identity theft due to the lack of security with Experian with XXXX XXXX and XXXX just last XX/XX/XXXX XXXX XXXX and XXXX removed finally the N accuracies of a fraudulent account on my credit report. Experian on the other hand has not done their due diligence to properly handle this case I have disputed it over and over and now they say I can no longer dispute the case, I was a victim of identity theft. This was a case of identity theft and I approved it with the other two companies Now I am bringing this situation to consumer finance. I wish you didnt have to get to this level but I see no other way this company has lied for years. Theres so many inaccuracies with what theyre claiming the balance owed due the name of the company I would just like someone to look into this look at both XXXX XXXX full report and EQUIFAXs report and then go look at Experians report and you can just see how they are just running it through the system that is not how our system works. We are supposed to be protected from being victims of identity theft they have provided me with identity, safe protection, but yet they allow it to continue to occur, now this is a very since XXXX. I believe was the first time I was made aware of this and I have been rigorously disputing this if theres something else that I would have to do to somehow bring this to XXXX a head weigh I just do not feel that Experian has properly and with a human actually doing the investigation and not a computer program that just runs off a bunch of algorithms and put it into the system that is not how our system should be ran and if it is, thats why were in the trouble we are in now. I want to thank you for taking the time to listen to my case listen to my complaint and that everything I have been saying, since the beginning is the truth, I did not open that account did not know anything about the account, and I would like this to come to a peaceful conclusion. Thank you very much for listening to me again have a blessed day and a happy new year. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX the recorded Beneficiary of Security Instrument XXXX will not communicate with me. I want to know if they are the true Holder of the NOTE on my property at XXXX XXXX XXXX, XXXX XXXX, CA? 

If so I would like them to grant a Power of Attorney to Select Portfolio Servicing Inc. so they can sign the property over to me in a Quit Claim Deed, therefore also granting and recording a Full Reconveyance of my mortgage under Deed of Trust APN # XXXX, Security Instrument XXXX and recorded as XXXX. 

The mortgage has been discharged, liquidated and no longer reporting to credit Bureaus. 

I am a XXXX veteran and up hold my rights as a US Citizen to have my request fulfilled without further delay or stalling.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost 30 days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 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 ) ( 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 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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED - XXXX XXXX XXXX - XXXX DEPT OF ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX They are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent
Product: Debt collection

Hello, I received a call from Enhanced Recover Company. The young lady stated they were collecting on an XXXX bill from XXXX in the amount of {$190.00}. She reference my mothers address and that is the address i no longer reside at. I advised i cant remember that far back and advised i don't recall ever having XXXX Service at All. She started asking me question about fraud and if anyone has opened any accounts in my names. I asked her to send me a debt validation letter which i received on XX/XX/XXXX. The only thing that was on the letter was the creditor name last 4 of account number that all. Their was no phone number no list of charges or any plan information that would identify the account was mines at. I don't recognize this account and indeed why would i get a call almost 7 years later about this matter?
Product: Credit card

My wife XXXX XXXX XXXX ( XXXX XXXX ) hold Citicards jointly. 
About XX/XX/year> I noticed that there were several unauthorized charges made to my wife Citicard totaling {$2800.00} between XX/XX/XXXX and XX/XX/year>. I promptly reported the matter to the Fraud Dept at Citicard. After answering questions by the Citicard Fraud Dept., I was informed that the unauthorized charges would investigated and resolved and I will not be asked to pay since the charges were not made by me or my wife. 

On XX/XX/year> I received email from Citicard informing me that there a message was sent me and upon checking on the Citicard website I could not find any message being sent to me. On XX/XX/year> when I was reviewing my bank account I found out that Citicard withdrew {$2800.00} the total of unauthorized charges from my bank account without my consent. Since I had enrolled in automatic payment program with Citicard, they took the money without informing me the status of investigation. Since the money they took was unauthorized charges, I did not expect to pay them and as such I did not have sufficient balance in my bank account. This resulted in my bank balance wiped out and many transactions such my monthly mortgage payment and health insurance payments were returned for insufficient balance. As a result, I had to pay more than {$120.00} to my vendors as penalty. When I called spoke with Citicard customer service they could not provide me with satisfactory answer nor have they refunded {$2800.00} that was debited to my bank account. To this date, I have not received any communication from Citicard regarding status of investigation into unauthorized fraudulent charges that occured in the second week of XX/XX/year>. We are retired senior citizens and we need the money back as soon as possible to pay our bills. Thank you.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX at XXXX point. However, there is an account that has been referred to Zion Debt Holdings. When I disputed this account and requested validaton I was provided with documents with a signature that does not belong to me. I contacted an FCRA attorney and they advised that I reach out to the CFPB since I did have an account, but also received documents from them you did not sign, we refer to the CFPB I have attached XXXX documents : XXXX called Our signatures and XXXX called " Not our signatures '' ( which is what was provided to me by XXXX when I requested validation )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with equifax many times over and over again an address that does not belong to me. The associates at equifax one dat tell me 48 hours and the ones over in XXXX tell me 30 days. Equifax is reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which is not my address and i fear identity theft. My actual and only address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Also i have told them to remove the middle initial/name as my name should only be XXXX XXXX.
Product: Credit reporting or other personal consumer reports

During several months in XXXX, I have contacted the credit reporting agencies with various inaccuracies on my credit file. The agencies have not resolved the errors at all and just list erroneous comments that should all be removed. 
. 
In accordance with the fair credit reporting act the following companies have violated my rights by listing multiple inaccuracies on my credit file : XXXX XXXX XXXX XXXX ( account # XXXX ) - Is listed on my credit without my consent. Service was never rendered and equipment returned. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) - The status is not derogatory and comments are inaccurate and should be removed. This account was sold to another lender. 
XXXX ( account # XXXX ) - The open account dates are inaccurate. The account was closed. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) The status and comments are inaccurate and should be removed. The car was returned and no balance is due. This finance company is involved in predatory practices and engages in constant harrassment. I was listed as a cosigner without my knowledge. 
XXXXXXXX XXXX ( account # XXXX ) - The status and comments are inaccurate and should be removed. This XXXX XXXX has another name listed on the account. This financial institution engages in constant harrassment tactics. 
. 
XXXXne or more of the following FCRA laws have been violated : >> 15 USC 1681 section 602-A states that I have the right to privacy.

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>> 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

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>> 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies.

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>> XXXX XXXX address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 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 formally report that I am a victim of identity theft. Enclosed with this letter, you will find a copy of my identity theft report, as well as copies of my drivers license and Social Security card, which serve as proof of my identity. Additionally, I have included documentation verifying my current address. 
After reviewing my credit file, I discovered several accounts that do not belong to me and are not related to any transactions I have made. This situation has caused me significant distress, and I am requesting your immediate assistance in addressing this matter.

I kindly ask that you place an immediate block on the following fraudulent accounts in my credit file withi

n four days of receiving this correspondence. This is not merely a regular dispute ; I have filed a complaint with the Federal Trade Commission to document my status as a victim of identity theft. In accordance with sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act, I am requesting that you delete and block the following fraudulent accounts from my credit file : XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX ACCT XXXX XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : XXXX, EQUIFAX, AND XXXX has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
XXXX, EQUIFAX, AND XXXX does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances XXXX getting { house, car, etc }. Im filing a complaint hoping something will get done immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.
Product: Debt collection

consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer 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 ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( 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 ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6XXXX XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).
Product: Debt collection

Soon after I notified CFPB about Ally Financial. Ally resent my account to the credit bureau to lower my score XXXX XXXX. I feel this is retaliation.
Product: Mortgage

I got behind in XXXX when I fell and broke my hip. Started to pay as agreed and got behind again by 3 months and brother helped me in XXXX. In XXXX I took the Covid Relief and the loan is current right now. My husband passed in XXXX of XXXX and i've been struggling with this mortgage this entire time to do a modification. They said they would not work with me until I had provable income and I started getting social security in XXXX of XXXX. I continually struggle to get in contact with them and am consistently giving the runaround. I've emailed, I've called, and there is just no response. I was told to contact this person and he refuses to respond to any contact email or phone. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ext XXXX.
Product: Credit reporting or other personal consumer reports

Misrepresentation of information was reported the on my Consumer report as Insurance paid off my Loan for my Vehicle. Notice this is not a credit report 15USC 1681A exclusion the term Consumer report means any written with any information barring on a person credit worthiness which are independent the Factors of XXXX should not be reflective on ones Consumer report, Congress says the Term consumer report dose not include report contain in information solely as the transactions or experiences which goes against congress as the False report to my Consumer report indicating a Report of a late payment may be illegal by Fair Credit Act.