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

Updated Identity theft report and required and requested information requested by XXXX and Equifax. 

XXXX and Equifax continues to violate my rights and are Making me jum through hurdles to get these fraudulent collections and inquiries off of my credit files. 

This is the last warning to follow the laws and stop violating my rights i have provided all documentation needed and I demand that you stop violating my rights immediately and remove these fraudulent entries from your credit files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Management All furnishers must have in place reasonable procedures to respond to notifications from XXXX  that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. 
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/2024 and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ), Are reporting inaccuracies
Product: Mortgage

In the fall of 2014, my home was in danger of foreclosure. Previously, I had tried mortgage mitigation with my then mortgage servicer, Citi Mortgage, but that had not gone anywhere. I had gotten a call from XXXX, urging me to try mortgage mitigation again, specifically a deed-in-lieu of foreclosure. I sent the application for deed-in-lieu to XXXX, with XXXX as the conduit. That process went no where, and XXXX said to send the application again. At this point, unbeknownst to myself of to XXXX, my mortgage servicing had been sold by XXXX to Green Tree Financial. My complaint is thus : after missing mortgage payments, and going into pre-foreclosure, XXXX had dinged my credit rating. They then sold my mortgage or rather the mortgage servicing to Green Tree. Immediately there after Green Tree began knocking my credit, missed payments, in foreclosure. It was XXXX property, XXXX mortgage, but XXXX foreclosures. Why was XXXX allowed to sell the servicing of the mortgage in the middle of my application? Why did XXXX knowingly purchase what was for all intents and purposes a bad debt, and why should they be allowed to hurt my credit for the exact same reason as the company they purchased the mortgage from?
Product: Credit reporting or other personal consumer reports

I had a fraudulent account from XXXX  XXXX removed from my credit report because of fraud and a collection from XXXX is still reporting on my credit report as a collection for an account that was opened using fraud please remove this account from my credit report immediately it is inaccurate and fraud.
Product: Credit card or prepaid card

Every single day since XX/XX/XXXX, there have been several calls to my phone number. Yesterday, Sunday XX/XX/XXXX, I received 22 phone calls from them after on Saturday XX/XX/XXXX they were told I had XXXX XXXX and it was not known when I could pay. I am in a hospital right now and can't have my cell phone on because it is ringing soooooo much from them. I have never been late or missed a payment until this month, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency CAINE & WEINER are not license to collect in the state of FLORIDA. The address listed on my credit report is NON EXISTENT. It belongs to a self storage unit. Both FLORIDA licenses from CAINE & WEINER have EXPIRED meaning they CAN NOT collect in the state of FLORIDA. I have disputed the account multiple times with no results and the account keeps getting updated.
Product: Credit card

Synchrony back closed my lowes store card that has a balance on it lower then my limit.I have had this card for years predating covid. I never missed a payment and the kicker is that they just issued me another card for discount tire. This is wrong. Their reasoning is that i have too many revolving account. If that is the case when why issue me the XXXX XXXX XXXX??? This is not the first time they have done this and i can understand if I was missing payments. It seem they constantly run credit reports and I thought they need permission. Bad Business so now I canceled the discount tire card
Product: Credit reporting or other personal consumer reports

So I sent a letter off on XX/XX/XXXX XXXX XXXX  to remover my personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party entity. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is Equifax, XXXX and XXXX did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I XXXX XXXX born XX/XX/XXXX am a victim of identity theft, and I did and I am sending this complaint myself.
Product: Credit reporting or other personal consumer reports

The following accounts are due to a data breach and are not mine and did nor=thave my authorization. I have sent all required documents in the past and now again and also requested validationand proof of the investigation and reinvestogation and Experian ha failed to provide this information the following accounts are not mine This company also fail to update my address info as follows XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Student loan

Our last payment on our parent loan from MOHELA account # XXXX was paid in XX/XX/year>. MOHELA accepted and processed this final payment. 
However in the interim the loan was transferred to aidvantage account # XXXX. XXXX continues to insist our account is in arrears. 
Numerous phone calls, and faxes have been unable to correct this error and for both to show our final payment was made!
Product: Mortgage

I purchased a condo with a first mortgage from Suntrust Mortgage and a purchase money second mortgage by Suntrust Bank as an Equity Line of Credit. In XX/XX/XXXX, Suntrust Mortgage foreclosed on the property and that account no longer appears on my credit reports. Suntrust Bank continues to report the XXXX XXXX with a current balance showing. Suntrust Bank is reporting 120 day late in XX/XX/XXXX, then XXXX from XX/XX/XXXX to XX/XX/XXXX, then charge off from XX/XX/XXXX thru XX/XX/XXXX and no reports shown after that. Suntrust Bank 's error is showing a current balance of {$38000.00} instead of {$0.00}. The property is foreclosed by Suntrust and the Statute of Limitations has expired, so why show a balance. I disputed this with the bank in XX/XX/XXXX ( see the attached letters XXXX but they refused to correct it. In a phone call today, the Suntrust Bank representative stated that the balance will never come off the credit reports until it is paid or settled. That can not be the law for a mortgage debt. I have also disputed with XXXX, XXXX and XXXX with no success. Please help as I am trying to refinance my home mortgage. Thanks. 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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX - XXXX 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 is reporting a collection account on my equifax credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Product: Payday loan, title loan, or personal loan

I am a victim of identify theft and I have receive several emails from this company regarding a loan that I did not take out. My credit file is frozen and there is a fraud alert place with all credit bureaus. This company only option to notify them of fraud is by email and I have yet to hear anything back from them. I did not apply for any loans through OppLoans and need this to stop immediately.
Product: Credit card or prepaid card

I am asking Jared, Galleria of Jewelry and/or XXXX to send me a signed contract by myself that I owe them the debt they are claiming as their own. 

They are reporting on my credit reports ( XXXX, XXXX, and XXXX ) that I owe them money. 

I am asking for a signed contract with myself and the company.
Product: Debt collection

I received a letter from I.C. System, Inc. in which the letter mentioned is a debt collection agency that XXXX hired. I have never had any sort of cellular service with XXXX in my name. This letter was addressed in my name and came to my address as imprinted on the letter. I believe this company may have potentially mishandled data and is trying to accuse me of a debt in which is not valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Looked at my credit report and seen Wakefield and associates collections bill for {$490.00} for medical bill that is not on file at the hospital at all I never went to hospital on XX/XX/2017 I  sent Wakefield my old insurance information and new information in XX/XX/XXXX my insurance company XXXX XXXX XXXX and new cant verify this bill and it is affecting my credit as we speak I have excellent credit before this incident took place this is why I think they are a scam they said why dont you just pay when they know the insurance company cant verify the bill even exists
Product: Mortgage

I am a resident at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, I am a shareholder, not the property manager of the building. I own a XXXX apartment within the building. 
On XXXX I received information that I was being charged XXXX separate payments of {$57000.00} from the XXXX XXXX XXXX XXXX, through my mortgage company, XXXX. This was the quarterly taxes of the ENTIRE building, that I was now being held responsible for. The tax department of the city negligently sent my mortgage company the charges, and they paid these charges without alerting me of the changes or charges and it is showed for months on my loan that I owed this money. After a very long exhaustive process of trying to get to the bottom of the issue, we never found it but were able to resolve with another parent company of XXXX, XXXX. I was charged $ XXXX to my bank account and still had the records of owing over $ XXXX on my mortgage statements. I eventually got that money back and though the taxes owed were taken off, you can still see that history in my mortgage statements. As of XX/XX/XXXX, I have now received my XXXX XXXX a year later and in XXXX XXXX it states I paid {$57000.00}, which is false. This company has several class action law suits against them. I am unable to move to another company. They and my property management team ( XXXX XXXX ) have done nothing to assist me then and aren't assisting me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby requesting the immediate deletion and removal of the following accounts and associated information from my consumer report. It is evident that the accounts and information listed below should not be reported on my consumer report, as their inclusion directly violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the swift deletion and removal of these accounts and information from my consumer report in order to rectify the multiple violations of these important laws. I urge you to take immediate action to remove these accounts and information without any delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XX/XX/XXXX  o riginally for {$3900.00}, I have all the original paperwork for it. It was relisted i n  XX/XX/XXXX  at {$1 200.00} as a charge off and it still showing up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I want the to be removed the of inaccuracies
Product: Credit card

I disputed a charge for {$66.00} as I never received the merchandise and when I tried to contact the merchant, neither the phone number provided in their confirmation email were valid, I tried since LAST year to get this resolved with Pen Fed and they just told me it was valid and kept the charge on my account. Even after I told them this information. They never provided me any documentation as to why they deemed it valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX Account Balance : {$31000.00}
Product: Credit reporting

XXXX account paid in for XXXX 2015 this has been left open with no XXXX credit limit. Account was paid in full and closed 2015.
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 Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : 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

American Credit Acceptance is steady making changes to my credit file to further hurt my credit report, upon research I saw that they formally been sued. American credit acceptance went against the FCRA and made false changes from years on my report. If this tradeline isnt removed immediately, I will push the issue further far as court to get this information corrected, I have kept all receipts! If this account is supposing closed, there is no way you should go in and change and say I was LATE on payments from 2 years ago when I was NOT! I also have a previous complaint from XXXX of American credit acceptance saying that they will mark a month as no data but when back and changed it after the account has closed! I will push to sue this company if this remain on my report.