23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 names : -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Have 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 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I went to XXXX to received the medical emergency help in XXXX 2015 due to the work injured and I had the claim number which I provide to hospital, but the bill was sent to me. 

I tried calling ( XXXX ) XXXX number in hoping to talk with XXXX ( the actual bill : proof file attached ) trying to explain to them to what was going on, but this number would never be working. There were no chance to talk and correct this matter. 

So, I had to forward the bill to my attorney in XXXX 2015 ( please see proof file attached ) No further bills have sent to both my attorney and I after XXXX 2015. 


Bill was not paid until I acknowledged the alert from my credit report ( on the night of Friday, XXXX XXXX, 2015 ) where my point dropped down XXXX points. After I know the problem, I took care of the bill myself ( payment posted on my account on Tuesday, XXXX XXXX, 2015 ). 

My attorney made the informal conference to XXXX agent ( please see file attached ) XXXX did not take care this bill. That was the reason why my credit score has dropped XXXX points because the collection action was put under my name. 

I need XXXX insurance explain in writing where I report to credit bureau that it was not my false.
Product: Credit reporting or other personal consumer reports

recently checking my credit report i noticed that l 've been a victim of identity theft and found numerous credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgagor has re-evaluated my escrow and has recalculated my loan payments to include my homeowners insurance. My loan documents only include principal, interest, and flood. My loan is not set up for escrow or impounds. I pay for my homeowner 's and property tax outside my mortgage and always have. 

I called the company on XX/XX/22 or XX/XX/22 and talked to XXXX who said he would submit my concerns to the company. I did not hear back and called on XX/XX/22 and talked to XXXX. She was extremely rude and offered no feedback or support. 

I logged in to my account today on XX/XX/22 and see that my payment has been increased. This is in breach of my mortgage contract with the company. 

This is the second issue I have had with this mortgage company not doing the right thing until I submit a claim to CFPB.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  submitted a debt to collections that was not mine, the name on my credit report is Sunrise Credit Services collecting for XXXX. the amount is XXXX in another state. Where I have never lived. The date it was opened falsely was XX/XX/2023. 

address of the creditor, Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In this description I will repeat myself several times, because God knows Equifax with Claim they don’t know what I’m asking for.… They do this because they don’t want to correct their errors.I have tried repeatedly to get Equifax to correct this fraudulent account. I don’t understand how Equifax is not sanctioned and fined more than they already have been.  Beyond breach; their systems are poorly ran - their completely incompetent and they never check fraud properly.  Leaving consumers to consistently have to waste time on via phone, mail and Complaints to this agency.   There’s a tiny collection from XXXX on my account,  It’s only $XXXX  but I never authorized this debt. If I had I would’ve paid it!  For gosh sake’s it’s only $XXXX but it’s not mine. I first tried to dispute because I’m not sure how it ended up onReport.I never approved nor signed for this service. Yet once again Equifax fails to ask for proof in writing. I demand written proof with my signature approving any and procedure for this date of service. I know it doesn’t exist because I never authorized service from this company from this time period.My demands1. Demand of proof of signature or authorization of service.2. Removal immediately - Since I know I did not authorize this they should be immediate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX and XXXX with Experian, XXXX and XXXX with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( Experian and XXXX ) 2. XXXX XXXX XXXX ( XXXX ).
Product: Checking or savings account

On XX/XX/XXXX, I noticed a withdrawal from my personal checking account with Huntington Bank for {$1800.00}. The electronic version of the check that appears on their website has a name and account information that is unknown to me. I called the bank at XXXX CST to report the issue. During the 30-minute conversation, I was largely placed on hold. At the end of the call, I was told that the issue was caused by a machine glitch, so a stranger 's withdrawal was taken from my account. The issue was allegedly escalated to a supervisor, but I was instructed to visit a branch in person to resolve the problem. I visited the bank location on XXXX XXXX in XXXX, Wisconsin on XX/XX/XXXX around XXXX CST. I was told that the problem could not be resolved at the branch, but a case was created for it, and it could take up to 3 days to handle it. I immediately called Huntington again at XXXX. I was on the phone with them for 21 minutes again, largely on hold. They said that another case was created for it, and I may not get my money back until XX/XX/XXXX.
Product: Mortgage

{$380000.00} paid to Indymac/Ocwen to pay off XXXX balance. 
You may refund the remaining escrow and remove the second extinguished I will NOT pay you or the next servicer for the duplex and {$110000.00} escrow XXXX XXXX stole from me. You need to refund the {$150000.00} XXXX XXXX XXXX did NOT give to me and the I do not owe. ( {$310000.00}. ) They need to refund the payments I made to prepaid credits. And reinstate the remaining prepaid credit that was stolen. ( Especially any money used to {$67000.00} escrow to my duplex. ) And I did not owe any one the money I paid to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a disrepute letter against XXXX XXXX to Transunion. Asking that the negative report be removed from my credit report! ( Which Transunion refused to do ) I shared documents to back up the facts ( which Is I own the automobile ) no  debt is owe on the account!
Product: Debt collection

I called and spoke with two agents today at XXXX XXXX  CST when I received a notice that Sequium Asset Solutions , LLC has placed a derogatory mark on my credit report. I was told twice, that my information, an old account that had a debt owed to XXXX in XXXX of XXXX was paid directly to XXXX and not Sequium Asset Solutions , LLC, was accidentally placed in a file to report to the credit bureaus a debt was owed. 

I requested various times, a letter/statement be sent to me stating that the reporting of this information was a mistake and was incorrect. Instead I was offered a letter stating that the debt had been paid in full, which is not the same thing. My requests were ignored and disregarded, I am in the process of becoming licensed as an attorney and this is detrimental to that. I explained to the agents what I needed and how my credit report has not been updated as of XX/XX/XXXX. I was told that they, Sequium Asset Solutions , LLC, placed a request with the credit bureaus on XX/XX/XXXX however, why hasn't Sequium Asset Solutions , LLC, sent out any notice and why are they keeping records on file to which things like this can happen.
Product: Debt collection

On XX/XX/XXXX, I was contacted by Nationwide Recovery regarding an amount owed of XXXX from a hospital visit on XX/XX/XXXX. During the phone call, I did not remember a hospital visit of XX/XX/XXXX. I advised the representative ( who was extremely rude ) that I would contact my XXXX XXXX XXXX ( XXXX   XXXX ) which he became very upset and did not want me to contact them. I contacted my Insurance Company to verify. I was told by my Insurance company that they did not pay the co-pay of XXXX and that it was my responsibility. I have GAP coverage that pays copays so I contacted the original creditor for XXXX XXXX XXXX ( XXXX Hospital ) and paid the amount online on XX/XX/XXXX. They sent me a receipt and my insurance company sent me a claim summary. I was told by XXXX at hospital billing that this account will now be closed and that the collection agency will be informed in 24 hours. I then submitted the claim to my GAP insurance XXXX so that i can receive reimbursement. I received a call on XX/XX/XXXX from Nationwide Recovery. It was the same manager who I spoke to on XX/XX/XXXX. I let him know that this account was paid directly to the original creditor. He became very upset that I did not pay through them. I explained that i had to pay it through the original creditor in order to be reimbursed. He reported the account to the credit agency out of anger the next day even though when he asked me for the receipt number, I provided it to him. This is very unethical. Even though the account was paid the representative still reported the account. They also received notification the account was paid from hospital billing on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation. 
I initiated contact with XXXX through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S  on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. 
Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to purchase a new car. I was on the XXXX site. On their site if you find a car you like you can also apply for credit approval. 
I was approved. One was with XXXX XXXX the other was through XXXX. 
I call XXXX they sent me a email with an approval number. 
I call the dealership XXXX in XXXX Ga that did business with XXXX. We spoke about the car reach an agreement on price. 
I told XXXX that I had a pre approval letter. I email it to them. They wanted to put my contact through some one else. I told them No that I was happy with term with XXXX. I said do not send my information to any other banks. I didnt want to many inquiries on my credit report. 
The car dealership XXXX sent it to at least 6 other banks. That now show up on my credit report. The dealership was trying to steer me to another bank. I said no. Long and short I have 9 new inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Contacted all credit bureaus : XXXX, XXXX, and XXXX about collections on my credit report. 
From the company : DEBT RECOV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ARE NOT MINEThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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: Debt collection

Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that Emerald AR Systems claimed to forward on XX/XX/18 CFPB complaint # : XXXX has never been received via mail or using CFPB. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately.

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I do not have a signed contract nor any contract with Emerald AR Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Emerald AR Systems. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the item listed is not removed from my credit report within 10 days.
Product: Mortgage

I applied for a loan modification, Rushmore mgmt.co agreed on XX/XX/18 but increased the payments by XXXX instead of decreasing the payments. The original monthly payment was approximately XXXX, new monthly payment was XXXX and they increased the interest rate. I did not agree to the modification since I could not afford the increased payments. 
I became unemployed on XXXX and my husband abandoned our home on the same day.
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 XXXX, Experian, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX  XXXX opened on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, a student loan opened with XXXX opened on XX/XX/XXXX under account number XXXX, and XXXX XXXX account opened at XXXX opened on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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.