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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT
Product: Debt collection

A debt collection by the name of Spire Recovery Solutions are commiting a conspiracy against my rights by unknowingly obtaining my personal information in an attempt to collect an alleged debt from. They have violated my natural born rights by stating that I owe an alleged debt without providing proof of rights to the alleged debt. They have not received any consent from me to contact me or to even possess my information which is identity. I have corresponded in writing asking for proof that they can attest to on an affidiavit.
Product: Credit reporting or other personal consumer reports

Several credit cards have been taken out in my name that I have no knowledge of. The account are as follows.XXXX XXXX XXXXXXXX opened XX/XX/XXXX for the amount of {$2000.00}. XXXX  XXXX opened XX/XX/XXXX for the amount of {$450.00} which is now in collections. This complaint is being filed to request pursuant to FCRA that you the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of fraud and identity theft within a reasonable time frame of you receiving in this complaint. These accounts have resulted in several hard inquiries and collections on my FICO score profile. My FTC case number is XXXX for reference.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

I looked at my TransUnion 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: Mortgage

Trying to work with our lender on a loss mitigation application. They sent us the application with a letter dated XXXX/XXXX/17 with instructions to return within 30 days. We submitted electronically and sent the original documents in overnight mail, we me the 30 day deadline. The lender can not confirmed that they received it. They now say they need 37 days before the sale date to review ; when I told them the letter gave us 30 days ; they said it would take 5-7 days to upload, but they would review. The sale date is XXXX/XXXX/17. We feel that this is illegally dual tracking to force us into foreclosure when we have submitted an application to try to bring the loan current.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you updated these accounts and the items are being reported correctly? Who verified these accounts? 
As directed, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lost millions of identities due to their negligence. It is suggested to have Experian check the so called XXXX XXXX to see is your information was lost. 
Do it! 
You will see that the whole thing is fraud on the part of Experian. 
They find your email in a few places over the past many years and now to fix a problem We can have a free month. 
We must give a credit card number. 
A month later Experian will automatically rip everyone off for the next month and all months till the end of time. 

I have seen this profile on other rip-offs before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from XXXX and Equifax. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.
Product: Credit reporting or other personal consumer reports

Approximately on XX/XX/year>, an unknown person opened a store credit card under my name in another state ( Massachusetts ). That account was sent to a debt collection agency under the name of XXXX XXXX XXXX for an amount of {$1800.00}. This account was not opened by me and I have never resided in that state, nor do I know anyone in that state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX XXXX BALANCE {$20000.00}, XXXX XXXX XXXX  XXXX XXXX, ACCOUNT NUMBER XXXX XXXX XXXX BALANCE XXXX {$4900.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, XXXX {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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, EXPERIAN, XXXX XXXXXXXX XXXX, SSA XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have 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

These inquiry were not initiated by me, and I did not gave any consent to create those inquiries. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to support my claim.
Product: Mortgage

I have sent letters requesting that my homeowners insurance be removed from the payment as I am paying it outside of the mortgage and it never seems to get accomplished, I was sent then an additional form through the mortgage company and I signed it sent it back and it still has not been removed, in fact the company not only took out the annual homeowners insurance but they took out an additional XXXX over and then told me it was an error and I would have to wait for a refund from the insurance company. I then finally got the mortgage company to email me their form to remove the homeowners for the future and adjust my escrow and they assured me that they would and it is now another 9 days later and it still has not been removed and my payment is still with the old escrow amount. I have had 2 supervisors and many customer care people assure me they would take care of it. XXXX was the latest and he promised to call me on XXXX and I have been calling since and leaving voice messages and no one is responding.
Product: Debt collection

I have been receiving threatening and harassing calls from Premium Asset Services in XXXX XXXX, CA XXXX. They called my employers twice, today and yesterday pretending to be a mortgage company. I attempted to find out what they were calling about, they refused to tell me unless I confirmed my social security number. When I refused to confirm my social security number over the phone, they threatened to sue me and have may wages garnished. I was transferred their so called legal department and threatened with court proceedings as I did not want to confirm my social secuirty number over the phone, stated that they would not give me any information without doing so.Case # XXXX I checked my credit report, I do n't see any company by the above name. I have a discharge bankruptcy and my accounts that were in collection were included in bankruptcy and charged off. I have never dealt with any company by the name of Premium Asset Services. When I googled them, the information was that they are a scam company and they have an F grade on the XXXX. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I followed a link from the website of my bank, XXXX XXXX  XXXX, to XXXX. Of the 3 reporting companies, only 1 gave me a free credit report. XXXX required me to register on their website and pay {$.00} ; Experian 's link only had a message to " call us ''. 

Aren't XXXX XXXX Experian in violation of the law?
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I secured a 0 % interest from XXXX XXXX, XXXX XXXX XXXX XXXX This balance transfer was to help pay off my XXXX XXXX. They sent the balance transfer to Barclays. 
Check was for {$15000.00}, the other check was for {$2900.00}. I have tried to resolve this issue daily for the last year with no results. Barclays will not respond as I do not have an account at Barclays as a result, someone transferred me to a scam line calling themselves the FTC. 
The FTC scammed me out of about {$150000.00} saying that they would secure my XXXX that I was calling about the first place. 
I ended up being forced to secure a loan, cash out from my already paid for house. In doing so the loan company required me to pay off XXXX XXXX  ( I have been making payments all along, trying to act in good faith ) As well as my XXXX XXXX The scammers also cleared out all of my bank accounts via credit card scam. I am a XXXX XXXX  on a fixed income, trying to resolve this more than a year.
Product: Student loan

I have had two student loans with Navient ( used to be Sallie Mae ) since XXXX. Per the contract terms the payments and due dates were to remain the same. I have been paying these loans since I graduated in XXXX. I took 1 deferment during a layoff. However, two things happened that Navient did without my knowledge or consent. On XX/XX/XXXX they changed the due date on one of the loans ( the higher payment one ). Thus, making it late every month. They also changed my mailing address. I never asked for any mailing address change. The only way I even knew about any of these delinquencies or the address change ( XX/XX/XXXX ) was when I logged into my account to print out tax information. I did not report an address change with the post office or anyone else. In fact, I have lived at the same address since the day I was born. This is infuriating. Now today I received a letter ( forwarded somehow because the address is still wrong ) from XXXX XXXX XXXX XXXX XXXX  telling me Navient reported my loan in default! When I attempted to call the number on the letter a recording states that they are busy handling COVID issues and to go to the website for CARES act info. I have tried to resolve this with Navient and have used the email option so I would have a record of my actions. They refused to do anything to rectify their actions. This is not the first time I've issues with Navient. I also had issues with them refusing to change my name. I have been married since XX/XX/XXXX. They still have my maiden name on the loan ( XXXX ).
Product: Credit reporting or other personal consumer reports

Request to provide Method of Verification To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of XXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX  XXXX XXXX XXXX Account # : XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ), that is reporting on my Experian report. On XX/XX/scrub>/24, I requested a investigation because I felt the item is not being reported legally, and on XX/XX/scrub>/24, I received a letter stating that your investigation was complete. 

Please explain to me how you conducted your investigation! 

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. 
What documents were reviewed to conclude your reinvestigation? 
Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If you reply yes to the above then : Who did you speak with? 
What was the date? 
What was their position? 
What number did you call? 
What is the name of your employee that spoke directly to the above party? 
Were there any e-mails or written communications between employees of your company and the above party? 

If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 

This information should not come as a form letter response. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. 

If you choose not to provide the details or requested and required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

they send me an email states the money is coming out on fri and then they don't take the paymnt for at least five days esp. if weekends involved and once when It didn't clear they charged me a XXXX fee for late pymnt when it s their fault and I was assured then when I paid the late pymnt that wouldn't happen again and continues to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I have unknown addressses on my credit report and XXXX ( SPEEDY CASH ), has appeared without my consent. Section 604 15 USC 1681 B states credit reporting agencies dont have the right to report without my written consent. 

I received a copy of my credit report, and to my surprise they are reporting this account incorrectly. This collection account is being reported not only as OPEN, but also shows a pst due balance. 

Section 605 A 15 USC 1681 c-1 states without my consent, that is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Equifax after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this XXXX  account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to XXXX and Equifax on XX/XX/22. I believe they have failed to authenticate the account in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 


XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

On XX/XX/2021, I paid off my mortgage with United Wholesale Mortgage. As of today, XX/XX/2021, I still have not received any recorded documents related to my payoff such as discharge of mortgage.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims that XXXX # XXXX was VERIFIED AS ACCURATE. I received a response from XXXX  # XXXX on XX/XX/2023 that stated the company is no longer servicing this account and thereby is not possible to be verified. The correspondence from XXXX has been attached. In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.