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

Public records information was never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau and XXXX has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted. You needs to provide me with copies Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 15 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You went past that 15 days. It is required by law to give me full disclosure of information and description on the procedure. I wasn't given any proof. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Debt collection

they keep calling me from XXXX. 
They do not provide any information. 
Use my number XXXX, and provide all data attached to it in this complaint so I can review. 
Do not call me again.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - 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 Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning TransUnion will be liable to me for statutory damages for Trans Unions misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An accordance With the fair credit reporting act the list of accounts below violated my federal protected, consumer rise to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX has violated my rights. I looked at my Equifax report on XXXX XXXX XXXX XXXX and noticed some things were incomplete and inaccurate and according to the fair credit reporting act whenever a consumer reporting agency Prepare a customer report It shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 US 1681 ( e ) ( b ) And according to 15 USC 1681 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

Mountain Land Collections is reporting a collection on my account and it is erroneous. I had previously checked my credit and noticed this debt reporting on my credit file. I called and immediately settle the debt with them. The gentleman on the phone said once my payment was received they would be removing the collection from my credit file. However, it's been a few months and it is still reporting. Not only that, this is a medical collection. I NEVER signed a HIPPA patient release form allowing Mountain Land Collections to report this debt and that is a violation under HIPPA. This needs to be removed immediately. The debt has been settled & it is a violation.
Product: Debt collection

I moved from XXXX XX/XX/XXXX to XXXX. I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX. I had all of my services turned off at my old residence in Alabama after moving XX/XX/XXXX. XX/XX/XXXX, I was contacted by a debt collection agency Transworld Systems , Inc. stating they purchased debt from XXXX XXXX XXXX in the amount of {$160.00} that was dated from XX/XX/XXXX until XX/XX/XXXX. I explained that I did not live there during that time, as I moved to XXXX. They were rude and continued to harass me stating that this is my debt and I was obligated to pay. They began to call my cell phone incessantly and then found my home phone number and began to do the same. When I continued to insist that I did not owe the debt, they stated if I could prove I did not owe it, they would stop harassing me. So, I sent them proof that I had services in XXXX in the form of a letter from XXXX noting when I started service in XXXX and when that service ended, i.e. XX/XX/XXXX until XX/XX/XXXX. I thought that would stop the harassment, but it has not. They are now sending me letters stating that I needed to settle a debt I do not owe. The letter indicates that they are monitoring my credit to see when an inquiry is made. The letter uses intimidation tactics and states, " We hope that you are now in a better position to pay the above account ( s ). ". I do n't owe money to XXXX XXXX XXXX or Transworld, and I am not obligated to pay for services I did not receive. They are invading my privacy and utilizing my personal identifying information unlawfully by monitoring my credit actions and possibly lowering my credit worthiness by suggesting I am severely delinquent for a debt I do not owe. Your assistance in this matter is greatly appreciated. Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

EXPERIAN PERMITTING XXXX BANK TO COMMIT CREDIT REPORTING FRAUD ( XXXX ACT ) BY REPORTING STATUS AS CHARGED OFF {$3900.00}, AND RECENT BALANCE OF {$4100.00}. THE CORRECT BALANCE IS {$2800.00}, AFTER A INSTALLMENT PAYMENT WAS MADE ON XXXX/XXXX/XXXX FOR XXXX OR {$2800.00}, SEE ATTACHED, THE SETTLEMENT AGREEMENT IS $ XXXX {$230.00} OR $ XXXX BALANCEDUE. BECAUSE OF THIS CONFLICT IN BILLING I DISPUTED THIS WITH EXPERIAN UNDER XXXX 3 TIMES WITHOUT CORRECTION IN VIOLATION OF XXXX ACT.DELETE THIS ITEM TODAY OR BE SUED OR CHANGE TO DISPUTED UNDER THE FAIR CREDIT BILLING ACT OF XXXX
Product: Credit card

Complaint : Unable to cancel credit card Date of complaint : XXXX XX/XX/2024 Agency : Bank of America XXXX Credit Card Description : XXXX. Called @ XXXXXXXX XXXX  MT to cancel the credit card. 
XXXX. Via the automated phone system offered I selected " CARD CANCELLATION '' option XXXX. Call was transfered to a " HOLD '' line but was never answered XXXX. No verbal indication of " TIME on HOLD '' before connecting to an agent XXXX. After XXXX minutes, I hung up and redialed. 
XXXX. I re-attempted to cancel the card but again was never connected to an agent. 
XXXX. I tried the " INTERNATIONAL NUMBER '' printed on the card. This also failed to connect. 
XXXX. I attempted to reach an agent via their " CONCIERGE '' ( sales ) phone number featured on the credit card log on home screen. The sales agent transferred me but again I was upable to reach an agent who could cancel the credit card.
Product: Debt collection

To Whom It May Concern, I received a letter from Midland Credit Management , LLC. They have accused me of opening a credit card with XXXX XXXX in XXXX. I don't recognize the card nor the address on the bill. I have not lived in Arkansas since XXXX. I don't know anyone in XXXX, AR. I believe my identity has been stolen.
Product: Mortgage

My loan has been in some sort of weird status for over 7 years. There are several issues here. One, in dealing with SPS, they have claimed to be 'working ' with me for many years, however no matter how many documents I send to them they respond by saying they always need more documents, even the ones I have sent repeatedly, and it goes nowhere. The main problem is the loan itself, and how I can go about disputing the entire loan. If I can not work out this issue, where they constantly call saying I am deliquent, or saying they have turned it over to a lawyer, or that I am facing foreclosure or I need to sign short sale paperwork, then I need to fight back against them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of At least 120 days or more than four payments past due is incorrect because the balance due on this account is {$0.00}. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of At least 120 days or more than four payments past due is incorrect because the balance due on this account is {$0.00}. 
XXXX XXXX XXXX  Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of At least 120 days or more than four payments past due is incorrect because the balance due on this account is {$0.00}. 
XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

Please reinvestigate these matters and delete or correct the disputed information as soon as
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several charge-off accounts listed on my credit report. I believe these accounts contain errors and require further investigation. 

The following accounts are in dispute : XXXX XXXX  ( Account number : XXXX XXXX ) XXXX XXXX ( Account number : XXXX XXXX ) XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) I request that you thoroughly investigate these accounts to verify the accuracy of the information reported. Please provide me with detailed information Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I have reached out to XXXX XXXX on behalf of global XXXX XXXX services, which is reporting to my credit as a repossession of a car. I am a victim of identity. I have sent in all the information to provide that I am a victim of identity .I have sent in my police report all of my correct personal information. I spoken with one of XXXX XXXX representative by the name of XXXX XXXX she advised me that global lending services is not accurately verifying the information that is reported they have not responded to none of the letters that was sent to them by XXXX XXXX she also advise me that global lending services are just stating verify it with no proof. I also have requested the contract that was signed supposedly by me from Globa Leading services still no response but Globa Leading services is still reporting an auto loan to my XXXX XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A letter was sent to the bankruptcy court to ask why this information was submitted to credit bureaus. They stated that it was not submitted by them. That information was sent to XXXX XXXX to ask why this information was sent to the credit bureaus. They stated that they did not provide the credit bureaus with this information. Credit bureau will not remove the bankruptcy from my credit report.
Product: Checking or savings account

On XX/XX/ I was trying to get into my albert app account to close out my accounts since they decided they are now going to charge everyone XXXX per month for there albert genius program. Upon logging in the prompted me to " upgrade to there genius program. I did not want to join but was forced to. Now they will not let me cancel that subscription nor will they let me close my account they have also been unresponsive as of right now.
Product: Mortgage

I used Forbearance for COVID-19 for entire of 1 year, I have been told that I must pay this amount to bring my account up today to avoid foreclosure. I bought my property in XX/XX/2023 so in XXXX I ask for Forbearance due lack of Income and unemployment so I have worked since up to today with Loss Mitigation and in several occasions the property was listed with a sale date but after I worked with them they stopped foreclosure procedures. Yesterday XXXX, XXXX  received another letter saying the deny one more time my loss mitigation appeal that I have submitted. So I was informed by customer service at Flagstar that I can re-submit an application for Loss Mitigation. 

We want to stay in the property at the same time continue making payments to retain the property but they are telling us that we must pay the entire amount was accumulated during COVID-19 that wasn't our understanding. Please help me with those bad practices by Flagstaff Bank I have tried talking to them but nothing seems to happen, every day pass is more difficult for me and our family. 

This is the amount $ XXXX are require us to pay to be up to date including late fees and all associated charges. Please help us! 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report I noticed XXXX XXXX reporting a fraudulent collection account in my report in the amount of {$1000.00} with the account number XXXX, this account was opened up using my personal information without my consent. 

I also noticed an account from XXXX XXXX claiming a debt owed for {$2400.00} with account number XXXX that was fraudulently opened up without my authorization. I did not consent to my personal information being used. 

Attached is my ftc report along with police report detailing the fraudulent activity.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 car account loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan insurance account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a fraudulent child support identification theft {$23000.00} and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$790.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These 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 # ( private case number ) 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

My third request in attempt to obtain verification from the credit card co. about a consumer debt I'am disputing.. Certified letters were forwarded. As of to date, more than 30 days later, I have not received any correspondences from the credit card company..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. TransUnion and XXXX unlawfully furnish my information without my written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next XXXX business day as stated under law. 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 card or prepaid card

Kohl's/Capital One closed my account before my payments was 6 months/120 days past due. 
There was a payments made XX/XX/2023 in the amount of {$100.00}! 
XX/XX/2023 in the amount of {$100.00}. 
My credit limit was {$300.00}. 
My balance as of today is {$240.00}. 
I've contacted Kohls/ Capital One and the representative offered to remove the late fees, but wasn't willing to explain why my account was closed before the 6 months/120 days of not receiving a payment! I've never been offered a payment plan or the opportunity to reconcile my account. When I asked to speak to a supervisor, I was told the supervisor wasn't available. According to my credit report Kohls closed my account XX/XX/2023
Product: Payday loan, title loan, or personal loan

I do not recognize the credit agencies thats on my credit report I did not give permission for my information to be used wrongfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX Equifax FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX Equifax FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX Equifax FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX  XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that 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. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "