23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed bankruptcy on XX/XX/XXXX. XXXX XXXX continues to report to the credit bureau a balance owed of {$6300.00}. I start to request back in XX/XX/XXXX for them to send proof/documentation that what theyre claiming they were not included in bankruptcy be verified. My bankruptcy attorney sent them a letter to cease and desist in XXXX of XXXX. They continue to report to all credit agencies.
Product: Credit card or prepaid card

Had a Gap Visa Synchrony credit card with an outstanding {$6000.00} refund. Once they were bought out by XXXX XXXX never got the credit! 

Claim Numbers : Synchrony # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX XXXX # XXXX and # XXXX XXXX Complaint # XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sunrise credit services has been calling at least 4 times a day for a   XXXX   bill. I asked them repeatedly to stop calling while I 'm at work but they argue that I do n't answer after work but I have set up payment but I ended up not having the money in the account. I would set it up again but they wo n't quit calling me at work. They are also masking the number because I called it back one time a nd it was n't a debt collector at all.
Product: Debt collection

I, XXXX, XXXX XXXX, sent out a Affidavit of Truth stating the facts to PORTFOLIO RECOVERY ASSOCIATES , LLC via certified return mail ( XXXX XXXX XXXX XXXX XXXX ) which was received. I have two responses from them dated the same day, which is an insufficient/ incomplete response according to the the FDCPA. 

Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I NOTICE THAT THERE WAS INCORRECT INFORMATION ON MY CONSUMER REPORT PERSONAL INFORMATION. I HAVE ATTACHED A LETTER FOR THE THIS TO BE RESOLVED IMMEDIATELY WITHIN A CALENDAR DAY. INCORRECT DATE OF BIRTH, ADDRESSES, PHONE NUMBERS. 

THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX  Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX  Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD SEE ATTACHED FILES They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave XXXX XXXX NOR EXPERIAN written permission to furnish this account on my consumer reports. 

I have attached my waterfall and my bank statement along with my ID so do not send me a STALLING LETTER!
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Re : Equifax security breach : 1. Called the Equifax call center @ XXXX to place a freeze on my account but was instead directed to ftc.gov/XXXX which did not help me, as it only provides information on steps to take such as calling each credit reporting agency to place a freeze. 

2. Then tried to place the freeze online at https : //www.freeze.equifax.com/XXXX, but was unable to complete due to site not working. 

3. Also, signed up for XXXX XXXX XXXX through Equifax at XXXX and was supposed to receive a validation email, but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had extensive Fraud and incorrect Credit Card Reporting incorrect information. I requested a Freeze on my Credit Reporting but have not received a confirmation.
Product: Checking or savings account

On XX/XX/ I received an email from Wells Fargo welcoming me ( with my maiden name which hadn't been used in 7 years ) to online banking. I then received multiple emails telling me how to make payments, how to fund the account, that the account had dropped to zero. When I called customer service- one they did not believe me that I did not make an account. But then I had to fight to prove to them I never made the account. On XX/XX/ I received an email reading " URGENT : ADD MONEY TO YOUR NEW ACCOUNT '' After receiving an email about them closing the account. On XXXX I was sent an email about 'discovering the online banking world : On XXXX  I received another email about getting a one time offer, and on XXXX  I got a solicitation email. I never got a final email stating they had closed the account ( only that it was " Expected to close ''. I have since had to put a freeze on my credit because of Wells Fargo poor practices. I have a right to know if someone was in person and created the account, online, I have a right to know what " MY '' signature looked like. I have a right to understand how exactly they got MY information. Its also odd that they had MY email, a correct email, and used that to set up the account. Knowing I would get the information. I believe Wells may have bought information to make accounts to show deposit growth. 

XXXX XXXX XXXX XXXX The information they had included My CHILDHOOD HOME ADDRESS ( Hadn't lived there in over 7 years ) Maiden Name My personal email address
Product: Debt collection

Im writing in regards to a loan that is attached to my consumer reports named Conns Appliances and a Credit card named XXXX XXXX. I have no knowledge of the accounts written along with multiple enquirers on my report. My identity was stolen in the XXXX hack and my document will be attached to this complaint, Thanks
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Mortgage

My house was foreclosed even after the lender submitted a Cease foreclosure request to the Court Judge. 
This has been a battle since XXXX, I have done back flips to keep my house, made payments that were sent back, tried for loan modification and denied XXXX. Then enlisted a group called XXXX who stated there was a loan modifcation completed and the lender stated to me to hold a bit until the paperwork is complete. Instead the foreclosure was done and then reversed by a Judge in XXXX. Then I paid mortgage payments to the court for one year on time every time until it was loan modified again. The loan modification arrived with the payment amount changed {$200.00} higher thatn what was agreed. Then we set up a mediation hearing that cost me {$250.00} each time. I cancelled the XXXX XXXX due to XXXX XXXX XXXX ) and I also was short of funds to pay {$250.00} again to go in complete XXXX circles and getting absolutely no where. Then here come a foreclose action again. and the the judge gave another opportunity to get the loan modified. I worked extremeley hard to get XXXX plus papers to the lender and I had a verbal pre-approval. They waited the last 2 days before the Foreclosure XXXX/XXXX/XXXX to send Cease Foreclosure and stated they would complete the loan modfication by XXXX/XXXX/XXXX, Letter can be provided. Now, supposedly since it is foreclosed and is owned by XXXX for {$85000.00}, XXXX I paid {$170000.00} XXXX I am waiting for the lender to give me word on an Investor and they will in turn place it back in my name with a loan modification. This has been going on for 3 weeks. I call every week and often XXXX per week. The 30 day window is upon me to get an order to vacate the court order which occured XXXX/XXXX/XXXX. 
Other issues include from XXXX, Breaking and Entering and Theft : changing the locks and entering my house, taking items more than once, going thru my personal dresser drawers as things were shuffled around, leaving deadbolt unlocked, leaving garage light on, cutting off my water, cutting the grass, all in an occupied house. I was living alone and had to be gone 1-2 days due to elder parents illness but when I return to my home, these things were noticed. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and noticed some unauthorized inquires & accounts on my report and my right have been VIOLATED. In pursuant to 15 USC 1681 section 602A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. None of the creditors complied with the gramm leach bliley act ( 15usc6802 ) i was never given the ability to opt out and my information was used without my permission which is identity theft. The hard inquiries & a few accounts on my report constitute being identity theft as well because the corporations that furnished them on my consumer report never had permissible purpose or written permission by me to even put them on my report. the permissible purpose law ( 15usc1681b ( A ) ( 2 ) & the GLBA have been violated which results in identity theft. 18usc1028 ( a ) ( 7 ) defines identity theft which is someone possessing, transferring or using a means of identification of another person unlawfully. Failure to comply with FCRA can cost anywhere from XXXX to {$1000.00} per violation, in addition to punitive damages determined by the courts. With that said, these companies has not only infringed my right to privacy but also violated multiple Federal Laws. I have also reported this to the Federal Trade Commission, reference # XXXX. Below will be a proper list of inquiry names with dates & accounts that I demand to be removed/deleted from my consumer report immediately! 

XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX, XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX  ON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ACC # XXXX XXXX. XXXX XXXX ACC # XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ACC # XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to inform you that I have an erroneous item on my credit report. I have asked the company to send proof of documentation, but they have refused. 

I have also asked the three credit bureaus to verify the item, but they have not responded to my request. 

All they would say is that the company says it is real with no verification of the legitamcy of the item. 

I have a fraudulent entry, and they have not assisted in verifying its validity. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions ( XX/XX/22 & XX/XX/22 ) I have reached out to EXPERIAN and I have also reached out to XXXX on two separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. The accounts still remain and have not been fully validated by either credit bureau. 



Experian ( XX/XX/22 & XX/XX/22 ) -Account Name XXXX XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 ) -Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to a confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX XXXX XXXX, 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 the right to privacy.

15 U.S.C 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 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

In XX/XX/2019, I received a call from Citibank about my mortgage. The lender offered to improve my rate, reducing the rate init from the current fixed rate mortgage. He started the process without any signature, and when I received all the documentation in my house, I realized that the rate was fixed for a shorter period. I wasn't interested at all. 

I called him and wrote to him to honor our conversation or stop the process. I told him not to do the appraisal. I suppose he forgot it and didn't stop it. The bank charged {$1000.00} for the non-authorized assessment one week later. 

As of today, I am an excellent Citibank client, and I have allowed them to refund the money and solve the issue. Nobody has wanted to take responsibility for that, and after XXXX years of brach visits, calls and emails I decided to present this complaint. 

The lender tried to lie to me about the maturity of the mortgage. Later, despite being a Citibank employee, he introduced me to his wife, an independent mortgage broker. 

Finally, he sent me an appraiser, and he didn't refund the cost. 
Of course, the Citibank lender had a wrong behavior and made a mistake, but Citibank should have solved this problem immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$7300.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I am disputing the account NAVY FEDERAL CR UNION ( XXXX ) on my credit report, inaccurately listed as CollectionOrChargeOff, with dates XXXX and XXXX. This impacts my ability to get financing. 
Under 15 U.S.C. 1681i, you must verify accuracy. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, courts ruled that inaccuracies should be corrected. Please delete this account and provide proof of the {$15000.00}. 

they are violating my rights! I have listed the concerns about this reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have
Product: Credit reporting or other personal consumer reports

I attempted to request a freeze on my consumer report with Teletrack under the Fair Credit Reporting Act ( FCRA ). However, I encountered significant issues during the process : Teletrack did not allow me to upload my required verification documents online, making it difficult to complete my request efficiently. This limitation has delayed my ability to secure my consumer report and prevent unauthorized access. I provided all necessary documentation, including proof of identity and address, as required for a security freeze. Despite my efforts, I have not been able to successfully freeze my consumer report due to the lack of accessible methods to submit my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX, and I have never headed about a dispute, yet my dispute was for Membership Fees XXXX  that happened on XX/XX/2022, for {$64.00}. My case number Is XXXX and XXXX, and my cash app tag is $ XXXX. Please open my dispute and give me credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called creditor ( Syncb/JC Penneys ) to pay amount past due and they said they can no longer collect any money from me as this account is too old and they have already written it off. I have tried repeatedly to get the creditor to mail a 1099 so that I can submit along with this complaint with no success. This account still shows a balance and a past due balance of {$1100.00} and hits my credit report every month as a charge-off. I disputed this with XXXX, XXXX  and XXXX  with no success. 
Please help, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was denied a bank account for being in the early earning system and being fresh out of bankruptcy I dont understand how I could be in a negative status with any company being I no longer have any debts. I requested my report from early earning but they have not sent the information that I need to see what is going on and if I need to dispute anything on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT the information in my credit file ; however, there is still account that needs to be UPDATED. The 3 credit Bureaus require to validate the listed account. I hope this disputed account is updated. 
XXXX XXXX Balance : {$22000.00}