23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out this year ( 2021 ) that someone had gotten loans and credit cards in my name. I keep getting phone calls from debt companies about debt that's owed to them in my name. I contacted the company Best Egg and let them know I never ever applied for a loan with them in my name. I submitted my FTC report, my Police report and a letter telling them that the debt is not mine. They told me that they will not except my documents because the supplied the loan to me into a XXXX XXXX account that I do not have. I don't know what else I can do to prove that the debt is not mine. I went to the Law Enforment agency and the government fraud websites to prove my name and Best Egg is basically telling to go XXXX an egg unless I pay. The loan was aquired in XXXX for almost {$19000.00} dollar.s
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these XXXX bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.
Product: Checking or savings account

I was at the bank in XX/XX/2022. Requested to close accountt. As i found out later my atm has beed closed but my acount is still open and i can not drow my funds. bank accepts my sis payments and holds my funds charging me monthly fee. I called customer care they told me my card has never been activated which is ludicrous since made withdrawals in the past. I on the XXXX coast and I can not get my card replaced not get the money since I don't have any other income
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX about a debt for someone that I don't know. Around XX/XX/XXXX I went to their website and requested to be removed since I am not the debtor. After I made this request, I got calls on XX/XX/XXXX, XX/XX/XXXX ( twice ) and XX/XX/XXXX. After the call on the XX/XX/XXXX I called and spoke with someone about being removed, at which point he admitted I was not in their system and that I should receive any more calls from them. Since then I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

This creditor would not stop calling my phone and has contacted family members and showed up to my house. I have moved and change my phone number but my family still receiving calls.
Product: Credit card

On XX/XX/XXXX, I had a transaction for {$120.00} sent to a CashApp account I no longer use. I havent used that account since XXXX. I currently use a CashApp which is similar to my old account. I no longer have any information on that old account. I called CashApp to explain what happened that it got sent to the wrong account and if they could transfer the money from that old account to the new one. They explained they had no way of doing that and to contact the sender to cancel. I did that, but the sender could not cancel as to the transaction was already completed on their end. I called CashApp back and asked what other way I could get this resolved. They went on to say, the transaction had been completed and without me not having any verifying information I could do myself to get into the account theres nothing that they could do. They were able to verify who I was on both accounts, but refused to make the transfer to the right account.
Product: Credit reporting or other personal consumer reports

This notice serves as my lawfully written consumer complaint contesting the reporting privileges of each related data reporting furnisher, as well as any accepting repository, in regards to any claim for which the involved parties have failed to successfully respond to my demand for physical proof confirming that each claim adheres to federal and state mandates. Specifically, I am contesting whether the reports are made in adherence to unquestionable truth, accuracy, timeliness, completeness, and verifiable validity, with no deviations from what can be considered MAXIMUM POSSIBILITY compliance. 

I contend that the failure to demonstrate proof confirming that the reporting processes were certifiably compliant, and in full adherence to the Metro 2 Data Field Reporting Standards, is unlawful and unfair. Any omission or deviation from these standards jeopardizes the integrity of the data reported. If injury has occurred to my credit report, emotional state, or credit score, these circumstances are subject to legal action.

In this correspondence, I DEMAND PROOF of your purported accurate, complete, and compliant reporting of any negative information related to me. This is not a dispute against the claims themselves but rather a demand for evidence proving that the reporting process you used was conducted in a lawful and compliant manner. This ensures that all claims made were reported with MAXIMUM potential accuracy and completeness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since XXXX ). As advised by many experts, on Sunday XXXX XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.
Product: Vehicle loan or lease

XX/XX/XXXX 36-month lease obtained with US Bank , Purchase price of {$56000.00}. Put down {$15000.00}. 
XX/XX/XXXX Vehicle totaled in accident that was not my fault. 
XX/XX/XXXX Called to obtain payoff amount to use in negations with insurance company for settlement purposes. 
XX/XX/XXXX Received letter ( confirming phone conversation on XX/XX/XXXX ) that my payoff was {$45000.00} ( reasonably believed based on my down payment ) XXXX - Accepted settlement with The XXXX, they requested payoff directly to issue check. 
XX/XX/XXXX - The XXXX received a fax stating payoff was {$53000.00}. 
XX/XX/XXXX - I'm still waiting on an answer after multiple attempts at contacting for an explanation. 

I have called multiple times and their " Loss Department '' and they refuse to speak to consumers. They will only speak to Insurance Companies. I can get no explanations on how they can possibly determine that {$53000.00} is what I still owe. I have put multiple negative reviews on XXXX and that got riled enough to send a " response '' letter but that still did not address the issue.
Product: Debt collection

Ive returned the owes equipment on XX/XX/17. IC systems keeps calling me to return already returned equipment. I gave them the return receipt info and they still keep calling. Ive also asked them to stop cease and decease contact with me and they co tinie to call. Per my FCRA rights, this is punishable up to XXXX ... any other contact, I will enforce my right up to the entire XXXX $ per contact.
Product: Checking or savings account

On XXXX the XXXX they bank closed my account without notification and kept XXXX they will not return it. XXXX of this money was transferred from my XXXX XXXX XXXX  account to this account, and the rest is personal loans from friends and family for a XXXX XXXX XXXX. I don't owe any money to them yet they closed my account and will not return my money. On XXXX I went to the bank to withdraw money and was told they were unable to give me the money as my account was locked. XXXX I called bank of america customer service they say they are unable to give me money or information because the account is closed. The bank stole my money and I need it back. I have XXXX children to take care of. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received in XXXX and again in early XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( please remove these account accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX XXXX XXXX Acct # XXXX {$870.00} Opened XX/XX/XXXX ( secured loan ) XXXX  XXXX XXXX Acct # XXXX {$870.00} Opened XX/XX/XXXX ( secured loan ) XXXX  XXXX XXXX XXXX Acct XXXX XXXX {$640.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Acct # XXXX {$6700.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX Acct : # XXXX, XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct : # XXXX, XXXX XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX, XXXX XXXX XXXX Acct : # XXXX. Personal information : Incorrect name and address XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX. 

U.S.C.1681A states I have the right to privacy.

U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate information that Experian has furnished on my consumer report has caused me to be denied my right to extend credit. I have attached the letter that has been sent to Experian expressing the situation and I have also attached the adverse letters that I received when attempting to extend my credit. 
This has caused me emotional stress, financial stress and now I am starting to have issues with keeping food on my table to feed my family. 

I am reaching out to beg for assistance from the CFPB, I don't know what else to do. I have lost my vehicle, which was what got me back and forth to work so now I am unable to work, I am behind on my rent so I am in jeopardy of losing the roof over my head. I am in an extremely bad and terrifying situation. Please help me
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX & XXXX XXXX Date of inquiry : XX/XX/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 appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included XXXX attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that " 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. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
Plus the XXXX XXXX XXXX is reporting different fraudulent balances to different bureaus. It is clearly fraud and should be removed for that inaccuracy in itself!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX  XXXX XXXX  ( Harming ) Account number : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XXXX XXXX XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Checking or savings account

This is the second time I 've had to ask for assistance from the CFPB. I have many unauthorized ATM transactions on my Citibank checking account. I now have a small overdraft because of my missing funds and they 've threatened to close my account if the overdraft is not paid. I should have over $ 2k in my account. It 's been well over 10 business days since my dispute. They should at least provide provisional credit while they investigate. I thought that was the law?
Product: Debt collection

NewRez, is the company my complaint is directed towards. They have not paid my second Property Tax installment for the 2020 calendar year. They made a payment in the wrong amount to the XXXX of XXXX. Because it was the wrong amount the city never received it and has no record of the bill being paid. I received a letter in the mail informing me that the payment was due. I reached out via phone to new Rez and they assured me that it was paid. they showed me a page on the website where it showed a payment being made, the wrong amount. I have called them several times ( 5+ ) in the last week to get this fixed. I am told the department i need does not have a phone number and i need to email them to get it fixed. I have sent several emails again over 5 and i got a response saying it was paid. Which i then contacted the City of XXXX to confirm and they still assured me they have not received payment. I am in the process of refinancing and need this paid before the refinance is complete, or before the city puts a lien on my house for not paying my taxes.
Product: Credit reporting

ALL CREDIT AGENCIES CONTINUE TO VIOLATE FCRA WITH REPORTING PUBLIC RECORDS OF BANKRUPTCY 4 TIMES ON CREDIT FILE/ NOT MY ACCOUNTS/ ID FRAUD
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX  : Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a bankruptcy on XXXX and Experian credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact PACER as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Mortgage

Been fighting with CitiMortgage for a modification since XXXX ; Hired an attorney to assist ; Modification keeps increasing amount due which is unaffordable ( $ XXXX/month ). Now forced to short sale ; lender keeps losing docs & saying they did n't get them which delays process ; Lender did exterior appraisal only, inflating value without seeing inside work needed. Feel like they are purposely not trying to help me short sale house. They are discriminating against me and do not want me to keep my home as evidenced by the their unwillingness to work with me on both a modification & the short sale. I have been in the home for almost 16 years. Foreclosure sale scheduled for XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The Accounts As Followed ( XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX & # XXXX, XXXX Account # XXXX, XXXX Account # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was also impacted by the equitax data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

now with the security bleach of equifax i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..