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

I am a victim of inaccurate/fraudulent information reporting on my credit file. I am extremely upset that the credit bureaus are allowing this inaccurate information to be reported. My reputation as an consumer is being tarnished and it is causing emotional and financial hardship. I have tried to resolve this issue with Transunion directly but it seems as if I am not being taken seriously and my attempt to resolve this issue is being ignored. I have sent letters to the credit bureau for the last 4 months and I have yet to receive a resolution of the inaccurate/fraudulent items to be deleted from my credit file. My first letter was mailed out on XXXX of 2020 and I have sent several letters since then. After doing my own research I learned that the " Consumer Finance Protection bureau '' CFPB is the governing body over all credit reporting agencies. I am expecting you to help me resolve this problem and enforce your power to make the credit bureau do their job to not report inaccurate/fraudulent accounts on my credit profile that damage my credit worthiness and overall reputation. My rights as a consumer are being violated according to the " Fair Credit Reporting Act '' FCRA. I also did not give the credit bureau permission to report these inaccurate/fraudulent accounts so the must be deleted immediately according to the FCRA. Please help me resolve this issue to remove these inaccurate/fraudulent accounts from my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Unauthorized Use of Personal Information Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the fraudulent use of my personal information, including my Social Security number, date of birth, and name. These details were used without my consent to apply for multiple apartment leases, resulting in negative consequences for me. 

I have contacted each of the properties involved and emailed their property managers directly to address this issue. Unfortunately, none of them have responded to my inquiries, leaving me unable to resolve this matter. Furthermore, I have reached out to the debt collection companies associated with these accounts multiple weeks ago, but I have yet to receive any acknowledgment or resolution. 

This situation has severely impacted my ability to secure a place to live, as these fraudulent accounts are preventing me from moving into my new home. Despite my diligent efforts to resolve the issue by contacting the involved parties, I have not received the necessary support or responses. 

I am requesting the CFPBs assistance in investigating this matter and advocating on my behalf to ensure these fraudulent accounts are removed from my record. I have attached copies of any relevant correspondence, including my emails to property managers and debt collectors, for your review. 

Please let me know if additional documentation or information is required. I appreciate your time and support in helping me resolve this matter. 

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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After checking my credit report, I found several questionable accounts. I believe they're fraudulent and ask for their prompt removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Product: Mortgage

I spoke with XXXX XXXX office and they told me to contact you. ASAP I'm currently update to date on 1st Mortgage payment.. THIS IS ONLY ON THE 2ND MORTGAGE PAYMENT On the 2nd Mortgage payment this place is : REAL TIME RESOLUTIONS INC XXXX XXXX XXXX XXXX, TX XXXX harnessing me!!! They keep CALLING ME AND SENDING THREATEN LETTER THAT THEY WILL TAKE MY HOUSE, im a senior and XXXX years old, and my health is not good. There TRYING to FORECLOSURE ON ME. I NEED YOUR HELP IN THIS MATTER. I DID try to pay them but in XXXX everything went upside, and my wife had XXXX this is the 2nd Mortgage fell behind and I did make a few payment. Now today I received a letter date XX/XX/XXXX, they are threaten ne m since this Conv-19 have been going on, my funds are really low and very hard for me, I'm now XXXX  years l old and on a fix income of {$900.00}. I'm asking if you can contact the place that took over for XXXX XXXX  and have them to write it off and STOP with all the threaten letter and calls. Possible able to W/O to excuse this loan was back in XXXX XXXX XXXX  had it back XXXX, they closed down and the company is NO LONGER in business and XXXX  XXXX XXXX took over the 1st mortgage, but they did NOT take the 2nd Mortgage. Thank you so much look forward to hearing from you soon XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take proper precautions to secure my credit file in the event of a security breach. A security breach occurred on XXXX XXXX, XXXX and the public was not informed until XXXX XXXX, XXXX. Equifax needs to be punished for their clear negligence in keeping these records safe.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized accounts on my credit report resulting from a data breach. These accounts were not authorized by me, and their reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). The disputed accounts are as follows : XXXX ( Account Number : XXXX ) XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX ( Account Number : XXXX ) Issue : These accounts are unauthorized and were not opened or approved by me. They appear to have resulted from a data breach and contain inaccuracies and unverifiable information. 

This is statement affirming that these accounts are not related to any transactions I authorized Proof of my identity A copy of my identity theft report Identification of the disputed accounts
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sec. 602 states I have the right to privacy 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account without my written permission 15 U.S.C. 1681 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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

Accounts on my credit report have been paid in full and or satisfied. The accounts are still showing as open with balances against them. The items were disputed over 60 days ago and there has been no resolution or notice from the 3 credit Bureaus. They contend that there are still balances on these accounts which is inaccurate. The loan was shared with me and a ex-partner.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX collections Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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 written instructions
Product: Vehicle loan or lease

From XX/XX/2022 - XX/XX/2022 Credit Acceptance Corporation has called my cell phone XXXX times ( day and night ) about a car payment that is being paid. I have talked with representatives about this situation. So I'm filing a Consumer complaint against this company for Harrassment.
Product: Debt collection

I am a victim of identity fraud. Someone wiped out about {$100000.00} from my XXXX XXXX account by opening accounts in different banks and transferring money from the bank. Pentagon Federal Credit Union was one of the bank where part of fraudulent money was transferred. Bank did detect it as a fraud and put hold on the account when fraudster has opened the accounts. However, bank did allow the fraudster to do the bank transaction before account opening requirements were met like proofing documents. I have notified the bank of the fraud and transfer of funds to the bank. Also provided copies of police report and identity theft report. Talk to them couple of times to close the accounts and mark them as fraudulent. However, bank is keep asking for the money which I never received from them. Now they are trying to collect the money. Please see all written attached communication with the bank and reports provided to them. Also attached debt collection notices.
Product: Debt collection

I receive non-stop calls from Conn 's on my account that is XXXX days past due. The last call I stated that I overlooked the payment and would submit on the XXXX of XXXX. The response I received was " That means you still have the money to pay your account. Why do n't you pay it. '' I requested for the calls to stop and it was bordering harassment. I then terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Mortgage

I applied for the covid forbearance plan that I was eligible for they advised that I was and said I would get my letter within the next week. I later learn that I was denied the assistance for Covid forbearance due to the property management team stated that the property is vacant how can you deem a property as vacant when the lights are on when the water is on and the gas is also on is beyond my understanding. The property has never been vacant and each and every time I try to work with this company they insist on advising that they will work with me and later this is never the case they hire these people who deemed the property as vacant. We have had a lot of storms in MS and therefore due to the storms it looks as if the property is vacant due to all the trees and waste after the tornado and constant rain which has made the up keep extremely hard the company hires people who sell my information to seize my home during this state I have had an unlimited amount of calls and text messages due to the breach of information within this company requesting that I sign over the home or I sell it to the outside rep. The company is hiring employees who are working for themselves to seize homes from the home owner in order to make a side profit for themselves giving out confidential information that is not suppose to be given out it is a breach in credit information a breach in privacy information it is a breach within this company that if they are doing this to me I am very sure they are selling the information of other homeowners to investors and other institution without the homeowners consent or knowledge it is important that someone investigates this company and their lack of assisting the homeowner using skillful tactics as loop holes claiming the property is vacant in order not to offer the programs available for the homeowner to keep their home only trying to seize and sell to investors who are within the company as colleagues to make a side hustle off of the homeowners expense an immediate investigation into the skillful tactics of this company is needed using slick loop holes to deny such as vacant after this brings it to the bank as not eligible for assistance due to slick use of loop holes within the mortgage system.
Product: Mortgage

I have been working with Select Portfolio on a short sale of my property. My attorney and I have called numerous times and been told they are working on it. The relationship manager for my account is never available. I think that the lender is intentionally delaying the review and acting in bad faith. 

Please help me.
Product: Credit reporting or other personal consumer reports

I dispute this information two days ago for the third time the credit report come back two days later and said the information is accurate I am for anything that saying my name on it to send it nothing havent been sent to me the credit reporting is not doing a full investigation on these debt.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wo n't investigate an account and summarily responds with verified even while the account keeps fraudulently changing to remain on my report. I have called and disputed this multiple times to no avail. When I ask why the date of first delinquency has changed so as to remain on my report longer Equifax just offers to re-investigate and then sends a letter with the same response that the information has been verified  ( no explanation as to how or what that means ). I  am providing copies of an old dispute response from Equifax highlighting previous information reported along with a copy of what is currently showing on my report marked in yellow to highlight the discrepancies and to showcase how Equifax is knowingly reporting false information. In my old report the full history of the account appears, along with a much earlier first date of delinquency. In my latest report, the account history has been deleted and multiple inaccuracies appear, not least of which is that the date of first delinquency has been reported as MUCH later. This has been changed in order to keep the account showing on my report. Equifax is clearly not complying with applicable fair credit reporting laws and I will be hiring an attorney as my financial well being is severely hampered by the false reporting.
Product: Debt collection

I have a debt for {$290.00} for XXXX XXXX i did not have. I've never used XXXX home internet. I never will. After contacting them today I determined that this is an intentional fraudulent act on their part for several reasons. 

I filed a dispute with XXXX. The dispute was " settled '' in XXXX ' favor. They claimed I owed them the money. However, when I contacted XXXX they verified that there was no account with my name, address, or phone number. There is no way to verify a debt that is not linked to me. Someone needs to go to jail for fraud. It may seem petty to some people but this has destroyed my otherwise perfect credit and set my life on hold in many respects. 

I have no unpaid debts. While I'm asking you to investigate and determine the facts, namely that the account is not mine, I'm also asking for an investigation. This is not mere identity theft. This is a criminal act by thugs in suits who are surely doing this to many other people. Helping me here will likely help thousands of others inadvertently. 

To summarize. XXXX lied about the debt. They knew they were lying. Lying for financial gain in this way is fraud. Thank you for your time. 

Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.
Product: Money transfer, virtual currency, or money service

My PayPal account was first Frozen on XX/XX/2020 and has a positive balance of {$1100.00}. They are holding this money due to the fact that a previous PayPal account had gone into the negative and they are demanding that the previous account be brought current before they will release the funds of this current account. I have explained to them that with the coronavirus and everything else going on, the release of the funds and the current account are going to begin the process of resolution on the previous year 's accounts. I don't believe that this money should have just been taken XXXX an ultimatum on a previous debt.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
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 USC1681. 
XX/XX/XXXX15 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 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.