23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was a victim of identity theft and lost my wallet and phone. Someone deposited an check in my account that was altered and it was not me. I disclosed this information to Bank of America. They denied me to open an account and did not investigate that I had identity theft. A police report was filed regarding my information being used.
Product: Debt collection

I have been fighting with them for almost 1 year. Back and forth between XXXX and XXXX. They said I was paid In Full again for about the 10th time and now I call AGAIN and they say they need proof again of my equipment return. I have submitted and confirmed it with them multiple times and no exaggeration, talked on the phone for a minimum of 10 hours.
Product: Debt collection

In XXXX of XXXX I became aware of a low score on my XXXX Credit report. Upon investigation, I learned that there has been a company reporting a {$1300.00} debt collection on my XXXX report since XXXX. 
I have never received any correspondence of any kind from this company - CAC Financial Corp - XXXX XXXX, Oklahoma. I have never entered into a contract with this company and have no privity of contract whatsoever with this organization. I have never agreed to pay CAC Financial Corp - XXXX XXXXXXXX, Oklahoma any amount for any product or service. If CAC Financial Corp - XXXX XXXXXXXX, Oklahoma is attempting to collect a debt for some other company, they have not operated in good faith, in that : XXXX ) They have never communicated with me at any time, in any way. 
XXXX ) They have made no attempt to validate any debt with me, or obtained verification from me of any debt between me and any other entity or individual. 
If CAC Financial Corp - XXXX  XXXX, Oklahoma can prove privity of contract between me and CAC Financial Corp - XXXX  XXXX, Oklahoma, I request documentation to this effect. If they can not, I demand they remove their collection item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK so now we have to explain that so whats going on here is I just finished a claim and they gave me XXXX and it was for unauthorized accounts which I will explain on my other complaint because I am not going to let XXXX XXXX get away with us but the point of this complaint is that I want more money because first of all I had a credit card it was charged and paid off someone from a different department sent me the truth in a package shortly after the claim so whats been going on is after its been negative read the card that was on my credit report for so long I disputed it after I was looking at my old S and I saw that they were trying to sell this card I called the lady said they still needed to pay I gave him {$1500.00} so why is this bank statement that Im looking at XXXX messages this is why Im kind of upset so I wan na know why I have all these accounts open in my name not currently but they were back maybe a few years ago and I never close these accounts you guys are going to get sued lets just make this complaint be about unauthorized accounts and a credit card that they lied to me about and they ruined my credit I want my credit store fixed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my XXXX XXXX XXXXXXXX XXXX closed account incorrectly as settled, potentially negative with late payments. This account was opened in XXXX and was closed due to the store closure and the balance on the account was paid as agreed and never late. After I settled the balance with XXXX XXXX  making all payments on time as agreed I was notified by Experian my credit score had dropped XXXX points and when I checked my Experian credit report it reported the account as closed, settled, potentially negative with late payments. I opened a dispute with Experian in XX/XX/XXXX and was told the reporting is correct and I was referred to the merchant. In XX/XX/XXXX I received a letter from XXXX XXXX stating the account was being reported incorrectly, the account was settled with an XXXX XXXX, and a request was sent to the credit bureaus to remove the past due history. I have made several attempts to have the incorrect reporting changed, even after sending a mail in dispute with the letter from XXXX XXXX to Experian via certified mail.
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Representatives from the debt collector Hunter Warfield , Inc. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX ) have repeatedly called and harassed me over unpaid rent of my former residence in Miami, FL. 

Pursuant to the terms of the apartment lease agreement, " if the Tenant should decide to terminate the lease contract prior to said expiration date, the Landlord is entitled to an early termination penalty fee to be determined at time of move out ; however, the penalty fee shall never be less than 1 month of rent being charged at the time of the termination unless otherwise specified by the Landlord. '' Additionally, the lease agreement provides that upon default of rent, the Landlord may re-let the premises, resulting in my being " liable for the difference between any rent collected under the re-letting of the Premises and the amount that would have had to be paid as rent. '' Approximately two months after providing Landlord notice to vacate the premises, HW commenced a bad faith campaign against me to collect a dubious, unsubstantiated amount of debt I supposedly owe. 

HW should be investigated for their misleading representations over my debt in this matter, particularly in light of their negligence in failing to conduct the required due diligence before abusing their position of power as a debt collector to intimate me for an illegitimate debt amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX   XXXX XXXX ; XXXX XXXX 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: Checking or savings account

I would have the money then something would go though and they would say there wasnt enough funds and I would deposit it and they would charge an over draft fee. I never understood why a payment would go through if the funds werent there. If they let the transaction go through then any charge me the fee but thats not how they did it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .
Product: Mortgage

Respondent : Nationstar Mortgage d/b/a Mr. Cooper XXXX Texas XXXX Petition for equitable relief, equity will not suffer a wrong with out a remedy, and I have been wronged. 

On XX/XX/XXXX I sent a conditional offer to respondent 's alleged debt in the amount of {$4000.00} upon proof of validation/verification of the alleged debt. On XX/XX/XXXX I sent an offer along with 2 negotiable instruments with very specific instructions as an attempt to offset the alleged debt. My negotiable instruments have not been applied to the alleged debt nor have they been returned. On XX/XX/XXXX I sent another conditional acceptance of the respondent 's offer upon receipt of specific documentation validating the debt. On XX/XX/XXXX I received an offer from respondent for payment refuting my allegations of not being provided information to submit a debt validation request. However, the XXXX XXXXnformation that I requested was not provided on any statement I received. XXXX sent another offer on XX/XX/XXXX refuting my XX/XX/XXXX offer without returning my negotiable instruments acknowledging that only a check for {$1300.00} had been applied to my account. On XX/XX/XXXX I sent another conditional offer upon proof of claim that a valid debt exists. On XX/XX/XXXX a final notarized QWR offer was sent to respondent. 

The respondent has yet to provide said XXXX XXXX XXXX XXXX XXXX XXXX ) that can easily prove that an actual loan was given from " assumed '' lender to " alleged '' borrower. While a signed note is legally valid and enforceable against the signatory and the unsigned party can't be legally held accountable to the terms of the contract, what is so difficult about showing the accounting and proving the actual debt? Unless the accounting will prove there is no actual loan because there was no actual currency given? Unless my original note was securitized without my knowledge, indorsed by the bank and used as a deposit on their accounting ledger to fund my own " loan ''? And thus, I signed the note without full discloser under fraud? Further a unilateral contract is at best an imperfect gift, and it was never my intention to give my property to the respondent and demand its immediate return. 

Deeds of trust/mortgages conveying an interest in property are security instruments, they are not liens. When the lien is satisfied the securities, or if converted ( sold to a third party ), their value are to be returned to the mortgagor, along with THEIR GAIN. 

The lender ( s ) never signed the original note because they know that whom ever signed it would be admitting to lending fraud. If my suspensions are incorrect then validate the debt by show the XXXX and this matter will be closed. What are they hiding?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Employer : XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX. 

What would be a fair resolution to this issue? 

Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report. Please review the attached letter. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my XXXX credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file.
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly.
Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately.
The XXXX Credit Bureau needs to provide me with all documentation associated with these Public Records 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 from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX
Product: Debt collection

I was doing a credit review of my credit, and I seen this account was opened on XX/XX/XXXX. I have been incarcerated in federal prison since XX/XX/XXXX and was just released to a halfway house on XX/XX/XXXX. I have no acknowledgment of this account or how this was opened.
Product: Mortgage

On XXXX XXXX, XXXX a major flood occurred in Louisiana involving my home. I got behind on my Mortgage, but was able to get caught up by XXXX of XXXX through a repayment plan. After hurricane Harvey in Texas, business slowed and I got behind on payments again. I asked again for a repayment plan, but I could not afford such large payments with the additional late fees imposed. I sent a full payment for XXXX XXXX on XXXX XXXX through XXXX XXXX, but the payment was declined by the Mortgage company. I received the notice on XXXX XXXX of the payment being declined, so I contacted the mortgage company. The representative on the phone kept insisting that I was 4 months behind and refused to work out anything except a deed-in-lieu or a cash sale. A letter sent in XXXX of XXXX states they would accept partial payments by placing the monies in a pending account until there was an entire payment accumulated, yet they would not accept a full payment for XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently I found some account and inquiries which I neverautorize. For sure all of them are froud and must be remove frommy credit report as soon as you can. Please investigate andremove these accounts from my credit report or I will have torefer the matter to my attorney and take immediate legal actionagainst you. The constant judgments awarded against youcertainly demonstrate that courts are will not tolerate yourbullying tactics.I have made a lawful request of you to verify areport about me in my credit files. CC : Federal TradeCommission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOffice of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for FairCredit Reporting Department of Banking and Finance
Product: Credit reporting

XXXX XXXX that is damaging my credit score and it is incorrect information in my record. I never received any calls on this, and as soon as I found out I called XXXX. I spoke with XXXX XXXX representatives, and with the collections agency that XXXX uses and none of them saw an outstanding balance in my account. I would like it removed from my credit score as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}, and XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account XXXX ( please refer to my XXXX Credit report attached below ) in my name with Discover and XX/XX/2022 I notice my credit score drop by several points. I started to research what has changed and noticed my outstanding available credit was greatly different from the prior month on my XXXX credit report for XXXX than from XXXX and then compared the two report and noticed my opened Discover credit card account was no longer reporting to my XXXX credit report. It continues to report to XXXX and XXXX. I called discover several times regarding this issue in XXXX and was told to that they are reporting the card to XXXX and it's an issue in their system and wait until the XXXX to see if it reports since I did report that the card was stolen the end of XXXX I believe. I also called XXXX and was told they will begin to report the new card number in XXXX. The card still isn't reporting as of today and when I speak to Discover they direct me to contact XXXX and when I speak to XXXX  they direct me to speak with Discover. I have paid my bill on time since have the account for XXXX  years and attempting to close on a home in XX/XX/2022 so this is impacting me tremendously and would like to get this matter resolved.