23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX XXXX, I have been a victim of their data breaches, and I demand the following accounts be removed from my credit report. Unless you can provide me with Each and every document I am requesting, I Demand these removals of each account immediately. You have caused me financial distress, mental anguish, and ruined my reputation to obtain credit. Also please provide me with a written XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit reporting agencies are in violation of FCRA : 15 U.S.C. 1681a ( Definitions and rules of construction ).

15 U.S.C. 1681b ( Permissible purposes of consumer reports ).

15 U.S.C. 1681c ( Requirements relating to information contained in consumer reports ).

15 U.S.C. 1681e ( Compliance procedures ).

15 U.S.C. 1681s2 ( Responsibilities of furnishers of information ).

Privacy Act of 1974 ( Public Law 93-579 ).

Public Law 90-321 ( 82 Stat. 146 ).

in addition..I am writing to request a detailed list of all entities that have accessed my credit report from your credit bureau, including the names of the parties that requested my credit report and the dates of these inquiries. This request is in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to know who has accessed their credit information. 

Furthermore, I request proof of my explicit written consent for each inquiry made on my report. Under 15 U.S.C. 1681b, my credit report may only be accessed for permissible purposes and with my consent, where required. Therefore, I request that you provide me with documentation showing that my consent was obtained prior to each inquiry listed. 

Please provide me with the following information : A list of all entities that have accessed my credit report, including names and dates of the inquiries. 
Proof of my written consent for each inquiry, including signed authorization forms or other documentation that show my consent to allow these parties to access my credit information. 
If applicable, documentation of any permissible purpose under the FCRA for each inquiry. 
If any inquiries were made without my consent or without a valid permissible purpose, I request that they be removed from my credit report immediately. 

As required by the FCRA, I am entitled to this information, and I expect a response within 30 days of the date of this letter. If the requested information is not provided in full, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.
Product: Debt collection

I contacted Midland Credit Management Inc regarding erroneous information that is showing on my credit file, however, this company refuses to send detailed information validating this debt. I have requested multiple times for Midland Credit Management Inc to forward a detail of the charges including original creditor to the address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX app. 
Kick off. 

These are the credit repair service that said I took out a loan. But there was no money transactions directed to my bank account or received in the mail of any cash currency I borrowed. I already paid my fees for both these services and requested my account to be closed and I no longer wanted there service. A month goes by I get something on my credit report about loans I owe from both these creditors regarding that I took a loans from there company, which I never received. I wish I had a loan company let me borrow money. I wouldnt have to fix my issue with scams like this charging me after I closed my account with these two company a couple of months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.
Product: Mortgage

I have been filing unemployment off and on since XX/XX/XXXX. After depleting my retirement, I notified my mortgage company of the financial issues I was having and my unemployment status. 
My mortgage company offered a modification package that was quite involved and tedious. I submitted all of the paperwork at their request only to find out I was not eligible for the program because I was unemployed. Several months later, I asked my ex- husband, an attorney, to get involved. He contacted the mortgage company only to have the same program offered. Again, I was not eligible for their modification program since I was unemployed. On the verge of foreclosure, liquidating a few personal assets, I was able to keep my mortgage current until XX/XX/XXXX. I am now almost in foreclosure, again. Again, I contacted my mortgage company on or about XXXX/XXXX/XXXX and spoke with XXXX XXXX XXXX ext XXXX, who explained that I was likely eligible for an unemployment program offered through Nationstar that would lower my mortgage to {$50.00} a month until I was able to obtain gainful employment, again. 
He explained that he would escalate the program and asked me to call back Friday or Monday of the following week. 
When I called back Friday, XXXX XXXX was available but said he would need to call me back. I never heard from him so Monday I called Nationstar again and asked to speak XXXX XXXX who was unavailable. I cant recall exactly what she said when I spoke with her but essentially she said that I would not qualify for the program. At that point, I became quite angry and unprofessional and eventually hung up on her.
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX Card # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # No Account Number Provided, 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 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

I mailed in a letter to close my account. They never Received it due to that only being a payment address. I only found that out when my credit monitoring alerted me an account went 30 days late and I contacted them. The rep told me he could close the account because the amount showing due were fees only, not an actual balance. I explained to him I was affected by COVID-19, he spoke with supervisor whom instructed him to transfer me to credit protection. I told him I never received any late notices or phone calls trying to try to collect so I assumed the account did close from the letter I had mailed. I spoke with a lady and she assured me due to my circumstances that my credit reporting would be corrected meaning removing the delinquent status that reduced my credit by 53 points. The credit protection is in place now however its still reporting 30 days late on my credit. I have disputed this with XXXX but they continue to report information is accurate. It is not! I want this delinquent status removed off my credit files. I have NEVER been late with this company in YEARS that Ive had the account. The reps that I spoke with at the company agreed and said it would be removed as delinquent.
Product: Debt collection

Ive sent letter to LVNV to provide validation and verification of this alleged debt. My letters have been ignored hovever when I dispute with the credit it comes back as verified and LVNV hasnt sent the requested validation that was asked for.
Product: Debt collection

I am requesting a copy of 1099c for this charged off debt, for tax purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to dispute the following negative items that were found on my credit report. After reviewing my credit report, I have found the following inaccuracies : The personal information regarding my current address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The personal information regarding my previous address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The negative item listed under the account number XXXX for XXXX is incorrect. I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. I request that you remove this harmful incorrect data immediately from my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. Therefore, I request that you investigate and remove these negative items from my report as soon as possible. I also request that you provide me with a written response to this dispute within 30 days. 

Thank you for your attention to this matter. 

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

I received a credit card from XXXX that I didn't apply for. The credit score was for {$300.00} and {$100.00} was already charged to the card. I did report to the XXXX  department but the moment I called Fraud department was closed so I had to contact them the following day. I contact Fraud department Saturday morning XX/XX/2022 and the account was closed and there was more information hared to me about how the account was open. The account was open online and the information I shared with the fraud department didn't not match with the information input online at the moment the account was open. The fraud department recommended that I contact XXXX and other credit score company to report this fraud and put an alert on my credit. So I contact XXXX and they recommended for me to make my repot to FTC and have you guys help with the investigation and help so this doesn't effect my crdito score.SO if you have any further questions please contact me I just don't want this to effect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 Colelction agency- XXXX XXXX XXXX  Balance : {$5500.00} I have contacted Equifax multiple of times asking to investigate this account on my credit profile and they just respond saying verified a identity therefore report was filed months ago as someone else was using my social so I went into the social security office and received letter XXXX XXXX and I continued to dispute it and all they respond saying is verified as accurate never sent any proof or why they are saying its accurate. This same account was deleted from XXXX and XXXX but Equifax is not doing their job correctly.
Product: Mortgage

Due to Covid 19 was laid off job and did not receive unemployment. Mortgage Co gave me 3 months defferal and told me it would be placed on the back of the loan. I was to pay only the payments due after the 3 maths. Now they are demanding all payments. I sent them 3 months payments and they returned it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was young and I didn't know anything about credit, once i got older i realized that my identity was used, i was not aware of this happening. i did not know anything about credit around the time this happened and i need this to be removed because it is hindering me of obtaining credit, apartments, a car and more. I have a fraud XXXXXXXX XXXX  on my credit report that needs to come off. I contacted XXXX and keep the getting the run around!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
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 XXXX XXXX XXXX. 
Account name : XXXXXXXX XXXX account # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX account # XXXX, has violated my rights.XXXX 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 XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Product: Credit card or prepaid card

I have signed up for the XXXX credit card a few months ago. 

One of the main reason I signed up was for the two bonus offers : 1. A {$50.00} XXXX gift card for sign up bonus 2. A {$75.00} Free game for spending over {$500.00} I received my first bonus offer, for the {$50.00} gift card but not the second one.

I have reached the {$500.00} threshold several times for the last 3 months since I received the card but they still will not give me my bonus offer I have reached out to the company several times and all I receive is a automated message telling me the qualifications of which I already know what the pre-requisites are I also tried calling and they told me to wait. Why it takes 3x months to receive a sign up bonus is beyond my understanding.

I have never had so much difficulty receiving a sign up promotion. 

I hope by reporting this issue, something shall be done. 

Thank you
Product: Mortgage

XXXX XXXX, dob XX/XX/XXXX was told that she had to take a loan to pay back " taxes '' that she owed. My brother coerced my mother to take out this own because she owed " taxes. '' My mother states she did not go anywhere to get a " mortgage '' on her home. States she did not even know she had a mortgage until her daughter got involved because my brother was evicted from her home on XX/XX/XXXX. After reviewing her " mortgage '' documentation, the information was faxed to my mother and she signed it. Not knowing what the document entailed. She thought that she was done paying the " taxes '' a couple of months ago and is now aware that she has a 20 year mortgage. 

XXXX XXXX had been Power of Attorney which was revoked on XXXX XXXX, 2019 New POA : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Mortgage

I've own my single family home for over 8 Years. in the last couple of years i have has financial crisis but have been paying my mortgage. i had a conversation with the Mortgage company about 1 month ago in regards to mail they sent me stating that i been late on my mortgage. The representative told me that my account showed no Mortgage payment being made. I went to my Bank XXXX XXXX XXXX and asked for a print out of all my mortgage payments and boom there they were. I need my account with PHH to go under investigation. Im in a serious XXXX and this company are going to be the cause of my death. I just received a notice to foreclose my home. i need your help. please
Product: Debt collection

I never received any notification about this alleged debt from Vance and Huffman  and was not provided with any documentation to validate it. I disputed this debt with XXXX and it was removed from my credit report. It was re-entered on my report 30 days later without any prior notification from XXXX.
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX  XXXX XXXX XXXX : {$5600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$63.00} Date Opened : XX/XX/XXXX
Product: Mortgage

XX/XX/2019, I was notified by Quicken Loans that an employee error occurred during the transfer of my loan to them causing 6 years of taxes on my parking spot to be missed. It has been a continued back and forth since. They were going to increase my mortgage to almost {$1600.00} from {$1000.00}. 
I informed them that I have recently been laid off, I am back in school XXXX and collecting approx {$300.00} weekly unemployment right now. 
I informed them what I can pay monthly which is {$1100.00} a month and its been a struggle since. 
I have never been late with payments. This 6 year issue they cause / is being forced on me to pay back at a payment amount that will force me into financial issues.

Before being laid off I properly planned for my annual increases. Not for 6 years of an issue caused by Quicken Loans. I am looking for help with this back and forth of phone calls, email, undue stress and anxiety. Today I broke down on phone crying and being upset. This is horrible. 
I was told to hold my payment past 30 days In order to get additional support from there resolution team which will affect my creditworthiness and lateness on my account. This is not an option.
Product: Credit reporting or other personal consumer reports

Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) ).

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Name of Account : XXXX  XXXX Rewards Credit Card Account Number : XXXX Name of Account : XXXX  XXXX Platinum Credit Card Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.