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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX : XXXX, DEPT OF EDXXXX : XXXX, XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX. : XXXX, XXXXXXXX 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 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$2100.00} XXXX XXXX XXXX XXXX BALANCED {$2300.00} XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I, XXXX XXXX XXXX XXXX am filing a complaint against CAPITAL ONE AUTO FINANCE. 
Capital One Auto Finance has written this debt off of their books as a charge off. By definition : A charge-off is a decision by the Agency to REMOVE DEBT from Agency receivables , however, future payments MAY be received. Please provide me with a copy of the 1099C that was filed by your company and delete this account from my consumer report. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!
Product: Credit card or prepaid card

I purchased a XXXX XXXX device in XX/XX/2019 which required a monthly subscription. In XX/XX/2019 I attempted multiple times to contact the company to cancel the monthly subscription via the customer service number on the web site unsuccessfully. In early XX/XX/2019 I contacted Bank of America the credit card company for assistance in contacting the merchant. BOF A had only the unreachable customer service number that I attempted from the web site. B of A issued me credits for the charges in XXXX and the next few months, and continued to allow the XXXX XXXX to charge my credit card .At one point I was issued a new credit number and the merchant was still able to charge me services that I had been trying for 6 months to cancle. Bof A has refused to the last 2 months of charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of an account XXXX XXXX XXXX ) that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The account read ( XXXX XXXX ). Equifax failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and XXXX XXXX  are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from Equifax stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company XXXX XXXX XXXX  ) that Equifax furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. EQUIFAX WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. 
Respectfully,
Product: Debt collection

XXXX XXXX has been Resurrecting a FALSE DEBT by using Identity Theft of a FORGED XXXX XXXX XXXX that was never agreed to and never known to exist ; In XX/XX/XXXX - Presented a FORGED Signature lifted off a SHORT TERM AGREEMENT that was PAID. The NOTE was ACCELERATED by LENDER Countrywide XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX ADMITS in XXXX to having known of the Accelerated NOTE from OVER XXXX years ago. XXXX XXXX was named on MATRIX Creditors Matrix in a Bankruptcy Filed XXXX resulting in DISCHARGE OF THAT DEBT on XXXX XXXX XXXX brought forth a NEW FORGED NOTE for a different Principal Balance claiming FALSE DEBT IS OWED knowing that no Reaffirmation Agreement and also that the MATURITY DATE is recorded as XXXX last date XX/XX/XXXX and never decelerated. On XX/XX/XXXX Filed a NOD with a false DEBT claimed OWED for either XXXX XXXX OR XXXX XXXX and NEITHER is true. I have no DEBT owed. That I filed an Identity Theft Affidavit Filed XX/XX/XXXX WITH THE XXXX XXXX XXXX as informed by a Letter received in XX/XX/XXXX ; and with the FTC for IDENTITY THEFT XXXX XXXX On XX/XX/XXXX XXXX XXXX responded that " They already determined '' there was NO FRAUD ; Despite that a FORGED disclosure was already Evidenced by A Federal Judge on XXXX ; and ADMITTED as FORGERY OF MY SIGNATURE and a Forged Note Affidavit once a new internal Loan was claimed to exist and falsely claimed to be recorded in XXXX XXXX RECORDS -- NO DEBT/LOAN is recorded and this is IDENTITY THEFT. 

XXXX XXXX has not responded to the issue of FORGERY but for claiming they " At some earlier '' point before having received the AFFIDAVIT OF FORGERY to state that they decided it was already decided where never has this been brought forth until XX/XX/XXXX AS IT DID NOT EXIST. I in XXXX, having received THAT odd response where the FORGERY WAS PROVIDED, and called XXXX and informed that I needed to FILE A POLICE REPORT with AFFIDAVIT. I am Attaching that IDENTITY THEFT AFFIDAVIT provided here. The Identity theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my dispute is because of several unrecognized fraudulent 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. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANIT XXXX FL XXXX XXXX XXXX XXXX XXXX SAUNT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX  10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC XXXX AND ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.
Product: Checking or savings account

I deposited a check for XXXX into my business account. They put a hold on it for 10 days. Before that the hold was only for two days but they said I endorsed the check wrong. When I went to the bank they checked to see how it was endorsed and told me it was fine. They told me there was nothing that they could do to change it. When I contacted the bank of the person that wrote the check, they said they were not able to give out information to my bank on whether or not there was funding. My bank is Regions and the person who wrote the check has XXXX. When I talk to the person who wrote the check the money had already left their account
Product: Student loan

My loan servicer is Mohela and my billing statement is supposed to go to my email but I have only gotten one bill last XXXX and nothing after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax need to delete XXXX and/or FKA ClickNClose mortgage ( account # XXXX ) from my credit report This account is incorrect and does NOT belong to me My mortgage is with XXXX XXXX  XXXX XXXX and therefore my credit report should be updated accordingly My loan number - account number with Rushmore Loan XXXX XXXX XXXX XXXX I have been with them since XXXX of 2020 I have requested this previously with XXXX and Equifax and they have YET to update my credit profile, this has resulted in denial of employment to me & has caused me financial stress I have been a victim of their breaches and their failure to remove the information can and will result in a lawsuit as per FCRA regulations Are they colluding since their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction??? 

This incorrect information has also caused a denial of extension of my own credit to me I disputed this account also with XXXX & they fairly and accurately looked into this matter and have deleted it from my credit report SEE ATTACHED for proof of deletion with XXXX
Product: Debt collection

Company continually calls me trying to collect a debt I don't owe. Told them that if they felt I owed the money to take me to court, This last time I spoke to a gentleman that said his name was XXXX XXXX with Benjamin Chaise and Associates, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. I was very clear to ask not to call me again about this debt and he has called me again. I told him that I would report his calls to the appropriate authorities and now I am. The first time I spoke to him he was very rude.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX A XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My XXXX XXXX accounts have been paid as well as my auto loan. They are both my credit report in negative standing. My auto loan was paid prior to the company charging it off. Not sure why my XXXX XXXX card was on my report.
Product: Checking or savings account

Hi, my name is XXXX XXXX XXXX. Somebody stolen my check and cashed the money from capital one on XX/XX/2019. The total Amount is XXXX. Capital one refused to gave me the refund. They said I was waiting too long to contact them. I did wait 7 months to contact them after I found out. But this is not my fault. I already filed a complaint from CFPB before, Capital one says I need send them affidavit, but I already send it to them XXXX year ago. They wont answer my phone or return my call. They wont wan na resolve my problem. I will send them the affidavit again if I can get my refund. If not, I wont do it again
Product: Checking or savings account

Citibank for security purposes made a maximum of {$50.00} for next day institutional transfer.. Which is ridiculous. They should verify with me, if the transfers are legit before making that desition on my money.. or at least notify me. 
I learned after a few transfers failed. 
I have transfferes being aborted resulting in me loosing money, fees, and potentially credit report implications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter requesting that Equifax provide me with its method of verification. They have not done so, instead, Equifax just opened up another dispute and has not sent any method of verification to me.
Product: Checking or savings account

I have tried to close my account at Capital One for a long time, but they are not receptive and keep transferring me between different offices and never end up doing anything. I would have liked to change my name at the bank since my name has legally changed since I opened the account, but that is also impossible. I want to close the account now permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

innovis is reporting incorrect information on my reports.

1 ) XXXX account # XXXX 2 ) XXXX   XXXX XXXX XXXX # XXXX  3 ) XXXX XXXX XXXX account # XXXX  4 ) XXXX  account # XXXX 5 ) XXXX   XXXX account # XXXX  They are saying these account have been verified as belonging to me and none of them are my accounts. There is another person in the state of Oklahoma with similar social security number and same name that has been identified on my credit reports.
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$93.00} XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$890.00} {$1700.00} XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$6700.00} XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX  XXXX Balance XXXX : {$1300.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$50.00} XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXX XXXXXXXX XXXX Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX Act, 12 U.S.C. 5531.
Product: Debt collection

I 've contacted this collection agency numerous times requesting validation of a debt and they 've refused to abide by the Fair Credit Act and send me legal proof of the supposed debt. I have n't received an original contract signed by me and original creditor nor have I received an agreement between me and collector showing that I am financially obligated to them
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of unauthorized accounts and hard inquiries from my credit report. As a victim of identity theft and multiple data breaches, my personal information has been compromised, leading to the appearance of accounts and inquiries that I did not authorize. 

These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, they infringe upon my Constitutional right to privacy. 
I assert the following : Lack of Consent : I have not provided consent for the XXXX XXXX XXXX to report accounts related to my NAMED ESTATE. This is a violation of my Constitutional privacy rights. 
Absence of Contractual Agreement : XXXX XXXX XXXX XXXX has failed to produce any contractual agreement that binds me to the companies reporting these derogatory accounts. 
Failure to Verify : The credit reporting agency has not provided proof of verification for these debts, nor demonstrated compliance with all relevant laws and regulations in reporting them. 
Violation of XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX, particularly XXXX ( b ) and XXXX, you are required to conduct a reasonable investigation to determine whether the disputed information is inaccurate. Your failure to do so is a violation of federal law. 
Potential FDCPA Violations : If any attempts to collect on these debts have occurred, the inconsistencies and lack of verification may constitute violations of the FDCPA, specifically XXXX regarding false or misleading representations. 

I explicitly state that I am NOT demanding verification or validation, as I am not granting permission to contact any company. Per federal law, specifically 15 U.S.C. 1681i ( a ) ( XXXX ), these accounts must be removed within XXXX days of receipt of this certified notice, or the credit reporting agency will be held civilly liable.
Product: Mortgage

Currently I am in the process of going through insurance claim due to damages. Mortgage company is stating that i have to pay off complete amount due and other part of loan on fix amount, when its 13 year prior to being due. They have not sent me a new contract with them taking over the loan when they took it over and i called them wanting the new contract they sent me the old companies contract and said they followed it. They increased my mortgage and blamed it on my insurance company saying that what makes the amount go up or down. They stated that this doesn't come off with paying off early. This company files late charge before the month is due. Company 21st mortgage treats mortgages as debts not loans.