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

I took a look at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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. 
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 XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$760.00}
Product: Debt collection

This debt was being sent to a wrong address on file. It was updated at the time of visit but never entered into the system. I pulled my credit report and saw this on it. I immediately called and verified they had the wrong address and paid it right away and asked for it to be removed since this was not my fault. They said they would and it is still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to Validate if this account belongs to me according to the letter attached in this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

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 under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The Credit bureaus stated Account Name & Account, XXXX XXXX XXXX # XXXX, Account, XXXX  XXXX # XXXX, Account, XXXX XXXX # XXXX, Account, XXXX # XXXX XXXX Account, XXXX XXXX XXXXXXXX # XXXX, This is Identity theft because I didnt gave nobody written consent I didnt sign no paperwork. they violated my rights I wan na sue for every violation They said account not paid in full how so I use a Finance charge. Account, XXXX XXXX XXXX # XXXX 15 U.S. Code 1605 - Determination of finance charge Who give you the right to trying to control my credit yall just like any other business youre not government. Im not asking u Im telling u to delete them accounts 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Debt collection

I am writing to complain about a company XXXX XXXX XXXX, XXXX- XXXX XXXX. XXXX . I have recently received documents that I am being sued by them without even notified. For a vehicle that was released to their client Ford Motor Credit, LLC. Since then the amount owed has made its on my credit report and has affected my credit score negatively. XXXX XXXX XXXX have harassed me by relentlessly calling my mobile phone, calling my job. Ive changed my number because they would reach out on the hour, every hour trying to get me to pay back XXXX ( as if a guy working a XXXX  job has that kind of money laying under a rock. Ford motor credit is what shows up on my credit report but this law firm are the ones trying to turn rocks into gold.
Product: Debt collection

I am constantly getting collection calls from Portfolio Recovery. I have never dealt with this company. I got an automated call on X/XX/17 and two on X/XX/17 as well as numerous previous calls. I have told them I am on the Do Not Call List and to stop calling me but they are continuing to do so. I am a XXXX senior and this is harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card with XXXX XXXX  was opened in my name fraudulently contacted card issuer advised decision would be made in 90 days have not heard back until they reported account is delinquent on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX XXXX XXXX {$3000.00} XXXX   XXXX {$560.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX XXXX {$520.00} XXXX  XXXX {$120.00} XXXX   XXXX {$82.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX   XXXX {$310.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}
Product: Student loan

I sent Nelnet a letter asking for a debt validation/verification concerning the account they claim is mine, asking for the amount I owe, fees, and the original party making the claim. I sent this letter on XX/XX/2023 and haven't heard back and they're still contacting me trying to collect.
Product: Credit reporting or other personal consumer reports

See attached. Identity Theft Report and Report FRAUD to FTC attached. Fraudulent Credit Card Takeover by XXXX XXXX CREDIT CARD FRAUD posting false billing line entries & not my legal responsibility for their FRAUD. My credits are not charge offs.
Product: Checking or savings account

ADP XXXX XXXX intentionally disclosed my personal information to over 60 employees without my consent. Ive been asking ADP to refrain from these activities since XX/XX/2020. Since The disclosure of my personal information Ive been a victim of fraud and my safety at risk due to disgruntled employees whove made threats against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EQUIFAX - This is my dispute for your company. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2400.00} XXXX XXXX/XXXX ACCT : XXXX XXXX : {$4900.00} XXXX XXXX XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5500.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$670.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$1600.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I am writing to formally dispute several accounts reported on my credit file. I have previously requested debt validation for these accounts from the following collection agencies, all of which have failed to provide sufficient verification. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts must be deleted from my credit report, as continued reporting of these unvalidated debts is inaccurate and damaging to my creditworthiness. 

In addition, my personal information has been compromised in the recent XXXX and XXXX XXXX data breaches. As a result, my sensitive dataincluding social security number, financial account details, and other personal identifiershas been exposed on the dark web. These breaches have made me vulnerable to identity theft, and I believe my information may have been fraudulently used or mishandled in connection with these collection accounts. Due to the risk of inaccurate reporting and the potential for fraudulent debt, I request that all disputed accounts be promptly removed from my credit file. 

Accounts in Dispute : Jefferson Capital Systems Account Number : XXXX Balance : {$1600.00} Legal Basis for Deletion XXXX. Lack of Verification Under the FCRA These accounts were disputed with each collection agency, and none of them provided valid proof of my obligation to these debts as required under the FCRA, 15 U.S.C. 1681i. According to Section 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted from my credit report.

2. Compromised Personal Information Due to Recent Data Breaches As a victim of the recent XXXX and XXXX XXXX data breaches, my personal information has been exposed on the dark web. This breach has compromised my identity, and I have reason to believe that the accounts listed above XXXX be inaccurate or the result of fraud. Exposing my credit file to potentially false and damaging information places me at further risk of financial harm. Given this background, I urge you to take this matter seriously and remove these accounts from my report under 15 U.S.C. 1681c-2, which provides consumers with rights to block fraudulent information resulting from identity theft. 

Action Requested I request that each account listed above be deleted from my credit report with XXXX, XXXX, XXXX, and XXXX. 
Please provide a written confirmation of these deletions and an updated copy of my credit report, reflecting the removal of these unverified and potentially fraudulent accounts. 
Failure to comply with this request will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. I may also pursue legal action if my rights under the FCRA continue to be violated.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my credit card 30 days late on XX/XX/year>. That information is incorrect and I have never been 30 day 's late on this account. 
For proof I have attached two documents, the first is my credit card statement from XXXX on XX/XX/year> which shows a payment made on XX/XX/year> in a total of {$76.00}. The second document I attached is a copy of my credit report from Experian showing a 30 day late payment on XX/XX/year>, I have personally marked both documents with a pen so it is easier to find the information relevant to this complaint. Those XXXX documents obviously contradict each other and proves that my payment was not 30 day 's late in XXXX of 2021.
Product: Credit card

I recently pulled my credit to notice some unauthorized inquires and accounts which are a result of identity theft. These accounts are also violating my rights as a consumer under the Fair Credit Act and Fair Debt Collection Act. i did not consent for the creditors or credit bureau 's to report these accounts to my credit profile. This is Defamation of Character PLEASE DELETE AND REMOVE THE FOLLOWING ACCOUNTS LISTED : XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX
Product: Mortgage

I have lived in XXXX for over a year now ( XX/XX/XXXX ) and have applied for a mortgage thru XXXX XXXX XXXXXXXX and when they pulled my credit report, my name still shows on the mortgage note on my former house in XXXX and Vystar Credit Union holds the note. 
I was divorced per the attached marital settlement agreement - dated XX/XX/XXXX and completed the Quit Claim Deed recorded on XX/XX/XXXX. Per the XXXX- it states that " The parties agree to divide 50/50 payment of the mortgages and all other expenses relative to the property until entry of the XXXX. After entry of the XXXX husband shall pay the mortgages and all other expenses relative to the property without contribution from wife. Wife agrees to vacate the premises within thirty ( 30 ) days of entry of the XXXX. '' Our joint savings and checking accounts were closed per the XXXX. Both my ex-husband and I reached out to Vystar Credit Union with the XXXX and Quit Claim Deed and evidence that he has solely been paying the mortgage. And the Bank and I reached out to Vystar as well on a conference call, and Vystar said that in order to get my name removed, that my ex-husband would have to refinance the remaining loan balance ( Approx. XXXX ). Given the credit union 's charter in state of XXXX and their mission statement - " We exist to improve the lives of our members and the places we call home. We offer better banking products and personalized service to help our members reach their financial goals. '' I find this practice by Vystar to be not fair, nor transparent or responsible lending. This practice is deceitful and harmful to not recognize State of XXXX court approved legal documents to remove my name from the note.I also uploaded my lease in XXXX that further shows that I no longer reside in XXXX. I would appreciate any assistance as this is preventing my ability to purchase a townhouse in XXXX as well as causing alot of un-necessary mental and emotional stress on me. Further- I think if you reached out, you would find many others who have also been negatively impacted by their discietful and dishonest lending practices. Thanks.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$9000.00} worth of Bitcoin ( BTC ) through the Coinbase.com cryptocurrency exchange. The transaction went through and the cryptocurrency ( BTC ) is now held in an online wallet on the Coinbase.com site. 

I received an email from them dated XX/XX/XXXX ( attached ) that I could transfer my Bitcoin off of the Coinbase.com site starting on XX/XX/XXXX. It is very important to transfer any crypto asset off of the net and into a " cold wallet '' - a hardware wallet that can not be accessed unless it is plugged into a computer. Coinbase 's CEO brought up this particular point to the SEC when filing for an IPO. 

On XX/XX/XXXX I tried to " Send '' my asset to my cold wallet and the Coinbase.com site wouldn't let me. I contacted them through their support channel, followed all of their procedures correctly as outlined in their Terms of Service, and was told in an email from them dated XX/XX/XXXX that "... that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods. '' ( attached ) I have never received an explanation for this action on their part. 

So, they have effectively stolen my asset. I can't access it in any possible way. 

I have contacted them numerous times about this stating that I would gladly forego the use of their platforms soon as I can have my property. In their Terms of Service, Section 2.6.2 Control, specifically states - " You control the Digital Currencies held in your Digital Currency Wallet. At any time,... you may withdraw your Digital Currency by sending it to a different blockchain address. '' A cold wallet is a " different blockchain address. '' I have copies of all of the correspondence between myself and Coinbase regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My affirm account is open with a balance. It used to report on last balance but now it says account " closed '' when its open I called affirm & asked them to continue reporting account & payment history & they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I asked XXXX XXXX to dispute 6 accounts on my credit report that were collections. The investigation is still pending as of XX/XX/XXXX over 1.5 years I am unable to get trans union and XXXX  to unblock the freeze and XXXX XXXX says to contacts trans union and trans union says to tell XXXX. I give up but I am in in credit purgatory and my rights are being violated.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX To Whom It May Concern : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

Experian is reporting a late payment on my XXXX account. That entire payment was removed from my account as a result of being fraudulent activity. There should be no late payment shown.