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

I attempted to file a dispute online but was blocked by the system. I am attaching proof of four inaccurate accounts from pages 3 and 4 o
f the XX/XX/XXXX Experian report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page 3 of the attached Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX . On page 6 of the XX/XX/XXXX XXXX XXXX report XXXX there is a XXXX XXXX XXXX  XXXX showing a last payment of {$0.00} being made and received in XX/XX/XXXX. It was reported as good standing in XX/XX/XXXX. 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account.

I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX XXXX XXXX XXXX XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Product: Checking or savings account

I applied for a bank account with HSBC using a promotional link on XX/XX/XXXX. The bank is claiming that I did not sign up via this promotional link and they are unwilling to pay my bank bonus, even though I have met all the requirements. This is common for this bank in particular. The link I applied via is listed below, and I have screenshots and a print out of the offer. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/15 at XXXX CT, XXXX XXXX XXXX left a XXXX second voicemail on my cell phone claiming a past due debt. The transcript of the voicemail is a follows : '' This message is for XXXX XXXX. If you are not XXXX XXXX, please hang-up or disconnect. If you are XXXX XXXX, please continue to listen to this message. There will be a three second pause in this message. By continuing to listen to this message, you acknowledge that you are XXXX XXXX. XXXX XXXX you should not allow anyone else to listen to this message because it contains personal and private information for you only. There will be a three second pause in this message. This is XXXX XXXX, a non-attorney collector at the law firm XXXX, XXXX. XXXX XXXX, this is an attempt to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX extension XXXX. " The collector did not state a past due amount or creditor. I have no past due amounts and am not delinquent on any payments. I understand that XXXX are in direct and deliberate violation of Federal and state consumer protection laws for failure to acknowledge any legitimate dispute and furnish documentation of the debt allegedly owed. I understand XXXX are in direct violation of Federal and state laws for intentionally misrepresenting jurisdiction of collection laws, for the sole purpose of attempting to disarm me of my consumer rights under Texas law. 

I would appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
Product: Mortgage

Because of long-term unemployment, after " no cause '' job loss, coupled with XXXX and attendant medical bills, I got behind on my mortgage. Servicer ( XXXX ) bought servicing rights from Bank of America, and immediately began sending foreclosure threat letters, then accelerated my loan. Much added to loan balance in the form of " inspection fees '' and " legal fees '', and holding my payments " in suspense. '' We are now at the point of state-mandated Resolution Conference, and application for loan modification. I have examined the recorded documents relative to my mortgage, and find evidence of robo-signing, assignments of which I was unaware, and now, there have been provided XXXX DIFFERENT versions of a " certified copy '' of the Note. This includes an unattached, undated " allonge '' and a double rubber stamped signature by XXXX documented robo-signers. There is no evidence of a Pooling and Service Agreement. Paperwork involves Countrywide, XXXX, Bank of America, XXXX, and XXXX. 
Something is not right. It appears that XXXX, the entity claiming ownership of Note, in fact, does not. 
I have received XXXX denials for loan modification, as well as an offer for a " trial modification '', followed by another denial for the same loan modification which was offered. These have all come via mail from the Servicer in a three-week period. 
The next Resolution Conference is scheduled for XXXX XXXX 2016, two weeks after my " deadline '' to accept the modification terms.
Product: Credit reporting or other personal consumer reports

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

I told/informed Experian, XXXX, and XXXX to XXXX and or remove these accounts : EXPERIAN, XXXX, XXXX DISPUTES XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX > {$500.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX {$720.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX > {$700.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXXXXXX XXXX XXXX  All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN.

All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information.

Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.
Product: Credit reporting or other personal consumer reports

*** THIS IS MY 6TH TIME ATTEMPTING TO GET THIS CORRECTED*** on XX/XX/XXXX I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
*** this is a clear violation under FCRA ** willful negligence in reporting i have provided 1099C forma to show there is NO DEBT and the credit agencies continue to allow incorrect reporting for almost 2ys and more in some cases i have attached : 1099c for 1 ) XXXX XXXX XXXX ( debt has been discharged since XXXX ) XXXX ) XXXX XXXX XXXX ( debt has been discharged since XXXX ) 2 ) Us Department of education debt has been discharged since 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. 
XXXX XXXX XXXX : # XXXX SAFE FEDERAL CREDIT XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, has violated my rights. 

And 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 ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 letter serves as a formal notice to Cease and Desist all reporting activities regarding the above-titled account, which to date remains DEFICIENT in its demonstration of a factually documented, PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIP OF RESPONSIBILITY ( XXXX ), VALIDITY, or adherence to the MANDATED PERFECT AND COMPLETE COMPLIANCE OF REPORTING, including the required XXXX XXXX FORMAT REPORTING STANDARD ( s ). 

As your firm is well aware, I have LEGALLY exercised my rights by contestingboth previously and currentlythe CERTIFIABILITY of COMPLIANT REPORTING for claims that are still not factually demonstrated with adequate verification of truth, accuracy, timeliness, or validity. These deficiencies pertain to the injurious claim and any supposed debt ( s ) associated with it, which remain unproven to date. 

COMPLIANT REPORTING of ONLY FACTUALLY VERIFIABLE AND VALIDATED CLAIMS is the MINIMUM STANDARD OF REPORTINGNOT AN OPTIONAL ONE. I DEMAND that you report FACTUALLY and COMPLIANTLY as required by both MY STATE and all applicable federal laws and standards of reporting. 

I have, in writing and by phone, attempted to ensure that the alleged COMPLIANCE OF REPORTING is CERTIFIED, so as to confirm without doubt the accuracy of the information reported to or by your firm. During this process, the acts of omission by this furnisher have proven substantially that the claim ( s ) and any related debt ( if any ), as reported, are invalideven if only due to deficiencies in reporting requisites. 

By ignoring my legal validation demand, the alleged data furnisher is in direct violation of the FDCPA, and you, under the FCRA, bear responsibility as the repository. Since the furnisher has knowingly violated both federal and state law, and I can document this violation, I am demanding that you CEASE all reporting activities immediately. 

Stop at once the reporting of the debt in question to any and all credit reporting agencies, and delete it from my credit report without delay.
Product: Debt collection

they 've been calling me for four mounths. I tried to cooperate and pay with them as long as they are legitimate company, First 2months i had no idea, so i asked them to wait me to figure it out from originally generated debt company. they didn ; t let me and pushed me to pay over the phone right away, also i asked them to talk in paper as well but i havent got any paper so far. 
AND i found CFPB to get some information to take care of it today the guy named XXXX XXXX call me and i asked company info, address, and lisence number. 
He REFUSED it BUT he has my information ( dob.address.and so on ) I don ; t want them to call me and get rid of my info thank
Product: Credit card or prepaid card

I never received a new card for my account. The account says closed on my credit report, yet they continue to draw money from my account each month for account services. I called to request a new card for the account and continue with my account on XX/XX/2021. They complied and said that I would receive a card by XX/XX/2021. I have yet to receive my new card. I would like an answer as to what will be done as far as receiving a new card. If they are not willing to deliver a new card immediately. I would like the account permanently closed and receive a refund for the amount drawn for the following months since the card expired in XXXX.
Product: Checking or savings account

XX/XX/22 received a email in regards to my account being put on hold due to suspicious activities on Chime that I have no idea of and was not even sent a warning. Chime then decides to hold my funds and close my account to tell me that my account may not be reenabled nor will my money be refundable. Poor communication with customer service and repeatedly telling me the same thing over and over to where matter still has not been resolved
Product: Credit card

I am disputing the collection account with XXXX account number XXXX dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX  provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and was shocked that there are unauthorized inquiries on my credit report. I don't know why they're appearing on my report so please check the documents I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts, inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX AUTO FIN on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX ACCEPT on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) 6. XXXX  XXXX AF on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX-XXXX-XXXX/XXXX.

Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a Notice of Dispute and a Request to Remove Inaccurate Information from my LexisNexis Accurint Report regarding the incorrect Possible Properties Owned by Subject ( XXXX ) to LexisNexis at XXXX ( See attached Supporting Document # XXXX ). On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Possible Properties Owned by Subject that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). On XX/XX/2023, LexisNexis responded to CFBP Complaint # XXXX with an attached letter titled cfpb XXXX XXXX XXXX XXXX XXXX ). LexisNexis ' response failed to address my complaint in any way. LexisNexis ' response addressed an entirely different matter altogether. LexisNexis actual letter was titled Re : CFPB Case # XXXX ( See attached Supporting Document # XXXX ). Interestingly, on XX/XX/2023, LexisNexis responded to a separate CFPB complaint and listed CFPB Case # XXXX in the reference line. However, once again, LexisNexis ' response failed to address the incorrect Possible Properties Owned by Subject in any way ( See attached Supporting Document # XXXX ). The incorrect Possible Properties Owned by Subject is still being incorrectly reported on my LexisNexis Accurint Report. This communication is my FIFTH NOTICE to LexisNexis regarding the incorrect Possible Properties Owned by Subject that LexisNexis continues to incorrectly report on my LexisNexis Accurint Report. This information is incorrect because I do NOT, and NEVER had, any ownership interest in XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. If LexisNexis believes that its reporting is accurate, please provide me with all source documents that identify the specific entity, address, and complete name and contact information of the individual whom LexisNexis spoke with, including the date and time, to confirm the incorrect information as accurate. If LexisNexis is unable to provide the required documentation, LexisNexis must promptly remove the disputed information from my LexisNexis Accurint Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!
Product: Credit reporting

1. There is an account on my report for services I never ordered nor received. 
2. There is an address on my report where I have never lived. My credit was used to open an XXXX account. I disputed the account years ago and filed a Identity Theft report with the XXXX Police Department.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to you once more to inform you again that I was the victim of identity theft. I have already filed a complaint at https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.