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

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$53000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX, acting on behalf of US Bank, has filed two letters of delinquent debt on an account under my maiden name. I have contacted XXXX via letter on XX/XX/2019 for both accounts, # XXXX amount of {$220.00} and # XXXX amount of {$910.00} and notified them that unless they can provide a written contract for those accounts with US Bank, I will consider this a matter of stolen identity as I have had other accounts opened under my maiden name which I have never used for banking purposes. I had been contacted several times last year by US Bank to open accounts with them which I declined and it appears whoever was attempting to do so succeeded to creating these accounts without any authorization from me.
Product: Debt collection

XX/XX/XXXX. 

this debt was sold to IQ data collections without a written consent from myself and was latter reported negatively to my credit report. 
no known actions were made aware to my till XX/XX/XXXX. of XXXX that such an account of debt was brought to my attention. 
when contacted with the collection agency of XX/XX/XXXX it was brought to my attention that they not only had this debt against my credit but also increased the payment due to interest on said account I had no knowledge of. 
Also when asked for a letter for credit deletion they withheld and refused to provide me with any letter and any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not remove the false information off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, and XXXX XXXX has appeared on my credit report as a negative collection. 

I have no knowledge of this collection accounts. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code 1681b- Pe
rmissible purposes of consumer report. ( A ) ( 2 )
Product: Debt collection

On XX/XX/XXXX, I received a call from MCM Midland Management LLC. I never authorized MCM to contact me, I did not give MCM this cellphone number nor the creditor whom they are trying to collect for. I do NOT wish to receive harassing phone calls to my cell number/phone. 

I repeatedly receives phone calls before XXXX XXXX  and after XXXX XXXX, I receives repeated calls throughout the day, I have asked them to stop calling the cellphone but they continue to call. 

This is a new cell phone number. I did not give MCM this cell number nor gave them authorization to call this cell phone number. 

On XX/XX/XXXX, I asked the Representative where she was calling from '? She played games on the phone not wanting to tell me MCM is Midland Management. When I asked her, " What was MCM contact number ''? She gave me my cell phone number saying it fast so I couldn't understand what numbers she was calling out. Then I realized it was my cellphone number. This is NOT a game. I want the harassing phone calls to STOP. 


MCM can't prove that I own the debt that they care calling about.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I clicked on a link on the Amazon website to apply for a Synchrony Bank store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. 

On XX/XX/XXXX, I received an email from Synchrony Bank that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX  only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. 

I did not apply for a card with Synchrony, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. Synchrony Bank used a credit company called XXXX XXXX XXXX. 

I called Synchrony Bank on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. 

I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop Synchrony Bank and Amazon from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Got a VM from XXXX asking I call back, Phone : XXXX. I returned the call and found it was a debt collection agency. I was transferred to " the person handling the account '', so I left a VM. 

XX/XX/XXXX Having a lot of recent medical bills, I was concerned I might have missed a bill so called again, pushing the operator for information. He transferred to someone who did answer saying it was a XXXX account from XXXX, approx {$1800.00} dollars and how did I " want to take care of it ''. My reply was shock, and said your kidding the only XXXX account I had was like 15+ YEARS and YEARS ago, and more important was wiped during a Ch XXXX BK. 

After saying that, the rep hung up the call. I called again and asked for proof of debt, was again hung up on.
Product: Credit reporting or other personal consumer reports

I just ch3cked my credit report and I seen XXXX hard Inquires on my account one from XXXX loans and one from XXXX XXXX  card I contacted transunion and XXXX they had me reach out too you all I did not authorize any XXXX too pull my report or create a hard Inqiry which has made my screen drop tremendously also I got a letter from XXXX XXXX XXXX  services saying my account is in a data breach and offering free indemnity theft protection
Product: Credit reporting or other personal consumer reports

These accounts are incorrect and do not belong to me. I would like them removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX Late Date XX/XX/21
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

I have a current complaint with Wells Fargo. On XXXX the auto loan department took all of my money from my accounts. 
I had requested a payoff amount and they paid off the car. There wasnt that much money in the account. Now Im out of money and in the negative for over {$10000.00}.
Product: Debt collection

calls from : Owner Info for XXXX Landline Near XXXX, Ohio Issued by XXXX XXXX XXXX - Oh could be collection company called Diversified Consultants. Diversified Consultants, Inc. is one of the nation 's leading Telecom-specific collection agency specializing in the recovery of Wireless, Landline, Cable, Satellite and Security debts. 
Looking for a person named XXXX XXXX. I think I have had the same phone number for over 10 years and for 10 years at least 10 companies have been calling an asking about the same person. You would think that by now someone would suspect that XXXX XXXX is never going to answer. 
But what is worse they initiate voice mails with no messages. And call at least once every day. Surely some new laws and rules should be put in affect that can limit the amount of years to hunt someone down by phone numbers ... I 'm sure the money spent trying to collect this debit is 10 x what the ordinal debit could have been. 
Do n't removed the name named XXXX XXXX - she needs to know the far reaching consequences of her lame XXXX actions.
Product: Debt collection

On XX/XX/2014 created a " NEW LOAN '' to STEAL my homestead without my knowledge or consent. I HAVE NOT executed any loan documents on XX/XX/2014 with Nationstar Mortgage. Nationstar Mortgage created a new loan {$160000.00} committing mortgage fraud. I HAVE NOT MADE ONE SINGLE PAYMENT ON THIS ALLEGED DEBT AND I WILL NOT MAKE A PAYMENT ON THIS FRAUDULENT MORTGAGE CREATED BY NATIONSTAR MORTGAGE. NATIONSTAR MORTGAGE IS CREATING MAIL FRAUD, MORTGAGE FRAUD, SERVICING FRAUD, AND VIOLATING THE FEDERAL AND TEXAS DEBT COLLECTION PRACTICES ACT. As you are aware, Nationstar Mortgage is notorious for this type of fraudulent conduct.
Product: Mortgage

I was affected by hurricane IRMA. Bank of America had a program where you can miss a few payments but all payments would be due in XX/XX/XXXX. We elected to miss only one payment to make repairs to our home. In recent times, we received a letter from the lender stating payment will be placed in a forbearance account and not due in XX/XX/XXXX. We are very confused. We were assigned a case manager who has not called us back or accepted any of our calls. We have tons of questions! When you call the customer service number, you are re-directed to case manager who is never available so I have to leave a message. Can you imagine trying to get answers and you can not? When I put in my account information, there is no way to go to speak to anyone else. This is super frustrating! How can an organization as big as Bank of America not have an IVR system directly the clients to correct personnel when needed? I can not believe the level of service I received from them. I have all my bank accounts with this company and I wanting to switch due to the service or lack there of from the mortgage side. I pay my bills every month but yet I can not receive any service. This is not fair! Please fine this company.
Product: Debt collection

I am writing to you with an overwhelming sense of urgency and frustration regarding the fraudulent and negative accounts that have surfaced on my credit report. It has come to my attention that my identity has been compromised, leading to the inclusion of unauthorized and erroneous information on my credit history. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests I must emphasize the severity of this situation. I am a victim of identity theft, and it is both disheartening and infuriating that my credit report, a document integral to my financial well-being, has been tainted with fraudulent accounts. This is a blatant violation of my privacy and an egregious error that demands immediate and aggressive attention. 

XXXX XXXX - FRAUD, PLEASE DELETE!!!!!! 
XXXXXXXX XXXX XXXXXXXX - FRAUD, PLEASE DELETE!!!!!! 
XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I can not stress enough the urgency of this matter. Identity theft is a serious crime, and the inclusion of these fraudulent accounts on my credit report has the potential to cause irreparable harm to my financial standing. Failure to address this issue immediately will leave me with no option but to escalate this matter to the highest authorities, including reporting your lack of swift action to regulatory bodies and seeking legal counsel. 

I expect your full cooperation and an aggressive resolution to this matter within 10 days of your receipt of this letter. I will not tolerate any further delays, excuses, or negligence in rectifying this grave injustice. 
Consider this letter a final warning before I take all necessary actions to protect my rights as a consumer and victim of identity theft.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXX/XX/2023. 
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.
Product: Debt collection

A collection was posted on my credit report that is for an account that is not mine. The collection is for {$95.00} from XXXX XXXX. I have never had an account with XXXX at my current address, the account was my fathers, XXXX XXXX. I contacted the collection agency and they told me that my social security number was associated with the account, but that is not possible. The account is even under my fathers name. I want to have the negative information removed from my credit report Immediately. I am buying a home in the very near future and if this information negatively effects my ability to purchase a home, I will be seeking Financial restitution.
Product: Debt collection

Originally contacted by XXXX stating that I owed a debt on a credit card that I never opened. There is no signature of any kind attached to this account signed by me. Account was established by ex-spouse over the phone. Ex-spouse was allowed to open account in my name. XXXX claimed that the account was verified because the bills were sent to my address. They added a collection to my credit. Now XXXX has sold the account to credit control LLC, and I have to go through the whole thing again, and still have the collection listed on my credit. I am a XXXX XXXX XXXX XXXX veteran on VA XXXX. I refuse to pay a debt that I did not establish on an account that I did not establish.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this collection thats on my account and would like it delete from my account
Product: Mortgage

before the XX/XX/XXXXdue date as well as the second payment was sent before the XX/XX/XXXX deadline. On XX/XX/XXXX XXXX XXXX XXXX XXXX filed a mortgage foreclosure on XXXX XXXX XXXX 
Ocwen portryed they could assit me. Instead left me homeless and short on funds. 
Ocwen also retained Insurance proceeds which were due me for 4 years. They had just released the funds XX/XX/XXXX. 

Ocwen purchased XXXX XXXX back in XX/XX/XXXX. However XXXX XXXX XXXX initiated and completed foreclosure on XX/XX/XXXX. They also received a default judgement on XX/XX/XXXX. ( At his time I was in a XXXX XXXX XXXX and eventually XXXX XXXX XXXX XXXX XXXX ). 

Ocwen Loan Servicing has also been repoting incorrect information to the credit beaureaus since XX/XX/XXXX until present. A I have never understood how Ocwen Loan Servicing could purchase my previous lender XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. was able to foreclose. This does not seem fraudlent to me. I am very interested in getting my home back to my ownership if at prayerfully possible. 

I have attached paperwork and cases
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account XXXX. Was open fraudulently after my XXXX was stolen I have contacted all partys including XXXX XXXX and all XXXX credit bureaus at XXXX point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal XXXX XXXX report with law enforcement and attached a copy of the report to this complaint
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

My personal information was given to this 3rd party entity CONVERGENT OUTSOURCING, INC. that I do not even know or have never had any consumer transactions with them. I received written correspondence from CONVERGENT OUTSOURCING, INC. on XX/XX/2021. They are contacting me about an alleged debt that they say I owe. I have already sent written correspondence about this matter. I feel as if I have been violated which is not a good feeling. Just imagine someone taking something from you without your consent. What would you call that? How would you feel? What would you do? You would probably be doing what I am doing and more. I am so sick and tired of being taking advantage of. Especially when someone is willfully and knowingly taking advantage of me. Enough is Enough.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized and fraudulent inquiry that does not belong to me. 
It's concerning that TransUnion did not verify this inquiry as required by law. 

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

I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX