23daVinci/CFPB_Complaints huggingface dataset:
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. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Credit protection association is trying to collect a debt ( # XXXX ) that does not exist on behalf of XXXX XXXX from XXXX. XXXX XXXX received the equipment in question and I retained the receipts when mailing said equipment back to them. When this debt originally populated on my credit report I asked XXXX to perform an investigation and to ask this debt collector to prove the validity of this debt This debt collector could not so so and the results were that the collection was removed from my credit report on XXXX/XXXX/XXXX. This debt collector is trying to collect under false claims. I need them remove this collection from my credit report asap.
Product: Credit reporting or other personal consumer reports

The accounts and inquiries below are all fraudulent and do not belong to me. Please remove them from my credit report. I have included the identity theft report as well. Please also update my address to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I don't have any other addresses. 

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 Please delete this address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed these fraud Inquiries below. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1980 I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/year> XXXX CARD XX/XX/year> XXXX BANK XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

This letter is a formal request to remove unauthorized inquiries from my credit report. I have n't applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
Please delete all inquiries made by XXXX XXXX, XXXX, XXXX and XXXX XXXX. That is over XXXX inquires and some are for the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to both the credit reporting agencies and the creditors about the account that was opened using my information, the account was not open by me, nor authorized to be opened by me. The creditor did not do a thorough investigation into to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent this letter. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately. Thank you. 
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 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: Debt collection

Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account # XXXX * Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. * The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in XXXX  has not expired. * Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.
Product: Checking or savings account

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and USAA are responsible for and culpable for initiating a fraudulent ACH WITHDRAWAL from my USAA checking account, & with NSF funding an unauthorized Market Trust Annuity account in my name. ACH withdrawal ( {$5000.00} ) from a XXXX balance USAA acct. ( XXXX, anyone? ) For a year this acct was active. After a week 's worth of trying to get an answer, this account has remained active while XXXX XXXX XXXX, continues to willfully withhold acct communication, forging my name on documents, accessing my social security account to issue a fraudulent XXXX, and finally, after being made aware of all of this made NO steps to correct, reverse, and take accountability. 
As of XX/XX/year>, the XXXX XXXX XXXX is indeed still open, active, and investing. No one will answer my questions, instead brush off my demands by assigning responsibility to XXXX, who points at XXXX XXXX, who says XXXX is the company that handles the acct, etc. This is outright fraud, and they are actively using " XXXX dollars from. XXXX '' but showing they got the $ XXXX ACH withdrawal from a XXXX  account. How are they trading, making investments with literally FAKE MONEY THEY NEVER HAD? USAA will not respond to me either.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure makes unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated by rights.
Product: Credit card or prepaid card

Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX my s s number is XXXX Im have a problem paying items at XXXX payl pal is preventing me from completing purchases because I dont have paypal or use it as I have been banned from paypal the most recent was XX/XX/2021 INVOICE DATE XX/XX/2021 ORDER NUMBER XXXX SOLD XXXX ( 1 item ) INVOICE TOTAL US {$120.00} Order XXXX XXXX XXXX Electric Guitar. Custom color, matte finish, Perfect See cancel details - INVOICE DATE XX/XX/2021 XXXX XXXX XXXXXXXX Electric Guitar. Custom color, matte finish, Perfect Status : The order was canceled beacause I couldnt complete the transaction all my creditcards are effected I can not us them
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 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: Credit card

For the last few months i been getting overcharged on late fees and interest charges.i am sending payments10 days before the due dates.but they keep stating they late or they didnt process the payment till after the date no mail should take 10 days.i has asked how they has arrived at these high charges i can account for about XX/XX/year> percent of charges but they has my cards at the max stating promotional charges.and it's so unfair.im being charged hefty interest fees and late charges and im never late.i was even told the late fees would be removed but nope bills went from XXXX range to XXXX plus range per month.i advised the companies of a identity theft and the could care less no one has tried to rectify these charges.and even thou they were not all mine i has tried to save my credit score but these companies lately seems like scams robbing the poor
Product: Credit card

A credit card was opened in my name on XX/XX/2012 with a balance of {$8300.00}. I wasnt aware that a credit card was opened in my name until I received a phone call from XXXX XXXX and I immediately asked them to dispute my file
Product: Credit reporting or other personal consumer reports

In the last 3 months I have continuously I mailed a dispute to XXXX XXXX Equifax and XXXX XXXX XXXX to remove the fraudulent XXXX  XXXX account for {$460.00} open XX/XX/2022 as well as fraudulent addresses listed below I have never lived or associated with the following XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX has removed the following fraudulent and inaccurate information from my report, but Equifax and XXXX bureaus have not. This an accurate fraudulent information is hindering my financial progress with my credit report.
Product: Mortgage

My mortgage is with Rushmore Loan Management Services. I fell behind during Covid due to loss of hours for several months at work. I work in XXXX XXXX and was considered an essential worker, so I did not get to be furloughed with pay. I have been working with Rushmore, and was given a Forbearance for a few months to help me save money. At the end of the Forbearance in XXXX, I was behind 10 payments. After 3 months of processing and correcting an error on their end, I was approved for a NY Term Agreement, where they put 6 payment on the back end of my mortgage. This left me with 4 payments I owe, totaling {$5400.00}. I have been trying to work on a loan modification for that amount, but the options they gave me are unaffordable. They wanted me to pay {$1100.00} for 3 months, and then they will raise my rate from 3.75 % to 7.875 %. I can not afford {$1100.00} per month. My point of contact person advised me to reject that offer, and say I want to spread the balance out over 12 mos..or put some money down, and spread the remainder out over 12 mos. I have agonized and done the math every which way I can think of, and I can not afford to have my payment go up over 12 months. 
I have worked hard to save money to bring my mortgage current. I have {$5000.00} saved up but this will leave me with no reserve, I am so nervous that if I have no reserve and something breaks in my house, or I become ill and can't work a day or two..then I have no savings to draw from. I spoke with XXXX XXXX for advice, and XXXX strongly advised I do keep a reserve, and pay what I can, and ask to put the remaining on the back end of my mortgage. 
I would like to put {$3000.00} down, and put the remaining {$2400.00} on the back end of my mortgage. I am aware they already put 6 payments on the back end, but this would enable me to bring my loan current and pay my monthly mortgage going forward. I am trying so hard to make this work. I am going to XXXX XXXX in XXXX so I can make more money and better my finances. I am trying. 

I appreciate your help. Thank you
Product: Credit reporting or other personal consumer reports

{$790.00}, {$790.00} {$250.00} {$1000.00} XXXX XXXX. All WRONG I contacted the creditor they stated this account does not belong to them. I then disputed the charges with the credit bureaus only to learn different amounts and open/closed dates showed discrepancies.
Product: Credit reporting or other personal consumer reports

Per my settlement arrangement for the above stated account, negotiated on my behalf by XXXX XXXX XXXX on XX/XX/XXXX, the settlement amount ( {$4900.00} ) was paid in full on XX/XX/XXXX. I have enclosed the supporting documentation, to include the agreement letter, payment ledgers. 
I request that you immediately update my credit file with all three bureaus to indicate the account has been paid as agreed upon and indicate there is no past due balance. As of XX/XX/XXXX, you are erroneously reporting a past due amount of {$5300.00}, and have not reported the XXXX payments of {$410.00}. 

Attached payment ledger has payments sent to Chase highlighted. 

I have filed multiple disputes with credit bureaus and provided documentation. No results from filing disputes.
Product: Credit card or prepaid card

I was charged an extra fee by a hotel that I didn't consent to, that is, XXXX XXXX in Nevada. I paid the full amount of my bill online through my XXXX card, and provided the receipt. Citibank denied my dispute, saying that I had to provide a credit card statement showing payment. However, there was nowhere to upload my card statement.
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX XXXX. In researching I found XXXX is a debt buying collection agency. XXXX has never provided me any information that this account is Valid. I have never provided with Forward Flow Agreement, Chain of Assignment, Purchase Agreement, Insurance Claim of Debt, my signature agreeing to pay or any other proof that I'm legally responsible for this account. On XX/XX/year>, I filed dispute with all Experian and Transunion and requested investigation of the account in question and asked for proof of method used to validate. Experian and Transunion have failed to verify the information properly as they have responded with generic " VERIFIED '' statement on my credit report without explaining their investigation process or correcting the errors. XXXX has violated my rights under 15 USC XXXX and Experian and Transunion has violated my rights under 15 USC XXXXi . I am asking from XXXX, EXPERIAN, and TRANSUNION the following actions through this CFPB complaint. XXXX. Conduct a proper and thorough investigation into this disputed account. XXXX. Provide me with a detailed explanation of the steps used to verify or correct the information. XXXX. Remove any inaccurate or unverifiable information from my credit report immediately.
Product: Credit reporting

There is a XXXX attempt to change or add an address in a state I am not currently living in since 2008. I tried to file previously online and never hear anything in response and it 's still showing. Now there is a XXXX address. How is this even continuing? Why is n't there better protection or trust for the honest?
Product: Credit card or prepaid card

Was on a reduced interest plan due to over extension in regards to bills, which appears to have expired in XX/XX/2019 with not written or phone communication informing us the plan was or had ended. I call in on XX/XX/2019 to speak with personal finance to apply for assistance again. My financial information was taken income/expenses over the phone, for an interest rate reduction. I was informed that I would hear something bad within a few days. On XX/XX/XXXX, I call back into Navy Federal and was informed there was no record of the conversation, and was transferred to someone to resubmit my financial. 

Please note that all payments were automatic electronically payments on the 1st & 15th of every month. I have been making the payment in good faith since the approval of the plan.
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 Bank XXXX : # XXXX, Extra : # XXXX, Dept of Education : # XXXX, US Dept of EdXXXX : # XXXX, XXXX XXXX XXXX IL # XXXX Credit collection serv # 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 have turned in paperwork and everything on net credit identity theft and yall still want remove other bureaus have removed also the 2 accounts in collections that shows XXXX  balance yall want remove but it has a XXXX   balance and is closed off so how is it in collection if I have a XXXX  balance.