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

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX 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.
Product: Mortgage

I called Freedom Mortgage on XXXX XXXX in order to exit the covid 19 forbearance program. I was told that I would get a decision within 30 days. We were approved for the cap and extend motification. However they only offered to drop the interest rate and extend the loan only one month past the original loan date. Our mortgage would be more than what it was pre-pandemic. 

We have called aleast 7 times in the past month and each we get someone different and different information each time about our options for repayment and about what is needed in reference to our request to extend the loan out to 360 months and to get a lower interest rate. 

Each time we are told that our request was going back to the underwritter for correction and that we would receive the updated documents They keep assuring us that it will be fixed and we have nothing to worry about .Still over a month later we are dealing with the same issues and with no resolutions. Each person are telling us someting different and are promising to fix it only to call back again just to go through the same thing again after spending hours on the phone. We need help with resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage with XXXX XXXX XXXX  in discussing the interest rate they advise me that the rate was based on my credit report and that I delinquent with Chase Card Services acct ending in XXXX amt.  XXXX .... This acct has nothing to do with me it belongs to my wife XXXX XXXX and I was NOT an authorized user on this acct. I have contacted Chase and they have advice they will be removing this ERROR from my credit history with XXXX and XXXX ... I would appreciate if this error is removed as soon as possible from my record so that I may receive a better interest rate on my new Mortgage. Thank You, XXXX
Product: Checking or savings account

XX/XX/XXXX bank account was closed never received a letter as to why advised 30-60 days XX/XX/XXXX - was advised a check was sent by one agent then advised to go to the branch then advised they were not giving my money back then advised they made no decision I keep asking for a letter or my money they never have a straight answer or can help me Citibank has robbed me of {$7600.00}
Product: Mortgage

Experian ( and I suspect all XXXX credit agencies ) have decreased my credit score because an older unpaid loan from XXXX ( XXXX Account Number : XXXX, ) that had passed the time frame to affect my credit score, was purchased by XXXX ( XXXX, CA XXXX XXXX Account Number:XXXX 
This loan is too old to ( again ) affect my credit score. They are treating it like a new default and decreasing my credit score and ability to borrow. I believe that that is illegal. 
Besides, as I have recurrently argued, the property involved belongs to XXXX ( who informs me that there has been no foreclosure filed! ) XXXX somehow got the property in his name and left me with the mortgage ... ..
Product: Debt collection

I own a XXXX XXXX XXXX  for the local XXXX  here in XXXX. 
I obtained a XXXX XXXX XXXX loan from XXXX XXXX XXXX for my company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX over 2 years ago. I am a member of the XXXX. I was a Guarantor for this loan. I was not able to keep up with the daily drafts involved with this loan and I defaulted. Shortly after that, a collection company representing XXXX XXXX XXXX offered me a settlement to resolve the loan. A payment plan was agreed to. During the payment plan the original drafts started again, on-top of the new arrangement drafts. I was forced to close down for a short time and close my bank account because of multiple fraudulent payments presented against my account. I have since disputed this debt with XXXX XXXX XXXX. Now, over 2 years later, Triton recovery service has been emailing, calling, impersonating an attorney, threatening, harassing, and interfering with my business. They have contacted third parties, not on my application for a merchant, They have emailed and texted ( see attached ) my children, my brothers children, his ex-wife from 25 years ago, my employees, my sister-in-law, my XXXX XXXX  and others. After I replied to this person at Triton recovery that they are not allowed to contact these unaffiliated people ( see attached ), her response was she would continue to contact people on my application ( see attached ). None of these people are on my application, which indicates they have created a forged document. Yesterday their representative who had fraudulently represented herself as an attorney, called our office from multiple numbers, spamming it for over an hour to prevent us from doing any business. I answered the phone multiple times and told her she was interfering with my business and she had already called XXXX times. Her response was she doesnt care and shes called XXXX times, making a joke out of it. I answered the call and told her that we are an ambulance service and that she was preventing the hospital from being able to communicate with us. Her response was " pay your bills, I am not going to stop calling ''. I have repeatedly asked her to stop contacting me and my employees. 
I worry the emails and phone calls discussing my non-public private loan information to my employees has already caused, an uncomfortable work environment. Yesterday their representative called my office manager and asked her if I had a wife and for her contact information. Plus to knowingly shut my business down concerns me about what else these people may do. Below are some text messages and emails sent out to family members and employees that have nothing to do with my merchant cash advance loan. XXXX XXXX XXXX has all my personal information, including my Social, my driver 's license, my company tax ID number. They have even filed a Lien against my company so I don't see their contact of these third parties as anything other than harassment and intimidation.
Product: Mortgage

We submitted a short sale offer at {$200000.00} to GreenTree on XXXX/XXXX/2015. The file was assigned to a XXXX XXXX. On XXXX/XXXX/2015 GreenTree countered our offer at {$250000.00}. We received a copy of the BPO and the value was {$230000.00}. Our buyer increased their offer to the appraised value of {$230000.00} on XXXX/XXXX/2015. The file was transferred internally at Greentree to a new negotiator by the name of XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX sent another counter offer of {$250000.00} on XXXX/XXXX/2015. We have received an updated copy of the BPO that shows the updated value is now {$230000.00}. GreenTree is clearly committing fraud. based off the appraised value each time our offer met or exceeded value, yet each time GreenTree counters above appraised value.
Product: Debt or credit management

Will you please fully verify that the information reported is 100 % accurate. Otherwise, will you please remove from my account.
Product: Credit card or prepaid card

I have an autopay set up to draw the amount equivalent to a statement balance on a Citibank credit card from a connected checking account at XXXX. On the due date (XX/XX/2019) Citibank attempted to draw the balance from the connected checking account at XXXX. However, there were not sufficient funds in the checking account and the payment did not go through. I made a "manual" payment, in excess of the statement balance, and Citibank accepted it on XX/XX/XXXX.Despite accepting the manual payment, Citibank continued to attempt to draw the statement balance from the XXXX account two more times, on XX/XX/XXXX and XX/XX/XXXX, which resulted in additional overdraft charges applied to my XXXX account.In this situation, Citibank is a lender who returns again and again to demand money even *after* having been paid back. This activity results in exposing the customer to repeated overdraft charges from another bank. Citibank officers claim that "this is just how our system works," and that they "cannot reimburse overdraft charges from another bank." They also claim that their system does not recognize when the account is in the black—the bank just blindly makes three attempts at autopay regardless of any intervening payments even if the customer has already paid *more* than he or she owes.
Product: Vehicle loan or lease

On XX/XX/XXXX, I spoke to a salesperson, over the phone, at XXXX XXXX XXXX XXXX XXXX ; about about possibly purchasing a vehicle. A XXXX XXXX XXXX XXXX was pitched to me for {$29000.00}. I inquired if I was given all of the paperwork that I signed. I was told that the bank would contact me about the paperwork. I never talked to any bank How did they get my information without my permission? Flagship Assurance did contact me and I asked to see the paperwork. I never got the copies that I asked for.
Product: Debt collection

This debt is currently on my credit report for a payment and service that I don not owe.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally request that the following accounts and inquiries, which were fraudulently opened as a result of a data breach, be blocked and deleted from my credit report pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my knowledge or consent, and I am requesting their immediate removal. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with CashApp ( I don't recall the exact date of opening ). However, I have not used the account that - meaning, I have not logged into the account in almost a year. I knew I had money in the account which I received a payment on XX/XX/XXXX in the amount of {$300.00}. Now, In XXXX of XXXX I made an attempt to login to my account so that I could retrieve the funds in this account. However, the debit card that I have associated with this account expired on XX/XX/XXXX. Because the debit card expired on XX/XX/XXXX I am unable to access my account, as CashApp uses a security feature where you need to verify your identity by either receiving a 6 digit PIN to your email address on file or my entering your full debit card number including the expiration date. However, when entering my email address, I do not receive the system generated PIN - the email address that I am entering is the correct email address, as the screen shows you the partial email address and you have to enter the missing letters. I have explained to both In-App Support as well as via XXXX messenger that the confirmation email is not coming to my email address after checking my spam folder, etc, nothing is being sent. It is a business email address which I have double checked with my tech support, and we have no issues on my end. I have requested for someone to send me an email directly so we can determine where the issues are, as I am not receiving the automated emails. This request was denied. I ask to have their internal technical team look into why I am not receiving the automated emails and this request was also denied. I was told that since I am not able to verify my identity that I can not be helped. I can not verify my identity because one, I am not receiving the automated emails and two, the expiration date on my debit card is XX/XX/XXXX and their system does not allow for you to enter an expired expiration date. So as a result of not being able to enter the expiration date and not receiving the automated email I am told there is nothing that can be done so that I can get access to the funds on this account. The CashApp name associated with this is XXXX XXXX and the email address associated with this account is XXXX XXXX
Product: Checking or savings account

I can not open up a checking account with any bank do to fraudulent in my past accounts people stealing my debit card
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been notified of an inaccurate account on my file and has not removed it, despite proof of not being validated. I have written verification from the company that the account can not be verified. Equifax is in violation of FCRA Regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT AGAINST XXXX XXXX XXXX XXXX  I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on Experian, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Debt collection

I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XXXX.XXXX.18, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX Ref # XXXX
Product: Debt collection

XXXX XXXX XXXX  has for several years tried to me to a debt that isn't mine ... .. It has now been sold to Phoenix Financial Services. I have excellent credit XXXX fico and they try to destroy my credit with this fraudulent claim that I owe them {$72.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BK OF AMER HARD Inquiry, XX/XX/23, ( XXXX ) Received a voice mail from someone claiming to be from Bank of America asking me to contact them back to verify personal information for suspected credit fraud.
Product: Credit card

On XX/XX/year> I received XXXX emails from XXXX. Both emails used my name, and both were addressed to XXXX of my email addresses, XXXX. 

The second email stated that a credit card had been mailed out and I would be receiving it within 7 business days. 

I have never heard of or signed up for XXXX. This account was fraudulently opened without my knowledge or consent, and it should not even have been possible for anyone to do so since I have my credit frozen with all three credit bureaus. 

I called XXXX customer support on XX/XX/year> at approximately XXXX and spoke to a representative named XXXX who informed me they were unable to provide any information.
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 - has violated my rights XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX # XXXX - has violated my rights UNAUTHORIZED INQUIRY : XXXX XX/XX/- 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

To obtain student loans my personal information was submitted to the Creditor without my knowledge and without my personal signature to validate any of the information given by the individual who received the loans. I requested over and over again for the company and collection agencies to please stop all collection efforts toward me. I provided proof that the signatures on the applications, did not match my signature, the spelling of my last name, address and place of employment all are incorrect on their loan applications. I disputed the accounts because they are NOT MY LOANS, NOR DID I CO-SIGN for these loans. These loans were granted to the individual without my knowledge and without any request from the creditor asking for approval as a co-signer. I am getting repeated requests and notices from different collectors to pay these loans. I have asked for collection actions to stop and for them to remove the negative infomation from my credit record. My requests go as far back XX/XX/XXXX via phone conversations, then via writing starting in XX/XX/XXXX. Now, they have turned this over to an Attorney firm that is once again sending notices threatening to take action. These are not my loans and I need this to stop as soon as possible and removed from my credit record. This is interfering with my health and mental ability to stay focus.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 I did not authorize anyone employed by these companies to make any inquiry and view my credit. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 15 U.S.C 1681 Section604 A Section2- it also states a consumers Reporting Agency can not Furnish a account without my written instructions XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Requested On XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX Via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 
PERMISSIBLE PURPOSE : CREDIT TRANSACTION Requested On XXXX
Product: Debt collection

I sent CERTIFIED MAIL/RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX to Midland Credit management on XX/XX/2021. I asked to cease and desist all collection activity, including credit reporting. I have been contacted by XXXX XXXX Consumer Support Services several times after they received my cease and desist letter.