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

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So.. Yes.. I accept that I did owe a certain sum of money that dates from probably about 2 years ago and Now turned in for collection.. I did n't have a opportunity to settle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a account open my credit reoprt that date XX/XX/2023 which is seven yr old, would like for this to be remove from my credit report
Product: Debt collection

The original creditor was XXXX from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not Portfolio Recovery who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with XXXX since 10 years ago and never will. My Bankruptcy representative made that clear.
Product: Credit reporting or other personal consumer reports

I have disputed these inquiries several times, requesting documentation that validates my authorization or that I initiated these inquiries. Its persistence on my credit report is a violation of 15 USC 1681n, 15 USC 1681i ( 5 ), and 15 USC 604a section 2. I request that it be removed from my credit report.

I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in regards to XXXX, XXXX, and TRANSUNION Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.
Product: Credit reporting or other personal consumer reports

My name is XXXX I have several accounts that are showing on my Equifax credit report that I believe are not mine. I have tried an online dispute to and a mail in dispute asking for proof of original contracts- with my signatures- to prove that these actually belong to me. The response that I have received both times are " We have verified and the account remains '' but still no actual proof. I do not believe these are mine and without out showing proof they could be allowing just anyone add whatever they want to my credit report which keeps me from gaining future credit and resealable rates. Can you check into this matter? 

Date of online request : XXXX Date of Mailed request : XXXX Accounts : XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, of XXXX XXXX, IN Florida, City of XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXXXXXX XXXX XXXXXXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days
Product: Debt collection

Last year in XXXX I noticed some irregular charges that looked like my life insurance policy but were not. Upon further investigation we were able to identify that someone was siphoning money from my checking account using a XXXX. We were not able to recover more than two months of charges and the case has hit a road block. We were able to track the number back to a company that provides credit processing and it kind of ended there. 

In XXXX of XXXX began getting calls from XXXX  XXXX. They stated I owed money on account related to properties. I denied these charges and told them these were not my accounts and I had no knowledge of them. 

On XX/XX/XXXX, my XXXX XXXX XXXX began sending me alarms that there were major effects on my credit score. I was in XXXX at the time so I was not able to do much. On XX/XX/XXXX, I was able to start freezing my accounts and reporting the fraud to the credit bureaus, the two power companies and XXXX  XXXX. 

I was able to speak with a rep at reliant energy and was able to find out that 14 utility accounts were started with my personal information. XXXX of those accounts have already been sent to collections. I was able to contact XXXX XXXX  and they identified XXXX accounts in collections. Both of these power companies only service TX. I have been able to identify three property addresses where my information was used fraudulently. This information was sent to the police department and will be attached to the police report. 

Today I was called again by XXXX XXXX to report another account that was sent to collections. This one was from XXXX XXXX  for over $ XXXX. 

This makes a total of 4 accounts with XXXX XXXX  and XXXX accounts with XXXX XXXX. All of which will end up in collections effecting my credit score. My score in the last 2 weeks has dropped over XXXX points and getting worse as more collections are sent in. 

Last week we received a letter from XXXX XXXX our mortgage company that they identified a data leak in XXXX of last year. They letter takes no responsibilty and offers no help outside of contacting the credit companies. This is effecting my credit score, has potentially stolen thousands of dollars from my personal bank accounts and has racked up over XXXX hours of working time on this since XX/XX/XXXX. 

I am not sure what to do here but I am wondering if we have any legal right to sue XXXX XXXX for their inability to protect my information and the damages it has caused, further the complete lack of support from and issue they knew about back in XXXX of XXXX. 

Today I got the police report back and will be sending copies to the credit monitors, the XXXX power companies and XXXX XXXX 

My credit is frozen right now and I have to follow up with the credit monitors once I have sent the doc to their XXXX XXXX XXXX.
Product: Debt collection

I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with JPMCB CARD and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing a JPMCB CARD account on my credit report because it is not mine and I did not open it. JPMCB has responded by sending me and the 3 credit bureaus credit card statements and my identifying information on the account in order to prove that it's mine and try and validate the debt. JPMCB sent a letter on XX/XX/. I have since started a second investigation with JPMCB and the 3 credit bureaus. I advised JPMCB that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which JPMCB does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed JPMCB and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the wrong credit limit is listed, wrong balance, wrong date opened, wrong high credit limit, and the wrong date last active are inconsistent across the three credit bureaus. I advised JPMCB and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature, it should be removed. However, they continue to end the investigation in JPMCB 's favor, even though they have not validated the debt with documentation bearing my signature.
Product: Debt collection

Too many dates to count- the debt is continually sold to other reporters when I explain situation and this debt has been settled and discharged. 
XXXX XXXX- {$2300.00}, 3 accounts- medical debt that was discharged and filed on my XX/XX/2015 taxes.
Product: Vehicle loan or lease

I had called XXXX XXXX XXXX to have a due date changed back in XXXX. They said that this was not a problem and that they would happily make the change, send paperwork to sign and return and have the date changed from the XXXX to the XXXX effective immediately. The gentleman i spoke with also said that if I had any problems or saw a late fee to call and they would take care of it. I signed the paperwork, sent it back and continued paying on my loan every month thinking everything was ok. I then noticed {$190.00} in late fees on my account and when I called XXXX XXXX XXXX regarding this I was first told that they had no record of the conversation occurring, then when pressed they admitted to the conversation happening. Then they said that they never received the paperwork I sent to them and said that they would not wave the fees like they had said they would. They transferred me to a senior account rep but said " I doubt they 'll do anything ''. The senior rep really did n't even listen to what I said and refused to work with me at all, so I asked for her supervisor and was told I would get a call back. They have recordings of all these calls but are refusing to work with me on fees that were charged due to their error, not mine. I would like to request assistance in resolving this issue. I have XXXX new vehicles i purchased from XXXX in the past year and expect much better treatment than this.
Product: Checking or savings account

The complaint # XXXX is not closed. HSBC closed my account on XXXX XXXX XXXX. They said I would have access to my account until then I did not have access to my account, it was still frozen. They said after the account was closed that I would receive my funds by the quickest method possible. I emailed the company today. If the company would have done the wire transfer like I originally asked, none of this would have happened.
Product: Credit card or prepaid card

I had a XXXX balance on my Capital One XXXX card and no negative transactions or problems with that or any of my Capital One products. In XXXX I was charged a membership fee without any notification. This fee was charged interest and fees for 3 months before I became aware of the fee being placed. This was reported to the credit agencies and my credit score dropped by XXXX points for an unknown charge on a previously paid up credit card. No other effort was made to notify me of the unknown charges and now I am told I can not speak to anyone in the credit dispute center, that a letter is the only mechanism to dispute the fees and the negative credit score which may take up to 2 months to get resolved.
Product: Credit reporting or other personal consumer reports

I submitted disputes to TransUnion, XXXX, and XXXX regarding incorrect information listed on my credit report. I provided a detailed list of the accounts and outlined the violations affecting my consumer report. Over 30 days have passed, and there has been no response. Enclosed are copies of the letters sent.

The company is in breach of FCRA 623 ( a ) ( b ) for failing to mark the disputed account as such.

They have also violated FCRA 605 ( c ) by inaccurately reporting the date of last activity, which should show the last payment date.

Furthermore, the company has not validated this collection account, which constitutes a violation of FDCPA 809 ( b ), as interpreted by the FTC.
Product: Debt collection

In XXXX of XXXX I received a call from a number that was labeled SCAM on my phone. I answered it and the person stated they were with FJS Global, Future Judgement Solutions, XXXX XXXX XXXX, and that they would be pursuing a collection of a debt. I have good/excellent credit. I asked where the debt came from, which they replied XXXX XXXX XXXX Back in XXXX, I paid a collection agency a settlement amount for an outstanding debt with a bank XXXX XXXX credit card debt. I have not heard anything about this debt since XXXX, nor do any of the XXXX credit reporting bureaus reflect anything negative regarding a debt. They asked me if I had a letter proving that I paid the settlement amount ; since XXXX, I have moved several times because I was in the military and I have lost documents and items with every move ; this is just something that happens with moving. I do not have the letter stating I paid the settlement amount, but if I had not paid a settlement, surely it would reflect in my credit report. I asked how is it possible after XXXX, nearly 16 years, since I paid a debt collection agency, that I am now being pursued about a debt I have not heard about. They said debt collection agencies can have you pay an amount, but that doesn't cover the complete debt amount, and the remaining amount can be sold to another debt collection agency. I asked if they are debt collection agency, to which they gave me a vague explanation that they were not necessarily a collection agency. If this is the case, if a person pays a settlement amount with a debt collection agency, and the amount does not cover the whole debt, and the amount can be picked up by another collection entity, this would never end and this could be exploited continuously. This seems nefarious and an unjust practice. The phone number to XXXX contact is XXXX. Is there not a statute of limitations to which they can pursue someone about a debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint as a follow up tp the previous CFPB Complaint I submitted on XX/XX/XXXX. This is my fourth endeavor to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to question specific records in my document coming about because of the crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that are reporting on my Credit file. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Pleas have the following items deleted completely from my Credit File : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In 2014 I successfully invalidated a XXXX XXXX account from my Experian credit report. Experian just let XXXX XXXX re-insert it after 6 months knowing that it had been invalidated and deleted. The Consumer Financial Protection Bureau as well as the Federal Trade Commission highly scrutinizes this abusive practice by financial institutions and must cease these actions immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( FCPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I 'm filling a complaint against Equifax about information on Public Record and collection.I want dispute an error with Equifax showing that I have a tax lien with IRS. The reference number XXXX, filled XXXX XXXX 2009, amount {$5300.00} federal. This federal tax lien was paid off and cleared. I have information with attachment. I want this information removed from public record now. Plus. In Equifax collection they are showing that late billing with XXXX XXXX XXXX I was late with payment. It also showed that XXXX XXXX XXXX collection agency. I paid that bill in full at XXXX XXXX XXXX billing office in XXXX, Arizona that month of billing cycle.I want this remove from my credit report now
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts does no belong to me and Ive been a victim of identity theft
Product: Debt collection

THE COMPANY HIDAY & RICKE P.A. LOCATED IN XXXX FL. WITH A XXXX - FALSELY CLAIM TO BE ATTORNEYS OF THE LAW - WHEN THEY ARE JUST A THIRD PARTY DEBT COLLECTION GROUP ... .THEY ALSO USE THE XXXX XXXX COURTS FORMAL ADDRESS AS THEIR LETTER HEADING WITH THEIR CORRESPONDENCE TO ME - THAT STATES - IN THE XXXX COURT, XXXX, IN AND FOR XXXX XXXX XXXX FLORIDA XXXX .I HAVE BEEN SENT NUMEROUS LETTERS FROM THIS DEBT COLLECTOR STATING THE DEBT THEY SAY I OWE ... THIS HAS BEEN ON GOING FOR SEVERAL YEARS ... THEY HAVE SENT PROCESS SERVERS TO MY HOME - AND MOST RECENT IN XXXX 2014 - THEY SENT A XXXX MAN TO USE SCARE TACTICS AT MY HOME - BY POUNDING ON THE DOOR AND YELLING OUT I WAS BEING SERVED PAPERS FOR THE DEBT I OWE ... .I HAVE RECENTLY SENT THEM LETTERS TO CEASE AND DESIST ALL CONTACT WITH ME AND MY HOME - FOR THEY ARE ONLY A THIRD PARTY DEBT COLLECTOR ACTING LIKE ATTORNEYS ... .AGAIN RECENTLY I RECEIVED A LETTER FROM THEM STATING I DID NOT SHOW FOR A DISPOSITION AT THE COURTS ... .IN CONCLUSION, WHAT EVER PAST DEBT I HAVE, HAS REACHED A STATUE OF LIMITATIONS ... ..I REFUSE TO DEAL WITH THIRD PARTY PHONEY DEBT COLLECTORS ... ..PLEASE PUT A STOP TO THEM AND THEIR BULLYING SCARETACTICS!!