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

I had a legal name change years ago for identity theft, my mother has been using my identity since i was a young girl, i have filed countless complaints with transunion for them to remove these negative remarks from my credit as they are from my old name my birth name given by my mother, and update my credit account and profile to the correct information with only my name XXXX XXXX, these were fraudulent accounts and they need to be removed i have documents from a judge signing off on my name change and my new identity, the old identity has been closed and removed from me and for some reason transunion is continuing to place old items from this name on my credit, i have filed countless countless countless complaints to this company to have this correct and update this and they will not to the point where they updated the email to my old email from when i was a young girl and my old phone number and i can not login to the account now to make any corrections or disputes they are intentionally stopping me from entering into my account i can not even access it and theyve just been saying whatever they want about me to the world and its not true! i need my email address updated to XXXX and I need access to it i need my phone number updated to XXXX and i need access to my account, I also need them to go over the already filed disputes from this last year and correct my reportings there are XXXX XXXX for XXXX in XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from 2023????? you've removed all of my XXXX XXXX  and all the other information common sense shows these items don't match the name shown on my license, i have already provided you my legal court order from the state of florida, PLEASE FIX THIS I AM LITERALLY TIRED OF FILING COMPLAINTS ON YOUR COMPANY!!!!! NEXT IM JUST GOING TO SEEK LITIGATION AND CONTACT THE IRS.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Dear Jefferson Capital Systems , LLC, I am writing to address the ongoing issue regarding a collection reported on my credit report, allegedly by your company. This is a formal cease and desist letter as your unfounded claims that I own a debt is seriously impacting my life. As per the case of XXXX XXXX XXXX XXXX XXXX and the requirements outlined in the Fair Credit Reporting Act ( FCRA ), it has come to my attention that you have violated multiple FCRA practices by publishing this collection on my credit report without proper investigation. 

During our previous conversation, your company assured me that collection efforts would be terminated. However, to my dismay, almost 6 months have passed and this collection is still being reported on my credit profile. This situation is causing me extreme financial and emotional distress, as it is negatively impacting my personal credit. 

In accordance with my rights under the FCRA, I am seeking to enter into pre-arbitration to resolve this matter promptly. To be clear, I would like to offer the opportunity to settle this issue amicably by accepting a payment of {$2000.00} and a swift deletion of the account off of my credit report. It is important to note that I could potentially seek {$1000.00} per violation, based on the violations outlined. 

I urge your company to take this matter seriously and work towards a swift and fair resolution. This situation has caused undue hardship and I am hoping to avoid further escalation. If you are willing to discuss this matter further and come to a mutual agreement, please contact me at your earliest convenience by email to initiate pre-arbitration proceedings. To ensure that your concerns are addressed in a timely manner, I recommend sending a follow-up communication in 15 days if you haven't received a satisfactory response. I'll also be filing a complaint with the Federal Communications Commission ( FCC ) to seek assistance in resolving the matter.

Thank you for your attention to this matter. I am hopeful that we can resolve this issue promptly and amicably. 

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

In XX/XX/year> I tried to apply for a loan the loan went through when I gave the entity [ XXXX ] my bank account and routing number. {$1900.00} were deposited into my account with Comerica I withdrew the money for what I needed for and somehow I ended up with a negative on my account I was reported to XXXX XXXX for fraud and I had done nothing I paid Comerica back their money but my name remained on XXXX as fraudulent but I still do not understand how I ended up with a negative with Comerica Bank when the only thing that I should have was a XXXX account balance I had been with Comerica almost 15 years and I've never done any fraudulent activity with no one ever in my life. I've tried working with XXXX and sending them information to try and have my information removed, but they refuse to even try to work with me. I've contacted council on this matter, because I did nothing wrong, and I even did the right thing and paid Comerica bank back the money that I still don't think that i owed them. They have record of me withdrawing the money, but it was impossible for me to withdraw it again, for you can't withdraw what's not there. I really need some help, because otherwise I'm taking this matter to court to sue both parties for defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company involved is Transunion XXXX XXXX XXXX. 

Here are the facts, surrounding my complaint : I applied for two Apartments : Elevate at XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I was denied because Transunion Rental Screening disclosed erroneous information on my criminal report. 

I disputed with Transunion XXXX XXXX  on the following dates : XX/XX/XXXX XX/XX/XXXX The second time I filed a dispute ; I provided official police reports to show them that their information was incorrect. However, they are still saying that their information is correct and refuse to make adjustments to my report. 

Furthermore, they're customer service department is absolute trash. I requested on three occasions and called twice to have them send me a full report of what they have been disclosing to consumers ( rental agencies in my case ). They keep giving me the runaround saying that they don't have all the information they need. I don't see how any company would rely on information that they provide because their company is dysfunctional, with incompetent workers. 

This is causing an extreme hardship, I am a XXXX veteran, and I'm on the verge of becoming homeless, not because of my XXXX, but because of Transunion XXXX XXXX inability to provide quality service.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Date : XX/XX/XXXX Date Reported : XX/XX/XXXX Re : Acct # XXXX SSN last four - XXXX Original Amount Owed : {$340.00} Debt : {$770.00} To Whom It May Concern : This letter is being sent to you in response to your attached letter. 

I am a victim of Identity thief and your company is coming up as a collection on my Equifax credit report. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010..

Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

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

Letter was sent via priority mail on XX/XX/2020 requesting my date of birth to be corrected. Supporting documents were sent such as my drivers license and birth certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldnt find the right response. So Im explaining here! Im trying to fix my credit score and a couple of things went off of my report.my score went down for no reason.i bet if a paid for XXXX boost it would not have gone down the credit reporting seems corrupt to me thats my complaint!!
Product: Vehicle loan or lease

Westlake financial is reporting to the credit bureaus that my car has been repossessed and the account is closed. I still have the car in my possession, and current on payments. They have destroyed my credit.
Product: Mortgage

On XX/XX/2013 I received a modification on my mortgage through XXXX XXXX XXXX. The fixed interest rate was to be 4.25 % for the life of a 40 year loan. My loan was sold to XXXX XXXX who sold it to XXXX, who has gone bankrupt. From there Loancare purchased it. I noticed my interest rate was now at 4.625 % and called them. They said that was the rate when they acquired it. What can I do? I'm having trouble with keeping up as my job I have now, due to covid-19, doesn't pay as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Equifax XXXX, XXXX XXXX, XXXX XXXX XXXX Equifax MTG are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.
Product: Debt collection

Bank of America is listing an account on my report but can not 'validate the debt '. 
This reporting appeared on my report sometime during XXXX od XXXX, shows that it was a charge off in XXXX of XXXX, nothing done for years, and now shows charge off status every month since XXXX of XXXX. This makes me look as though I am currently in default. 
The only BofA card I has was account number XXXX and was closed in good standing back in XXXX. The account number listed on the report in not only unfamiliar to me but BofA, in a phone conversation on XXXX XXXX, XXXX, the representative stated that BofA changed the account number once the account went to charge off status. She also verified that my original account, XXXX, was closed at my request and was in good standing upon closure. After several attempts to find an answer for me, while placing me on hold, she finally stated that they could n't find any statements past XXXX but the account was supposedly opened in XXXX and they do not know where the account came from. Furthermore, they can not provide me any documents that would validate this debt. 
Also, they reported the charge off to the IRS in XXXX which caused me to have to re-file my tax return and was charged many dollars in late penalties.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.XXXX  is a consumer reporting agencies and I am the Consumer. I have to make sure I have the rights to privacy of my information, also that my private info is not given/shared with anyone or any private corporation, ( " 15 USC 6801 '' ) Which states that, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. ( 15 USC 1681 ) section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies ( XXXX XXXX XXXX and XXXX, XXXX, Equifax ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked .15 USC 6802 ( b ) ( c ) states that '' A financial institution may not disclose non public personal information to an on affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. Never informed me of my right to exercise my non disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 dates report by more than seven years. " This account is an adverse item they are reporting without my permission at all, and against the law knowing it is. 15 U.S.Code 1681s 2 ( A ) ( 1 ) A states '' A persons hall 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 not correct. 15 U.S. Code 1681 estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title.XXXX, Equifax, and XXXX  Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services. DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection company flagged XXXX for an alleged debt amount of {$1100.00} to be placed on my credit without sending me a RIGHT TO DISPUTE LETTER or any information about this alIeged debt.. Iam a victim of identity theft and I did not authorize this alleged account.
Product: Credit reporting or other personal consumer reports

I am reaching out as a victim of a data breach, which resulted in the unauthorized use of my personal information to open fraudulent accounts in my name. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Accounts aere not in compliance. They are validating things that are still not accurate and needs to be removed immediately.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX disputed spoke to company and was advise debt to have been verified payment history show different on every report XXXX show account type : auto loan status date : XX/XX/XXXX balance update : XX/XX/XXXX XXXX show account type : installment status date : XX/XX/XXXX balance update : XX/XX/XXXX XXXX show account type : installment account status date : XX/XX/XXXX balance update : XX/XX/XXXX
Product: Mortgage

We started to have troubles with our mortgage payments in XXXX. We contacted the servicer and they said our loan was not allowed to do a modification so I asked who owned our note so that I could talk to them they said that I would have to talk to XXXX XXXX  in which I called the VP and he told me they did not own our note and he sent me back to the servicer. The two companies kept sending me back and forth. So we finally just sued everyone to see who owned our note and then miraculously XXXX XXXX  said they owned our note and their attorney emailed it to our attorney and we noticed that it didn't look right. So we emailed it to a forensic to have it inspected and she said it had definitely been altered. The judge wouldn't let us do anything with the note. So we kept fighting with XXXX XXXX, and in XX/XX/XXXX we had a gentleman do research on the insurance policy that XXXX XXXX  had taken out on our mortgage. The mortgage was combined into a trust which and the insurance policy was on the trust. And in this report it showed as of XX/XX/XXXX that the bank had already been paid in full for the principle and interest by the insurance company when we went into default on our mortgage and because of the type of policy being a Class A-2 they did not have to pay back the insurance company after they foreclosed. We informed XXXX XXXX  attorney of the matter on XX/XX/XXXX and he said that they had never been paid out by a third party for the mortgage without him even having time to get with the mortgage company about this matter to find out to make sure. XXXX proceeded to foreclose on the property on XX/XX/XXXX. To our understanding with people that we have talked to that XXXX XXXX  collecting from the insurance company and then still foreclosing on the property that this is double dipping and is against the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate information on my credit report, which I initially brought to the attention of Experian on XX/XX/XXXX. Despite the passage of time, Experian has not provided any response regarding this matter. I believe that this unresolved issue is in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request your intervention in ensuring its resolution. 
The following details the inaccurate information and the necessary corrections : XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$14000.00} ) : Experian is reporting this account incorrectly. I strongly disagree with the reported balance of {$14000.00}, as I distinctly recall the balance being lower. Furthermore, I request the removal of any information regarding the XXXX XXXX amount, as this account is closed and charged-off. Given that my credit score is significantly impacted by changes to my accounts, I also request that Experian marks this account as disputed to prevent any further negative influence on my credit score. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$1400.00} ) : The information presented on this account requires thorough investigation. I acknowledge the original creditor as XXXX XXXX XXXX XXXX, but I have not received any communication from XXXX XXXX regarding this debt. Furthermore, the reported balance of {$1400.00} appears inflated and inaccurate. I do not recognize this amount and firmly believe that I owe a lesser sum. Due to these discrepancies, I dispute the entirety of this account and insist that Experian verify the following dates : Date Opened and Date of First Delinquency.
Product: Debt collection

They texted me stating is an attempt to collect a debt for Southwest Credit. I do not know who that is nor have I ever opened an account with them. I do not trust a debt collector coming through text messages either. The number it came from is XXXX. Happened on XX/XX/2022.
Product: Debt collection

I am writing as a follow up to Complaint # XXXX ; In which The Company responded on XXXX XXXX, 2017, indicating that this account would be closed per A. XXXX ; XXXX XXXX. 
The account was indeed closed, finally after more than 2-weeks of my paycheck continuing to be garnished for a total amount of : {$330.00} being illegally garnished from my paycheck due to an illegal civil judgement. 
Since this time, I have not had any follow up from this company, or attempt to return the money that they have already received from my paychecks. 
I am asking that this full amount be retuned immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( {$30000.00} ) is not my collection or account & needs to be removed immediately. They have 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 an 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