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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to adjust immediately : XXXX  XXXX XXXX XXXX XXXX Balance {$2300.00} ; DEPT OF ED/XXXX XXXX Balance {$160000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; DEPT OF ED / XXXX XXXX Balance {$160000.00} ; DPT ED/XXXX  XXXX Balance {$160000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information reappears from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey my name is XXXX XXXX i am writing because The accounts listed below are medical accounts on my credit report. I never gave this company authorization to obtain any of my medical records. This is a violation of hipaa laws and public law unless this company can give me Hipaa authorization form of me giving them consent to obtain my records they must remove this account from my credit report and their records. According to public law 104-191 and this company would also be liable for up to {$250000.00} according to Sec. 1177 of public law 104-191 which states- ( a ) OFFENSE. -- A person who knowingly and in violation of this part -- ( 2 ) obtains individually identifiable health information relating to an individual ; shall be punished as provided in subsection ( b ) ( 3 ) if the offense is committed with intent to sell, transfer, or use individually identifiable health information for commercial advantage, personal gain, or malicious harm, be fined not more than {$250000.00}, imprisoned not more than 10 years, or both. The term 'individually identifiable health information ' means any information, including demographic information collected from an individual, that -- A ) is created or received by a health care provider, health plan, employer, or health care clearinghouse ; and ( i ) identifies the individual; or ( ii ) with respect to which there is a reasonable basis to believe that the information can be used to identify the individual. Seeing as they will gain money in exchange for successfully collecting this alleged debt they are now guilty of obtaining individually identifiable health information for commercial advantage. 

They are committing fraud by having access to my medical records. I want them removed immediately. First they obtained my records fraudulently then they released them fraudulently to the credit agencies as well because I never gave them consent to release any of my information. In addition pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). This company has also violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Furthermore a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this information reported.

This company has violated my rights many times however these are the most important reasons. I retain the right to pursue legal action If I deem it necessary however the only request I am making is to have my information deleted from their company records. I also wish to cease and desist all furnishing or verifying of this information to my credit reports. I also demand these accounts be removed from my credit report immediately thank you. 

Account Name : Wakefield And Associ Balance : {$620.00} Date opened : XX/XX/2018 Account Number : XXXX Account Name : Wakefield And Associ Balance : {$350.00} Date opened : XX/XX/2018 Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Transunion, XXXX and XXXX representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Transunion, XXXX and XXXX employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Transunion, XXXX and XXXX reports that they have verified these accounts are in fact mine. Who at Transunion, XXXX and XXXX verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Transunion, XXXX and XXXX is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) fraudulent inquiries on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, XXXX XXXX {$2300.00}, XXXX XXXX - XXXX XXXX {$410.00}, Midland Credit Management- XXXX XXXX {$2900.00}.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a paymen
t as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Yes Bluebird close down my checking account and savings account for no reason of my own making they said that I did unappropriate or did things that I was not allowed to do but I don't understand how I did this when I was XXXX at that time and was not in able to even use my own debit cards and they let somebody come in and take all my daughter Social Security money out of a separate account that was linked to my Bluebird account then I tried to call them and talk to them about it and all they did was tell me that they closed my account down and there's nothing more they could do to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was charged with a purchase. They give me a link to cancel the purchase and I gave them my personal information . (  social, address and bank account information )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX FL XXXX Employers : XXXX XXXX Late XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiries : XXXX XXXX XX/XX/year>
Product: Mortgage

I was in the process of refinancing my house with standard mortgage which took almost 6 months. The refinancing started since XX/XX/2021 At closing on XXXX XXXX the disclosure were not as agreed and they wanted {$20000.00} cash to close. So I cancelled and fill out the notice of right to cancel form and email it to them the next day ( XXXX XXXX ). Yesterday ( XXXX XXXX ) I received a notice of intent to file lien in the mail from Standard Mortgage charging me {$5100.00} for mortgage and processing services. The letter does not seem legit and looks as if it been made up. I check with XXXX clerks and thee is no proof there. I am sending a letter back to them letting them know I am filling a complaint with CFPB with the email of confirmation for cancellation and the wrong the disclosure. This is not right that a mortgage company can sell you a dream and provide wrong information and then when closing time they change everything and then a month after cancelation they are trying to charge me for a mortgage that I didn't close on. Also during the whole process I paid up front appraisal, credit check and inspection etc.
Product: Bank account or service

Bank of America charged one year rent for a safety deposit box two years after I closed all my accounts and left the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/XXXX with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/XXXX and informed them of the fraudulent purchase. They contacted XXXX XXXX and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with Equifax, XXXX, and XXXX which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.
Product: Debt collection

This is a resurfacing remark for a previously resolved case. I went through credit repair couple years back to reverse some early learning mistakes I had made.

A credit report from XX/XX/XXXX states an amount of {$1100.00} and acct open date of XX/XX/XXXX.

My credit repair agents closed & settled the unclear remark and removed it from my report for new beginnings.

The remark has been off my report and I have been staying true to my good faith in keeping my Report & Score back on track, Recently having a XXXX score.

Looks like remark has resurfaced with no prior communication or anything to me.

The debt now states XX/XX/XXXX an amount of {$1100.00} and an acct open date of XX/XX/XXXX.

The debt was very vague and unclear from the beginning. Comparing Dates opened and amounts owed do not match Different amounts stated on different occasions.

I don't believe this would be fair to be in my report.
Product: Debt collection

Dear National Credit Systems , Inc., I am writing regarding an alleged debt that you claim I owe. I am formally requesting, pursuant to federal law, validation of this debt. Additionally, I am issuing a cease-and-desist request for all communications, including reporting to credit reporting agencies, until you provide full and complete validation. Under XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ) and related provisions under the Fair Credit Reporting Act ( FCRA ), I am requesting the following documentation without exception : 1. Assignment Agreement : Proof of an assignment agreement between National Credit Systems , Inc., and the original creditor, authorizing your collection activity. 

2. Proof of Debt Ownership : Documentation showing that you own or have the legal right to collect this alleged debt.

3. Debt Details : A full breakdown of the alleged debt, including the original amount, any interest, fees, and other charges.

4. Payment History : A comprehensive payment history, including all debits and credits applied to the alleged debt.

5. Proof Debt is Not Time-Barred : Verification that this debt is within the applicable statute of limitations.

6. Licensing Information : Confirmation that your agency is properly licensed to collect debts in my state, with licensing details.

7. Cancellation Status : Any documentation or communication confirming the cancellation or resolution of the alleged debt.

8. Contracts and Agreements : Copies of any contracts, agreements, or other documentation bearing my signature as evidence of my obligation to repay the alleged debt, including any agreements with National Credit Systems, Inc Until all the requested information is provided, I hereby demand that you cease all communication with me, including any interactions or reporting with credit reporting agencies, effective immediately. Additionally, if validation is not provided as required by federal law, I will file an identity theft report with the Federal Trade Commission ( FTC ). Please be reminded that continued collection efforts without proper validation are in violation of federal law, including but not limited to : XXXXXXXX XXXX XXXX : Prohibiting the use of false, deceptive, or misleading representations in connection with debt collection. 

XXXX XXXX. XXXX : Prohibiting unfair or unconscionable means to collect or attempt to collect any debt. 

XXXX XXXX. XXXX : Requiring permissible purpose for obtaining and reporting consumer credit information. 

I expect your prompt and full compliance with these requests and look forward to receiving your complete response within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am writing this communication to demonstrate that Equifax, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX XXXX XXXX  on my behalf has communicated with Equifax on XX/XX/XXXX and to this day Equifax has not responded. See XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the Clerkand this we will not do in the absence of more compelling evidence. '' ) DSK Law did mail as the attachment has shown a requested response from Equifax, however, Equifax refuses to respond, Therefore, Equifax is violating various provisions of the FCRA and continue to allow information to stay on my report that is : XXXX. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) XXXX. Continue to report information that is and has been outdated for more than XXXX XXXX XXXX XXXX years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that XXXX years ; XXXX XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more than XXXX ( XXXX ) years of reporting ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX last date reported was XX/XX/XXXX which is more than XXXX ( XXXX ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that XXXX ( XXXX ) years of reporting. 

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why Equifax refuses to deal with the issue of my credit report just as they did in past legal cases involving Equifax which include XXXX XXXX XXXX Equifax Information Services, LLC and XXXX XXXX Equifax Information Services, LLC ). In both of those cases Equifax purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

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

XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to try and establish several credit accounts,  one  being with  Capital One.  A fraudulent application was submitted and  Capital One  generated an inquiry with each of the  XXXX  credit bureaus  XXXX / XXXX /  XXXX   from  Capital One .  XXXX   XXXX  notified  Capital One  of the fraudulent attempt and requested the application be stopped and the inquiries be removed. As of  XXXX / XXXX /  XXXX   the inquires remain with the bureaus ;  XXXX  has attempted to dispute the inquiries as fraudulent on behalf of our client as outline in the FCRA however  Capital One  is preventing third party assistance and is still reporting the inquiry data after being notified it is fraud related, which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report an account that is inaccurate. The service that the consumer agencies provide I did not request or sign up for. The account listed as XXXX Account # XXXX has not been properly validated or verified as belonging to me. They keep responding that the information is verified but does not provide me with the documents or any information to follow up with which makes me believe that have not done a reasonable investigation. You can not keep responding verified but do not have the evidence to back it up. This will be my last and final attempt to get the consumer agencies to turn over the information or I will immediately sue each one and request whoever states this is verified to swear in under penalty of perjury that they did in fact do an investigation and were provided evidence which includes my wet ink signature.
Product: Mortgage

Mr Cooper mistakenly issued multiple withdrawals to my account, causing my account to have negative funds, endangering my other payments, and jeopardizing my credit history. They corrected the issue and advised me to continue monitoring my account for any additional errors from them. It is unfair for me to allocate time and resources to verify their mistakes were corrected or to make sure no more have appeared. I am not confident this will not happen again. They lack transparency and are just incredibly incompetent.
Product: Credit card

I am writing to dispute Feb-retail account which was previously closed by creditor. Account was reporting as delinquent, than updated as paid on time although the account doesnt belongs to me and I made no payments on this account and instead of removing account as they promised they closed account and updated to current on XXXX of the bureaus but not the others. This account is reporting missed payments for XXXX credit bureaus and 100 % on time payments for the other credit bureaus. This account is harassment. Ive disputed this account various times first time was with XXXX XXXX XXXX, which was resolved and then appeared on my credit again for same account different balance and different payment history reporting. This account needs to be resolved or I will pursue to sue. The information in this account isnaccurate and need to be removed. The creditor promised to delete the account upon closure. 
The account 's negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case NumbeXXXX XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
XXXX XXXX