23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Used public records or records land listed at appraisal book 11 page 211. Improper purpose. Purpose of frsud, XXXX, pretending. City Municipal attorney XXXX XXXX, submitted through midland Funding LLC a fraud claim lawsuit. Midland Funding LLC pretending to be XXXX  XXXX. Over two years,, deprived rights of Title 18 section 242 violation. The title vii. First amendment, fifth amendment, Fourteenth amendments. I am a XXXX  XXXX. I have experienced hardship, identity theft, for almost two years fighting in court XXXX  Fraudulent transfer mortgage assignment claim and forcefully evicted of from homestead private property. I am an heir, and restricted property. Not a part of enterprise zone. Unfair advertising, restricted cultural land. Book 11, page 211. The citizen of XXXX XXXX XXXX XXXX XXXX, Florida. Deprived rights of police protection. homestead private property ownership rights. Senior citizens. deprived Title 18, SECTION 242., title vii. First amendment, FIFTH AMENDMENT, AND FOURTEENTH AMENDMENT. I am being severely discriminated by my city municipal attorney XXXX XXXX. City Attorney who is discriminating by targeting XXXX owners private property rights. advertising XXXX XXXX private property is a violation. XXXX XXXX XXXX  IS Restricted RESIDENTIAL. CULTURAL land, not part of the ENTERPRISE busines, commercial or municipal use. Presently, my heritage, personal private property. Restricted private property land rights is being STOLEN AND damaged. XXXX XXXX XXXX is being advertised, for PROFIT. THE real ESTATE LISTINGS on XXXX XXXX. it cultural related. XXXX XXXX XXXX is residential personal property. Not zoned for use of commercial properties or municipal properties. Yet I was forcefully evicted off my own Private property XX/XX/XXXX. Related, LOT XXXX PROPERTY APPRASAL FRAUD BIDDER, IS NOW IN someone else named, XXXX XXXX XXXX. XXXX XXXX XXXX LISTED AS NO LIMIT HOME IMPROVEMENT LOT XXXX. City lot XXXX address XXXX kentucky. personal property. My rights were Not protected by the police. Sheriff Giving me a twenty four hours to move out of my own Private property. XXXX x XXXX lot size. XXXX of an acre, targeting by Fraudulent conspiracy made by the city XXXX activities. Zoned residential, single family residential Land. Restricted use, was not zoned for commercial use or municipal use is not part of the enterprise zone. The City Fraudulent XXXX  transfers mortgage claims problem. Targeting XXXX single female, XXXX XXXX, property owner, heir property. Through the court used Midland Funding LLC. Inactive license, used bidder XXXX XXXX XXXX XXXX. Submitted Forged documents, robo signature. During this pandemic XXXX  hearing. Quiet lis Pendens filed XX/XX/XXXX by XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Midland Funding LLC pretending to be XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers Fraudulent Documents submitted. Fake bidder, XXXX XXXX XXXX XXXX XXXX {$130000.00}.
Product: Credit reporting or other personal consumer reports

Unathorized hard pull of my credit breport. 
XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Care credit has charged me more in interest than actual credit card bill. Sometimes at almost {$800.00} a month in interest.
Product: Debt collection

In XX/XX/2018 after verifying my credit report, I noticed that XXXX XXXX sold a debt of {$120.00} that I owed debt as a new debt to Waypoint Resource Group. Mind you, the debt was already two years old. So in XXXX, I contacted the debt collector and asked a routing question, if they settle on small balances as well. The young lady said they would accept {$87.00} as a full payment and solved the account if I paid the same day. 

I requested a letter and receipt stating so, I never received it. So today I checked my account only to find that they report the account as " Settled - less than full balance '' which is not the terms agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit service Trans Union to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my credit report.
Product: Credit reporting or other personal consumer reports

i just check my credit report and this accounts still inmy report, i check my complaints here on the cfpb and experian dont send or answer my complaint yet.. 

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

I have requested that this account be deleted and blocked I sent the police report and the ftc and also I sent my bill to show the address and information that you have is wrong also there are many mistakes on the account please take in consideration this is the second time I request this XXXX the fraud inquiries as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education/Nelnet is reporting that I was 90 days late on my student loans in XXXX 2011.  I have mailed letters and have contacted The Department of Education/Nelnet numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The Department of Education/Nelnet provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The Department of Education/Nelnet do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The Department of Education/Nelnet is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under -15 USC 1681 section 602 A. states I have the rights to privacy. -15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also the credit bureaus took more than 30 days to complete my investigation certified mail tracking # XXXX, XXXX # XXXX
Product: Debt collection

On XX/XX/2020 I mailed a certified letter to Capital Accounts LLC I retrieved the address from my credit report and the letter was returned by to me stating RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD
Product: Debt collection

The company Fair Collections Outsourcing has reported erroneous and false information on my Consumer Credit Report. They report a balance of {$9400.00} owed as of XX/XX/2024 to the Original Creditor of XXXX XXXX XXXXXXXX XXXX. This is not my debt. The Communication sent to me on XX/XX/2024 by Fair Collections and Outsourcing. In this communication they also indicated that to dispute the debt I need to write them through a portion on the bottom of the letter indicating issues with the debt. Despite my response indicating that I do not owe this debt given through that form last XX/XX/2024 ( also attached ) they have failed to furnish the requested information to me. I completely deny this debt. According to The Fair Credit Reporting Act specifically the Furnishers Law All furnishers of credit must report accurate and validated information to my Consumer Profile including to the XXXX credit bureaus known as XXXX XXXX XXXX XXXX Fair XXXX  Collections Outsourcing has violated this law. According to FCRA 15USC1681-all unverified information must be removed. 
In addition, please have Fair XXXX  Collections & Outsourcing 1.Please show a valid lease with my original signature on it guaranteeing I would pay this creditor 2. provide a Detailed list of the history of payments made by me on this account.

3. Im asking to see Has there been any insurance claims filed on this debt/ 4. Please show a chain of title which proves they have been assigned the right to collect this debt from me from the original creditor.

5.Please show the original account number associated with this debt from the original creditor.

6. Provide An itemization of the current amount of the debt that reflects interest fees payments and credits from the original creditor date.

I will be awaiting follow up on this communication and the removal of this erroneous info from my consumer credit report at all 3 bureaus. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Company received my information without my consent. My information was reported without my consent per HIPPA. It is against the law to release my information per HIPPA.
Product: Credit reporting or other personal consumer reports

For false information appearing on my credit report, I filed disputes with XXXX, XXXX, and TransUnion. I informed them of their violations to my consumer report and provided a list of the accounts. They have not responded in excess of 30 days. All of the letters that were sent are attached below.

By failing to mark this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

Since this account 's last activity date is reporting, 605 ( c ) is operating if the period has also been broken. The last date on which a payment was made should be reflected.

The Federal Trade Commission believes that this company has consistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Product: Credit reporting

XXXX XXXX XXXX XXXX is being reported on my ExperianXXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with my Mortgage company XXXX XXXX bank which is now XXXX reporting a late payment in XX/XX/2017 which was inaccurate, I received a letter from the mortgage company saying that they sent in to all three bureaus to fix the derogatory remarks. Yet I see Transunion and XXXX  is still reporting this under the XXXX. This is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. However, despite several attempts, I did not receive a response back from Equifax with the investigation results. 
These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with all necessary procedures and requirements outlined by the Fair Credit Reporting Act ( FCRA ), Equifax 's failure to respond appropriately has caused me unwarranted stress and financial implications. 
Furthermore, I provided Equifax with my Government ID, proof of address, and a copy of my social security card to verify my identity, yet their lack of response persists. 
I am seeking intervention from the Consumer Financial Protection Bureau to compel Equifax to remove permanently the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 
According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do under the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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 alleged fraud or extortion. 


XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX
Product: Debt collection

I never opened an account with XXXX or Credit Control. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called Credit Control , LLC located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to Credit Control to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.
Product: Vehicle loan or lease

I was XXXX XXXX for the XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Because of low income I was behind on my payments and making any payment I could. When I was XXXX I contacted Flagship Credit Acceptance within XXXX to XX/XX/XXXX and tried to make a payment when I was advised the account was paid in full. Which I thought was strange and by XXXX XXXX I received a notice that my vehicle had late payments and would be repossessed and I had to pay {$3700.00}. I made the payment in full and every month after that I made my payments on time and even paid extra a few months. I have been calling ever since to have my credit report updated with the payments I have been making since XXXX XXXX. I can't access my account online to make payments and have to call every single time and be charged {$4.00} per payment made. Additionally, everytime I call I keep getting tranfered within departments, they say someone is looking over the account and will have it updated on the credit report and access online, I even had someone telling me the account was paid and they couldn't find my account on their site. I've contacted them each week now and thye submitted a dispute wihtin Flagship Credit Acceptance however no one has called me back nor emailed me with updates. I was told it would take 30 days and each time I call I get different answers. I have been making my payments on time nearly a year and I still don't have my credit report updated. It says last payment made was on XX/XX/XXXX and I owe {$11000.00} which is incorrect. I want my credit report to reflect what I pay and I work real hard to make the payments on time. I want to buy a house and car within a year and can't because of this issue.
Product: Credit card or prepaid card

I am travel healthcare worker and need to book short term housing near the hospital I sign a contract for. On XXXX I prepaided for a month on what seemed like a nice short term furnished housing. Upon arriving at said " housing '' on XXXX I learned the property was not all what was described or shown. It was run down, dirty, unsafe and the pictures for the inside of the rooms were clearly taken from one larger room they had fixed up and used to list all their rooms. I talked with the owner of this old run down XXXX XXXX now under a different name and was lied to again about all the rooms being the same. This not the case since I found info on zillow that the square footage of the rooms are not all the same and thus they just trying to scam people. I stayed for a week before leaving and getting better accommodations. I asked the motel to charge me for the appropriate days, they refused and want to keep the full month stay of {$1400.00}. I started a dispute with my discover credit card on XXXX for {$1000.00} difference. On XXXX they claim the transaction is valid. I sign the paperwork they sent me to continue the dispute and less than a day later, again they say it is valid. I completely disagree and will not pay for a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but XXXX and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX  at the time these accounts were opened. 
I am asking XXXX, XXXX XXXX, and XXXX to please remove this fraudulent account. 
3. XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX Services Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to XXXX  and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account
Product: Debt collection

XXXX XXXX XXXX discussed my debt with my father and mother-in-law without my consent.
Product: Student loan

I have been the victim of identity theft in the past. It was through the office of an insurance broker I used. They informed me an agent had forged my name to cash a check. I thought it was left at the. I recently had to consolidate loans that went into default and was given a full report of my loans. I realized the amount was twice what I expected and there were two years in which loans were taken in my name that I do not recall receiving. They were over XX/XX/XXXX and XX/XX/XXXX. The amount in those two years doubled what I had received prior to those years. Although I was in school at that time, there was no reason for me to take such loans. I need to know where to loans were deposited to. Then I will know for certain what happened.
Product: Credit reporting or other personal consumer reports

In about XXXX of XXXX  I was renting a car. When I returned the car, they double charged me for XXXX week. I had no overdraft protection on my checking account with XXXX XXXX XXXXXXXX, so they should have not paid the second payment but they did anyway. I then disputed it but they refused to reverse the payment. They then insisted I pay this double payment even though I showed them proof it was unapproved and not valid. So they closed my account- which I can understand- but they then reported me for " account abuse '' to Chex Systems and I haven't been able to get a bank account since. Since I work from home, this has caused me a huge problem in finding work if I can't get a checking account to receive money online through. I couldn't even figure out where this was coming from until finally someone told me to check with Chex Systems as this " account abuse '' wasn't showing up on my regular credit reports.