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

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX has also violated my right and in one bureau it is not even there anymore and it should not be In accordance to the FCRA Acct, DEPT OF EDUXXXX acct XXXX XXXXXXXX has also violated my rights without accurate info. 

In accordance to the FCRA acct Account number XXXX has also violated my rights. Without accurate info. This was paid off by another company and closed. Should not be showing on my report. 
In accordance to the FCRA acct XXXX XXXX XXXX XXXXXXXX has violated my rights. Also without accurate info. 
In accordance with the FCRA act XXXX acct XXXX XXXXXXXX has violated my rights. Also without accurate information throughout all 3 Bureaus. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

There has also been identity theft as in some of my names are not correct, or places I have lived. Some of the inquires were definitely not made by me. And this I just found out has happened over the years. They have stolen my deceased fathers identity, mine and possibly my childrens as well. We are part of that XXXX data breach as well. 
I would like them to furnish me back for everything they have done to basically destroy my life ( what it feels like ). I know one report stated I lived in Georgia as well and I looked it up and it was an actual house address. 
I would like something done before I have to step into legal matters. The agencies have given the power of XXXX XXXX over me and me constantly being worried that I will be exploited and jeopardized again. I have not checked my childrens credit because to be honest, I am scared to. 

People have stolen from me and my father ( like I said who is deceased ) and I can not get into his report. But I saw his identity being used and mine just with slight adjustments to our names at times. 
Also the XXXX XXXX XXXX that is not mine. I was only an authorized user on it until my mother in law got rid of her account. 

Please advise. 
Thank you very much.
Product: Prepaid card

XX/XX/XXXX paid XXXX XXXXpayment made plus XXXX charge over phone using Netspend! XXXX reversered payment XX/XX/XXXX, filed several disputes with Netspend starting XX/XX/XXXX upon knowing payment was reversed! Sent documents spoke with several reps no resolution as of yet! Car payment is in result 2 payments behind please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

A fraudulent collection just popped up on my credit report. 

My note to FIRST CREDIT SERVICES : I am unaware of this debt. I didn't have an opportunity to dispute this information before you place it on my credit report. If, in fact, you believe you gave me proper notification, please, provide the certified receipt with my signature on it.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I can not access my report uploaded Id and as card never heard back security questions asked all answered you still denied access
Product: Vehicle loan or lease

Through the form of an application submitted for collateral in XXXX for a XXXX XXXX XXXX at XXXX XXXX located in XXXX XXXX Virginia on XXXX XXXX is where I endorsed my signature to tender the obligation. Was informed the vehicle was in excellent condition I was persuaded by the representative! Come to the realization that in XXXX XXXX according to XXXX displayed publicly on XXXX XXXX  website there has been a total of XXXX recalls including the XXXX XXXX manufactured XXXX XXXX for the expense of repair for the defaults deemed necessary. A settlement agreement was reached where XXXX issued special coverage adjustments in XX/XX/XXXX for the XXXX XXXX. Under this agreement, XXXX extended engine warranty coverage for a period of seven years and six months, or XXXX ( whichever comes first ), from the date the XXXX XXXX was placed in service should the excessive oil consumption condition emerge. It is said that owners who file a claim with XXXX for the excessive oil consumption issues shall receive free-piston assembly replacement on their XXXX XXXX with the XXXX engine or reimbursement for prior out-of-pocket repair or rental vehicle costs which would have been covered by this special coverage adjustment but I was denied service repeatedly on multiple occasions for service by this organization! I seek compensation for the damages and repairs endured over the time of accrued interests not being applied to my principles balance on behalf of the principles account for the advancements of the UNITED STATES!!!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried countless times to have my unauthorized inquiries removed. Ive faxed, mailed, and called countless times. And its due to their breach.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1800.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX XXXXXXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX website ( I also have a complaint there as well # XXXX ) as well as them having their accreditation stripped from them, i would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. I will enclose copies of some of the letters with return reciepts that I have sent to this company that I have still yet to receive any original signed wet ink contract from nor have i receive any methods by which they verified this deTo Whom this may concern : As I have not heard back from XXXX XXXX XXXX or any representative of said company in over 30 days since my second formal written notice of dispute dated XX/XX/2020 ( copy enclosed ), and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.bt.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no current valid account with XXXX, nor am I a customer, nor have I ever entered a valid contract with them, I must ask them to provide the following information : 1. Please evidence thier authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is their authorization of law for your collection of information?

3. What is thier authorization of law for your collection of this alleged debt?

4. Please evidence their authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged signed in wet ink contract or other instrument bearing my wet ink signature.

This companies failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. XXXX XXXX XXXX 's continued silence in this matter is unacceptable, not in good faith, not good business practices, and mirrors the many negative reviews and complaints from other consumers about how this company treats consumers. They should Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
Product: Payday loan, title loan, or personal loan

I entered into a car title pawn loan with TitleMax of Georgia for {$10000.00} on  XX/XX/2013    and made {$33000.00} in payments yet I still owe {$9100.00}. I was mislead about how long it would take to pay the loan back at payments of around {$750.00} per month. When I complained about not being able to pay down the balance, TitleMax stated that they would drop the rate but it did n't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX supervisor XXXX XXXX told me steps to follow to have an unauthorized hard inquiry removed when vendor refuses to cooperate XXXX file XXXX Ftc report XXXX All documentation was submitted via usps to XXXX address numerous times the last being XX/XX/22 XXXX refuses to remove unauthorized hard inquiry by XXXX XXXX of Veterans United home loans Since vendor refuses to cooperate XXXX said if proper ID and FTC report and letter are received the hard inquiry of XXXX XXXX will be removed Now I am told it can not be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many many accounts on my credit report with equifax, XXXX, XXXX   that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.
Product: Debt collection

on XX/XX/XXXX, CAINE & WEINER company put {$110.00} on my credit report as a collection. XXXX XXXX XXXX XXXX also put {$2700.00} on my credit report as a collection on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX put {$3900.00} on my credit report as a collection on XX/XX/XXXX, all of them mistakenly.
Product: Credit reporting or other personal consumer reports

I had a home mortgage with Specialized Loan Services which was paid in full in XX/XX/year>. 

The current account status is shown as 120 days past due on XXXX and is damaging our credit score.

I have tried to contact SLS, but have been unable to speak with a human.

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Description of Complaint : I am filing this complaint against XXXXXXXX XXXX for unlawfully attempting to collect a debt I do not owe, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Uniform Commercial Code ( UCC ) standards. Furthermore, their actions suggest potential identity theft. 

Unlawful Collection Practices ( FDCPA Violation ) : The debt collector has contacted me multiple times regarding an alleged debt that I do not recognize and have never incurred. This is a violation of 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. They have also failed to provide proper validation of the debt as required under 15 U.S.C. 1692g.

Unauthorized Reporting to Credit Bureaus ( FCRA Violation ) : The debt collector has reported this alleged debt to credit reporting agencies without verifying its accuracy. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires that furnishers of information to credit reporting agencies ensure the accuracy of their information and investigate disputes promptly. 

Identity Theft Concerns : I have never done business with this debt collector or the original creditor they claim to represent. This raises serious concerns about identity theft under 15 U.S.C. 1681m, which mandates certain protections for victims of identity theft. They have failed to provide adequate documentation proving that the debt belongs to me, such as a signed contract or proof of the original transaction.

Breach of Contract and UCC Violations : Under the Uniform Commercial Code ( UCC ), a debt must be supported by evidence of an enforceable contract. I have received no such evidence. UCC 3-305 outlines defenses against enforcement of an obligation, including lack of validity or authenticity of the debt instrument. 

Harassment and Unauthorized Communication : The collector has engaged in harassing communication practices, including repeated calls and letters, despite my request for debt validation and a cease-and-desist letter. This violates 15 U.S.C. 1692d, which prohibits harassment and abuse by debt collectors.
Product: Credit reporting

Transunion reported my inquirys deleted on my credit report then all the sudden reinserted them back weeks later. I was never notified in writting about the change. I 've been doing research and found that this is against consumer credit laws. I 'm requesting for them to be removed as previoisly reported.
Product: Debt collection

I have a charge for {$440.00} from Southwest credit systems for XXXX for an account that it claims I opened XX/XX/20 that is showing up on my Credit report with XXXX and XXXX. I just called XXXX and they said they do not have any information on this charge. I disputed it on XXXX a couple weeks ago but I haven't seen anything done as of yet.
Product: Student loan

Approximately XXXXXXXX years ago when my student loans were with Chase Student Loans a " manager '' on a debt collection call threatened legal action to have a lien placed on my parents home and threatened further foreclosure action should the account not be kept current.
Product: Credit reporting

I have a 30 day late payment reported on my Transunion credit report from a company called XXXX ( account number : XXXX ) from XX/XX/2015. I personally called XXXX and they acknowledged the mistake but said that they could n't get the credit bureaus to remove them and that I needed to contact the credit bureaus and start an investigation. I did just that. Transunion sent me a letter stating that the 30 day late payment has been verified. How is this possible when XXXX knows it was a mistake? To me this was a lazy investigation.
Product: Student loan

Last year XXXX I called to ask about receiving XXXX papers. As I am and submitted everything to them. Been XXXX since XXXX all during school and I'm still XXXX. We'll to my surprise I was denied. Discharge. I feel I was not given the correct response. Something must have went wrong somewhere. I feel I have been treated unfairly, because I'm a minority. I do not have the energy to go back and gather all that information I submitted again. And I do not wish to. It's sad that the one 's who deserve the help get denied the help. I reside in FLORIDA
Product: Mortgage

I have applied for a modification with my servicer XXXX XXXX multiple times. Their only response is that the " investor will not allow a modification ''. When I ask who the investor is, ocwen says it 's a " pool '' of investors. The address ocwen gives me as the pool is a fake address the phone # that they give me is a recorded line that has nothing to do with the pool of investors on my loan. Ocwen states they are not capable of reaching the investors. Ocwen states the cooperate with the Hamp program but has rejected my multiple attempts to modify my loan that is currently at a 6.75 %. Ocwen will not work with me other than a repayment plan which literally triples my normal monthly payment. My loan was sold to these mysterious pool of investors who have absolutely no way of contacting them. I opened my loan in 2004 when all the preditory lending was going on. I need help locating this " pool '' or to force ocwen into offering me a fair modification on my loan that everyone was supposed to be offered due to the fair lending, preditory lending laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried now for nearly a year to get Experian to impute my personal statement on my credit file and they refuse to do so! I have also asked them to explain why they continue to report too many consumer finance company account and not tell me what this is and why its showing on my credit report. It NEVER showed before until AFTEr I paid off all my debt. All of a sudden. 

I have sent numerous letters requested my 100 word statement be inputted in my credit report and Experian simply sends me a report with a note that they don't understand my request. 

Its ridiculous! My note clearly states Here is my 100 word statement to be inserted in my file as written. I don't understand how hard that is to understand.
Product: Prepaid card

My account currently has over {$16000.00} but my Direct Express account is closed and they will not issue me a check nor reissue a card. My son XXXX XXXX is taking care of me and managing my funds as of the court ordered conservatorship XX/XX/year>. A certified copy of the Conservatorship was mailed to Direct Express. Social Security currently issues a check which is sent to my Conservator and son XXXX XXXX. 

We have called and emailed. We have provided all the proof of identity and still no response nor any attempt to return the my funds. 

Its been over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im getting very frustrated with this credit reporting company. I have provided them with all the necessary documentation to remove accounts that do not belong on my credit report and have yet to get any progress. I am trying to purchase a home for myself and my kids and I am being held up by this companies mistakes and lack of urgency about my report. Other credit reporting companies have received equal documents and have acted accordingly. I have attached those reports.
Product: Credit reporting or other personal consumer reports

I am the victim of Identity theft. I am writing to bring to your attention fraudulent information on my credit reports.

UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

Furthermore, I have reviewed a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Please see the following accounts that have appeared on my credit report from an identify theft, in which the thief criminally utilized my information to open them. Please block and remove these accounts. Supporting documents substantiate and validates the claim. 

XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX  {$8100.00} XXXX  CHILD SUPPORT XX/XX/XXXX {$3800.00} XXXX  CHILD SUPPORT XX/XX/XXXX {$0.00} XXXX XXXX XXXX  {$160.00} XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XX/XX/XXXX {$7400.00} XXXX XXXX  {$11000.00}