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

ACCOUNT IS IN LITIGATION I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX is direct violation of this law 15 U.S. Code 1692e - False or misleading representations The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Unless XXXX. XXXX XXXX can provide the information listed in the previous letters I have sent CERTIFIED MAIL about VALIDATION OF ALLEGED ACCOUNT # XXXX ALLEGED BALANCE {$510.00} within ten ( 10 ) days after receiving this compliant, this debt will be deemed invalid, fraudulent and further collection attempts will be considered a criminal activity attempting to extort monies. A criminal complaint may be filed against XXXX. XXXX XXXX with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service Criminal Investigation Division ( IRS CID ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Texas XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Charge-off Information Dear XXXX, I am writing to formally dispute the accuracy of certain information in my credit file, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau must investigate my claim within 30 days. If the charge-offs can not be verified as accurate and complete, it must be removed from my credit report Additionally, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) requires data furnishers to provide accurate information. If this account can not be validated as accurate and complete by the original creditor, it should be deleted promptly. 

I have attached the following documents to support my request : A copy of my credit report highlighting the disputed charge-off Please conduct a thorough investigation and provide me with written confirmation of the findings. If the charge-off is removed, kindly provide me with an updated copy of my credit report reflecting this change. 

Thank you for your attention to this matter. I look forward to your prompt response. If you have any questions, I can be reached at XXXX Account : XXXXXXXX XXXX XXXX  | # XXXX {$2200.00} Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CA- {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA - {$1000.00} These transactions were made out of state and fraudulent. I was never notified by the company that these transactions were made. I also never got a notice or notification asking to approve out-of-state transactions as well as in such high amounts. I had a hard time accessing their online platform and thus never saw the transactions till now. Now Pinnacle Bank are stating it is past the amount of time to report this fraud, yet they never notified me of potential fraudulent transactions that was out of state and should have easily been detected as fraud. I am a victim of fraud I had no knowledge of any of these transactions stated above nor can find any info about the company that took my money and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Compliant - XXXX Since disputing an alleged bankruptcy being reported on my credit file by Equifax in XX/XX/XXXX, all of my information has disappeared from the Equifax website when I attempt to log in. I am no longer able to access my credit file and FICO score via the Equifax website or the Annual Report website. I review my credit very frequently since I am in the process of pre-qualifying for a mortgage. My lender indicates when trying to pull my file from Equifax he is receiving a " fraud error '' message. 

On XX/XX/XXXX, I contacted Equifax Consumer Reporting because I was unable to access my credit report online. Upon speaking with the agent and resetting my password I received an error message that requested I contact Equifax and provide them with the code XXXX. Equifax system shows that my entire credit report was blank with no information being reported. The agent informed me that due to technical issues, she was unable to assist me and that she was sending my request for immediate support, and that the issue should be resolved in 30 min to 24 hours. To date, I have submitted via fax and mailed documents proof of identity ( State Issued DL, Passport, Social Security card, and utility bills ) and Im still unable to retrieve my report or score and its impacting my ability to qualify for a mortgage loan.

When speaking with an Equifax agent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was asked to submit documentation via a text link but the agents still refused to unlock my online account stating that my account is still with the technical team. When attempting to escalate to a supervisor or the technical team, agent XXXX indicated that they don't have any supervisors and the technical team does not accept consumer calls and there wasn't a turn around time on when my issue would be resolved. As a result, my lender is unable to obtain my credit report which is hindering my pre-qualification for a mortgage.
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/XXXX with both the company and Experian and have had no follow up to date. Experian you are now in violation of 15 USC 1681i for failure to investigate. Additionally XXXX XXXXXXXX XXXX debt violation practices were found to be LEGALLY DEFICIENT in XXXX XXXX XXXX XXXX XXXX XXXX XXXX literally less than a year ago ( XX/XX/XXXX ). The court dismissed the entire claim due to to incomplete verification, confirming that unvalidated debt must be removed. Experian now seems to be willing to let these predatory practices continue with their assistance after fully ignoring my previous dispute which included my FTC filing of identity theft.
Product: Debt collection

Portfolio Recovery is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Portfolio Recovery is reporting an account with a balance of {$720.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I wrote a letter to Transunion stating that I had been a victim of identity theft and there tradelines and inquiries on my consumer report that I didn't authorize. 

On XX/XX/XXXXXXXX  they sent me a letter stating that my request that my request to block and delete the unauthorized accounts & inquiries due to the following reasons : In accordance with Section 605B of the FCRA, we have determined that your request has either a ) been made in error ; b ) is a misrepresentation of material fact relevantt o the request toblock and/or c ) you have obtained possession of goods, services or money as a result of thetransaction issue. 


My request to block and delete those unauthorized accounts & inquiries was not made in error. The request was written by me and it wasn't done in error nor was it a material representation. Nor did I obtain goods, services or money as a result of the transaction issue. 

If I did received goods, services or money as a result of this transaction issue please have a senior executive or someone with who has first hand knowledge of this transaction issue to certify under the penalty of perjury that I have in fact receive goods, services or money from this transactions. 

If you can not then it is hearsay and allegation with no substantial proof. 

Also pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) my consumer report is not supposed to include any transactions between the consumer and the creditor furnishing the report. And also pursuant to 15 USC 1681a ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; IS NOT SUPPOSED TO BE INCLUDED IN A CONSUMER REPORT! You are commiting fraud and breaking Federal LAW! NOR DID I GIVE YOU A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT FOR ME. THAT IS FRAUD! 

The following unauthorized accounts have been identified on my credit report : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF WE CAN NOT COME TO A REASONABLE EQUITABLE SOLUTION TO I, THE CONSUMER THEN I WILL BE FORCED TO TAKE LEGAL ACTIONS AGAINST THIS COMPANY WHICH WILL WOULD BE UNDOUBTEDLY UNADVANTAGEOUS FOR BOTH PARTIES GIVEN THE POTENTIAL COST FOR LEGAL PROCEEDINGS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX and Experian have refused to honor my legitimate requests to block fraudulent items on my credit reports, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft and followed the exact steps outlined by the Federal Trade Commission ( FTC ) to request that these items be blocked. Specifically, I sent each bureau : 1. A detailed letter describing the identity theft and requesting the block, 2. A copy of my FTC Identity Theft Report, 3. A copy of my government-issued photo identification, 4. An excerpted copy of my credit report with the fraudulent items clearly circled, 5. A copy of the relevant police report, and 6. A copy of FCRA 605B. 

I mailed each request personally via the United States Postal Office to ensure authenticity and included all information necessary to identify me. Despite this, both XXXX and Experian responded by claimingwithout any factual basisthat the request did not come from me or was not authorized by me. Meanwhile, these inaccurate and fraudulent items remain on my reports and continue to harm me financially and otherwise. I have not yet received any response from XXXX, but I presume they are following the law. 

It is important to note that prompt blocking of fraudulent information is a clear requirement under FCRA 605B, provided the consumer supplies the proper documentation. I have complied fully, yet XXXX and Experian have chosen to ignore or dismiss my submissions. Their actions violate my rights under federal law and are causing me ongoing injury as a result of continuing credit damage from identity theft.
Product: Mortgage

I have filed a complaint with M & T mortgage ( Complaint number : XXXX ) which I am awaiting response, but I would like to add important additional questions for response to that same complaint number : Why did M & T rewrite the Note/Promissory Note on our loan change, but appears to clearly kept the same original extended adjustable interest rate repayment part in the Note, etc., but did not keep the MATURITY DATE THE SAME ( caused a payment from 15 year payoff to a 30 year payoff ). Why not make other adjustment to adjust the monthly payment ( like lower the interest rate ). Why are the ( Loan Servicing form ) created for the Promissory Note change and loan change not signed by any employee from the bank ( i.e. XXXX XXXX, Vice President of XXXX XXXX XXXX , XXXX, as Servicer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. But their is no signature. XXXX and M & T mortgage should have all these copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

good afternoon dear agency, someone stole my documents and opened several accounts in my name, but this person was unable to use the credits he opened in my name.Please remove them inquiries on my credit
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I opened a credit card XXXX years ago with CITI. They promised to give me XXXX for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. As per FDCPA, you are required to provide this validation of debt within 30 days of receiving my written request. I believe that you, as well as XXXX, whom I originally entered the contract with, are violating 1692g by submitting incomplete information again to my credit report. This is a severe violation of THE FALSE CLAIM ACT, and I urge you to correct this immediately. Moreover, I would like to bring to your notice that XXXX did not adhere to the law of 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( F ), which includes an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period, which began on XX/XX/XXXX, and ended on the later of 120 days after XX/XX/XXXX, or after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action.
Product: Credit card or prepaid card

When I updated my credit report this month, I lost more than XXXX points for debts that I have not paid, I checked my report and I see that someone opened a credit card in my name. Barclay Bank Delaware on XX/XX/XXXX with a credit limit of XXXX. I do not recognize that credit card and I have never been in possession of it. Therefore apparently my credit score dropped significantly.
Product: Debt collection

This medical debt collector is charging me XXXX from XX/XX/XXXX which I have no idea where this company is from. I havent gone to a doctors appointment since XXXX therefore I have no idea where this amount is coming from. I have never left the state
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection Account has violated my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to opt out of this information being reported to XXXX, XXXX, nor Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX ( Bank ) XX/XX/202, XXXX XXXX ( Bank ) XX/XX/2021, XXXXN ( Bank ) XX/XX/2021, XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX  Auto ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX ( Finance ) XX/XX/202 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/202XXXX XXXX XXXXL ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2021 has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from The Bureaus for an alleged debt originally from XXXX XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Inconsistent " Date Opened '' ( FCRA 609 Violation ) The account has different " Date Opened '' values across bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Credit reporting agencies must provide uniform, accurate data. 
Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Date Last Active '' was updated from XX/XX/XXXX to XX/XX/XXXX, falsely making the debt appear newer.

Debt collectors can not manipulate reporting dates.

Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is marked as both a Charge-Off and a Collection, which is misleading.

The account can not legally be both, and this is a false representation of debt.

Dispute Handling Issues ( FCRA 611 Violation ) The account has been disputed, but no proof of verification was provided.

Under FCRA 609 ( a ) ( 1 ), I am requesting the original documentation used to verify the debt.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide : A signed original contract.

An itemized breakdown of the debt.

Proof that The Bureaus has the legal right to collect this debt.

If this can not be provided, this account must be deleted immediately.
Product: Credit reporting

Please see complaint # XXXX for a more detailed explanation. I am submitting this to formally file a complaint for Transunion. On XXXX XXXX, 2015 I accessed the Transunion web site to obtain a free copy of my credit report. I agreed to be charged {$1.00} for the report even though it should be provided for free. On XXXX XXXX, 2015 I was charged {$17.00} by Transunion. I contacted them to discover that I had apparently signed up for their credit monitoring service. I asked them to cancel it immediately and to reverse the charges. They did not reverse the charge but I am disputing the charge through my credit card company. Transunion engages in highly deceptive practices and consumers should be wary of accessing their web sit and certainly their services.
Product: Credit reporting

XXXX refused to ad another person to my credit line with them because of negative information from Experian. Experian had placed a " Fraud Alert '' on my credit file. Experian has never notified myself of this fraud alert. When I called Experian they made me verify all kinds of information such as my bank account and drivers license information. Experian refused to explain to me how they obtained this information. I have not given anyone permission to obtain and keep my bank information or driver license information. I would like more information concerning my credit file with Experian. I would like a complete report with all this secret information that they do not share with consumers.