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

I went to check my credit report looking into opening a new account in found multiple accounts that where in accurate fraudulent or in violation of my rights. I reached out to the companies know response i reached out to the credit for each violation. 

15 U.S CODE 1601 15 U.S CODE 1666B 15 U.S CODE 1601 15 U.S CODE 1692C XX/XX/2024 {$42000.00} XX/XX/2024 {$21000.00} XX/XX/2024 {$2700.00} XX/XX/2024 {$4800.00} XX/XX/2024 {$4900.00} XX/XX/2024 {$13000.00} XX/XX/2024 {$580.00} XX/XX/2024 {$220.00}
Product: Credit reporting or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX the above accounts are not correct. I have challenged them before.
Product: Debt collection

I believe they purchase a credit card debt Portfolio Recovery have been harassing me with phone called, since 2013 to date I even change my number they obtain my new number illegally and continue to harassed me after I repeatedly asked to stop put me on a do not call list, thet continue to from endless different number I usually put them on my block list they just continue from a new number all time off the day and night. PORTFOLIO RECOVERY NEED TO STOP HARASSING ME. PLEASE. THIS WAS THE LAST NUMBER THEY CALLED ME FROM XXXX
Product: Credit reporting or other personal consumer reports

I reach out to the credit reporting agency Experian, XXXX, and XXXX and notified them that this account with XXXX XXXX XXXX if fraud. I never open or had account with this company. I sent letters requesting the information be remove. I also stated that this fraudulent information is hurting my credit. 

XXXX Total balance : {$1300.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance {$1300.00} Balance updated XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some of the accounts listed have wrong info about when they happened and how much they were for.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am the living woman and beneficiary of this account and it has been brought to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any responses because of the automated system they have in place which in fact is a violation as well. 

They have violated the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give them permissible purpose to identify these acccounts. These XXXX credit reporting agencies have contractual violations, FCRA Violations, UDAP violations as well and I do intend to sue if these accounts are not deleted from my report.
Product: Debt collection

Southern Oregon XXXX Services garnished my entire state tax return without sending me notice of said garnishment to the address that I filed with for two years in a row. I was not aware this student debt existed, as its over 14 years old. They collected these funds using deceptive and abusive collection practices. Under current state and federal statutes, collectors may not collect on private student debt or federal student debt until the statutes have been lifted ; Note. see statutes and guidance from XXXX. XXXX XXXX, enacted XX/XX/XXXX ; Guidance The division encourages its regulated debt buyers and collection agencies to take active measures to provide help to debtors affected by the outbreak. Regulated entities should : Be willing to accommodate debtors who have stated that they have hardships resulting from the outbreak, such as reduced income, reduced hours, lost employment, or illness. 
Offer payment accommodations, such as allowing a debtor to defer payments, extending payment due dates, or otherwise adjusting terms of existing payment plans. 
Waive late payment fees or online payment fees. 
Waive nonsufficient funds fees or reduce them to match out-of-pocket costs. 
Temporarily suspend collection activities for debtors who have significant financial or medical hardship. 
If you suspend activity on one account of a debtor, suspend activity on all accounts of that debtor. 
Stop collection activity against debtors with no access to assets whose only source of income is an exempt source, such as Social Security. 
A debtor may decide to pay the debt with economic impact payments from the stimulus funds, but Gov. XXXX XXXX XXXX executive order prevents creditors and debt collectors from garnishing a debtor 's CARES Act recovery rebate payment. 
The division considers the above measures to be in the public interest. This bulletin applies to debt buyers required to be licensed under ORS XXXX to XXXX and collection agencies required to be registered under ORS XXXX to XXXX. 


They also did not send ANY documentation to me regarding this debt so I could provide my Attorneys information that filed my bankruptcy two months before this garnishment took place. They also took my refund last year AFTER the statutes went in to place as well. With it being a smaller refund last year I did not notice it was missing from the overal refund. This year I was owed XXXX from my state returns. I claimed XXXX all year so I could receive that " savings ' with my return, that has now been deceptively used to pay this XXXX XXXX XXXX debt. They collected illegally. Oregon law states debt can not be collected after 6 years. SIX. NOT FOURTEEN. 

I would like this matter investigated and the full amount owed to me returned. I plan on filing a lawsuit with my attorney as well. 

My attorney is XXXX XXXX XXXX upright LAW. 
My address is XXXX XXXX XXXX XXXX XXXX OR XXXX My full name is XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you for your time.
Product: Checking or savings account

Hi, I am an unemployed Californian that receives his payment via debit card. Since first receiving my card approximately a month ago, it has been blocked three times, all without notice of any kind.

This has caused embarrassment and a scramble to pay bills.

The first two times I called, I was able to get the card unblocked with minimal problems and both times received promises that it would not happen again, and if it did, BOA would notify me.

Both those promises were untrue. The third time I called, I was placed on hold for an hour and then given a full " Know Your Customer questionnaire. '' In my frustration, I made two mistakes that I clarified but was told that it was too late and that I must go to a branch with two forms of identification, which is ridiculous and inconvenient. This whole process is so bad that I wonder if BOA is deliberately making it so. Whether or not they are doing it on purpose, they have effectively cut me off from needed funds three times in a month. And are now making me jump through hoops to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a fraud account on my chex systems  report from XXXX  XXXX XXXX and i want it removed and blocked from reporting under the FCRA and chex systems  is refusing i have an id theft report from the ftc and police report i sent them
Product: Credit card

I am requesting the name, address, phone, email and fax of the custodian of records who maintains records for all cards financed by TD Bank.
Product: Debt collection

my personal identity has been stolen and used to open this account i have filed police report and and affidavit to that effect but this company has this fraudulent account on file as me as well as continue to try to collect and report this fraudulent account to the credit bureaus ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX  I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report wrong information on my report. XXXX  has already investigated and removed the accounts. The following accounts are not mine and should be removed because they are fraudulent. 

XXXX XXXX -- Account # XXXX XXXX XXXX XXXXXXXX -- Account # XXXX XXXX XXXX -- -Account # XXXX XXXX XXXXXXXX XXXX XXXX -Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX XXXX  : XXXX XXXX XXXX. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.
Product: Credit reporting or other personal consumer reports

I am frustrated by the ongoing inaccuracies on my credit report despite sending multiple dispute letters. I am disputing the inaccurate reporting of three crucial dates : Last Activity, Date Opened, and Date Reported. These discrepancies violate credit reporting guidelines, which mandate consistency and accuracy across all credit bureaus. The misleading information must be corrected immediately. I request the removal of these inaccuracies from my credit report.

Under the Fair Credit Reporting Act, it is essential that all information on my credit report be completely accurate. These discrepancies are violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Attached are copies of all previous dispute letters for your reference.
Product: Student loan

0n XXXX XXXX, 2017 I received a letter allegedly from the XXXX XXXX XXXX XXXX  attempting to collect a student loan by Treasury offset. On XXXX XXXX, 2017 at around XXXX XXXX., I placed a call to the number listed in the letter ( XXXX ) in an attempt to get more information on this account. I was told by the person that answer the call that the total amount of this alleged debt was over XXXX. I told the employee that the amount was totally wrong. 
In the letter the total amount of the debt is listed as around XXXX ( copy attached ). 
The number listed on the letter belongs to XXXX XXXX XXXX XXXX, a loan servicer and a debt collector. It is not clear who is trying to collect here and what the amount of the debt is. 
On XXXX XXXX, 2017 I sent a certified letter to the XXXX XXXX XXXX XXXX requesting validation of this debt ( copy attached ). To this point it is unclear if the letter I received was sent by XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX. 
I am a veteran and after honorably serving this my adopted country with pride at least I believe I could request that the CFPB help me with the investigation of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several unauthorized inquiries from my credit report. Due to a recent data breach, I have become a victim of identity theft, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed from my report.

The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization, and I am requesting their immediate removal.
Product: Debt collection

I had health insurance, on XX/XX/XXXX of 2015 XXXX XXXX billed me for no insurance I called back giving them my information, they called me back 5 minutes later stating I did n't have health insurance. I told them I will call you back I should have health insurance so when I called XXXX XXXX back they never would answer I called multiple times leaving messages with no response, I received a call from XXXX about it being in collections I told them I had health insurance and that XXXX XXXX neglected to call me back with any updates. I sent them the information from the XXXX State Health Authority, my debt was removed from XXXX but not from XXXX. Only to find today my debt in collections is not double the amount and showing on both credit reports. I need help I 'm fed up with the games both XXXX and XXXX are playing. I do not owe either a single penny I am on a state funded healthcare program due to low household income my health insurance is free
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT
Product: Debt collection

On XXXX XXXX I sent XXXX to the XXXX XXXX  via PAYPAL for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I received the XXXX 's I got the XXXX XXXX framed and once I had saved the money I was going to get the XXXX XXXX framed. Due to a XXXX XXXX I was forced to sell these XXXX 's for family expenses. When I went to sell the XXXX XXXX the buyer said the XXXX was a fraudulent a FEDERAL CRIME. We then went to the web site of the company that supplied CERTIFICATE OF AUTHENTICITY with the XXXX. You can only imagine our surprise when the website was a XXXX XXXX XXXX. I immediately contacted the seller he offered to replace the XXXX  with one from his own company, something I compared to having the fox watch the hen house. He refused to return my money. I then filed a complaint with PayPal. That was the beginning of a nightmare of lies, confusion, and twisting my words by PayPal. They continually changed the amount I requested and the reason 's I wanted my money back.They did a horrible job of protecting my interests. They first decided in my favor but they demanded the wrong amount, I was only entitled to {$550.00} they kept asking for {$1500.00}. No matter how times I told them that was the wrong amount. I then got into an argument with an unstable employee and she informed that she was going to change my favorable decision into a denial. I finally received a provisional credit for {$950.00}. Which was reversed on the grounds that I bought the jersey 's to sell them which was never the case. The point is that PAYPAL is aware that I was sold fraudulent sports memorabilia jersey which is a FEDERAL CRIME. And is now demanding that I return the {$950.00}. I have no intention of doing this cause I DID NOT BREAK THE LAW, XXXX XXXX XXXXXXXX DID WITH PAYPAL 'S KNOWLEDGE AND BLESSING. I respectfully ask that the CFPB intercede on my behalf and correct this horrific miscarriage of justice. And punish PAYPAL for being duplicitous in this CRIMINAL BEHAVIOR. I will be more then happy to supply a plethora of E-Mails between myself and PAYPAL to buttress my complaint upon request of the CFPB.
Product: Mortgage

I have been attempting to get on the forebarance plan with Third Federal. They offered me three options. With 2 options my credit would be negatively impacted, with the third, they would accrue interest during the forbearance plan, which directly violates the CARES act. I have recorded my conversations with the bank as well, for proof. 

I also was denied a modification. They ran my credit several times unnecessarily, so I am now in a worse position ( lower credit score ) due to the hit my credit score took ( because of their inquires ) They don't care about their clients.
Product: Credit card or prepaid card

During Covid-19 pandemic, I XXXX from XXXX in XX/XX/XXXX moved back home and worked at XXXX XXXX I was removed from my XXXX XXXX position on XX/XX/XXXX, and on XX/XX/XXXX, my father, unfortunately, had a XXXX XXXXXXXX and my mother and I were left to pick up the slack with the bills in the household, resulting in me not being able to pay off my required dues. With the lack of job offering during the pandemic, I was not able to fully sustain all of the bills that were given to me, specifically my XXXX loans and my credit card bills.
Product: Debt collection

On XX/XX/2024 I received a call from DNF Associates. They were attempting to collect a debt of XXXX. I agreed to pay that in order for the account to be reported paid and removed from my credit. They agreed to report it as paid. One month later after i paid it in full, i called back to ask if they had reported it as paid. They told me that had not yet but would by XX/XX/2024. I called back again today and they told me they never said they would report it and that i would have to file a dispute with XXXX. I did so and it was not removed due to DNF not telling them it was paid. I was tricked into paying something i didnt even owe and misled about their intentions on reporting it. They basically laughed in my face and took my money without ever reporting it as paid to XXXX.
Product: Debt collection

They posted the negative remarks on my credit report I sent two letters to Phoenix Financial Service, LLC in hope they can validate this debt they claim I owe. I will provide the letters I sent along with certified mail tracking numbers. They have yet to respond and this account is hindering me from moving forward with my home buying process.