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

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2EQUIFAX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Please see the attachments for a full description and all documentation. Gemini transferred XXXX XXXX and XXXX XXXX that I did not authorize and did not receive any notification for the transfers. Neither I nor could XXXX stop or freeze my account. Gemini had XXXX XXXX over the situation and could easily have mitigated and even ended the hack the by having a secure system and telephone support. They have neither. Due to their lack of telephone support and insecure system that did not track any unusual activity, it took Gemini an hour and XXXX half to freeze all accounts resulting in losses of XXXX XXXX dollars in XXXX coins and cash. Gemini has NEVER responded to all the questions found in the attachments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Equifax Today XX/XX/2022 I received a credit alert that my address had been changed from my current address listed above which I changed via USPS mail in XXXX of 2022 to an old address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. 

I have not lived at that address in over 8 years! 

I called Equifax to ask why would they fraudulently change my address without my authorization and the representative told me a creditor had given them that address. I explained to the representative that I have no credit tied to the address of XXXX XXXX XXXX and Equifax has no right to change my current address to an old address. 
The representative then said he will put in a dispute for the address. 

I then hung up the phone and called The City of XXXX which is where that address is. The city of XXXX XXXX Department advised me that I had a bill with them that had been sent off to a collections company. 
The representative at The XXXX of XXXX advised me that I could go on their website and pay the bill. 
I then went on their website and paid the bill of {$190.00} and I have included the receipt and email that I received as confirmation of payment being made. 

Equifax in cahoots with an unknown collection agency changed my address to suit the collection notice that I would not receive because I dont live at that old address. So what Equifax did is updated my address from my current address to an old address to match the collection that was going to hit my credit report HOWEVER I never received any notification from a collection agency and why would I if the Credit Bureau illegally changed my address so that not only can a collection account report on my credit report but the address would match what was reporting. 

That is HIGHLY ILLEGAL. 
Im considering contacting an attorney for this matter! 

If a negative item hits my credit report not only will I sue Equifax for damages but I will go to the media about what Equifax is doing to consumers. 

I have included a copy of the paid water bill and email if confirmation! 

The CFPB needs to look into this because this is highly illegal to do.
Product: Debt collection

I have reached out to Concentric Receivables about an alleged medical bill that does not belong to me. I am a victim of identity theft and have asked this company to provide proof that this debt does belong to me yet that have failed to do so. I do believe that this debt is a result of identity theft. I also know that I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any provider for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization so I am confused as to how and why this company would have anything about me anyway. I am more than sure that I have never had an obligation to pay Concentric Receivables any monies. I also do know that any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. this company failed to even allow me to validate this account that I am more than sure is an account that is a direct result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXXr. XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redresse for these violations.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a recent copy of my credit report, I noticed that I had an unauthorized inquiry listed by Synchrony Bank for Amazon.  Knowing that I had not applied for credit through either company, I immediately sent a letter to Synchrony Bank on XX/XX/2020 and informed them of the error. I told them that I had not interacted with either Synchrony Bank or Amazon in applying for credit and I requested that they remove the fraudulent inquiry. I received a letter back dated XX/XX/2020 in response to my request. They stated that the inquiry was a result of an application for credit. They further stated that they follow the law and it is their obligation to accurately report customers credit related information to the bureaus. Therein lies the problem : they are not following the law, and they most definitely are not accurately reporting my information to the bureaus. I specifically let them know that I did not apply for credit. I do not know who did, if in fact anybody, but I did not. They are falsely and maliciously reporting inaccurate negative information to the credit bureaus, causing me great distress. They are in violation of FCRA laws, among others.
Product: Credit card

I demand that a competent authority in the American Express organization sign the rescript been sent to me or call me to discuss why my right to credit is withheld. In what authority does American Express have right to closure or sales of my personal property when I am the administrative authority over the account?
Product: Mortgage

Over the course of 7 months of negotiations and several foreclosure sale postponements. We accomplished raising money to Fully Payoff our XXXX Mortgage ( BB & T ) and Short Pay XXXX Lien Holder ( XXXX-HELOC ). Another Foreclosure date was set for XXXX XXXX, 2016, without my knowledge, no notice to XXXX Lien Holder, and No notice posted on XXXX XXXX XXXX, webiste ( Foreclosing Attorney ) We were in bi-weekly communication with XXXX XXXX XXXX to obtain a updated payoff and no one mentioned New Sale date. We would have put in a request for postponement as in previous occasions. Most assuredly with money coming from IRA account to pay it off. However, We closed on XXXX XXXX, 2016 using a copy of my husband Power of Attorney. He was out of state in XXXX XXXX XXXX XXXX and hard to reach. He gave me POA to sign closing docs for him. The Original POA was lost in the mail and another had to be sent. On the afternoon of XXXX XXXX, 2016, The Title Company received the Original POA and began to disburse funds. They hand delivered the check to Junior Lienholder on XXXX XXXX, 2016, and then called to get a daily per diem to payoff BB & T via XXXX XXXX XXXX. XXXX advised the Title co that the property had been sold that Morning XXXX XXXX, 2016 to a Third party ( local Investor-Non Owner Occupant ). We began to communicate directly with BB & T that Full Payoff was available if they accept the payoff. BB & T advised they could more than likely allow Us to redeem the property due to State of TN 730 day Redemption Period. Even IF we Knowing or Unknowingly waived our rights to redeem int he original Deed BB & T could work around this to accept Full Payoff regardless to Third party buyer. 
BB & T sent request to XXXX XXXX. XXXX XXXX advises me as of XXXX XXXX, 2016, that it is at the discretion of the Servicer and their attorney to allow borrower to redeem the property. 
XXXX XXXX XXXX do NOT want to approve XXXX XXXX for XXXX. I find it strange and unjust that XXXX should reject the actions taken by their client to work with Us. XXXX XXXX XXXX is not interested to accept Full Payoff. XXXX wants the foreclosure sale to stand in spite of my conversation with BB & T ( XXXX XXXX XXXX 's client is attempting to work with Us ) BUT XXXX XXXX XXXX do not want to work with Us.
Product: Vehicle loan or lease

I have contacted Nissan Motor Acceptance # XXXX as well as the consumer repoting agencies XXXX, XXXX and XXXX in regards to this matter. XXXX said that hhey advised me that they could not fix this so i am now coming directly to the cfpb in a effort to clear up this matter and know that the cfpb will not neglect or provide any type of prejudice. The consumer reporting agencies listed above said that thus information was verified. My credit report shows an account with Nissan Motor Acceptannce show the account with multiple late payments, from the looks of it the late payments are from year 2021 for XXXX XXXX, XXXX, XXXX, XXXX, XXXX are year 2021 for months XXXX, XXXX, XXXX, XXXX. XXXX are year 2021 months XXXX XXXX XXXX XXXX and the status as pay account as agreed, XXXX shows XXXX, XXXX and account status as paid account as agreed. The year 2021 is k a well known year to be a year of disruption of life due to covid 19. This reporting is affecting my family and i life in a huge way. The inaccuracy is also a violation of my report being XXXX percent accuarte. I have already lost so much due to covid 19 that this is causing me present day to still lose out on and has caused much distressed. Specifically listed within the FCRA it states that i have the right to an accurate credit report and the right to prove the accuracy of my credit report. The FCRA also discusses my right that no consumer reporting agency has no right to report or furnish any information that is to believe inaccurate, i believe that it is listed in 15 usc 1681s-2 Negative information, also listed within that section is the notice of negative information where in fact a notice is required in writing to the consumer by the financial institution that extended the credit to the consumer. WHich i am stating that one XXXX XXXX XXXX is reporting my account information inaccurately to the consumer reporting agencies and also late payments is negative information in which i have never received a written notice of the negative information. i have attached the imagesof what is reporting from XXXX XXXX and XXXX. CFPB im certain that once you take a look at the attached images you will see that the attachements from the big 3 consumer reporting agencies all read inaccuarte reporting.I am aware that XXXX and the Big 3 have a paying business relationship in which XXXX pays the big 3 money to report this information which is reporting false and inaccurate and a violation to my rights. I know that the CFPB will be fair to the consumers regardless of the business relationship that XXXX and the Big XXXX has
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX  XXXX XXXX/XXXX DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX
Product: Debt collection

I want this account removed due to deception and predatory lending practices. This account is in litigation and falls within the timeframe of XXXX. My account was opened on XX/XX/2018. Please remove this account immediately.
Product: Mortgage

We went through the PMI removal process in XXXX of XXXX, while our mortgage was still with XXXX XXXX XXXX. It was approved, effective XX/XX/year>. When Newrez took over, our PMI had been removed, and was removed for 4 months..until they decided to put the PMI back on, without telling us. I got a letter that our escrow is short, and noticed they have been taking out PMI on us for 13 months. They conveniently dont have the documentation that it was approved for PMI removal, but they did have a copy of my check to do the process. Lucky for us, we do have documentation that it was approved, the check, AND the fact that it was already removed should have been proof enough that it had been approved by XXXX. They owe us over {$1400.00}.