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

Hello I'm a XXXX person trying to get by on a very low income. 
In XXXX XXXX XXXX XXXX XXXX in Florida for XXXX XXXX XXXXXXXX XXXX XXXX happened during a car loan I had with XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX {$9700.00}. 
They took all my worldly possessions, as well as, my car, and auctioned it off in Texas. 
My current credit score is XXXX Which is very poor and causes me financial hardship. 
The loan is now in possession of a collection company. 
I'm trying to get on with my life, yet I can not receive any sort of loan or checking account Please help Sincerely XXXX
Product: Debt collection

The debt collector called me on XX/XX/XXXX @ XXXX XXXX  to try to collect a debt that my wife owed. I am not on the account and did not apply for the credit card. My wife applied for the card when we were legally separated. I told the agency this and gave them my wife 's cell phone number to call direct. They confirmed they already had it. I asked them not to call me again because the matter had nothing to do with me. They agreed that this debt was not mine so they would follow up with my wife. I received another call on XX/XX/XXXX @ XXXX XXXX with the same gentlemen asking the same questions. I ask him again to call my wife and take my number off their " list ''. He started to ask harassing questions about whether I followed up with my wife, if I told her to call them, etc. I again asked them not to call my number and confirmed my wife 's number again, then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Starting in XX/XX/XXXX, I asked why my loans were in deferment. I received an email stating that I could have them taken out. I was never told it was an administrative forbearance because of their issues. I would have just left in in administrative forbearance. It took almost 3 months to get a response that " customer service already handled this. '' I have tried calling and after an hour on hold get disconnected. This has happened more than once. Now they say I owe a payment in XXXX. I only know this because I looked on the website, I never received a statement ot email. When I tried to pay it, the system would only take it if I paid {$80.00} more that the payment amount so I did not pay it. I have been applying for PSLF since Covid lockdown and have yet to receive a determination on loans from XXXX and older.
Product: Credit card or prepaid card

On XX/XX/XXXX my wife and I were returning an item at the XXXX XXXX in XXXX XXXX, CA. In hind sight we can only assume our HSBC credit card was lost at that location. At approximately XXXX XXXX. I received a text from HSBC indicating there are suspicious charges on my credit card account. I contacted HSBC immediately and was informed someone had used our HSBC card twice at a XXXX 's store in XXXX XXXX, CA., one charge for {$500.00} and another for {$1000.00}. The card was closed and thus an investigation started. I contacted HSBC the next day to ask them how to proceed. I was told the investigation would take approximately 90 days to complete. I waited. Around the XXXX of XX/XX/XXXX, I contacted HSBC and was told the investigation was still ongoing and to wait another week. I contacted them again a week later and was told the same thing again. I pressed for more information and was told I needed to complete a police report. I filed an online report XXXX # XXXX ) and again waited another week. On XX/XX/XXXX HSBC told me the investigator had talked to the XXXX  detective and that the detective would be calling me. Proactively I contacted Detective XXXX XXXX of the XXXX Police Dept. who told me he had no questions for me. Detective XXXX further indicated that the investigator he spoke with mentioned the charges were indeed fraud. I contacted HSBC again to speak with XXXX XXXX unknown last name ) the investigator. He was not available and after be assured on three separate phone calls that XXXX would be returning my call, he has never done so. On XX/XX/XXXX I spoke with HSBC investigator XXXX who told me to submit a complaint in writing to a PO box in New York. I sent a certified letter on XX/XX/XXXX to the address I was given and it was returned today with a NS # which I assume is no-such number. To date this remains unresolved and I have had NO communication in writing or a phone call from HSBC. ALL communication has been initiated by me.
Product: Mortgage

XXXX XXXX XXXX prepared loan modification documents for someone that did not have ownership interest in a property that was in probate when my mom passed away. The home was later distributed to the heirs to my moms estate, which included me. XXXX is shown on the loan modification as the servicer and lender. XXXX XXXX is shown as the borrower and owner, but he had no ownership interest in the property. The derivation clause was left blank and the signature of XXXX XXXX was not notarized. While the modification was never recorded, it was later sold and when XXXX XXXX defaulted on the void modification, the current servicer filed for foreclosure on the original mortgage and didnt mention the modification to the court. I asked the court to vacate the order allow the foreclosure of the note and mortgage as the payment terms in the complaint did not match the deed and mortgage. In responding to the motion to vacate, the new lender introduced the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had my correct address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They decided to change it this month to a false address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is false. 

They credit agency and irs contacted me to notify me of what they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX to Present, I have disputed XXXX XXXX XXXX Account and have asked for the removal from my file with all the Credit Reporting Agencies. I sent TransUnion Identity Theft Letters dated XX/XX/XXXX, and a repeat letter dated XX/XX/XXXX, along with the Identity Theft Police Report requesting the removal of XXXX  account from my Credit Report. 

I received a response from TransUnion dated XX/XX/XXXX stating XXXX # XXXX was DELETED from my credit report. I received a new Credit Report dated XX/XX/XXXX XXXX account still showed. 

XX/XX/XXXX, I received a response from XXXX XXXX XXXX giving notification XX/XX/XXXX, my name XXXX XXXX was removed from the XXXX  files as a joint account holder, and on the same day a request was sent to the Credit Reporting Agencies to have the account ending in XXXX DELETED from my Credit Report, please allow 30 days. 

I submit another request for my Credit Report again dated XX/XX/XXXX XXXX account still shows. I have sent the same information to XXXX and XXXX and they have removed XXXX from my account EXCEPT for TransUnion Credit Report Agency. 

I have sent another Letter to TransUnion XX/XX/XXXX requesting the removal of XXXX  account off my Credit Report Again. As of todays date XX/XX/XXXX I have not received a response back.
Product: Debt collection

Midland credit management has XXXX  accounts these are the account numbers XXXX and XXXX my phone has been compromised by a foreign up address and all account activity since XXXX of 2023 was used by this hacker which had all access and account information to do what they did and mock my voice to where it sounded like me and very much so was not me making any purchases I was never in these places physically to make these purchases at any time and second I am requesting how the accounts where established as I do not have card data for any of these accounts .. signed docs that they were signed up by me or what IP phone address was used to obtain these accounts I have called XXXX XXXX they refuse to send them to me referred me to this option as I have requested these in the past and they could not provide them.. my right to ask for these information and now its on my credit as a collection and its not my debt at all what so ever
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Capital One. Both XXXX and XXXX failed to do an investigation before reporting false information. Capital One failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. Capital One Never has sent any documents bearing my signature.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion XXXX XXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I received a copy of my credit report at the end of XXXX that showed that XXXX shows that I was late on my student loan payment for the Month of XXXX, XXXX and XXXX. I spoke to rep who state I needed to upload supporting documentation to all three of the bureaus and they will review the info and make corrections where needed. XXXX  and XXXX within 2 business days everything had been reviewed and the delinquencies had been removed from my credit report. I waited 30 days with Transunion spoke with a Manager by the name of XXXX XXXX  on two different occasion who stated they received the documentation and the he would go away and make the needed the needed corrections. He did and 30 days later they were back on my credit report, I spoke to him again and he stated yes, I have all your documentation and we will go ahead and remove the information again. It has now been over 60 days and I'm still fighting with Transunion to remove the items as they not correct. I spoke with Manager XXXX at Transunion and he stated he would remove the items again, but I'm getting really frustrated with the fact that each month I have to call and ask them to remove the items as they aren't correct and it's causing me many problems as I am the process of purchasing home. I have worked too hard to keep my credit in good standings and to have inaccurate information reporting is costing me time and money during the home buying process.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 XXXXXXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

A blow to my credit score took place under a unauthorized, unaware of hit of a car loan for a vehicle I've never thought existed
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE? I, XXXX XXXX is a victim of identity theft and you shall help me with this!
Product: Payday loan, title loan, or personal loan

The goods ' terms and delivery were very different, and the availability of the point of possession was way off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. Capital One Auto Finance. I discussed with company that this account will be removed from my account, XXXX
Product: Checking or savings account

I Constantly Check My Credit Report And Noticed That Errors And False Misleading Information For Individual Accounts Didn't Quite Meet The Credit Reporting Standards Of Being 100 % Correct This Has Changed Me And Held Me Back For Some Time Im Demanding The CFPB To Enforce The Corrects And/Or The Deletions Of These Items I Deposited Two Checks Into My Chase Checking Account On XXXX  Chase Made The Funds Available But Refused To Release The Funds To Me
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Capital One Bank USA are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX  Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$210.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX23-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX