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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3400.00}.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from XXXX XXXX, XXXX XXXX XXXX Fin, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX U, Exeter XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Validation of the XXXX ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money XXXX  Regulations XXXX and what actions s/he has taken in relation to this account. 
I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; XXXX will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 
Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I XXXX take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXXXXXX XXXX XXXX XXXX XXXX because of their frequency or manner. 
Best Regards, by : XXXX XXXX XXXX, grantee, beneficiary All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # XXXX, # XXXX 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 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: Debt collection

I noticed that there was a collections item on my XXXX credit report and desputed it and it came back as valid however i am disputing an address that was also on my XXXX credit report that i never lived at and it was removed so i have reason to believe that tye person or persons who ooened this account used an address. With my name and as a result it was put on my credit report as owed
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights 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: Mortgage

XXXX sold my mortgage to Carrington Mortgage Services, LLC in XX/XX/XXXX, and they have refused to take mortgage payments, has not provided the original wet ink signed unaltered documents showing proof to collect, refused a short sale, refused assumption packet, had my homeowner 's insurance canceled, submitted altered documents to XXXX and XXXX courts requesting to foreclose on my property three times with most recent letter dated XX/XX/XXXX with a move out date of XX/XX/XXXX. CMS provided altered docs stating I defaulting on loan in XX/XX/XXXX and did not reinstate the loan when I have documents showing that XXXX approved a loan modification and said for me not to may payments from XX/XX/XXXX - XX/XX/XXXX. CMS submitted docs to County 's recording office stating I appeared in CA and other locations that I did not appear. Did not honor the Administrative process to show proof of " said '' debt, and the mortgage loan has been securitized and CMS can not produce a clear title or show true holders of the promissory note or title. CMS has tried to force me to move out of the property and refuse to work with me. CMS has rude customer service reps, do not apply payments in a timely manner, called to cancel my homeowner 's insurance, increases customers mortgage payments without valid explanations, changes the locks on the residents homes, make attempts to break into properties, file fraudulent docs with County 's Clerks office, website will not accept online payments - forcing customers to pay additional money for alternative payment methods. CMS is a very dishonest company who do not seek to work with its mortgagee but rather are quick to use deceptive practices and altered documents to enforce foreclosing proceedings. CMS will lie, created fraudulent documents, send over workers to illegally enter your property, and submit fraudulent documents to courts and County 's Clerks office to conceal their illegal attempts to steal your home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A section 2 ; it also states that consumer reporting agency cannon furnish an account without my written instruction.
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 confidentially under 15 USC 1681 On XXXX the XXXX XXXX I told the experience, XXXX, and XXXX to reinvestigate these accounts : ACCOUNT NAME : XXXX XXXX XXXX XXXX : ACCOUNT NUMBER:XXXX  : ACCOUNT NAME : XXXX XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX & XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME XXXX  : ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME XXXX XXXX  XXXX XXXX ACCOUNT NUMBER:XXXX : account name : XXXX : ACCOUNT NUMBER XXXX XXXX. However, they stated everything was complete and accurate but how is that possible if the open date, of that activity in much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. When I call the consumer reporting agency and ask how did they get this information on my credit report they had told me the financial institution ( Banks ) which will be XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXX XXXX had gave it to them without my permission that is a violation of my privacy right under the Privacy Act of 1974 that is identity according to 15 USC 1681 permissible purpose. Also violated the code fcra/ftc/cfr and USC codes. I was not involved with these transactions they have stolen my non-public personal information and also the financial institution when it gets their terms and conditions under their privacy policy that they have made with me at the time of opening the accounts that they will not share my information to non-affiliates Experian, XXXX, XXXX and early warning services are third party companies. IT'S CALLED DAMAGE TO ME SUFFERING STRESS XXXX LOST MY FAMILY LOST MY HOME CAUSE XXXX  CONFUSION AND WHEN I FOUND OUT ABOUT WHAT WAS GOING ON IT CAUSE MORE XXXX  TO MY SEVERE XXXX WHERE I HAD TO DOUBLE UP MY DOSE. THE FINANCIAL INSTITUTION ( Banks ) been buying and selling my non-public personal information without my permission or without my written. Also XXXX  XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 a section 2. It also states that consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting AC may make any Consumer report containing any of the following items of information any other advice items or information, other than breakers 2 convention of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsible calls to believe that the information is incorrect. 

I also opted out out of all these account and it's still on my Consumer report
Product: Student loan

On XX/XX/2022, my brother XXXX XXXX received a call about my student loans from Navient. I do not understand how they got his phone number but thats not a point of major concern. They asked to speak with myself. He addressed himself as XXXX XXXX. They asked him to verify my DOB which he initially got wrong. They played a guessing game with the year which he eventually got right. If they asked him to verify anything else to include an address he would not have been able to. They proceeded to discuss my student loan information. He knows my account balance and what kind of settlement that they are offering and he shouldnt. He has never been authorized to speak for me. He has never been included on any of my loan documents. Never had he been noted to be a POA or anything of the sort. It is my understanding that I have a right to some level of privacy.
Product: Debt collection

Respectfully disputed debt collection that is not mine feel that this debt that midland funding is now after 5years has opened a class G collection against me severely damaging my Credit is unjustly being waged against me as a consumer this account is fraud I ask that the account be resolved expeditiously as to not impact my Credit Records I have allways paid debt off when the accounts were legally my responsibility and this account with Midland Funding Does not belong too me and I feel I am unjustly been given unfair debt added on my Credit Reports . Ive made good faith efforts too resolve the matter without any response from this agency the company has repeatly lashed out at me in a negative manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I received a copy of my Transunion consumer report and noticed a report of a public record. I sent Transunion a dispute letter notifying them of the error and demanded that it be removed. 
On XX/XX/2022 I received a notice from Transunion stating they had completed there investigation of my dispute and the account was " updated. '' Transunion also noted on the letter that what was updated is " not specified. '' I went back to review the report I received in XXXX and then compared it to the " updated '' entry and I see no change at all. This account is reporting today the same as it was before. Transunion has NOT properly investigated this account and is willfully reporting incorrect and inaccurate information on my report. 
According to the FCRA, in order for Transunion to report the alleged US BANKRUPTCY COURT it would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX, whom Transunion states on their website public record information is obtained from, that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Transunion is breaking several federal laws and committing fraud according to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ), and I HAVE NOT given any direct or indirect instruction to furnish any of my information.
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 account vulnerable and unprotected. Furthermore, their dispute resolution process 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 redress for these violations.
Product: Debt collection

Collection Agency - Medicredit XXXX XXXX XXXX XXXXXXXX is attempting to collect a dept that XXXX has paid in full on XX/XX/2022. 
Have they conferred with the provider XXXX XXXX XXXX  regarding this payment. 

XXXX Confirmation number of payment is XXXX. There is NO BALANCE DUE.
Product: Credit card

Synchrony Bank to creditor of my Amazon Prime Store card reduced my credit limit for not specific reason. I called to inquire about an exact reason relating to this account. I was meat with a lot of opposition by a person by the name of XXXX who claimed she was the person authorized to make a determination on this issue and refused to escalate my call when I ask her to. She did not provide any specific reason for this change in credit limit ( XXXX credit limit to XXXX credit limit ). The account has never been delinquent nor maxed out. XXXX XXXX lead me to believe had the authority to restore my credit limit, but did nothing but re state what state in a letter notifying me of the change in credit. This card and all the other credit cards are current and in good standing. The same credit issues on my account were there when they approved this account. This affects my credit rating, Synchrony did not have a reason for doing this. I see the left enough on the line so that they could automatically recharge my account for the Amazon Prime annual fee.
Product: Credit card

I XXXX that happens to be a Corporation. I wanted a new credit card that I could use for expenses XXXX vendors, etc. ) that would offer high acceptability and rewards. I opted for the Capital One XXXX for XXXX, that offers 2 % cashback on all purchases. Like the other XXXX accounts the corporation has, it requires a credit check for both myself and the corporation. The other XXXX accounts, XXXX with XXXX and XXXX XXXX, all report only to the Business entity, since it is a corporation and is treated as a separate person. In applying for those XXXX lines of credit, they show up as a 'hard ' credit inquiry on my personal credit, which was XXXX understood and assumed. However, the Capital One credit card shows up on XXXX on the business entity and my personal info. Highly unusual, but as I understand, legal ( especially when considering my excellent credit ). I informed them of this perceived inaccuracy and they assured me this is their standard practice, to dual report on all businesses, regardless of type XXXX sole prop, llc, corp, etc. ). Unsatisfied, they transferred me to a kindly young lady named XXXX at executive account resolution. Over the course of approximately 3 weeks, she was unable to provide any written disclaimer stating this was the practice of Capital One. As of today, she directed me to a statement that is located on the XXXX Bullet Point of the section titled " Additional Terms and Conditions '', which states that we ( I and the business ), " Authorize the receipt and exchange of credit information on XXXX the Business Signer and the Business, including the exchange of information between Capital One and affiliates ''. This is not a disclaimer relevant to my concern. If it had been known to myself that dual reporting to the XXXX credit agencies was to be expected, I would not have applied or accepted this credit offer. I suspect strongly that this is not easily solved- not for a lack of being complicated, but for a lack of stubbornness on Capital One 's and the credit bureaus. I have not contacted the Bureaus since they have not done anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act Convergent Accounts names XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Capital One Credit Card opened on XX/XX/year> with a {$1000.00} spending limit. On XX/XX/XXXX, I was notified by XXXX to verify a new Credit Card in my name. I hastily opened XXXX and sent a dispute through XXXX, but I have not yet seen it cleared from my name. 

The address and phone number the account belongs to are not places that I am familiar with nor have ever used. I have been continuing to wait for a further update regarding this dispute, but XXXX has not reported any outstanding balances to me.
Product: Payday loan, title loan, personal loan, or advance loan

I have an existing line of credit account that I've had at PNC bank since XXXX. Then around XX/XX/XXXX, I applied by phone for a {$15000.00} line increase. PNC rejected my application for reasons that did not make sense with my credit history, so I applied for an appeal. I also sent a letter to PNC on XX/XX/XXXX requesting a copy of my original telephone application and the notes that were placed on my file because I suspect that the representative or the underwriter ( or someone ) wrote inaccurate information on my telephone application and file which caused my line increase application to get rejected. About a month later ( today XX/XX/XXXX ) I called PNC again and was told that my appeal application was denied but the representative would not tell me the reason ( s ) why. The rep also refused to send me another denial letter for the appeal application and refuses to send me a copy of my original telephone application along with copies of the notes placed on my file for this line increase. PNC also won't mail the first rejection letter to my home and is now demanding that I go into the branch and receive it there. I also received a call from a PNC Case Manager yesterday XX/XX/XXXX who demanded to know " what I wanted. '' I also told the Case Manager I want a copy of my original telephone application and the notes on file for this line increase request and she also stated that she could not provide the documents to me.