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

In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account number - XXXX INQURIES XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. For you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

I directly contracted the company, AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX and asked that this debt which is showing as a collection on my credit be removed. The original creditor is listed as XXXX XXXX. I have never lived in Nevada, have never had an electric/light bill in NV, and do not owe this money. I've also contact the credit bureaus to dispute this, but they stated that the collection agency reported it as valid and put it back on. At this point, I don't know what to do. I've never owed this money, and I don't want to pay it, but it's negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( Experian, XXXX, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/2023, that these two bureaus are repeatedly, reporting incorrect information on my credit report. They have late payments and incorrect balances that have already been removed/updated. 

Account XXXX XXXX should be removed. 
Balance {$2600.00} Accounts below should be updated immediately XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$610.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$520.00} Late Payments XXXX Age of account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$80.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$1200.00} Late Payments XXXX Age of Account XXXX XXXX
Product: Debt collection

The organization Army Air Force Exchange Services ( AAFES ) claims I owe them {$250.00}. I have never had any previous credit or debt with AAFES. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency XXXX XXXX. As of XX/XX/XXXX a letter states that I owed {$250.00}.
Product: Debt collection

After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 

XXXX XXXX XX/XX/XXXX {$7600.00} XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX XX/XX/XXXX {$2500.00} AMERASSIST XX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$10000.00}
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX  acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX has violated my rights. 

XXXX5 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 or other personal consumer reports

XXXX XXXXXXXX XXXX called me at work requesting payment for an account. After being told that account was fraudulent XXXX XXXX XXXX  harassed me at my place of work for weeks calling over and over again for a payment they are aware is not mine. XXXX XXXXXXXX XXXX has harassed on work hours for many weeks now. Among many other violations harassment on work hours and reporting a false debt are among many of the FCRA violations XXXX XXXXXXXX XXXX has occurred
Product: Debt collection

Integras Capital Recovery LLC filed suit against me for a debt on XXXXXX/XX/year>. Said company has not sent verification of said debt. Said company had lawsuit served to house sitter that was watching house while I was out of town for work. Said company has never reached out to me to attempt to verify or dispute the debt. Said company is not showing as holder of any debt on any of the credit reporting companies.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning and I have no idea how they got there. I routinely check my credit report, and this time, I discovered errors that came out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but the errors stayed. Despite my efforts, the inaccurate accounts remained. I'm asking for a thorough review of the documents I've sent so I can have peace of mind moving forward.
Product: Mortgage

In XX/XX/XXXX I appealed to customer service via fax and email XXXX a copy attached ) within 30 days of the modification Hamp Tier 1 offer that the mortgage company Nationstar mis-calculated the income on my paystubs after I submitted to them reduced income paystubs due to medical reasons and medical documentation substantiating that. They did not respond to the appeal of the Hamp 1 but delayed and lost documents from XX/XX/XXXX until the time they corresponded with me. They then de-railed the loan over to the standard Modification program and did not address or respond to my Hamp XXXX appeal at all from XX/XX/XXXX until present XX/XX/XXXX. In addition, I have a surplus of XXXX in my escrow that customer service can use as a downpayment to assist with my modification but the escrow department will not assist me in returning those funds to me or applying it as a downpayment to any modification.. I am requesting they change my modification offer to a Hamp 1 that I originally appealed and waive thee XXXX, XXXX dollars in interest they have allowed to accrue by mishandling my loan and documents. They are impossible to reach my dedicated loan specialist and every time I call I get a different excuse, answer, or reason why they failed to respond. I do not want to lose my home. The value is XXXX and it is unreasonable to offer me a standard modification at XXXX dollars a month in two years with all the interest they allowed to accrue by negating the response to my Hamp 1 appeal. They have misdated documents, lost my financial information and have acted irresponsibly with this program. My loan number is XXXX and I am requesting that my surplus in escrow be returned to me of XXXX immediately to assist in this process. Nationstar also has a call center in the XXXX or some other country so they can avoid acting responsibly to consumers in the United States. Most of them do not comprehend English or financial terms and they have made it impossible to modify this loan on reasonable terms. I am requesting a Hamp 1 modification on a XXXX yr loan amoratized with the investors based on the income paystubs I provided and hardship. Not a 15 year XXXX yr interest only loan that I was not aware of at 10.5 percent interest. They have failed to act upon this request. Please assist me with getting my Hamp 1 as originallhy requested and it is documented they received that appeal and ignored it.
Product: Debt collection

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX, XXXX, and XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Product: Debt collection

I received a letter dated XX/XX/2023 from the National Credit Systems , Inc . The letter is requesting that I resolve an out standing debt of {$820.00} for the client : XXXX XXXX XXXX XXXX XXXX XXXX. I have never been associated with this client nor do I have any outstanding debts in the amount of {$820.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Experian and XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing a collection agency to report an account on my credit file that another collection agency claims to have. How is this accurate, acceptable and fair? 
I have given them the other collection agencies information as evidence and they refuse to remove the information from my credit report. It is fraudulent for two collection agencies to both have the same account. Am I to pay them both? If they claim it has been verified what are they verifying which collection agency is right and which one is wrong? Furthermore, I was never made aware of the initial bill how much more the two collection accounts.
Product: Debt collection

A debt for XXXX in the amount of XXXX dollars showed up on my account about a year ago. I have gotten this debt removed XXXX already and now it has popped back up a XXXX time, because the account keeps getting sold to another collector. I have supporting documentation that the previous collector agreed to remove the account from all XXXX credit bureaus.
Product: Money transfer, virtual currency, or money service

i tried to send a domestic transfer. i am out of the states. the bank flagged the transaction and asked me a verification number as to where my social security was issued. the information stored in their system is wrong and accordingly I always got a wrong answer, and thus they would not able to process my request
Product: Debt collection

This company has reported the alleged collection to all 3 credit reporting agencies without notifying me of the alleged debt. No phone calls, letters etc. I have sent a debt validation letter with zero response yet they are still reporting to the credit reporting agencies.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX DELAWARE XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX 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: Credit card or prepaid card

My Barclays VISA card was supposed to be replaced by a XXXX. I never received a XXXX, but I found XXXX charges on XX/XX/2021. One was {$1100.00} and the other was {$140.00}. When I was able to figure it out I called several times to report it to their fraud department. It is very very hard to reach their fraud dept. It took me more than an hour to reach them. Finally, I did report. But after a few weeks, they closed my case without letting me know the outcome. I tried to reopen my case, but they needed a written request to do so. I have made a written request to reopen my case. I asked them whether they have reported to the credit bureaus, they couldn't say anything. But in the meantime, my credit score has dropped down vigorously! When this occurrence happened, almost all my credit cards were paid off. As per their statement for XXXX, my Barclays card had a zero balance. So I was worry-free! But, as of XXXX, I find the balance of {$1300.00} I do not have any idea about these charges. 
After making the complaint, they canceled my card and issued a new one. This is a XXXX. But I never activated, because I am scared of further fraud. Please ask them to carefully investigate, waive the fraud charges and make a reverse report to all major credit bureaus. Thank you in anticipation.
Product: Mortgage

Carrington Morgage Services bought our loan in XXXX for {$200000.00} while we where in forbearance. We laid out our plans to exit forbearance on XX/XX/XXXX & move the missed payments to the back of the loan in XXXX. In XXXX we Contacted Carrington about coming out of forbearance. Carrington tried to push us into paying the missed forbearance payments up front or over a 3 month time frame. Plus they told us the amount due on the loan was {$200.00} XXXX. When we bought the home for {$200.00} XXXX & made 5 or 6 months of payments, with a 2.86 % interest rate before entering forbearance. Based on that we filed a complaint. Now Carrington is refusing to take a monthly mortgage payment until the missed forbearance payments are made and they raised out monthly Morgage payment. They did this because we have not paid them the missed forbearance payments or signed the paperwork agreeing to terms they are trying to impose. I have audio recordings of Carrington refusing payment and trying to blackmail us. I am willing to forward all audio recording in this matter. We don't want to lose our home so Carrington can exploit us for profit and this is a V.A. home loan.
Product: Debt collection

Midland Funding Llc Opened XX/XX/2018 - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Midland Funding Llc Opened XX/XX/2018 - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

West Realm Shires Services, XXXX  FTX.US, and/or XXXX XXXX  XXXX XXXX cash funds that belong to me, without communicating in any way when they will return my funds. 

I initiated a withdrawal for XXXX {$25000.00} on XX/XX/XXXX when I heard the FTX XXXX was having issues. Out of an abundance of caution, I initiated this withdrawal through XXXX cash to my bank account, even though the company was saying at the time there were no issues with FTX.US and all withdrawals were functioning as normal. I never received my money so it is still in the custody of FTX.US. This is a significant amount of my life savings and money that I need in the short term to pay for housing, food, expenses, car, etc.

In the FTX.US terms of service, it says very clearly that all cash and funds held in my name/account on the platform was NOT the property of FTX.US and belonged to each user/customer. There is a CLEAR breach of service, and I have not received my withdrawal almost 2 months later. Furthermore, the FTX.US app showed the funds as " SENT '' but clearly they were never processed because I never received them. 

These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. I withdrew from my cash account balance via the FTX.US desktop website, via XXXX separate ACH transaction for XXXX {$25000.00} to be sent to my bank account at XXXX XXXX XXXX following the FTX.US guidelines, instructions and terms of service on XX/XX/XXXX, 3 days prior to FTX.US declaring bankruptcy on XX/XX/XXXX. 

At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts. Per my account on both the FTX.US website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. I have yet to receive my funds. 

The FTX.US terms of service clearly state that my XXXX Dollar account balances would be held for my benefit at XXXX XXXX  ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at XXXX XXXX  the extent you hold XXXX  XXXX balances ( and such balances are not held in XXXX or other investments ), those XXXX balances are held in customer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXfor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.