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

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a couple of addresses on my credit report I am not associated with and I wanted to have them removed from the credit report. Each credit report has different ones that I am not associated with so I will list them by credit bureau Transunion XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, XXXX
Product: Bank account or service

I have been a customer of Nationwide Biweekly Administration since XXXX XXXX. At the time, they lured me in with promises of chopping seven years off of my 30-year mortgage, and all I had to do was pay half a mortgage payment to them every two weeks ( instead of a full mortgage payment once per month ). After the initial payment that included setup fees, they took {$740.00} out of my account every other Friday ( the last time being XXXX XXXX, XXXX ) and paid my regular mortgage payment when it was due on the first of the month. 
On XXXX XXXX, XXXX, I received XXXX identical e-mails from them entitled " Help Save Nationwide Biweekly Adminisstration Inc. ( NBA ) ''. In this rambling e-mail, the President/CEO of NBA, XXXX XXXX XXXX, basically said that his company was under attack by your organization, the Consumer Financial Protection Bureau ( and specifically XXXX XXXX ). I did not follow up on his request to call ( XXXX ) XXXX to speak on NBA 's behalf - I have had an increasing concern over the past couple of years that I was being foolish and wasting my money through NBA, when I suspected I could easily just do for myself what they were doing for me and save both on the fees and the headaches associated with dealing with a XXXX party ( NBA is obviously external to the agreement between me and my mortgage holder, XXXX XXXX ). 
Last week, on XXXX XXXX, XXXX, I received XXXX e-mails from NBA, all identical except for the subject line, which said " Account Suspension Notice - Open Immediately '', " Account Suspension Notice - Open Immediately - 2nd Notice '', or " Account Suspension Notice - Open Immediately - 3rd Notice '' ( i.e. there were XXXX sets of XXXX notifications, all on the same day ). In a nutshell, NBA said ... 
" ... we must inform you that we must suspend your account TEMPORARILY. This is not your fault, and we are working hard to resolve this situation as soon as possible. The most important things that you need to know are that : If we debited your account sufficiently in XXXX, NBA will make your next payment due XXXX XXXX, XXXX ; We will NOT be debiting your account in XXXX. 

YOU will need to make your next FULL LOAN PAYMENT due XXXX XXXX, XXXX directly to your lender yourself ; and If there are any funds remaining in trust after NBA makes your XXXX XXXX, XXXX payment, they will be promptly returned to you. " There have been no follow-up e-mails. My numerous attempts to call have been met with the recording that says that due to unusually high call volume, call back later. They have not responded to e-mails. 
It is now after XXXX XXXX EST on XXXX XXXX. They have not as yet paid my mortgage payment for XXXX XXXX, XXXX, as they promised they would in the " account suspension '' e-mails. I went back this past weekend and reviewed what NBA had taken out of my account over the past five years versus what they had actually paid to my mortgage holder, and there was over an {$11000.00} difference ( which will drop to about {$9700.00}, if they actually do end up paying my mortgage today ). I am not sure how much of that is what NBA considers " fees ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My brother and I are beneficiaries of a family trust set up by our father and step-mother. Our father passed away in XX/XX/XXXX. After his death, our step-mother named us as beneficiaries, however, she was lacking in XXXX XXXX. She was the sole trustee of the trust and had adequate income to sustain herself at the time of our father 's death. In early XXXX she had the front and backyard of the residence ( also named in the trust ), re-landscaped at a cost of around about $ 40k or more. She did not notify us and we believe her neighbors suggested she do this. She took out a loan on top of the current mortgage loan to pay for the landscaping, even though she has a life insurance payout. Later that year, her neighbor, who is a realtor, apparently suggested she put the house into a reverse mortgage. Neither my brother, ( who is also the Successor Trustee and DPOA of the Trust ), or myself, were notified of this transaction. We were in constant contact with our step-mother, however, she was declining cognitively and did not understand what she had done. Her neighbors were always interfering and not helping us help her. They contracted with a caregiving agency without our approval, at a cost that was completely out of line as well and had access to her bank accounts. Our step-mother has been in declining health and passed away in XX/XX/XXXX. The house was also sold in the early part of that month. We agreed to cover the entire pay-off amount to the reverse mortgage company at the time of the sale, but are disputing the entire amount because there were significant over-charges. The entire situation has been a nightmare. We believe that our step-mother was taken advantage of and that she was a victim of financial elder abuse. Our potential inheritance was severely impacted and we are now seeking restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments XXXX and XXXX that was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/2019 Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I have contacted and asked for proof of accounts and got no results. I told them If they couldnt prove me documentation I would like it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still reporting to Credit Bureaus that I owe then {$26.00}, even after paying them full 40 days ago. 
" XXXX reported 10 points loss in my credit score, because of XXXX XXXX. ''
Product: Credit reporting

TRANSUNION claims as frivolous, yet in CFPB XXXX they have a letter from XXXX dated XXXX/XXXX/2016 where they explain they are sending the account statements because of FEDERAL RESERVE INVESTIGATORY CONTACT ON XXXX/XXXX/2016. 
The evidence of creditor fraud in muliple illegal charges on XXXX ACCOUNT ... ... XXXX WAS NOT RECEIVED BY ME UNTIL AFTER XX/XX/2016.The evidence is legally substantiated by the CFPB and Federal Reserve yet TRANSUNION NOW KNOWINGLY AND WILLFULLY REFUSE TO ACKNOWLEGE THIS MATERIAL WHICH IS NOT FRIVOLOUS TO XXXX, XXXX, THE CFPB, THE FEDERAL RESERVE ... ..ONLY FRIVOLOUS TO TRANSUNION AN UNETHICAL, LAW VIOLATING COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  U S DEPT OF ED/XXXX {$1000.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$2300.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXXAccount # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$3900.00} -Account # 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 Inquiries : XXXX XXXXL Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Debt collection

I opened a Bank of America credit card over 10 years ago and it is still on my credit report as debt owed. I am being harassed by Bank of America via email and by XXXX XXXX for another account that should not be on my credit report any longer. I have disputed at least 10 different errors on my report more than 10 separate times and the issues will never get resolved. Non stop phone calls, emails, closed accounts, over aged credit cards reported, already disputed a credit card with XXXX XXXX that someone opened with their name but my SSN. I told them it wasnt me that I have never lived at the address the card was associated with. They said they resolved it, but I just noticed the address on one of my reports this month. I get notices daily that my report has info breaches, hard inquiries when I did not try to open an account, I can keep up. I disputed so much so many times and it never ends.
Product: Debt collection

On XX/XX/2023, XXXX, I reached out to Credit Corp Solutions to attempt to arrange payments. I was forwarded to three departments, while each representatives stating that the account reached their law suits division and they were getting ready to take legal action against me. I had to okay an agreement in order to not face law enforcement taking action. Each representative did not try to work with me on the plans I had arrange that would be easy for me to pay. I had to agree to a plan that is out of my budget so they wouldnt press charges against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Transunion yet they have ignored my request to delete accounts that are fraudulent on my credit file thatchy maintain.. Not only was I not aware of the accounts XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX neither have never given me notice to dispute the validity of these account before inserting it into my credit file. I am formally disputing these account once again as I am a victim of identity theft and this account is a result of thereof. Please remove these account from my credit file that you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXX Owed : {$4500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$5600.00XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXX Balance Owed XXXX {$2700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$380.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX  XXXX XXXX {$460.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$41000.00}
Product: Credit card or prepaid card

my card wasnt recieved my cards mail wallet phone was stolen while me and my employees went to  XXXX  i have airline tickets to prove none of us where in the country i never requested a line increase i never authorized or purchased anything and nor has my employees we where in  XXXX  and have proof now t here rebilling me the charges which is against the law they have violated my rights under the FCBA  the card that was used was under my employee   XXXX    XXXX  and it was aroun d 14000 in charges that arent mind
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that must be removed immediately.
Product: Debt collection

I am reporting a complaint on ( Remax of XXXX Colorado ), because every-time I give them a copy of the CDC Moratorium they give me a notice to quit, but this time I have a move out date by XX/XX/2021. I have followed all guidelines for the CDC Moratorium, I have paid {$4500.00} in back owed rent so far, and I am at {$1300.00} because they are charging me a late fee every month I miss. I am tired of them doing this to me. I am doing my best to get caught up. but I feel like it's ( XXXX the tenant ) and kick 'em when their down. This is very frustrating to me, especially when I have told them I have nowhere to go. I was also referred to this website from the CDC to report this kind of activity. So that is why I am doing this here.
Product: Credit card or prepaid card

Syncrony bank closed my amazon store credit card without any notice ( no email or phone call ). I even did not know the exact date the account was closed, it was some time after the XXXX statement XXXX XX/XX/2020 ), I tried to make purchase on XXXX and failed, then I logged into my online bank account and found out the account is closed. I make payments on time and shop only XXXX. I contacted the manager by online chat, the manager refused to reactivate my card and my XXXX rewards also disappeared. It seems that they just do not want to give people their rewards if you spend a lot on XXXX and they will just close your account when the rewards money is high. I want my XXXX rewards back. I attached the XXXX statement which shows my rewards amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, 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. This account from MED DATA SYS XXXX ( Alledged balance of 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.

I have reason to believe that this debt is invalid as I was never hospitalized in 2022, and upon calling I was unable to inquire about this due to HIPAA regulations. However as someone who allegedly owes a debt, I am entitled to an investigation and a debt validation provided to me.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
account-XXXX  account XXXX XXXX
Product: Credit reporting or other personal consumer reports

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't I recognize the inquiries listed below, nor do I have accounts associated with them. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion
Product: Credit reporting

Account is reinserted after being previously deleted. The account remarks even show previously included in Bankruptcy Chapter XXXX and the account shows a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.