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

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Checking or savings account

ACH Debit XX/XX/19 an attempt was made to withdraw {$7900.00}. My account did not have overdraft protection but my bank withdrew {$4800.00} and left me with a negative balance of - {$3000.00}. I was sent a email notification that my account was {$0.00} and checked online to see the amounts stated above. I called my banks online banking and had a ref # assigned to the incident. And a stop pay issued. My bank listed in the transaction as processing. I told my bank do not pay the money, their response was they could not guarantee it because it was a computerized process. I then went to my banks local office and saw a personal banker. They stated they could not do anything more then had been done. I had not preauthorized or authorized the ACH Transfer Debit. My bank stated anyone can initiate an ACH Debit if they have my name address, routing and account number, and falsified to their bank the appropriate online documents. I called the bank making the ACH Debit and they stated it can only be done by one of their account holders if the account holder was paying off a loan, credit of debit card debt. On XX/XX/19 my online account information and balance was back to normal like nothing happened. I write checks to pay my bills and make other purchases. The banks are acting like it's my fault and their fraud divisions are acting properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2019 ) I discovered ( XXXX ) had been re-inserted into my credit file from TRANSUNION after being DELETED. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.
Product: Student loan

The XXXX XXXX decided that MOHELA is the same thing as the state of XXXX which means that the extremist right-wing Attorney General of XXXX  can XXXX lawsuits to stop any and all student debt cancellation in order to protect MOHELAs ability to profit off of the student debt crisis. 

After the XXXX XXXX  decided that MOHELA is the same thing as the state of XXXX MOHELA is claiming they have immunity to violate the law. They can literally rob your bank account and there is nothing you or anyone else can do to stop them, because MOHELA is above the law ( according to them ).
Product: Credit reporting or other personal consumer reports

This is a serious issue and this complaint is not a mistake. The inaccuracies in my credit report has caused me tremendous frustration and inconvenience as it has impacted my ability to secure credit approvals.
Product: Checking or savings account

I believe I was victim to a money laundering scam on XX/XX/2020. I shared personal information over the phone with a man pretending to be a loan officer for XXXX XXXX. The man said he was going to deposit money to my account, but that I would have to send some of it back using XXXX XXXX. I realized this was likely a scam and immediately called Bank of America and notified them of the situation. They froze my checking account and I was advised to open a new one. On XX/XX/2020, I opened a new checking account with Bank of America. This morning, I checked my mobile banking app, and neither account was there. I called the bank and they said they closed my accounts for business reasons and that they could not reveal any other information. I reported the incident to the FTC on identitytheft.gov on XX/XX/2020 and I reported the incident on the XXXX website on XX/XX/2020.
Product: Debt collection

On XX/XX/2023 I received a phone call from FBCS , Inc who stated XXXX XXXX sold my debt on behalf of Avant. In this recorded call the woman told me I can pay in 12 month increments to satisfy the debt. I told her I didnt know XXXX XXXX XXXX my debt since Ive received no correspondence and asked her to send me a written statement to my home address. She began yelling over the phone asking me when I was going to pay the money like I owed it to her. I again told her to send me a letter to my home verifying the debt and the offer to pay over time. She still yelled and asked when I was going to pay. I have blocked them and they better not reach out again. She was disrespectful and disgusting. Id like them to send mailed correspondence from now on with that attitude.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.
Product: Checking or savings account

On XX/XX/2021, someone opened up a checking and savings account at my bank, in my name. They had my social security number, birth date, and name. Both accounts were then tied to my existing accounts, which would have allowed the thief to transfer funds, drain my accounts, then close their accounts, and steal my money. 
Thankfully, I was alerted to the issue on XX/XX/2021, by my credit and personal monitoring protection company, and I called the bank to discuss the issue. A complaint was started, then it went to an Online ID Theft team. The 2 fraudulent accounts were frozen. I am awaiting their investigation conclusion. They did tell me that this happens all the time, and there is really no way to stop it, when anyone can open an account online, without proof of ID. Also, they did not require the thief 's have any money in the accounts at the time of opening them. I the meantime, I am forwarding this information to you. 

All banking institutions should not allow accounts to be opened without having to show ID. And why don't you need a minimum amount to open an account. I had to have a minimum amount to open my accounts in person. This kind of theft is happening all the time, and can not be stopped when banking institutions allow for this kind of behavior. 

I have been the target of numerous pay day loan schemes also, so my information must be circulating on the dark web. I am not sure what to do, and how to stop all this. I have been told to file a police report once I get the investigation letter, then freeze my credit for 7 years.
Product: Debt collection

Credit Management , LP of XXXX, TX is attempting to collect on a debt that is known to be invalid. The alleged debt originated with XXXX, who has continuously assigned or sold the debt to third party collection agencies since 2012. Every 6-12 months, I receive a notice from a new debt collector attempting to collect the debt. 

Each time, I request verification of the debt and, because it is not a valid debt, each time it is returned to XXXX. I submitted a complaint regarding this debt to the CFPB recently when the agency " XXXX  XXXX '' was attempting to collect. When I informed XXXX XXXX that the debt was invalid, I instructed them to inform XXXX of the same, which apparently they did not do or XXXX ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian on XXXX XXXX, and it was received by Experian on XXXX XXXX. About 4 different inaccurate invalidated collections that was placed on my report, that I have not gotten a response for. Three of the collection have previously been removed. As of today, XXXX XXXX, Experian is still currently reporting a inaccurate invalidated collection on my report. According to 15 U.S.Code 1692g ( b ) - if you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If Not This Is A Violation! Experian has violated a numerous amount of federal U.S. Codes, such ass 15 U.S.Code 1681b ( e ) ( 6 ) Maximum Complete Accuracy, 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) Failure to Comply, 15 U.S.Code 1681i ( 5 ) inaccurate and unverified, As well as 15 U.S.Code 1692c ( c ) ( 3 ) just to name a few. Let the rerecords reflect, that I mailed Experian my correspondence & they emailed a computer generated information letter. Basically stating they have 30 days to investigate or respond. Which They Have Not Done, So Promptly delete that item from my file.
Product: Credit reporting or other personal consumer reports

XXXX & XX/XX/year> unauthorized inquiries were add to my credit report that I did not authorize. I ask for deletion but no response nor help from credit agencies
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a football game in XXXX, that included my driver 's license and social security card. I made a police report right after and was advised to place a fraud alert on my credit. I recently obtained a copy of my credit profile and noticed an account and credit inquiries that I have no affiliation with or knowledge of. I reached out to the Credit Reporting Agencies requesting verification and that these inaccuracies be removed from my credit profile. Furnishing this account and information to my profile is in violation of XXXX XXXX XXXX, not only have I not given any permission or written consent, but fraudulent accounts are being reported on my profile due to identity theft. The impact this account is having on my credit profile is preventing me from accessing new line of credit. The creditor that I have no knowledge of that's reporting to my profile is, XXXX XXXX. I also noticed a series of inquiries from XXXX XXXX  that I never authorized.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there is still account that needs s to be addressed again and corrected immediately. The XXXX credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report thisaccount as unconfirmed information without validating them within the legally required time range. Please update or amend the inaccurate account in my report : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I as a consumer am writing to file a formal complaint against TransUnion, XXXX, and XXXX concerning inaccurate information and privacy violations on my credit reports. 

All three credit reporting agencies, TransUnion, XXXX, and XXXX, have reported inaccurate debt collection information ( XXXX XXXX XXXX ) on my credit reports, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The account clearly reports inaccurate open dates, last reported dates, and last active dates between ( Transunion, XXXX, XXXX ). 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Lastly, XXXX XXXX XXXX is a collection agency. The account reported is an inaccurate collection/chargeoff account, which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, and income does not get reported to a consumer report. 


I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate debt collection information. 

I demand XXXX XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home mortgage loan was bought out by another company ( Freedom Mortgage ). I would usually pay the loan a month or two in advance with my former company and the process worked fine. When the new company FREEDOM Mortgage took over my loan and I continued the same process of paying the loan in advance, instead of applying my payment to my regular loan, they applied it to my principal and later reported that I had not made my payment on time. I had payed on time but they did not apply my payment correctly. According to my credit report that I am sure they reported erroneously, I did not make a payment in XX/XX/XXXXwhich has hurt my credit score. They have reported the same exact thing in XX/XX/XXXXwhich is another error. I did make that payment! They need to fix these errors that they are making because of their faulty book keeping and reporting practices. I need to have the late payment report from both XX/XX/XXXXand the no payment of XX/XX/XXXXreported truthfully. It was not until this week that I finally cleared this up with the loan company Freedom Mortgage. Initially the person I had talked to on the phone told me that if I sent the payment to a specific address, that it would be handled by a real person and not an automated system. on a subsequent phone call I was told that all of the payments were done in an automated system It was only after speaking to a supervisor at the company ( because the regular person on the phone couldn't help me ) that he finally said that he is going to place a notice on my account so that payments made up to three months in advance are credited as a payment for my loan rather than an extra principal payment. He said that a small percentage of clients do pay early ( as I do ) and have this notice placed on their account. It has taken Freedom Mortgage all of this time to finally do something about this. I hope they do the right thing and change my report and remove the late payment entry. They said on the phone message when you call them that they " record phone calls for training purposes '' so the entire conversation is on record with them if you would like to investigate it. I am so disgusted with the service from this company. It has only brought me stress and made me waste time on the phone with them. I will report in the future if they did the right thing or not. If nothing is written as a follow up to this it means they have not corrected the situation and screwed up my perfect credit because of their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are damaging my credit with false information. Even though I have detailed the situation to them two times, they have chosen to ignore me.

In 2015 I had a limousine service. One of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these three companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!
Product: Credit reporting or other personal consumer reports

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

XXXX bank XXXX XXXX XXXX Contact not provided XXXX bank XXXX XXXX. XXXX XXXX XXXX card XXXX XXXX XXXX card XXXX. XXXX XXXX XXXX XXXXC XXXX XXXX XXXXs XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I had a XXXX XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and Portfolio Recovery picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from XXXX with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already requested my XXXX XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX  XXXX XXXX  - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX
Product: Checking or savings account

Someone or some entity has opened an account under fraud and I am a victim of identity theft using the name XXXX XXXX which is a public transmitting utility name as per the territorial/ municipal government incorporated.They have committed copyright infringement along with trademark fraud on my signature/name. Enclosed is my fee schedule and