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

I have two fraudulent accounts on my transunion report. One for XXXX XXXX and another for XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX I have sent in police reports and nothing has happened, if they do not fix it I will sue the credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX Account number XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still see XXXX XXXX on my report after I said I had no knowledge of this and I didnt do it. My score a month ago was XXXX now its XXXX and I didnt see any new items causing it Ive requested proof of what made me loose a XXXX points and I still have not received anything this is a big deal also I had my credit frozen so for it saying a new card account opened four months ago how so its frozen and I received no notification alerting me and I still dont see the new account that supposedly was recently opened
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX and co Account XXXX XXXX {$10000.00} XXXX XXXX and co XXXX Account number XXXX {$2100.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported to the consumers reporting agencies for an unpaid account three years ago and that account is now paid in the full amount. 
XXXX XXXX credit company, Experian, and XXXX  credit reporting agencies are refused to remove/delete the fully paid & closed account from my credit report history. 
Paid Date : XX/XX/2021 Amount Paid : {$69.00} Payment Confirmation Number : XXXX Paid Date : XX/XX/2021 Amount Paid : {$99.00} Payment Confirmation Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Capital XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Section 2 : I have the right to privacy. 

15 U.S.C 1681 section 602 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Financial Asset Management Systems called me on XXXX XXXX, 2015, after I had already sent a written cease communication to them under complaint number XXXX. FAMS agreed in writing under complaint number XXXX on XXXX XXXX, 2015 to not contact me anymore. I called FAMS on XXXX XXXX, 2015 and recorded the phone call to get a statement balance and payments made on the account. During the phone call on XXXX XXXX, 2015, which I recorded I again expressed to FAMS that they were not to call me because it 's my work phone however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS had previously agreed in writing on XXXX XXXX, 2015, not to call me again or contact me again however they proceeded to call me on XXXX XXXX, 2015. It is debt collector harassment to continue to call even after receiving a written cease communications letter. FAMS should not be attempting to call me nor write to me because they agreed in writing on XXXX XXXX, 2015 in a separate CFPB complaint ( XXXX ) not to contact me again however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. I am suffering from severe emotional distress as a result of Financial Asset Management Systems debt collection harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on all three of my credit reports from XXXX, XXXX XXXX, and XXXX that all show my accounts are managed by a XXXX XXXX XXXX and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.
Product: Debt collection

Examined my credit profile and noticed this account not sure as to the nature of this but this account named as ENHANCED RECOVERY CO is not mine. 
Amounts totaling : Alleged Debt # {$740.00} ACCT # XXXX
Product: Credit card

I was a victim of fraud on my credit card. I found out after going though my account history on merchant apps and found a discrepancy between my my account and the service order history. These charges were unauthorized and are fraud, I put in a dispute with capital one 's Fraud department. I had received a letter for a investigation being opened on XX/XX/XXXX then received a letter 2 hours later saying I lost the investigation and the claim is close. MIND YOU I NEVER MADE THESE TRANSACTIONS, and credit cards are by the Fair Credit Reporting ACT have 0 liability [ 15 U.S.C. 1681i ]. I don't know what kinda investigation can happen in 2 hours but clearly not a reliable one. Today I spoke to a customer rep about the issue and the rep informed me that, they will not be reopening the case. And, when I asked for the evidence to support that the transaction would be done by me they ignored me. These are to violations to my rights, as reinvestigation is required by law, and I also am entitled to the evidence that allowed the determination of my claim. Case # : XXXX
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and I applied for and obtained HSBC checking and savings accounts a long time ago ( I forgot the exact time ). My HSBC checking account number is XXXX. At the time of my account approval, I was given a Select Credit account without my awareness. 

A couple years ago, I had an overdraft from my checking account for a few thousands of dollars. While my savings account had more than $ 20k, HSBC charged the so-called 'Select Credit ' account for the sake of charging me more interest. I fount out the Select Credit account carried an interest rate of more than 5 %. HSBC could have drafted from my savings account, where I did't have to pay any interest. Because HSBC 's desire to make more interest income, I was charged interest without my knowledge through Select Credit account which I did not even apply for. 

Throughout the past year, I contacted HSBC several times and explained the situation. They did credit me back the interest and fees each time and agreed to cancel my Select Credit account. However, in a few days each time I called HSBC, they restarted charging me fees again and never canceled the Select Credit account. Now, it is {$16.00}. While it is a small number and I can easily pay for it, this charge was unfair. What made the situation worse, HSBC put this {$16.00} into collection and was reported to the credit bureaus. My FICO score now drops from over 800 to XXXX and it affected my mortgage refinance. 

I contacted HSBC 's customer service today. They asked me to contact their collection team. I told them it is very time consuming to call another number and asked them why the customer service can't resolve this issue. I gave them a choice - either the customer service resolve the issue now or I will contact CFPB. Then I got the most ridiculous answer from HSBC - go ahead to contact CFPB. 

I reached out CFPB to help me resolve this situation. I want HSBC to credit me back the fees ( {$16.00} XXXX and to contact credit bureaus to correct my credit scores. If possible, I want HSBC to pay punitive damages to cover my time and effort to correct this situation so many times.
Product: Credit reporting or other personal consumer reports

Account has been paid in full to XXXX. 

XXXX XXXX XXXX Original creditor : XXXX Balance {$370.00} Balance updated XX/XX/XXXX Original balance {$370.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$370.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Name XXXX XXXX XXXX Address XXXX, MA XXXX Phone number ( XXXX ) XXXX
Product: Consumer Loan

For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today, I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a " couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months, yes ... but I felt there was help again as I was advised I would qualify for deferment in a " couple '' months. Please feel free to listen to the recordings where XXXX representatives the past few months and this month have advised me that I would qualify in a " couple '' months. Only when I threaten a complaint do I get an honest answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a CFPB complaint to report an alarming incident of identity theft. Upon receiving my credit report, I was astounded to discover multiple accounts that I did not initiate or have any knowledge of. It is imperative that you take immediate action to remove these fraudulent accounts as per the FCRA Section 605b which mandates Credit Reporting Agencies to delete any information listed on an ID Theft Report. I have attached relevant documents to support the blocking of the erroneous information being posted on my report. Kindly provide prompt assistance in resolving this issue. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Rest assured that I did not initiate or authorize anyone to open these accounts on my behalf. It is essential to note that FCRA Section 605B ( a ) clearly states that Credit Reporting Agencies must block any information in a consumer 's file identified as resulting from identity theft not later than four business days after receipt. I expect you to take immediate action to adhere to the FCRA regulations and promptly block the identified fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, are not complete and 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 XXXXXXXX XXXX Number : XXXX Account Date : XXXX XXXX Account Amount : {$13000.00} Account name : XXXX XXXX Account Number : XXXX Account Date : XXXX XX/XX/year> Account Amount : {$530.00} Account name : XXXX  XXXX Account Number : XXXX Account Date : XX/XX/year> Account Amount : {$600.00} Account name : XXXX  XXXX Account Number : XXXX Account Date : XX/XX/year> Account Amount : {$470.00} Account name : XXXX  XXXX Account Number : XXXX Account Date : XX/XX/year> Account Amount : {$630.00} Account name : XXXX Account Number : XXXX Account Date : XXXX XXXX Account Amount : {$2300.00} Account name : XXXX  XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX Account Amount : {$430.00} Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Date : XXXX XXXX Account Amount : {$60.00} has violated my rights and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

It has been drawn out that XXXX and TransUnion Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX  XXXX Balance : {$700.00} ; XXXX XXXX Balance : {$440.00}.
Product: Student loan

I have been the PSLF program for my federal student loans for over 10 years. I am an attorney working in eviction defense for Legal Services NYC. I have certified my employment each year. I have 115 out of 120 qualifying payments. I have followed all the rules, made on time payments, certified my employment, submitted my income-based repayment applications yearly, and been a dedicated public servant for over a decade. I entered into the SAVE IBR plan in XXXX. Due to the litigation around SAVE brought by attorneys general in states I have never lived or worked in, I was placed into involuntary forbearance in XX/XX/XXXX, and that forbearance does not count towards PSLF. I do not have the option to make payments during this time, and I am not able to switch to a different IBR plan, so I am trapped. I've never missed a payment before and would never have entered into forbearance voluntarily. The only viable option I have is the buyback program. I submitted a buyback request on XX/XX/XXXX and requested to pay the months of XXXX - XX/XX/XXXX in order to reach 120 qualifying payments for PSLF. I have not received any update on my buyback request, and representatives from FSA can only tell me that the request is processing. I am extremely distressed that my request won't go through while the president is threatening to abolish the DOE. All I want to do is pay what I owe under this program and apply for the forgiveness I've been working towards for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting accounts on my consumer report with incomplete account information : XXXX XXXX This account type reads auto loan I never received a cash loan or any cash for this account. Delete this account due to inaccurate account type XXXX XXXX XXXX XXXX XXXXXXXX This account type reads auto loan I never received a cash loan or any cash for this account. Delete this account due to inaccurate account type. Please be aware that reporting information you have reason to believe is false is a direct violation of the FCRA and punishable by fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America fraud Credit card compliant- In the past 2 years Ive had 3 attempts to open a Bank of America XXXX XXXX XXXX XXXX Visa Signature card under my name. Each time I report it to one of the credit bureaus. I was told if I do one, its reported to all 3. I noticed my credit score went down XXXX points because of this most current repeated attempt to open a card under my name. The only reason I know of the application is because B of A sent me a mailing regarding my account. Ive NEVER had an account with B of A. Again this is the third time with B of A. They need to tighten their practices as its impacting my credit score. Where did the breakdown happenAGAIN?
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the follow inquires that I did not authorize XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Transunion XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX SER Inquiry date : XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

When debt is sold to a third party debt collector it becomes a charge off, and now is considered certificate of indebtedness and it is now INCOME and INCOME can NOT be reported to my credit report. 

XXXX XXXXXXXX ( credit card ) is a charge off or certificate of indebtedness which is income. 

First progress ( credit card ) is a charge off or certificate of indebtedness which is income. 

XXXX is a charge off/closed account is a charge off or certificate of indebtedness which is income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account on XXXX XXXX, the company told me before I purchased the product that they will report my payments to the credit bureau as long as I make my payments on time. It has been 9 months later and have not reported anything. So, XXXX XXXX I stopped making payments now the company calls, emails me, sending multiple text messages to my phone number on file stating that MY XXXX  PURCHASE HAS BEEN REPORTED DELINQUENT AND MUST BE RESOLVED. AFFIRM is the loan company I've Called on XX/XX/2022 Spoke with XXXX, CASE ID XXXX XXXX, Called again on XX/XX/2022 Spoke with XXXX CASE ID # XXXX, Last time I called was on XX/XX/2022 Spoke with XXXX. They all have told me they will resolve it but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took a card out interest free for 2 years wellsfargo is the bank they charged XXXX percent interest. This was XXXX XXXX XXXX that had the interest free XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX  XXXX  add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.