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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). 

XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX Account XXXX XXXX Social Security Number : XXXX I believe the information on the consumer report is reporting inaccurately. 
Please verify this information is reporting accurately. Verify the date account was opened, balance, and my payment history.

Can you verify the date of first delinquency?

Im requesting the results of your reinvestigation in accordance with 15 U.S.Code 1681i ( a ) ( 1 ) ( A ) and a copy of my credit file. Please forward all correspondence regarding this matter to the address stated above.
Product: Debt collection

i am a victim of identity theft. i have no contract nor have ever recieved any benefits from RUSHMORE LOAN MANAGEMENT SERVICES. i have no knowledge of this company. i deny their claim that i owe them {$17000.00} nor {$330000.00}. i have never received any cash transaction nor tangible tender in that nor any amount from them nor any of their affiliates and i decline to perform on any unverified note unless i am given the said smount above in cash. no payments will be made until an original note is produced and proof of ownership of said note is produced by affidavit. 

There are also forged signatures on said note that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus XXXX and Experian who are allowing XXXX XXXX to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Student loan

When i was XXXX XXXX XXXX i was pressured and told i had to take out financial aid ( loans ) in order to cover tuition. The school i attended purposely defrauded their students. I was placed into a private loan almost 20 years ago. Now as an adult who understands loan, i have tried my best to get Navient to reduce the interest, take a settlement and asked for the loans to be forgiven since my federal loans were forgiven. Navient is a company who has been unwilling to work with me over the last 20 years. I was forced to make payments to avoid jeopardizing my credit. I was told the only way to even apply for a settlement was to default on my loans, which i refused to do. A month ago, i finally was able to refinance my loan with Navient XXXX ( XXXX ) i believe is the new name. It took over 15 years to try and get a refinance. My loan amounts continued to jump no matter how many payments i made. The original loan amount was for maybe XXXX and another for XXXX back in the early 2000 's. And today i owe over XXXX to XXXX. That is ridiculous. Not only was XXXX a predatory school, Navient is a predatory lender.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. TransUnion, XXXX, and XXXX are consumer reporting agencies and I am the consumer. The consumer reporting agencies Trans Union, XXXX, and XXXX have been reporting inaccurate information onto my consumer credit report without my written consent. It is illegal to report transaction history Per 15 U.S.C 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give my written consent for inquiries listed on my credit report so please remove all inquiries that is not an open ended credit account Per 15 U.S.C. 1681 ( b ) permissible purposes. If your investigation concludes the account is verified, please provide me with the documentation that was used to verify the open account.
Product: Debt collection

This company has reported an account on my credit report as a collections account that I need validation on. If not, I demand that they be removed from my credit reports. I need the following information to be sent for this account that they have submitted to all 3 credit bureaus. I do not have full information on them, as I am only aware of the information that is currently shown on my credit report. Account : Account # XXXX Alleged balance : {$460.00} Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX have violated my rights. 

15 U.S.C 1681 c-2. States block of any information resulting from identity theft 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to to apply for a Target account ; the account was established and Target contact XXXX XXXX and he verbal confirmed the account was openedXX/XX/XXXX fraudulently. Target was then officially notified in writing of this fraudulent activityXX/XX/XXXX via certified mail with a return receipt of the dispute information. A credit report was obtained shortly after that dispute and Target was still listed as a negative account ; at that time the CFPB was notified CFPB complaint ; D FOR COMPLAINT SENT TO TARGET CREDIT CARD XXXX  XX/XX/XXXX ; however no communication from Target to our client was ever made. As of this morning a credit report from XXXX still lists this Target account on the credit reoiort, This is now a violation of the FCRA and my clients consumer rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}.
Product: Mortgage

AS A ORDAINED MINISTER I HAVE A HOUSING ALLOWANCE OF $ XXXXYR. AMERISAVE, MY LOAN COMPANY, SAYS THAT THIS AMOUNT IS NOT INCOME BECAUSE IT IS LEGAL 501C AND IS NON TAXABLE. 

I WANT TO KNOW WHY THIS LEGAL INCOME IS DENIED AS INCOME FOR MY REFINANCING.
Product: Checking or savings account

On XXXXXXXX XXXX XXXX XXXX I filed my taxes through XXXX I elected the advance option because I really needed the money because I'm currently staying in a hotel long story short my taxes were accepted on XX/XX/XXXX and I received a advance loan of {$750.00} for signing up through credit karma money once I try to log into my account and access the funds I noticed that it told me I needed to verify my identity so I proceeded to try to identify myself and verify my eye identity through the link that it gave me I took several pictures of my ID and based on the phone that I have the picture keeps coming out blurry I've reached out of them numerous of times I've tried to send them uploads of my license and the back of my license along with a copy of my social security card and they are still not giving me access to my funds it's two days later me and my children are in desperate need of that money that was the whole purpose of the advance here it is XXXX XXXX XXXXXXXX and they are still asking me to go through there my XXXX to verify my identity but I have a government phone for snap in the picture quality in the camera quality is not that good so my pictures keep coming out blurry and they are denying me access to my account and my money and I just really need it I have reached out to virtual support several times I have called them on the phone several times I've even tried to take pictures from different phones and they keep giving me issues they keep rejecting the photos and it's very very frustrating and by Friday I have to be out of my room and by Friday I have to be out of my room me and my children with no money still this is very very frustrating and stressful aggravating I just want access to my money I have submitted and uploaded my ID along with my social security card I just want access to my money and update my phone number to XXXX. Now when I try to log in it says that it's invalid; forbidden. And they don't have nobody you can talk to on the phone or nobody that can assist you there's no email address so you can just send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Experian - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; Equifax, XXXX, and XXXX. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.
Product: Money transfer, virtual currency, or money service

Chime bank in connection with XXXX XXXX  was authorized on XX/XX/XXXX to send XXXX to a XXXX XXXX linked to my name. The account number was correct but within ACH Guidelines did not arrive within 5 business days. XXXX XXXX did all authentication they could and said the money never arrived. CHIME refused to due any research activity at all. They refused to perform an ACH trace or file a dispute. I called in excess of 15 times asking for trace and dispute and they repeatedly declared the money was at XXXX, blamed XXXX and exercised ZERO effort to contact XXXX to see if the money was even sent.
Product: Mortgage

I received my monthly mortgage invoice for XX/XX/XXXX, which included a note stating that my monthly payment will increase from {$860.00} to {$2200.00} effective XX/XX/XXXX. It also stated a loan maturity date of XXXX XXXX. I have a variable interest loan which is currently set at 2.375 % until XX/XX/XXXX, also noted on the monthly invoice. I called my mortgage provider, OCWEN, to get an amortization schedule so that I could know what portion of my monthly payment is being applied to principal and what portion towards interest. I spoke with XXXX customer service representatives and neither could tell me this information and they both said that my file does n't have an amortization schedule. They explained that I would learn of the principal/interest application when I received my XXXX bill, but that I would not get an amortization schedule. I knew that my loan payment would convert into a principal/interest payment at this time, but the monthly payment is significantly higher than a 30-year loan with an interest rate of 2.375 %. At the very least I would like an explanation, which I am not getting either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, along with the information of 209,000 others, putting us all at risk. 

I am a potential victim according to equifaxsecurity2017.com, and would like a resolution to this matter. 

I have had to place a freeze on all of my credit accounts, which has caused much inconvenience and worry.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Transunion, XXXX, and XXXX are reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA . Which is false.

I have attached a letter from the U.S. BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
Transunion, XXXX, and XXXX are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV Funding LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV Funding LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV Funding LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New XXXX It has come to my attention that LVNV Funding LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Checking or savings account

The bank froze my business checking accout due to an electronic deposit from a client that made the mistake of putitng their own name for the deposit instead of my business. 
The total was {$100000.00}. They froze my entire account which had {$18000.00} in it with the balance funds that had been available for weeks. 
Now I can not access my cleraed cash form within the account and my business can not do any work. 
They will not do anything. They do not have the right to hold my funds that have been cleared yet they will do nothing. This has affected my business and I have not been able to work due to this. 
What legal action do I have.