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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit 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 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 general, 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.
Product: Credit reporting or other personal consumer reports

I have called XXXX and GM Financial to dispute the late payments on file as they are inaccurate. I have mailed out letters trying to dispute this inaccurate information as it is holding me back when it comes to purchasing major items. XXXX keeps telling me that the information provided by GM Financial is correct and has not shown me proof. I have submitted proof of payment and still to no avail they have not removed it from my credit profile. I am trying to purchase property and this is really hindering me from doing so I am asking CFPB to look into this and I will also be providing you proof of payment.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I discovered that Ive been a victim of identity theft and found numerous inquiries. I have no knowledge of this inquiries that is listed below XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> I please asked that this be removed from credit report
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, police report case number XXXX, a victim of the security and data breach by a major credit bureau, and also received a letter and was awarded money because of an action the CFPB took against XXXX XXXX XXXX XXXX 

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 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 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 and 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

On XX/XX/2023 I submitted a dispute for XXXX XXXX Account # XXXX. I requested that Transunion remove this account from my credit report as it is over XXXX old.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw that my personal information on my credit report was not right my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete these addresses immediately as am a victim of identity theft.
Product: Student loan

I refinanced a student loan that was serviced by Firstmark Services ( " Firstmark ''  ) with a new refinance loan ( the " Refinance Loan '' ) serviced by XXXX XXXX XXXX ( " XXXX '' ). The Refinance Loan was disbursed on XX/XX/2019 in the amount of {$84000.00}. On that date, the balance of my existing student loan was {$78000.00}, which led to an overpayment when the Refinance Loan was disbursed. I've been informed by Firstmark that a check ( # XXXX ) in the amount of {$5100.00} was sent to XXXX on XX/XX/2019. As of XX/XX/2019, XXXX claims they have not received it and can not tell me how long it would take to process said check if and when they receive it. Since XX/XX/2019 I have made multiple calls to both loan servicers and am not receiving proper guidance or assistance by either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX, I Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX 10. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
14. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX to XXXX of XXXX, I filed a dispute with this credit bureau about the inaccurate reportings of the collection accounts : :XXXX XXXX XXXX Account number XXXX -- XXXX XXXX.Account number XXXX and Account number XXXX. I have attached my disputes with this complaint.Credit Reporting Act any inaccurate and unverified item must be removed from my credit report. I have sent a dispute with evidence for the removal of these three account and this credit bureau has not complied with the laws of the Fair Credit Reporting Act. So now I'm asking cfpb to step in and help me with this issue of the removal of these inaccurate items that are being reported. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see and hard inquiry on my credit report that I don't know anything about from XXXX 's XXXX XXXXXXXX phone number is XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas it happened on XXXX XXXX XXXX XXXX
Product: Debt collection

I have been reviewing my credit reports constantly because I am trying to purchase my first home and noticed you have me in collections dating back form XX/XX/XXXX. I have sent several letters to Monterey Financial and received no response in any form! This account is listed twice on XXXX  and XXXX Reports only and has been since that date! Thats violating the Fair Credit Reporting Act and I was also just told by the Federal Trade Commission that it is illegal to post multiple dings for the same thing on your credit report. Also, the balance that is being reported is incorrect! You are reporting that the balance has tripled in fees /interest and this is a violation of the Fair Debit Collection Practices Act! You are making false statements regarding the total amount of the debit! 
I spoke with some rude lady on XX/XX/XXXX and she refused to discuss my account with me when I mentioned I had spoken to an attorney about this matter. When I mentioned it be reporting twice on each one of my credit reports and that it has been damaging my credit for a long time, she said she would make sure it was listed as a charge off and remove the tradelines from my credit report. I am giving you this opportunity to rectify this awful situation and remove this from my credit reports and provide me detailed copies of the information. If not, I will move forward with legal action. I know my rights and you have caused me mental stress over you maliciously
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. My name is XXXX XXXX and I have a twin named XXXX XXXX. Over the past 7 years since we have started working we have had a problem with our credit scores. The credit reporting agencies continues to label us as ONE person when its obvious that we are TWO people. We have disputed many of the wrongful accounts through XXXX XXXX XXXX, and XXXX. Once it has been submitted the dispute will be taken care of initially. After about a couple of months the same encounter that was disputed comes back again. We are trying our best to get this issue corrected but seems as though we continue to get thrown back into the loop whole of a problem. Please help us to find any solution to correct this problem seeing as though credit scores are your lively hood. As well as play a huge role in your advancement through life. 

Department of Education Loan/ OSLA : {$15000.00} Opened XX/XX/XXXX Department of Education Loan/OSLA : {$12000.00} Opened XX/XX/XXXX XXXX XXXX Loan XXXX {$20000.00} Opened XX/XX/XXXX Contacted XXXX XXXX and spoke to a representative and was told that the loan had the wrong social security number but the correct school and student name. Was advised to upload my social security number to them to prove that the loan is indeed not correct person. 

Contacted FASFA to ensure what the correct loans for XXXX XXXX. According to FASFA the only loans attached to XXXX XXXX is from XXXX XXXX XXXX  which is correct. The only schools that XXXX XXXX has attended were XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and now currently the XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX attended the XXXX XXXX and obtained a XXXX XXXX XXXX. She currently attends XXXX XXXX. 

All of the mix up has caused a huge issue within the household financially, and emotionally. I XXXX XXXX has tried to apply to many lines of credit and have got denied due to the debt to income ration being entirely too high.
Product: Debt collection

I 've complained about theses people before. Today at XXXX They left the following message : Hello. This message is intended for??? We 're calling regarding your recent transaction that occurred which involved your bank account. We wanted to make sure you 're aware of this transaction and get your statement before this matter reaches a conclusion and any decision is made. You may contact us at XXXX XXXX XXXX XXXX and reference file number????. We look forward to hearing from you soon.
Product: Mortgage

On XXXX XXXX, XXXX Bank of America represented to me through the single point of contact that mortgage assistance and mortgage modification has been denied on appeal. On XXXX XXXX, XXXX the Appeals Department granted mortgage modification assistance through a mortgage modification program. On XXXX XXXX, XXXX the single point of contact represented to me - again, mortgage assistance and mortgage modification has been denied on appeal. The single the single point of contact continued to make this representation to me multiple times since then and to date. Additionally, I have never been provided any written determination on appeal by an Appeals Specialist of the Appals Department. Just to be clear, the single point of contact does not make determinations on appeal. 

Bank of America has intentionally, negligently, and fraudulently made material misrepresentations related to a mortgage or Deed of Trust as well as lie by omission ( withholding ) of material facts as to the true status of a mortgage or Deed of Trust and the loss mitigation process. 

An assessor 's parcel number, or APN, is a number assigned to parcels of real property by the tax assessor of a particular jurisdiction for purposes of identification, record-keeping, and ownership. To date, Bank of America has not associated and recorded any real estate document with my private property and home. 

After a new review of Bank of America issued documents, it appears that upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I received a text and then a call from what appeared to be my bank. The caller id said PNC Bank. I was told there was a request to send money via XXXX  that looked supicious. They asked me if I had authorized a transfer of money and I hadn't. They then walked me through a process to prevent the money from leaving my account. This process actually sent them {$1000.00}. As soon as the process completed they hung up.
Product: Credit reporting or other personal consumer reports

am writing to dispute account on my credit report that were made without my consent. According to section 604 OF FAIR CREDIT REPORTING to section act ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. HARD INQUIRY XXXX XXXX XX/XX/year>
Product: Credit reporting

Equifax has been notified to remove an " authorized user '' account that I was never liable for XXXX and refuses to do so. Also, the creditor in question ADDED an additional " auth user '' account on my credit, lowering my score even further. I never authorized anyone to add me as an authorized user, was never in possession of those cards, yet Equifax refuses to delete it off my credit bureau even though it clearly states " AUTHORIZED USER '' on the Equifax report. Obviously, I was NOT the account holder and this should be deleted immediately. XXXX honored my request, but Equifax did not even after several disputes. EQUIFAX EVEN ADDED A XXXX AUTH USER ACCOUNT further damaging my score. We have an urgent situation trying to find housing for XXXX XXXX kids ( XXXX ) and a XXXX citizen. Our XXXX family is large and we need to buy a house asap due to our lease expiring soon. This is causing a horrible burden to our family.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Information Account : XXXXXXXX XXXX XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor XXXX XXXX XXXX XXXX Account Number : [ XXXX ] High Balance : {$15000.00} Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Canceled by credit grantor, Unpaid balance reported as a loss by the credit grantor Dispute Status : Account not disputed Credit Limit : {$14000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
Experian : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : No detailed information provided, indicating potential discrepancies. 






Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 

I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me.
Product: Mortgage

I have received XXXX mortgage payoffs from my current loan servicer, Mr Cooper in the past month. 

I have called them several times to state I never requested payoffs and this is fraudulent activity. I am being charged fees for the payoff requests. I have asked for a new loan number to be assigned so no one has it and they did not give me one.

I stated I wanted it noted on my account that I never provided authorization to release info to any 3rd party and no payoffs are to be generated on my account. I am still continuing to receive payoffs and being charged fees.

Twice a supervisor was supposed to call me, because they are never available, and never called. 

They are doing nothing to rectify or help the situation. I've had to spend hours on the phone trying to resolve this, causing me to miss hours at work trying to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute to the credit bureaus and they did not respond and have violated my consumer right. I am demanding they delete the inaccurate account from my credit report. They have to report with 100 % accuracy which they have not and I'm seeking a deletion on the account and compensation.
Product: Credit card

I use to have an American Express Card and then I was a victim of ID Theft and the card was removed. I have called to ask for a card to help my credit score. It has been very hard for me with my credit and my files have been on fraud alert since XXXX with IRS . I received a copy of my XXXX report to find out I have over XXXX inquiries from American Express.I called them and they said they do not have my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose