23daVinci/CFPB_Complaints huggingface dataset:
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 confide

ntiality under 15 USC 1681. 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 reasonab
le cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft. I have contacted multiple bureas in regards to blocking my report to be pulled by companies without my approval. 
XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$3200.00} Have all been illegally attached to me. I am constantly harassed daily from companies about debt and accounts that I never legally authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. Transunion keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. Inquires that I did not authorize. XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XX/XX/XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXAutomotive Individual XXXX XXXX, XXXX XXXX XX/XX/XXXX / XX/XX/XXXXXXXX Banks Individual XXXX XXXX, XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XX/XX/XXXXFinance / Personal Individual XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XX/XX/XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. XXXX XX/XX/XXXXBalance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00}XX/XX/XXXX XXXX {$4700.00}
Product: Student loan

I have spent the last 5 months trying to resolve with both Mohela my loan servicer and Federal Student Aid Department of Education that I have satisfied my XXXX qualifying payments in public service to have loan forgiven. I was notified by Federal Student Aid via letter attached and also on my studentaid.gov account that the loan in question was forgiven. I have submitted complaints with Federal Student Aid to please notify Mohela that loan has been forgiven with no resolution. I continue to pay monthly to Mohela when I should not be. Please see attachments. I appreciate any help on this matter as I should not continue to pay a loan that has been forgiven through XXXX  program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received email from XXXX XXXX in regards of an Collection. Upon checking, this collection started XX/XX/2019 by diverfsified consultnts, based in XXXX Florida XXXX. XXXX. Collection remarks claims I owe {$320.00} from XXXX XXXX XXXX XXXX. Contact info following : DIVERSIFIED CONSULTNTS. XXXX XXXX XXXX XXXXXXXX. XXXX, FL XXXX XXXX. ( XXXX ) XXXX-XXXX. You get no response from calling the listed number on collection claim. When call a different number associated with DIVERSIFIED CONSULTNTS, I get same no response. My credit score is now negatively affected by XXXX XXXX collection error.
Product: Credit reporting or other personal consumer reports

On about XXXX US Bank  XXXX XXXX XXXX ) reported my credit card as delinquent in error, after disputing the matter directly the company then agreed to correct the issue. According to XXXX representatives XXXX and XXXX they have updated my record as well as sent letters to all credit bureaus. I also received the letter. The only credit bureau to consistently not correct and update my file is XXXX. I have made multiple disputes and each time the information reappears on my credit causing irreparable damage to my credit status. The balance is incorrect. Payment history incorrect and the account is not and has never been past due. I made a complaint with XXXX supervisor XXXX XX/XX/24 and she advised no follow up on complaints but provided case # XXXX
Product: Payday loan, title loan, or personal loan

My intrest rate is now 66 %! I would have never signed up or a loan at that APR. The terms are changing on my loan without notification. Harassing phone calls. I have paid over {$1000.00} on this loan and only about {$200.00} going towards pay off. Deceptive marketing. Predatory lending.
Product: Student loan

bank moblie XXXX XXXX they saying im giveing them the wrong code to my account. i have called them and my school. and my school and bank mobie is not helping me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I XXXX XXXX called XXXX XXXX  to discuss an Pay to delete I Paid {$400.00} to XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX. 
CONFIRMATION # XXXX XXXX XXXX XXXX XXXX PAID IN FULL XXXX XXXX STATED THEY DO NOT CREDIT REPORT PAYMENTS BUT WILL TELL XXXX XXXX  SO I SAID I'M REPORTING BOTH OF YOU TO CONSUMER PROTECTION FEDERAL ANGENCY XXXX XXXX  AND XXXX XXXX TO REMOVE OFF ALL XXXX CREDIT REPORTING AGENCIES AFTER I PAID IN FULL
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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  Bank Credit Cards XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting

I had cell phone service through XXXX, I had to cancel my contract early due to military XXXX that were taking me XXXX. I called on numerous occassions to get the account cancelled out and then about 6 months later I got an alert on my credit report saying that XXXX XXXX XXXX had sent my account to collections for an unpaid bill. After numerous conversations back in XXXX of 2015 they finally got everything squared away and found out they actually owed me a refund. So they sent me a mail in the check and said that they would take care of the collection agency. Well now it is XXXX 2015 and now a different collection agency is reporting that I owe XXXX money so I contacted XXXX XXXX XXXX and they stated my account is closed out and paid so they are not sure why they are reporting me for collections. Attached is an email from XXXX stated that I was being refunded and the other attachment is the collection agency XXXX XXXX XXXX, which is the account linked to the XXXX account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS CHARGING ME TO FREEZE MY ACCOUNT TO FIX THEIR MISTAKE!
Product: Checking or savings account

I received a pamphlet from XXXXXXXX XXXX  regarding a promotion bonus. It stated that by opening a checking account with a certain amount and maintaining it for a specified period, I would be eligible for a bonus. On XX/XX/XXXX, I opened a checking account and deposited {$75000.00}. According to the agreement, I should receive a {$1000.00} bonus approximately 3 months later. However, they have not issued the bonus yet, and every time I call, they only say that they are still investigating. 
I just had a conversation with XXXX XXXX, and when I informed them that I would report to the Consumer Financial Protection Bureau ( CFPB ) if they didn't provide my bonus, they just forcibly closed my checking & saving accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

My credit was denied by XXXX XXXX co of XXXX XXXX. XXXX reason stated was that I did not have sufficient equity in my home, however, I have over $ XXXX, so this was a blatant error. They did not check my home value before denying my loan application. 
Secondly, they denied my credit because they said that my amount owed on accounts was too high and that the length of revolving accounts have been established ( doesn't make sense here ). Well, with regard to revolving accounts I pay the balance in full every month. They said when I called about this that they might have made this error because they looked at the balance before I paid it ( again not making sense ). They also said that the 'ratio of balance to limit on bank revolving or other rev accounts is too high '. My credit card says that I can borrow up to $ XXXX, but I never even get close to this! 

Furthermore, my credit rating is XXXX or XXXX. I told my lender - Golden XXXX in California that this company is incompetent. They caused me a great deal of stress as I pay my bills every month in full. I do have a mortgage but again it is paid every month in full. Therefore I am asking that you reconsider any permits or ratings of this company. 

Thank you so much for being there. I did get my XXXX loan anyway in spite of this company. 

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

On XX/XX/2023 I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good afternoon, I contacted Jefferson Capital Systems , LLC. to get a debt validation prior to proceeding with their allegation I owe a debt especially since I've never done business with this company. This was sent XX/XX/XXXX and they received XX/XX/XXXX confirmed through Certified Mail. In my debt validation request in which I have the right to request under 15 usc 1692g, I asked Jefferson Capital Systems , LLC. to provide validation through : * The amount of the alleged debt * The name of the original creditor to whom the debt is owed * The name and address of the original creditor which differs from XXXX XXXX XXXX * The agreement between Jefferson Capital Systems , LLC and XXXX XXXX XXXX granting Jefferson Capital Systems , LLC. the alleged right to collect on XXXX XXXX XXXX behalf * A statement that if I notified Jefferson Capital Systems , LLC in writing within 30 days that the alleged debt is disputed, Jefferson Capital Systems , LLC must give me the verification of the alleged debt and a judgement against me the consumer * Any insurance claim submitted by any creditor regarding the account in question. 

I stated if any of the information requested isn't received or provided and an invalidated debt is still being reported to consumer reporting agencies, I will have to exercise my rights under 15 usc 1692k which includes for me filing this complaint through the CFPB. 

In response to this call to action on XX/XX/XXXX I was sent misleading and offensive information stating " they can't sue me due to law limits of time when they can sue on the debt. '' They state " if I dont pay the debt, they may or continue to report to credit reporting agencies as unpaid as long as the law permits this reporting. '' They also included 1 false and misleading representation of what they call a " verification '' of the alleged debt which is nothing but a statement from XXXX XXXX XXXX being sent to MS XXXX XXXX XXXX dated back to XX/XX/XXXX reporting on the alleged debt. This is not a validation of the alleged debt as I requested. This statement doesn't address any of my validation requests and is intended to mislead me on information regarding the alleged debt. This isn't right and I will like to continue to take action against Jefferson Capital Systems , LLC. pursuant to 15 usc 1692d. Thank you for helping me to bring remedy to this unfortunate circumstance.
Product: Checking or savings account

I had an account with Bank of America, # XXXX that was the subject of fraud, the fraud department closed my account and than {$60.00} was transferred into it. BOFA started a new account for me! I decided to change banks so I went and closed my new account and withdrew my money! The teller stated she could not take the {$60.00} dollars from the account that was closed by the fraud department. I was told they would send me a check. I received a letter from BOFA last week that shows I was charged a {$12.00} maintenance fee and that on XX/XX/24 that ID XXXX cash withdrawal of {$48.00}. I contacted BOFA, they stated I would have to talk with the bank in XXXX, Idaho ( 2 hrs drive ) because it shows the money was withdrawn. They charged me for an account they locked and I never took the money out!
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX 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 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

IXXXX 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 
REPORT INFORMATION Type of Incident : Identify theft Following are the types of theft that I was a victim of : X Other Date of XX/XX/XXXX Time of Incident : XXXX Incident : How did you become aware of the incident? I just received an email saying that I owe money to XXXX XXXX  and at the time this taking place I was XXXX and wasnt staying at the address so I know that it was identity theft Location of Incident : XXXX MA Briefly Describe the Incident : I was XXXX  at the time of the incident so I dont really know what time it accrued but it says XX/XX/XXXX Information regarding Thief ( please provide any information that you may have about the alleged thief ) : N/a Please list all items that were lost or stolen, using as many unique identifying characteristics as possible. 
1. Identity ADDITIONAL INFORMATION Please provide any additional details that may be beneficial : I will like to get the account disputed off my credit This Police Report Worksheet is executed and agreed to by : XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX Recorded at XXXX XXXX
Product: Credit reporting

My wife and first attempted to receive our free annual credit report via the Internet with not success. We then submitted the required request form provided by XXXX, by mail. Our request was denied for : Proof of current mailing address. We then provided a new request form with proof of current mailing address and again denied. We after words applied for credit to purchase a vehicle and was denied for credit reasons. The incident occurred with all XXXX credit bureaus.
Product: Debt collection

I have had a medical expense from an emergency in XXXX. We had negotiated with the insurance ( XXXX ) at the time and had assume the matter was settled. I was surprised to receive a letter n XX/XX/XXXX that the insurance refused to pay certain amount and the hospital is now looking to recover that cost. I no longer have XXXX and is very hard to coordinate on why the insurance declined to pay as i had already met the deductible for that year. 

Eventually this debt resulted in the hospital transferring to a debt collection agency who was making repeated phone calls. They had also increased the debt amount tacking on additional interest. 

I have sent a letter to the debt collector to provide us a written debt verification statement as soon as possible including a request asking for they are prepared to accept less the balance that is currently in the statement. 

It has been more than 30 days since i sent this letter and i have not received any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15USC1666B THERE IS NO SUCH THING AS A LATE PAYMENT!

PURSUANT TO 15USC1666D THE ALLEGED CREDITOR FAILED TO CREDIT MY CONSUMER ACCOUNT!

PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( A ( i ) SUBSECTION ( d ) CONSUMER REPORT SUBSECTION- ( 2 ) EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE -- -- - ( A ) subject to section 1681s-3 of this title, and -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; YOU ARE NOW WILLFULLY NON COMPLYING WITH THE LAW!

Pursuant to 15USC 1692g I have the right to request the method of verification on how the following accounts are being reported. 
Please send the following information used to verify the validity of 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 Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If you could not produce such docs within 15 days you should delete the accounts from my report to prevent further damage. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit reporting or other personal consumer reports

The vehicle was repossessed by the company. The payment amount was 3 years and I only had 6 month left on the property with no interest rate on the loan. There is a incorrect accuracy on my credit report that states I owe a balance over XXXX dollars. When the value of the property is less than due to it being used property. Causing illegal practices in the company for gain. The property violated the lime law in Tennessee. It was deem hazardous on the road due to XXXX recalls. Which they refused to fix it even on contract bases. On the credit report the balance is incorrect and inaccurate.