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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, an EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, a EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, and a EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX with a balance of {$2600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Criminal Complaint # ( private case number ) 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 or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act
Product: Debt collection

I am writing to seek your assistance regarding an issue I have encountered with National Credit Systems. On XX/XX/2023, I sent them a pay-to-delete letter, as I am trying to rectify an outstanding balance of {$4900.00} reported in my credit history. 

In the letter, I proposed a pay-to-delete agreement in accordance with the Fair Credit Reporting Act ( FCRA ) and the 15 USC Codes. I offered to make a payment of 10 % of the total debt, amounting to {$490.00}, as a gesture of good faith and as an effort to resolve this matter in a mutually beneficial manner. I believe a pay-to-delete agreement would be advantageous to both parties and would encourage an amicable resolution to this matter.

Under the FCRA and the 15 USC Codes, consume
rs have the right to dispute any inaccurate or incomplete information listed on their credit reports. I understand that National Credit Systems is given a response period of 15-30 days upon receipt of the letter. However, as of today, XX/XX/2023, I have not yet received any response from them regarding the proposed pay-to-delete agreement, despite their obligation to respond within the stipulated timeframe. 
I am contacting you, the Consumer Financial Protection Bureau, to assist me in this matter. I am hopeful that your intervention will prompt National Credit Systems to adhere to the FCRA and the 15 USC Codes by considering my pay-to-delete proposal and responding accordingly.

I would be grateful for any advice or assistance you can provide, and I am more than willing to supply any additional information you may need to handle this matter effectively.

Thank you in advance for your time and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER APPLIED FOR ANY LINES OF CREDIT WITH ANY OF THESE COMPANIES. I HAVE ADVISED THE CREDIT REPORTING AGENCIES OF THIS AND THEY STILL HAVE NOT REMOVED THESE INQUIRIES.. 
THIS IS AFFECTING MY CREDIT WORTHINESS AND HAS CAUSED MUCH STRESS TO CORRECT THIS! 
I HAVE REQUESTED PROOF OF THIS NUMEROUS TIMES TO NO AVAIL.
Product: Checking or savings account

I opened an account in XX/XX/2019 with a promotion of {$300.00} for a savings account and {$300.00} for a checking account. 
XXXX, the person helping me closed and opened my accounts and assured me that I would received this promotional bonus. 
I kept the proper balances and did everything I was told to do. 
I did not receive any promotional money. 
XXXX has since left this bank and I was told she did similar misdeeds with other accounts. 
I can provide the promotional information as well. 
Im happy to provide my account information
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regard to TRANSUNION not meeting the requirements for having reasonable procedures that is necessary for meeting the everyday needs of commerce, specifically in its initial investigation of furnisher information on consumer reports. TRANSUNION has allowed the furnishing of inaccurate, unfair, and unequitable information on my consumer report which is not in accordance with the requirements of title 15 U.S. Code 1681.

It is a fact, and as defined in the Gramm-Leach-Bliley Act, a financial institution that extends credit and regularly reports negative information about customers to a nationwide CRA, must notify customers that they report such information. Example of negative information include a customers delinquencies, late payments, insolvency or any form of default. 
XXXX XXXX, a financial institution never gave me any notice that they intended to furnish this account on my consumer report. What is worse is that they furnished negative inaccurate information on my consumer report without prior notice. XXXX XXXX knowingly reported false information by being reckless in their reporting. Any natural person who looks at this account on my consumer report can see that XXXX XXXX is just furnishing information on my report recklessly. How does one have {$0.00} past due payments for several month to owing {$3100.00} the next month? See Exhibit A, attached. How is the high balance the same from XXXX to XXXX, when there were payments? See Exhibit B, attached. This is the reason I am holding TRANSUNION liable because they dont have any procedures in place to prevent this adverse information from being furnished this way on my account in the first place.
Product: Credit reporting or other personal consumer reports

Based on 15 U.S Code 1681c-2 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 not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Collector called via relay service, ( I'm deaf, ) did not get the information via mail. Was told was my hospital bill athestist ( spell ). They finally send a bill as a collector. But stated that I went out of control and my fault. He was talk to my dad. I called them to see if I can settle the bill and they threw a urge interest charge to punish me. I tried to work with him. Threat me that the process server is looking for me. I asked him when?? I will go to court due to this threat. Insulted me that I would lose. I told him no I won't. I work for DOJ. He just cracked up. I can not reason with him He stated that he is a lawyer. Boggles my mind.
Product: Credit card

I have not received a statement from capital one in over 2 months. This is not the XXXX time I have had this problem with capital one. They now have reported my account 30 days late to the credit bureaus causing significant damage to my credit because of their lack of customer service and integrity. I have a security clearance for my job and because capital one is inept with providing me statements this is now in jeapordy.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.
Product: Student loan

I contacted my loan servicers, both XXXX and Aidvantage in attempt to try to confirm the origin of the loans they hold. I was told by XXXX that they no longer hold the loan for XXXX XXXX after I had gone through submitting the requested dispute form for a loan that was taken out in my name. 
There is a fraudulent loan that was taken out from XXXX XXXX in my name. This loan is approximately {$8000.00}. I was told by Aidvantage that I could not confirm the origin of the loans that they hold at all. I have been unable to dispute this loan successfully as I do not know who is holding the loan.
Product: Credit reporting or other personal consumer reports

TO : U.S. Department of Education Student Privacy Policy office XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX Main Subject : Formal complaint regarding data breach, FERPA and Title IV violations, and request for immediate discharge of student loans Dear To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of the federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my agreements.

A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 

A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 

XXXX notification to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Mortgage

i have purchased a home mortgage loan in XX/XX/XXXX since then i have been recieving false mail and refiance a va loan..my house was sold to as brand new home but it was a brand new home..it was built in XXXX we went though XXXX XXXX and now i can not purchase anything since all this is affecting from moving forward i have been try to sell or do something to fix this problem. so many home insurance was taking out. my buisness has been stolen as well I opened a buisness in XXXX XXXX Texas XXXX XXXX it was turned into an LLC i have so many mortgages out with my social security and name. car loans medical insurance fruaud..ciams put in as car accidents
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding inaccurate and incomplete reporting on my consumer credit file. Specifically : XXXX XXXX  Card ( ending in XXXX and XXXX ) XXXX XXXX XXXX  ( ending in XXXX ) XXXX XXXX XXXX  ( ending in XXXX ) Not reporting on my consumer file The failure to report or inaccurately report these accounts is negatively affecting my credit profile, preventing me from obtaining credit on favorable terms. I have obtained confirmation from the respective credit card companies that they are reporting these accounts to the credit bureaus, yet this information is either missing or inaccurately reflected on my file. 
This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to investigate disputed information.

15 U.S.C. 1681e ( b ) Mandates credit reporting agencies to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Requires furnishers of information to report accurately to credit bureaus.

15 U.S.C. 1681s-2 ( b ) Requires furnishers to investigate disputes when notified by a credit bureau .

I am providing documentation proving that these creditors assured me they are reporting these accounts. Given the legal requirements for accurate and complete reporting, I request immediate investigation and correction of my credit file to reflect the proper reporting of these accounts.

Please confirm receipt of this dispute and provide an update on the actions taken to resolve this matter.
Product: Debt collection

I am in the final stages of buying a home and when they pulled my credit the final time they caught 3 collections that are not mine. They don't even have the correct last name on them! One of the collections companies is XXXX and the other is LNLV. Both have been contacted but not really willing to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*
Product: Debt collection

On wed XX/XX/XXXX I received a call from an unknown number telling me a process server was calling and I needed to call a number when the person answered it was a lawyer from New Jersey saying it was a Bank of America account in 2006! The problem is its charged off and no longer on my credit report and under the statue of limitations I qualify its been over four years this account! I dont owe anything! When the lawyer I dont rem the name said that Bank of America was suing me and a process server was coming out! Today I got a phone call from XXXX would not tell me who they were just I had to call a number! They keep harassing me! If bank of America was suing me and they have a different attorney why did I not get anything in the mail! I looked at the law I dont owe this anymore its way over ten years! I have no acct number to go on or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments on my credit report I was never late they need to be updated as paid
Product: Credit reporting or other personal consumer reports

My account with those creditos was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I was sent a pre approval for a capitol one cc I filled out received card and after XXXX purchases they put a restriction on card saying I had to validate identity. I sent in my government issued resident alien card. I called and was told by the supervisor it was rejected because they only accept state d.l. I am XXXX and do n't drive before agreeing to card I saw several times what I'd I needed and government issued I'd was one now they have my acct on hold and won't accept what they clearly have as acceptable on their website
Product: Debt collection

I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1 ) ACCOUNT # XXXX AMOUNT : {$2900.00} ( XXXX ) ACCOUNT # XXXX AMOUNT : {$13000.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.
Product: Checking or savings account

There are multiple accounts on my profile that were opened due to identity theft and fraud, and I have requested to have this information removed from my profile because it is impacting me from opening a bank account. I have written ChexSystems directly to request an investigation of the following accounts listed in the attached letter and nothing has been done. I am a victim of identity theft and never opened or used the following accounts listed and I am requesting to have all of this information removed from my profile immediately because of this.