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

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit. Remove all of these inaccuracies immediately. As, I AM, a victim of fraud, identity theft, mail fraud, and abuse ; as, fraud accounts are transpiring upon my personal credit reports ; and need be removed immediately per Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified LEXIS NEXIS, XXXX, XXXX, and XXXX of unlawful and unauthorized reporting of unknown inquires and chapter XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX -XXXX XXXX  ... XXXX XXXX XXXX XXXX # ... XXXX XXXX XXXX XXXX XXXX ... XXXX -US Dept of EDU #... XXXX -US Dept of EDU # XXXX -Dept of EDU/XXXX # XXXX XXXX XXXXDept of EDU/XXXX # ... XXXX XXXX XXXX XXXXXXXX XXXX Bank # ... XXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -US Dept of EDU # ... XXXX -Dept of EDUXXXX # ... XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -Dept of EDU/XXXX XXXX ... XXXX -Dept of EDUXXXX # ... XXXX -Dept of EDU/XXXX XXXX  XXXX XXXX -Dept of EDUXXXX # XXXX 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 In addition, I have usage of less than 30 % of the following accounts total credit and XXXX is not reporting on some of my credit card accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is the amount required to keep my credit in good standing and raise my credit, and yet, these reporting companies keep deducting from my credit points unwarranted. I spoke with XXXX XXXXXXXX XXXX, for example, and they inquired for a while in their system of why this was happening with the credit reporting agencies and they advised to reach out to them, because on their end it shows that I am correct about this account. Same with the other credit cards I use. 

Moreover, I have never been known as XXXX XXXX and I don't have a middle Initial. That is incorrect.
Product: Credit reporting or other personal consumer reports

I am unaware of this account by the name XXXX XXXXXXXX XXXX XXXX of XXXX. Please validate this information with the creditors and provide me with any documentation associated with these accounts. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful records of your actions.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry and had no interaction with the lender on the mentioned date
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Product: Credit reporting, credit repair services, or other personal consumer reports

A BILL WAS LISTED ON MY CREDIT REPORT THAT I HAVE APPLIED OR USED
Product: Debt collection

I informed XXXX that the debt was not mine due to fraud at XXXX of their franchises. I was led to believe there was no debt under my name. Under 15 USC 1692j, the debt collector used deceptive practices, claiming to be the company collecting XXXX XXXX debt. I contacted XXXX, and they confirmed that I owed them directly, stating they did not employ a collection agency ( voice recordings ). Pursuant to 15 USC 1692k, I seek {$1000.00} in damages for the intentional violation of the laws in this section. According to 15 USC 1692c ( a ) ( 1 ) and ( 3 ), it was an inconvenience and a violation to contact me at my place of employment, XXXX XXXX XXXX, XXXX, NC ( XXXX XXXX XXXX ), after I declared the debt was not mine. Per 15 USC 1692c ( b ), XXXX and Southwest Credit Systems attempted to collect the same debt simultaneously on XXXX ( XXXX ) and XXXX ( Southwest Credit Systems ) , using the same account number ( XXXX ). According to 15 USC 1692e ( 10 ), XXXX and Southwest Credit Systems engaged in collusive deceptive practices to collect on the same debt on XXXX, and XXXX also broke 15usc 1692f ( 8 ), by using two different addresses XXXX XXXX XXXX XXXX, oh XXXX southwest credit systems ) and XXXX XXXX XXXX XXXX, XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, and 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
Product: Payday loan, title loan, personal loan, or advance loan

I have asked on multiple times that they stop adding fees to my loan while I am struggling to pay the loan. They told me to pay {$50.00} twice a month but will not stop the additional fees with paying this amount. I tried to negotiate a lower payment and they refused saying that it is not possible. Even though I am paying XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) my balance due keeps going up. 
They are taking advantage of me being in a financial bind due to medical bills. Their unwillingness to stop the excessive fees means that I will end up paying over 300 % more than borrowed.
Product: Credit reporting or other personal consumer reports

HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE XXXX XXXX XXXXXX/XX/XXXX TO XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX promised to remove the tradeline from my credit report ( XXXX XXXX ). There was no confusion XXXX plainly stated to XXXX that the tradeline belong to XXXX XXXX. This was not a typographical error. In addition, In addition, XXXX and US Dept of Edu. reported to the XXXX back XX/XX/XXXX that the account was opened XX/XX/XXXX. I was not born until XXXX XXXX. Also XXXX, reports allegedly that the account was opened XX/XX/XXXX. Yet the Promissory Note in mention has a date of XX/XX/XXXX and XX/XX/XXXX. Please note this account created by XXXX, US Dept of Edu keep changing the narrative to try place these tradelines on my credit that does not belong. XXXX stated that loans were PURCHASED from US Dept. Edu and XXXX. There are 3 different lines of false credit reporting remains on my credit. XXXX promised to remove their accounts but the are still there causing damage to my credit profile. The XXXX account was closed and was removed from my credit. The US. Dept of Education was also closed and at one point removed. XXXX and US. Dept. of Education has deliberately duplicated the accounts on my credit to over-extend / usage of Credit. The reporting is false. According 15 USC 1681 and 1681 ( i ) All reporting must be reported correctly and false reporting my be removed promptly. Please encourage these reporting agency to make the necessary corrections.
Product: Credit reporting or other personal consumer reports

The entry relates to an incident that occurred in XXXX  when my mobile phone was lost. During this time, an individual unlawfully accessed my banking app and attempted to deposit a fake check for the amount of {$2200.00} into my account. 
The fraudulent attempt was flagged as such by my bank, and the transaction was promptly declined. Subsequently, my account was closed as a precautionary measure. However, due to this fraudulent activity, I am now unable to deposit checks using mobile banking, which has created significant financial hardships for me.
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 XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past I have notified Transunion and  XXXX  that I have never attended college in  XXXX , Wa and I would like the student loans that are from  XXXX   XXXX  removed from my credit report that are listed.     I also would like the loan consolidation acknowledged on my current credit report as loans paid off, not going under another name.     Thank you.    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!
Product: Student loan

Application for loan forgiveness completed XX/XX/XXXX for loan taken XX/XX/XXXX denied XX/XX/XXXX page 3 section IV Of my application for forgiveness I indicated I DO NOT hold a XXXX XXXX XXXX or XXXX  and XXXX XXXX XXXX FAILED TO INFORM me that this would inhibit my ability to utilize my education to find employment. This would fall under the Borrower Defense Regulation for : False Certification of Ability to Benefit Discharge however my application was still denied and I was also informed that I do not have access to my educational transcripts proving that these units were completed so that I am be able to prove that I attended this school
Product: Credit reporting or other personal consumer reports

! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX  Last Payment Made XX/XX/XXXXXXXX  Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.
Product: Credit reporting or other personal consumer reports

I requested a goodwill adjustment to remove the XXXX and XXXX late payments reported on my credit file ( XXXX ) XXXX Loan. I explained that these late payments were due to a temporary hardship and that the account has been in good standing since. I asked them to review my payment history and consider removing the negative marks as a goodwill gesture.
Product: Mortgage

I have submitted XXXX written requests and made numerous phone calls to Bayview Loan Servicing to obtain a breakdown of the activity on my mortgage account. I am in chapter XXXX but I make the payments directly to Bayview each month. I have been told that it is not their policy to send monthly statements of account to CHXXXX clients. I do not understand this because before XXXX XXXX XXXX transferred my loan to Bayview, XXXX XXXX XXXX did send monthly statements. I have made XXXX of the 60 monthly payments required under my monthly plan. I am not in default. Bayview has also failed to send the XXXX mortgage interest statement required under IRS regulations. They offered to give me a figure over the phone but obviously this information must be reported in writing. As I am typing this, I just spoke with Bayview and they state that the XXXX will be faxed today or tomorrow. They also stated that because I have an attorney of record on my account. their policy is not to send me any information but to report it to my attorney instead. The problem is that my attorney states that Bayview has not sent them the requested information either. I have experienced problems with accounting errors on previous mortgage accounts and it is important that I know how my payments are being applied. I know that the law requires Bayview to provide me with a detail of how my payments are being applied as well as my escrow and principal balances. I believe that I am not the only client of Bayview who is not receiving information on their account. I am attaching a copy of the XXXX the letters mailed to Bayview in XX/XX/XXXX and XXXX XXXX the XXXX letter was also faxed. I would appreciate any assistance you can offer to facilite my receipt of the transaction activity and balances on my mortgage account. 
ThanksXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Loss Mitigation dept at US Bank incorrectly put my account under a payment plan and is not resolving my dispute in a timely manner. 
In all honesty this should never have happened at all because I was never truly delinquent!! I have been jerked around for almost 2 months, more specifically in the last 5 business days by : XXXX XXXX # XXXX who has refused to take my calls even thought she is my assigned relationship manager. 
XXXX # XXXX who was just jerking me around telling me XXXX and XXXX werent there when in fact they were, gave conflicting information, was rude and unprofessional. 
XXXX # XXXX who said he was working on a resolution however has not called me back when promised as of 2 days later. 
XXXX ( no ID number known ) who kept me on hold for over an hour full well knowing he was not going to be transferring me to someone to assist. I have a witness, XXXX XXXX, Client Relationship Consultant at the branch I was in trying to get this resolved. 
I have been more than patient and I am no longer waiting, nor should I have to. This is US Banks error, not mine, and I should not be forced to wait any longer. In fact there should be nothing to research bc it never should have gone this far! I have never been late, never gave authorization or consent to a payment plan and are pretty sure this is a banking violation.
Product: Debt collection

ALLIED COLLECTION SERVICES is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX, who claimed to be an employee of XXXX, a leading e-commerce platform founded by XXXX XXXX in 2008. She mentioned that she got my information from XXXX at XXXX XXXX XXXX, XXXX. XXXX explained that XXXX serves global buyers, predominantly in XXXX and the United States, and hosts around XXXX sellers. The company 's operational hours are XXXX XXXX  to XXXX XXXX  XXXX XXXX, during which tasks can typically be completed in less than an hour using a mobile phone or computer. XXXX collaborates with reputable application developers to enhance online visibility and search rankings, thereby increasing product purchases. Consequently, they seek remote workers from various locations to work on their XXXX platform. I underwent their training, for which they credited my account. After starting to submit tasks, I encountered an order termed a " welfare order '' that required transferring money using ETH to earn a commission. I downloaded XXXX to facilitate this. XXXX is stating there is nothing they can do. Which these transactions was charged from my chime debit card. However, upon attempting to withdraw my funds, and a commision of XXXX with commissions and my alleged investment of XXXX I had a total earnings on my platform of XXXX available to withdraw. I was informed that my credit score had dropped because of delays in completing the orders. To rectify this and withdraw my earnings along with my investment, I had to spend thousands of dollars to improve my credit score. Despite their assurances that nothing would impede my withdrawal after fixing my credit score, I faced yet another roadblock : an additional {$8500.00} tax filing fee. On top of all my fun, they now threatening messages, threatening my family, and my kids with guns pointing to the camera. My children as well as myself safety is at stake as well as all our income taken from us. At this stage, with {$18000.00} already invested, and no longer any means in my accounts I realized this was a fraudulent operation. As a single mother, losing {$18000.00} was devastating. Unable to trust the company further, I reported the fraud to the XXXX XXXX XXXX XXXX Department and filed a complaint with the FBI. XXXX XXXX has also assigned this fraudulent scam to an fbi agent on this investigation as well. The XXXX has been contacted in regards to this as well. Despite submitting all documentation to cash app that XXXX was fraudulently stolen, they concluded my claim without offering a refund, stating they found no error with apple pay. In total funds stolen {$2100.00} was fraudulently and deceived charged to my cash-app debit card and checking account. I have taken all necessary steps, including notifying my bank and law enforcement, yet cash app and apple pay refuses to assist in recovering my funds. This situation is an unequivocal scam, leaving me at a loss as my bank declines to aid in reclaiming my stolen money. Is there any assistance or help I could get? I appreciate it. Thank you, XXXX XXXX XXXX XXXX