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

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXXXXXX number account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the Transunion ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and XXXX  which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of XXXX  and Transunion too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

asked credit bureau to investigate these accounts they stated that they did and accounts came back verifiable. I also did an investigation and found inaccurate information. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A states I have the 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX  Account Number XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. OnXXXX/24, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX XXXX. Please feel free to contact me at XXXX According to 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) 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.
Product: Credit card or prepaid card

Account has been active since XX/XX/XXXX. 

On XX/XX/XXXX - Comenity Capital Bank Closed account due to policy changes. 

Spoke with XXXX - CCB Manager on XX/XX/XXXX, He stated company changed procedure to close accounts with no activity for 18 months - previously this limit was 31 months. XXXX also stated that accounts between 16 and 18 months were issued a letter of intent to close. 

CCB did not notify any account holders between 18 and 31 months of intent to close. 

This violates the 45 day requirement for any major changes to credit card terms. 

This action was classified as a negative event on personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax on XXXX XXXX regarding some Inquires that are not mines. I have sent a FTC report as well regarding these unauthorized inquiries. The Inquiries are listed below. 

XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

The original loan was opened through XXXX XXXX XXXX  on XX/XX/XXXXXXXX  in the amount of {$5900.00}. On my credit, it shows closed on XX/XX/XXXXXXXX  due to XXXX  XXXX bankruptcy. When applying for my mortgage in XXXX of XXXX, a new account XXXX XXXX showed up on my report with the same initial balance as the XXXX XXXX student loan. There was no written notice, notification, or communication that this account was sold or transferred. Looking at my credit report this account shows closed and 100 % paid off due to the bankruptcy. I have been in contact with XXXX requesting this information and requesting payment status. This information has still not been shared and I am needing this taken care of as soon as possible.
Product: Student loan

My loans were originally through XXXX XXXX, and now they are through Navient. I pay an astronomical amount each month. I was told if i entered into this special reduction program, my payments would then drop after a year. After the year ended, I was then told that was incorrect, that what I had been paying was the reduced amount, and they tried to double my payments when I could barely afford the original payment. Now every year I have to beg them to reduce my payments. They try to bully me and my cosigner - who is unable to pay. On multiple occasions they have taken out too many payments and I have to call and beg them for a refund so that I can eat. They also never take the payments out on time which causes overdrafts constantly with my bank. 
Their customer service is rarely helpful, and every time I call I am given different information. I am constantly told i have been misinformed. It is very frustrating and demeaning.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Open. {$240.00} past due as of XXXX XXXX. 

SBNASELFLNDR Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received my credit report showing several payday loans from this company. ( XXXX XXXX ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. XXXX XXXX then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to be a co signer, account does not belong to me, I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple attempts to the credit reporting agencies to remove these debts and collections from my account. My personal data and information was leaked multiple types in multiple data breaches with different companies. As a result of my personal data and information being leaked my information was accessible to hackers etc which in turn they opened up accounts in my name that I was unaware of. On top of that my mailbox has been broken into many times as well which put my personal data and information at risk as well.
Product: Debt collection

CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The above company placed two collection accounts on my credit reports with all XXXX reporting agencies. They allege that I owe them {$6600.00} for one account, and {$4400.00} on another account. I never opened an account with Cavalry, and I do not believe they have a right to damage my credit rating by placing new accounts on my credit reports. Both accounts were added to my credit report in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Hello, I spoke to my loan Servicer, CMC Funding ( Specialized Loan Servicing ) yesterday XX/XX/2020 regarding forbearance on my mortgage. 
I was laid off from a XXXX XXXX due to COVID19. I researched my loan and it is a XXXX XXXX loan. 
My servicer is insisting that at the end of the forbearance period all missed payments will be due and need to be paid ALL AT ONCE IN A LUMP SUM. ( Theyve been telling me this for the last month and I wanted to know if they were aware of what was announced this past week regarding XXXX XXXX ) They did mention 30 days prior to end of forbearance period they will reach out and discuss options after the forbearance period. However, it can not be determined at this time what those options will be. Nor can they guarantee another option will be available so basically be prepared to have to pay the full amount of missed payments. 
I shared with the representative what I read about XXXX XXXX and the Cares Act. He was not familiar with any recent special instructions regarding XXXX XXXX loans and Even said he would check out the XXXX XXXX website after we spoke. 

A friend of mine has a XXXX XXXX loan with XXXX XXXX. They granted her a forbearance and immediately disclosed at the end of the forbearance her payments will automatically be deferred to the end of the 30 yr loan. 

I wish I could know the plan now as well, before using the forbearance. I have good credit and I do not want to tarnish it, having to come up with all three months at once stresses me out. I am trying to be proactive and make what savings I have last until my work in the XXXX resumes. 

I wanted to inform you this servicer May not know all the details regarding XXXX XXXX loans and hopefully you can reach out to them and make some clarification for them. 

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

TransUnion has a wrong name XXXX XXXX XXXX listed and several collection items which are listed which are unknown. I have requested several times these things be removed and nothing has transpired. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, XXXX  has said they could not provide a free credit report at this time. Equifax wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, XXXX  and Equifax are trying to complicate or circumvent the free credit report requirement.
Product: Credit reporting or other personal consumer reports

I AM UNABLE TO GET MY REPORT FROM THE CREDIT REPORTING AGENCIES. PLEASE TO UPDATE MY ADDRESS AND ENSURE THAT MY NAME IS AS LISTED ON MY IDENTIFICATION CARD AND REMOVE ALL OTHER VERSIONS OF MY NAME AND ADDRESSES THAT DOES NOT BELONG TO ME MY ADDRESS IS : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit card company stating that my score had decreased due to an account reporting a write-off in my name to the credit bureaus. I completed the dispute process since I had no knowledge of opening an XXXX XXXX credit card. I received the results of the investigation done by Experian and no changes have been made and additionally stated that the information is correct.
Product: Credit card or prepaid card

Credit card opened in my name but I didn't open an account
Product: Debt collection

I never received a bill initially and i was called by debt collector that i owe a certain amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX Email : XXXX XXXX
Product: Debt collection

Attn : yopuI have a XXXX XXXX bill that I have been trying to dsipute for the last 3 years. The credit bureau are saying the info from XXXX is accurate and updated. The bill does not belong to me whatsoever. Please address the matter with the reporting agency XXXX, XXXX  and XXXX. They are making it so difficult for me to move along with this debt. That does not belong to me. I just recieved dispute letter back from XXXX XX/XX/2018 It states the account has been verfiered as accurate.Outcome ) Updated??

Thank You
Product: Money transfer, virtual currency, or money service

schwab bank online schwab.com unavailable XX/XX/year> all morning. and not answering the phones. unable to access/move money. unacceptable.