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

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative inquiries on my TransUnion report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not contact these companies for the following dates that have been listed. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED INQUIRIES REPORTED ON MY CREDIT REPORT. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEVER AUTHORIZED SUCH ACTION, AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION OF MY RIGHTS TO PRIVACY.
Product: Mortgage

I have been paying mortgage payments for my XXXX XXXX prefab home in a trailer park, to Green Tree since XXXX which is a 25 yr loan at 12.9 %. 
XXXX XXXX I became XXXX with XXXX XXXX which has made it difficult at times to make payments on time. After many phone calls from XXXX, with threats they will short sale my home, I have borrowed from family members. I asked how much the payoff is and was told {$29000.00}. On a {$39000.00} loan! How can that be when paying all these years I asked and was told with interest, fees and other charges. I could n't get straight answer. I stated my monthly statement does not show anything like that. Also was making normal monthly payments that includes home insurance only to get letter from Green Tree and Insurance Co. stating I was XXXX months behind in insurance premiums. I am so ill this stress is exasperating my illness. I have begged them for help and nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I trust this message finds you well. I've recently identified unauthorized inquiries on my credit report for accounts I never applied for. Notably, I haven't held a driver 's license for 5 years, making any vehicle-related inquiries inaccurate. I kindly request your prompt removal of these unauthorized inquiries. While I understand the importance of accurate reporting, these inquiries do not align with my current financial circumstances.
Product: Student loan

I asked Sallie Mae to send me all payment information on all previously made payments on a loan Im co-signed on. For a month they have been telling me they would send me the information and they havent. They said I would receive it by email and I havent. They said they mailed it two weeks ago and I havent received it.
Product: Credit card or prepaid card

XXXX XXXX, XXXX XXXX XXXX, contacted BBVA Compass after husband XXXX XXXX XXXX, that the bills coming were for a credit card issued to XXXX, not XXXX. The original paperwork shows the card belonged to XXXX. No charges had been made to the card in the years prior to XXXX 's XXXX. He was simply paying off the card. The result appears to have been that BBVA Compass added XXXX 's name to the card without asking permission. In turn, XXXX has been paying the bills as they come in, now paying over {$5000.00} on a {$4000.00} balance. Assistance is requested to please ask the BBVA Compass to retire this debt and correct their records showing the card is not XXXX XXXX
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 Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX BALANCED {$2500.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$770.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$1800.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX XXXX XXXX BALANCED {$620.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX BALANCED {$3000.00} XXXX  XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX BALANCED {$850.00} These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud.
Product: Credit card

Hello, Please reference my previous CFPB complaint. I applied for a CHASE sapphire card back in XXXX. My credit was pulled but my application was pended for XXXX verification. 

We still don't know why it pended for XXXX verification considering all demos were entered correctly on the application and CHASE had a copy of my credit file, and has an existing relationship with me. 

Nevertheless, I mailed in a copy of my drivers license. I received another decline letter stating my drivers license ( which I know was most definitely legible when I mailed it ) was unable to be read. So I went to a branch and they scanned and e-mailed the driver 's license. I then got a second denial letter stating the application was determined to be fraud. So then we called application services, who found the e-mailed drivers license, and had to send it off to another department. And, again, we were declined for fraud. SO FOR THE XXXX ATTEMPT, we called application services, escalated the call, they sent a link to upload my SS card and drivers license, I sent them in, and after almost a month of going back and forth, we got ANOTHER decline letter, this time for having received a CHASE Sapphire intro bonus in the past 48 months. 

So to recap : XXXX ) CHASE pulled my credit ; XXXX ) CHASE gave me the run around for almost 30 days with identification/USPA verification XXXX and then finally XXXX ) Ultimately declined my application for having received an intro bonus in the last 48 months. 

My husband also applied at the same time, and was also declined for having the intro bonus in the last 48 months, but his credit was never pulled and he wasn't given the run around. 

This is clearly a regulatory violation. Either Reg B/ECOA, or at a minimum a huge UDAAP violation. 

We're contemplating legal action for this monstrosity of a blunder. 

Reference number for the application is XXXX.
Product: Mortgage

I closed on my home last year on a existing property kin XX/XX/2022. The mortgage payment was approved for {$1500.00}. My mortgage has been sold three times and is was with originally Rocket Mortgage, then XXXX, now XXXX. XXXX XXXX is increasing my mortgage payment now t {$2700.00} that is XXXX difference in monthly payment. The taxes were incorrectly calculated with the original lender and not in good faith. I dont even know where they got the calculation of taxes but it was far more than what they stated which now i am in a situation that is messing up my mortgage monthly payment. XXXX XXXX  has approved me to stretch it for three years to pay back but it reduces my monthly payment to XXXX this still increases my mortgage payment to over XXXX dollars i do not have. I need rocket mortgage to be penalized for fraudulant actions and adjusting the loan just so i can be approved but not taking into the account the real amount i qualified for would not been practical with my XXXX. Now i am in a situation that is not good for me nor my XXXX children.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent out a dispute letter to XXXX regarding improper use of my personal information by a third party company. A company by the name of XXXX XXXX XXXX misusing my information stating that I owe a debt that I am unaware of. This has affected my credit in a major way & I have requested them to remove this information from my credit profile but it still remains.

According to15 U.S code S 6802, it is illegal for banks & institutes to report any data to third party companies without proper consent. Please have this information removed from my credit report.
Product: Money transfer, virtual currency, or money service

XXXX of last year my rent money order was stolen from the apt manager 's office where I live. A police report was filed. A fraud and forged complaint was filed with Western Union. On XX/XX/XXXX I spoke with the bank that cashed the stolen money order, XXXX XXXX XXXX XXXX XXXX is assigned this case, and they would like to make resolve this issue with me and issue a refund for the stolen funds. This dialogue was opened because of my XX/XX/XXXX complaint with Consumer Financial Protection Bureau. I spoke with Ms XXXX on XX/XX/XXXX and she advised me that she attempted to get the claim information from Western Union but was transferred around and each contact she had was unable to assist her so she called me for help. I called Western Union on XX/XX/XXXX and gave the customer service rep Ms XXXX XXXX   full name, phone number, fax number and advised that she represents XXXX XXXX   and would like to resolve this issue of the stolen funds for me. I was placed on hold and the customer service rep came back on and said that she would make sure the claim was forwarded to Ms XXXX. On XX/XX/XXXX Ms XXXX called me and said she had not received the claim or any information from Western Union. I received a letter today from Western Union saying that my claim was denied by XXXX XXXX and that they are sorry but must comply with banking regulations. Western Union is the problem here. I have assurance, in writing, the same received by you on complaint XXXX, that XXXX XXXX  is more than willing to resolve this defraud that happened to me. Western Union refused to send the claim and associated information to XXXX XXXX contact XXXX XXXX as requested by her and by me. To add insult to injury, Western Union enclosed a letter from XXXX XXXX that is dated XX/XX/XXXX stating that my request was denied however I have talked and received a letter from XXXX XXXX that says the opposite. Western Union is the cause of why this issue has prolonged for this amount of time. Ms XXXX advised me that XXXX XXXX  had never heard of my fraud/forged complaint regarding this money order that occurred XX/XX/XXXX. I need help getting Western Union to give XXXX XXXX XXXX   XXXX XXXX the information she needs to process the refund they have been trying to administer to me for over a month now. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from XXXX XXXX  is that i need to contact XXXX XXXX  in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a response from Experian CFPB Report number # XXXX On the mentioned report, it states that Experian verified the information as accuarte with the Furnisher. I clearly requested per LAW how you contacted the Furnisher. Time, date and whom you spoke to. I asked for documentation on how you verified this information and Experian failed to provide any information in written to my address. Experian Violated the law.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My situation is, Its hard for me to find a place to live for me and my XXXX girls. Simply because my credit report states that I owe XXXX XXXX Apartments {$3500.00}. The primary reason I decided to leave the property was because they kept giving me the run around about giving my ac. My daughters couldnt even stay with me because it was always XXXX. Plus we lived upstairs. XXXX also was a reason I couldnt pay rent. It was 2020. After Covid I had to figure out what to do because I was no longer at my job DUE to XXXX. plus they didnt wan na fix my AC so i when I told them I wanted out the lease they werent hearing it. Unfortunately I dont have any documents to prove any of this. I wasnt wise enough then I know better now. Now its hard to find a place because its on my credit report. Please help XXXX : XXXX XXXX XXXX
Product: Debt collection

I insist that your bureau undertakes a thorough investigation into this matter and takes immediate action to correct the inaccuracies in reporting. The late payment dates must be updated to accurately reflect the true timeline of my payments, ensuring a fair and transparent representation of my credit history. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
These inaccuracies not only tarnish my credit report but also have real-life implications on my ability to secure credit, loans, and other financial opportunities. I believe in the importance of accurate credit reporting, and I expect your bureau to uphold the highest standards in this regard. I request that you provide me with a written response detailing the steps taken to investigate and correct the inaccuracies on my credit report. Additionally, I urge your bureau to expedite the update of my credit report to reflect the accurate payment history without any further delay.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to update my credit file to maximum accuracy. In the month of XX/XX/year>, I received my credit file and discovered many inaccuracies, which is concerning and has made it difficult to extend credit in my name. I would like to start with addresses I have not lived at and variations of my name. 
I have XXXX name : XXXX XXXX Please update to report this name only in my credit file. 
Also I recieve mail at XXXX residence, sending correspondendce any where else may result in more identity theft because I do not have access to XXXX mail at any other address than : XXXX XXXX XXXX XXXX TX XXXX. Please update this and send me my credit file to confirm changes have been made. 

Please see attachments for supportive document.
Product: Student loan

While I was attending school I called XXXX on XXXX different occasions to ask if what I was doing was correct and would count towards my loans. I was told YES, deferment AND {$0.00} payments due to hardship would count. While I was in school I deferred because I couldnt afford to make payments. When I called prior to Covid I was told I have around 90 paymentsthat counted, which would have put me at 120 during Covid. 
Come to find out none of this was true. Ive lost 7 years of payments I told would count and now I only have XXXX payments in total. I thought Id be finishing and Im literally at the beginning after flat out being lied to SEVERAL times.