23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts Are Not mine, I never authorized those Accounts to be opened. -XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) -XXXX  ( XXXX XXXX XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Consumer Portfolio Services ( CPS ) for unauthorized contact and privacy breaches. Despite multiple requests to CPS account managers to refrain from such actions, on XX/XX/2023, my new account manager contacted individuals who are not listed as my references. This contact includes past co-workers, previous employees, and even children.

These actions have not only breached my privacy but also appear to be an attempt to shame and discredit me, potentially impacting my employment opportunities and legal standing due to my debt situation.

This behavior by CPS is a severe violation of ethical standards and privacy rights. I have maintained open communication through email with CPS, yet they have chosen to disregard my requests and continue with these invasive practices. I believe this to be a deliberate strategy to use my personal information against me.

I urge the CFPB to investigate these practices by CPS and take appropriate action to prevent further privacy violations and harassment.

Thank you for your attention to this serious matter.
Product: Mortgage

In XXXX, we found out that we have a crumbling foundation and notified the bank/mortgage company ( i.e. Bank of America ) with the hope that they would help us in the process. We stopped payment because we were not going to be able to afford fixing the foundation and make mortgage payments. 

We applied for a modification in early XXXX. During that time period of complete shut down from the pandemic, it took XXXX  months to hear back from the bank while interest accrued. We were offered a trial payment modification program and made the 3 payments on time. I lost my job in XXXX and left another job due to unsafe conditions in XXXX. My unemployment was held up for 3-4 months and my husband 's hours were reduced. We were not able to make the XXXX payment to complete the modification program which then expired. 

We reapplied for a modification in XX/XX/XXXX, this application was received and confirmed by BOA. I followed up several times during the 6 months but that application disappeared. After many calls talking with different people, we applied for a third time in XXXX XXXX. Again, it took over 6 months to hear back from the bank. They offered $ XXXX over a 14 year period starting in XXXX. This would not be sustainable based on our annual household income. 

We contacted the Connecticut Housing Authority and spoke with XXXX XXXX who got in touch with XXXX XXXX, customer service, from BOA. They were going to appeal this decision and advised us not to make the payment until XX/XX/XXXX. XXXX said that we could make the payment over the phone and when we tried, we were told that we could only mail it because our account is in suspension. I would have sent it overnight but there is only a po box so I had to mail it.

BOA called and informed us that the payment was late and that the trial is null and void. I explained to the woman on the phone that we were advised by their own person and the HUD representative to mail on XX/XX/XXXX and that the postmark before XX/XX/XXXX was ok. 

Over the past few years, we have attempted to make payments online, over the phone or in person at a BOA branch, but the bank will not allow us to do this as interest continues to accrue. We are in a never ending circle, talking with different representatives who have different answers and suggestions along the way. We just wanted to get back to making our payments and we have continually been blocked. This is insane. 

To top this off, we are scheduled to get our house lifted and fixed starting XX/XX/XXXX and BOA is not working with us. We'll need to spend an additional $ XXXX to complete the repairs and we don't even know what the bank is going to do. 

Help us please.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have exausted every avenue possible in obtaining my report and data that CHEXSYSTEMS is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a 100 % XXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.
Product: Debt collection

A debt collection agency, Commercial Trade Inc, XXXX XXXX XXXX, XXXX CA, XXXX sent a letter addressed to my name but to my employers address. 

In addition to my name it also was addressed to the name of the agency I work for and a general location. As I work for a government agency employing thousands of people, the address was a general location ( not specifically addressed ) and all mail is screened for threats, etc the debt was disclosed to a number of people before it was delivered to me. Including my direct chain of command. 

This company has never attempted to contact me before and I do not know what this debt is. 

They should know better than to address a letter to a government agency. Not only that but by including just the agency name and a building the agency occupies ( XXXX of dozens ) there was no reasonable guarantee this letter would not be opened by anyone other than me. 

Also yo do this as a first ( and seemingly only ) attempt to contact me is ridiculous.
Product: Credit reporting or other personal consumer reports

I noticed accounts on my credit report that are part of unresolved litigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Debt collection

Block the identity theft-related information from my credit report as mandated by FCRA Section 605B . Immediate action is demanded to comply with the law, and notifications to all information furnishers must be sent promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1.a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$21000.00}, 2. a personal Revolving account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$640.00}, 3. a personal Revolving account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$380.00} under the account number XXXX, 4. a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3400.00} under account number XXXX. These accounts have resulted in several fraudulent hard inquiries, fraudulent collections, fraudulent charge offs and fraudulent closed negative accounts 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. Also fraudulent addresses reporting on my consumer report are XXXX XXXX XXXX XXXX XXXX, WA XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX. Fraudulent Phone number XXXX and fraudulent work smart wireless and XXXX XXXX XXXX XXXX. And Fraudulent inquires 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XX/XX/XXXX Phone ( XXXX ) XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX, XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 # XXXX 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 want to make it absolutely clear that I did not authorize or open this account in any way. The activity associated with this account was fraudulent, and it is a clear case of identity theft. I have already taken steps to protect my identity, including filing a report with the Federal Trade Commission ( FTC ), and I am in the process of addressing this situation with law enforcement as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i.

which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingany evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

The XXXX. XXXX, XXXX {$820.00} I dont recognize this company. Also, I have for derogatory checks on my credit all on the same date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all come from one car dealership that said they would not run a credit check on me now is having 4 derogatory checks on my report and XXXX XXXX XXXX
Product: Checking or savings account

My MERRILL EDGE checking account was flagged and they would only accept certain forms of ID with my current address so I came back to them a couple months later with those exact forms of identification they asked for. I was told to wait 1-2 days and now Im being told 4-5 days. This was already after submitting credit card statements, bank statements and still they would not verify my funds. They want to hold my money and are not releasing it. I asked them if they could close the account and just mail a check and the answer was NO. I asked if they could send me some type of confirmation email letting me know how many days it would be for my funds to be released since I submitted the documents, and the lady on the phone said theres no way she can send an email. They have already verified my address, text to the phone number I have on file, and so much more. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

HAD THE TARGET RED CARD FOR A WHILE NEVER GOT A CREDIT INCREASE AND TARGET SAYS I CANT REQUEST AN INCREASE THEY HAVE TO OFFER IT TO ME
Product: Credit card or prepaid card

PENTAGON FEDERAL CREDIT UNION Fraudulent contract via Account # XXXX ( From XXXX ) Balance as of XX/XX/XXXX - {$12000.00} The referenced account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 


CONSUMER PROTECTION LAWS VIOLATION : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ).

Constructive Fraud, as well as actual fraud, maybe the bases of cancellation of an instrument. ( El Paso Natural Gas Co. v Kysar Insurance Co., 605 Pacific 2d. 240 ( 1979 ) ).

A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ) - Federal Reserve Notes/Paper Money.

A debt is not paid by the giving of a note ( Nolan Co. v Maryland Causality, 38f. Supp. 479 ) Additional Violations : 15 U.S. Code 1692d ( 1 ) - For destroying my reputation.

18 U.S. Code 112 - Threatening/ attacking the liberty of an internationally protected person/ XXXX XXXX XXXX XXXX XXXX  ( 8 USC 1101 ( 21 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i just got my social security number on XX/XX/XXXX and i put it in XXXX XXXX and all the info that shows up is from someone else. She's been using the social for XXXX years. I can't open a checking account because the background is someone else 's information.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan from Up Grade, Inc. i paid it off 3 years early and closed account last year, yet they continue to falsely report i have a open account with a massive balance all FALSE AND FRAUD, today when i spoke to a service XXXX she admitted they are trained to mislead, delay, make false statements, as if customers like me pay off early the company loses % % % funds. 

She admitted they have been lying and filing false information to all the credit reporting agencies. I have complained to them several times and was told i need to file with your agency
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from Sync B/Lowes on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.
Product: Debt collection

This is the third time I have had to dispute the account that was illegally re-aged MIDLAND CREDIT MANAGEMENT # XXXX and place on my credit file. I have filed a FTC ID theft report and a CFPB compliant. I have never done any business with MIDLAND CREDIT MANAGEMENT. Please remove this account at once. I have no problem with filing a LAW Suit against MIDLAND CREDIT MANAGEMENT.
Product: Debt collection

I had several calls from a company acting like the real AFNI Collector 's agency that XXXX XXXX XXXX uses when people don't pay their bill. I called the real number for AFNI provided by XXXX XXXX XXXX and they said for several days now that their system is down. The letterhead I'm receiving is from a fake AFNI collector 's company. I noticed they have a different XXXX XXXX number and a different contact number on the form that XXXX XXXX XXXX has provided me with. The hackers or thieves trying to get money from people are sending out what looks like real bills collecting funds owed to XXXX XXXX XXXX. These are fake bills that they are posing to be the real AFNI COMPANY. AFNI does work with XXXX XXXX XXXX to collect fees not paid on a timely manner. If you don't pay the fake company for AFNI - they somehow put the amount of XXXX on my credit reports. Very serious fraudulent activity going on here. Please help by passing this on. I had done my own research to find all this out! I hope this helps someone out there. DO NOT PAY this if you know it's not your responsibility.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX : fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX response to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster.

2. The XXXX XXXX XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. 

I have contacted XXXX and submitted additional support documentation using XXXX, which involves a Report XXXX of XXXX, but I am unable to get a confirmation of the submission on my account home page. 

For XXXX, I noticed 2 Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed.

For Transunion, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. 

Enclosed are the following Supporting Documents : A copy of the Police Report.

A copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ).

A copy of the FTC Identity Theft Report.

A copy of the Identity Theft letter.

The credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.
Product: Checking or savings account

Capital One late on direct deposit with little transparency. Have bills due
Product: Checking or savings account

On XX/XX/2024 I received an email welcoming me to the bank. I had not opened the account so I immediately contacted Wells Fargo to close the account. I was to be mailed a fraud packet to have the account closed. Nearly XXXX weeks later I am now getting emails regarding fees the account will accrue as if it wasnt closed at all. It should not be difficult to close a fraudulent account that was opened online. I call on breaks from work, yet the excessive hold time and constant transfers prevent me from calling during work hours
Product: Debt collection

Received notice of a small claims lawsuit filed by XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX, WI on behalf of XXXX XXXX XXXX, LLC without any prior communication, alleging they made a previous demand for payment and repeatedly sent monthly statements, and that I did not object creating an account stated between them and me despite me owning no debt and them having no contract or evidence of a debt.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX XXXX XXXX for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.