23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I AM VICTIM OF AN IDENTITY THEFT, THE THIEF HAS OPENED A CRAUDULENT CREDIT CARD WITH STATE FARM BANK USING MY PERSONAL INFORMATION, THE CHARGES ARE FRAUDULENT, THE CREDIT CARD IS FRAUDULENT. I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX  AND TO STTE FARM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the codes that the credit bureaus have violated ( XXXX, TransUnion, and XXXX ). 
Being sued XX/XX/2023 : XXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX by 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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e ( a ) ( 5 ) Section states that 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

s CFPB complaint has been filed to request under pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

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.

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : DP OF EDUC Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX XXXX. 
XXXX XXXX XXXX, # XXXX XXXX, NY XXXX XX/XX/2022 Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Consumer Complaint RE : Mortgagor : XXXX XXXX XXXX XXXX XXXX XXXX : Fay Servicing LLC Property : XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX  Loan Number : XXXX To whom it may concern : Please accept this letter as a formal complaint with your agency against the mortgagee service company, Fay Servicing LLC relative to the captioned matter. XXXX XXXX is employed in an occupation deemed a Covid 19 first responder and is currently recovering from Covid 19. As such, and since time is of the essence, she has asked that I represent her in filing this complaint on her behalf. A copy of her notarized affidavit of authority to act is attached. 
XXXX XXXX has owned the property in question for the past 25 years. She is a single parent with a single household income which she provides for her two children. The last 10 years have been a struggle for her as both of her children were put through college and the youngest is now in medical school ; being in need of housing, food and transportation ; assistance of which she has been providing. Within that period of time her oldest child had to return home for assistance temporarily as well. As can be expected, XXXX XXXX has had a difficult time making her mortgage payments. 
XXXX XXXX was assured by Fay Servicing that they would work with her to help her through these difficulties. On XX/XX/2022, XXXX XXXX filed a formal hardship assistance request with Fay Servicing to renegotiate the financing with an agreement to pay double the current mortgage payment in order to address the mortgage arrears. Included in the hardship affidavit was her household expense and debt sheet which shows no real unreasonable indebtedness. She was still making payments. 
Not only did Fay Servicing reject her hardship application without adequate explanation but also returned her mortgage payments. It is clear that they had no intention of working with XXXX XXXX to help her through this crisis but began immediate foreclosure preparations, the expenses of which are charged to the indebtedness. Fay Servicing in their advertisements to their customers say in bold print, We Will Work With You. In fact, they are continuing to go forward with the foreclosure and XXXX XXXX has no power to stop a foreclosure of her home that she has lived in for 25 years and would like to remain. 
We are asking this agency to investigate the handling of this mortgage by Fay Servicing. All XXXX XXXX would like is to move this matter to a resolution so that she can keep her home. The current foreclosure fees and penalties added to the amount due is XXXX on a mortgage where the balance on the mortgage is XXXX. We have learned that the value of properties in the surrounding area has increased and believe that Fay Servicing just wants to unburden itself with the mortgage at the expense of the owner. We appreciate in advance your review and involvement. 
Sincerely, XXXX XXXX XXXX. 

cc : XXXX XXXX Fay Servicing LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, ILL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian requires information that I can not provide to complete a credit freeze. I am the consumer trying to freeze MY OWN credit and it will not let me. With the amount of information that they have on me WITHOUT MY WANTING THEM TO, I should not have trouble freezing my own credit through them. I have tried calling but they just hang up time and time again. 

This is unacceptable, and I can not do anything about it. If I could make it so they could not have any of my data I would, but I do n't have that power. I am powerless to them, and that is not how things should be.
Product: Credit reporting or other personal consumer reports

my social security number was compromised. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report on XX/XX/2023. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize from XXXX XXXX, XXXX, and XXXX XXXX. Also, addresses and phone numbers are incorrect on my credit report
Product: Credit reporting or other personal consumer reports

Ive already made my complaint about on unauthorized inquiry with the ftc I have not received a response and would like to get this issue solved it has been effecting my credit score for sometime now
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
Immediate notification to all major credit bureaus ( Equifax, Experian, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Checking or savings account

We called KeyBank to send proof of pmt since XX/XX/XXXX and i never receive email response. Several attempt after and never successful, XX/XX/XXXX we escalated case with XXXX XXXX and hung the line on us. We have asked today for a supervisor and XXXX employee XXXX to escalate this email request, and he just said there is no estimate turnaround time. We always have conflicting information with this Fraud department and never get anywhere since then. XXXX from XXXX at XXXX XXXX is helping me resolve this and Keybank are not helpful to us. 

Please provide a Spanish agent on this to communicate with me. 

thanks, please advise on this case.
Product: Money transfer, virtual currency, or money service

There are a few things I noticed on my credit report that I do not believe to be accurate. One is that I have several accounts with sums of money invested between crypto, real estate, commodities, and it shows no additional information in the report. Another is that there is a derogatory bill in the amount of XXXX $ that is harming my credit but was payed off?
Product: Credit card or prepaid card

I signed up for paperless billing this week. Today I received an email from Bank of America saying my payment on the XXXX XXXX credit card of {$38.00} was due by XX/XX/2020. I knew I owed more than that so I checked my account online. Sure enough, I owed {$5200.00} this month. The {$38.00} payment was the minimum payment due BUT the email did not say that. I find this absolutely appalling and I know this is how companies keep people on the hook by charging interest each month on the ever growing balance. This is usery and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used the credit services provided by XXXX to run his XXXX credit report. 

He was in collections for {$320.00} to XXXX XXXX XXXX, account number ending in XXXX. 

The account was opened on XX/XX/2019, according to the XXXX credit report. 

XXXX hasn't given anyone the go-ahead to exploit his information, and nobody ought to have access to it either. 

XXXX is a victim to Identity
Product: Credit reporting or other personal consumer reports

I assuming a few months back, some used my identity to try and obtain credit with Amazon. SYNCB/Amazon bank .As per my credit report this happened on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Mortgage

I have held a mortgage against my house since XXXX 1994. I have NEVER been late. 
A payment was scheduled for XXXX, but apparently it did not go through. I do not understand, and was unaware that the payment did not go through until I began to receive letters from Citibank/Citimortgage that they had notified the credit bureau 's that I was in default. I called the bank, and informed them that I would schedule a payment with my bank immediately. The rep wanted me to send it over my phone, I refused, he kept right on trying to get me to send a payment over my phone. In addition, he tried to put words in my mouth stating that I had forgot. I did NOT forget to sent the payment. I am a XXXX year old XXXX female veteran. Was he making fun of me? I tried to get customer service to allow me to view my account online, but was told that I had not linked my mortgage to whatever. I have not been able to view my account online for over 3 years despite all I do with citibank to make this happen. I only have XXXX mortgage, only XXXX product with citibank, so I do not know what this person was talking about. I was sold to citibank. I did not choose them. The XXXX payment was received on XXXX XXXX.
Product: Debt collection

I am a victim of identity theft. 

I received a debt collection letter from Transworld Systems Inc. dated XX/XX/2024. 
It stated I owed {$680.00} to XXXX XXXX. I am in the process of disputing this claim. 

During my review of my credit report, Transworld Systems Inc. placed a Potentially Negative charge on my credit report. The amount owed is {$480.00}. I was informed that this amount was owed to XXXX XXXX XXXX. 

At no time did I receive any communication from Transworld Systems Inc. regarding this debt, which is not mine. The charge was placed this on my credit report without any notice and without the opportunity to dispute this charge.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the XXXX data breach. The following accounts, and inquiries XXXX XXXX XXXX Balance {$1100.00} XX/XX/XXXXXXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$1000.00}XX/XX/XXXXXXXX Balance {$2400.00} XXXX XXXX Balance {$4800.00} XX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

I had a XXXX dollar CD from Goldman Sachs that took almost a month to collect after closing. I placed over 40 phone calls and heard every excuse. Rates fell while Marcus used a quarter of a million interest free for almost 4 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
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
Product: Consumer Loan

I applied for a solar loan through GreenSky in the amount of {$40000.00}. I was not approved for the amount applied for. The amount I was approved for was {$15000.00}. I did not accept this amount and canceled out of the online loan application. I was never contacted for approval on the different amount. I then received loan documents with an account created in the amount that I did not authorize.
Product: Credit reporting or other personal consumer reports

incorrect credit reporting and not conducting proper investigations on debt collection agencies
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
Product: Credit card or prepaid card

XX/XX/XXXX. XXXX and XXXX was a time of hardship as I was a student in the process of getting my XXXX XXXX XXXX license in the midst of starting my new career to be stable and so I couldnt do the payments on time as I was unpaid as a student in school then becoming employed. Ive had an account with XXXX since XX/XX/XXXX and have been on time since those two months and it is critical that I bring my account to great standings now that I can.
Product: Credit card

i applied for a TD bank credit card. was promised a {$200.00} sign on bonus if i spent {$1500.00} in the first 90 days. i did my part. the bank is not giving me the {$200.00} they promised
Product: Checking or savings account

XX/XX/22 and XX/XX/22 PNC Bank {$2500.00} in unauthorized charges total from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX {$70.00} XXXX {$60.00} XXXX {$20.00} XXXX {$100.00} Charges disputed ; funds returned to acct on XX/XX/22 and XX/XX/22 in total. Letter received from PNC via USPS mail on XX/XX/22 that dispute was DENIED and funds would be removed from account in 5 days. Funds removed in total on XX/XX/22 leaving acct NEGATIVE and entire paycheck gone. Next paycheck GONE as well to cover negative balance. Attempted MULTIPLE times to contact PNC week of XX/XX/22 with response finally on XX/XX/22 stating that no fraudulent activity was found as the charges came from account matching my name and account number. Nothing could be done. Sorry maam. So much for fraud protection. PNC ALLOWED ME TO BE XXXX