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

This notice is to inform you that you unlawfully reported fraudulent inquiries that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. I demand all the above Fraudulent accounts & Inquiries DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies did not correct my score to where it should have been up in XXXX of XXXX, even though the letter I had sent stated that the school loans was all discharged as far back as XX/XX/XXXX. Also XXXX  took my credit score down another 55 points after the results from my dispute with CFPB. I have notice that they went up 55 points and then they went back down 55 points. This needs to be investigated to see why this is happening, and why my scores don't reflect the discharge letter that I sent in to show how far this corrections should have been completed.
Product: Debt collection

capital one has ignored my requesting of validation of debt i have Cleary stated please provide a wet ink signature with a contract me agreeing to this debt, capital one has only be able to provide mail address, ssn, name for verification under federal law that is not verification of a alleged debt, please see attached documents for further information
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX : {$4600.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX : {$5600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Speedy Cash, who sold a payday loan to Ad Astra, then XXXX XXXX XXXX, then back to Ad Astra, and XXXX again, is still showing an account balance and is reporting a debt for an account that is beyond XXXX years old.
Product: Mortgage

I have made several attempts to contact this company regarding my PMI being cancelled. I meet all requirements, but am receiving letters stating ineligibility. 

I had a problem with their billing several months ago, which took several months for them to work out. To prevent errors in billing, I was told BY LOANCARE to hold payment until they could work it out. They added comments to my account and waived late fees. 

I am eligible to eliminate my PMI based on home value and loan amount, but they are denying it because I show those months without payment. I have never been late, except when THEY told me to hold payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received correspondence from XXXXXXXX XXXX XXXX stating that " [ they ] were unable to locate an account in [ their ] system under [ my ] name. '' This account is not mine and I have not knowledge of it, yet it is still reporting to my credit report.
Product: Debt collection

I was never given any notice of the debt. I was never given anything in writing to tell me anything about who or where the debt was. Nothing was sent to me or certified mail was ever received.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX I began requesting information about my Checking Account from Truist Bank. I requested the transaction confirmation numbers from my XXXX XXXX transactions. 
Truist says they do not have them but XXXX XXXX can provide them. XXXX XXXX is a third party that Truist uses to process their XXXX XXXX transactions. Their official name is XXXX. 
I called XXXX and requested the transaction confirmation numbers for years XXXX. 

XXXX XXXX says they can not find my account number or social securty number. I have been back and forth between Truist and XXXX XXXX for the XXXX of XXXX and have not gotten my requested information. Truist says they can not call XXXX and XXXX says they can not call Truist.
Product: Mortgage

I have been asking wells fargo for over 1 year to answer questions & they refuse to answer. In XX/XX/2005, my XXXX & XXXXyr old now deceased parents were coerced into a 30 yr. refi via 2 telemarketers : XXXX XXXX & XXXX XXXX . My mother suffered from XXXX & my father from XXXX XXXX & were taking prescription medication which causes confusion & worsen XXXX in the elderly. Wells has been paid {$71000.00} on an {$81000.00} 30 yr loan. It was a bad loan doomed to fail. A loan w/unclean hands, equitable estoppel & unconscionability. A criminal violation of CT predatory lending laws. I was quit claimed my parent 's home & paid on the loan for 3yrs. 6mos. until learning of the loan 's inception. That is when I stopped paying & began asking wells fargo questions. Out of desperation & under stress from Wells, I sought a reverse mtg. All the reverse would lend was {$20000.00}. This would have brought the loan total to {$91000.00}. Wells refused the offer. They knew my parents at their advanced ages could not live 1yr let alone 30yrs. & only cared about their commission. The telemarketers never offered my parents mtg protection ins. or another program to suit their needs. They offered a loan to 2 elderly people that would render them into foreclosure or homelessness. I won't pay for a criminal violation.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX XXXX XXXX XXXX and I am facing an issue with Bank of America since XX/XX/2018. 
A friend of mine ( XXXX XXXX XXXX XXXX ) owed me {$520.00} and he planned to send the funds through his XXXX account ( via mobile XXXX app ) back on XX/XX/2018. 
I received a text message from Bank of America on XX/XX/2018 at XXXX XXXX EST saying that the {$520.00} will be credited soon to my account.with the confirmation # XXXX ( screen shot attached ) Since then I have not received even a single penny with respect to this transaction. when i spoke with the Bank of America aka BOFA they said that the ball is not in their court and advised me to go to the chase bank. similarly, when I went to the XXXX XXXX   they recommended me to go to BOFA. 
I suspect that it is on BOFA and they were not able to locate my funds. BOFA told me that as he ( my friend ) sent it through XXXX using my phone number that I should register with XXXX using my phone number. Surprisingly when I tried to register with XXXX through the phone number it says that " I have already been registered using Phone number ''. ( Image attached ) As per the banking rule, the funds go back to the sender after 2 weeks if the transaction is not successful. In my case, the sender have not got back his funds either. ( attached Sender 's bank statements that there has been a deduction of {$520.00} and sender has not received the money back which means the transaction did go through. ) Also i have attached my BOFA statements to depict that I did not get my money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of my XXXX XXXX bankruptcy on my credit report. Recently, I contacted the bankruptcy court and was informed that my bankruptcy case was not ( and never are ) reported to the credit bureaus. Additionally, the bankruptcy court advised me to reach out to the credit bureaus directly to understand how my bankruptcy information was reported and identify the reporting entity. 

Here are the falsely verified accounts on my credit reports that pertain to or were part of the bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In each previous dispute, this information has been falsely verified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to receive validation of these falsely verified accounts. Therefore, I kindly request that you investigate this matter thoroughly and provide the following information : Details of the validation process or procedure used by the credit bureaus to verify account information. 
Identification of the entity that reported this information.
Product: Debt collection

I was in an auto accident and XXXX XXXX  deemed my vehicle totaled. I was subsequently charged for an insurance premium AFTER the decision to total my vehicle was made and sending me a payout. I informed XXXX that I should not be charged for an insurance policy on a vehicle I no longer owned, and I would not be paying for any insurance policies after the accident. They ultimately sent the debt to collections. 

Credit Collection Service ( XXXX XXXX XXXX XXXX, MA XXXX ) is now the owner of that " debt ''. This is showing as a negative report on my credit report with XXXX. After filing a dispute with them they closed the dispute without removing the item from my report. 

I have no intention of paying, or being penalized for payments on a monthly insurance premium that should have been properly cancelled by XXXX. This " debt '' needs to be removed immediately.
Product: Credit card or prepaid card

I have a credit card with Target. Every month they do not report the correct balance. I have paid the account off, but they keep reporting the previous balance XXXX. I have contacted credit bureaus so they can get new balance updates, but Target continues to give them a past statement balance. The credit bureaus ask for the current balance, yet Target continues to give them a past statement balance.
Product: Debt collection

Midland Credit Management Is consistently sending me letters after I have already let them know that I have no knowledge of the debt they are claiming to be mine.I asked them not to contact me and to not report this to my credit report. This is invalid. They also did not respond within a five day period with any validation. I contacted Midland Credit Management on XXXX XXXX for validation. I also contacted them again on XX/XX/2021. Still no documentation. 
According to 15 USC 1692g Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Midland Credit Management sent a letter dated XX/XX/2021 stating that they do not know what I am disputing. Neither do I and this is well over 5 days after initial contact. 

In pursuant to 15 US Code 1692 I have disputed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company JP MORGAN CHASE BANK has closed my previous dispute without an explanation as to why they are reporting ACH Credits and debits to EARLY WARNING SERVICES ( Another offender who has no rights to show my transaction history without my written consent ). Reporting transaction History is Illegal per 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They have violated my rights due to P.L 90-321 ( 82 Stat. 146 ), states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ).

As the previous rep for chase said that my account was CLOSED there for contract void and my personal information should not be used unless its a GOVERNMENT Agency which XXXX XXXX XXXX is not. This violation is considered IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft -- - 12 CFR 1022.

Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft.

I would like the executive of of CHASE that sent me this email that states " We received your complaint to the Consumer Financial Protection Bureau. I am the point of contact for your case number XXXX and will respond to you in writing when our research is complete. Thank you for sharing your concerns '' to follow up in writing after the research is complete as stated in their correspondence before closing this complaint the following questions will need to be answered to the following : 1. Why a closed account is still actively reporting transaction history?

2. Why written communication was not given after research?

3. Evidence that my account was closed on their system in form of ledger?

4. What does 15 U.S. Code 1681b - Permissible purposes of consumer report means?

5. Are they aware of over 20 violations of transaction history has been reported to a non governmental agency- I pulled the Agency 4506a IRS report in regards to government tax exempt status which they have none!
Product: Mortgage

I have been trying to get a lien removed/release from Specialized Loan Servicing. After filing a complaint with CFPB to finally get a response to why XXXX XXXX  was holding title to my primary residence they advised I needed to contact Specialized Loan Servicing. 
I understand that back in the early XXXX 's loans were being sold even before the 1st payment was due. I had 2 loans with XXXX when I purchased the home. I filed BK in XXXX and listed both loans and was discharged. It was brought to my attention that the 2nd lien has not been removed and after submitting a complaint to CFPB I got a response from XXXXXXXX XXXX that advised to contact Specialized Loan Servicing. They will not send anything to me since the systems says I am in a BK even though it has been discharged since XXXX. I have sent several letters to Specialized Loan Servicing but they can't speak about the account.
Product: Student loan

I filed for Bankruptcy last year because of covid and I not being able to pay my bills. I was finally able to get a job, but I am still trying to survive. I asked for a covid forbearance and they will not give me one. I only used one month of the covid forbearance. The other was for me filing bk.
Product: Credit reporting or other personal consumer reports

I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus Experian, XXXX, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
These are the following companies and accounts numbers for Experian : XXXX XXXX  XXXX Balance {$3900.00} -XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX XXXX XXXX {$560.00} -XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$600.00} -XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXX XXXX Balance {$3000.00} -XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX XXXXXXXXxBalance {$12000.00} XXXX XXXX  XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX  XXXX {$3700.00}
Product: Credit reporting

EXPERIAN IS THE REPORTING BUREAU FOR THE US DEPT OF EDUCATION, THE FURNISHER OF ACCOUNT INFORMATION, XXXX ACCOUNT XXXX ... XXXX 
15 U.S.C. SECTION 1681 s-2 explains the furnishers, the credit bureaus, requirement for completeness and accuracy of credit information.If that completeness and accuracy can not be accomplished the bureau is required to delete reporting anything within 30 days. 
If this does not transpire then the person reported on may collect {$1000.00} per incident from the at fault bureau and furnisher. 
NO LESS THAN THE NEW PRESIDENT OF THE UNITED STATES HAS STATED HIS INCLINATION TO ABOLISH THE FURNISHER, ABOLISH THE ENTIRE DEPT OF EDUCATION FOR POOR PERFORMANCE OF THEIR DUTIES TO THE AMERICAN PEOPLE AND TO REPLACE THEM WITH PRIVATE ENTERPRISE. 
THE PRESIDENT HAS A PROGRAM IN PLACE FOR LOAN FORGIVENESS AND MONTHLY PAYMENT CAPS BASED ON ABILITY TO PAY. 
F.OR MUCH OF THE TIME OF MY LOAN I WOULD HAVE QUALIFIED FOR A MUCH LOWER PAYMENT AND NOT HAVE RECEIVED THE CREDIT DINGS BECAUSE OF THIS ... ... .YET MY LOAN IS PAID AND CURRENT UNLIKE 40 PER CENT OF THE EXISTENT LOANS. 
*********MY PAYMENT HISTORY IS MISSING XXXX ( WHEN YOU HAVE A XXXX reported in monthly billing YOU MUST HAVE A PRECEDING XXXX SO ON ... THIS IS INCOMPLETE, INACCURATE REPORTING. ( fcra specific violation ) ***************************************************************************** IT IS IMPORTANT TO SHOW EACH AND EVERY XXXX BECAUSE I PLAN TO FORWARD THIS COMPLAINT AND YOUR RESPONSE TO THIS COMPLAINT TO PRESIDENT TRUMP SO HE CAN BE SURE TO REMOVE YOUR POINTLESS ABILITY TO REPORT LOANS THAT ARE PAID IN FULL BEFORE HE REMOVES YOUR ENTIRE DEPT OF EDUCATION FROM EMPLOYMENT. 
YOUR POINTLESS REPORTING IS DAMAGING TO ME AND SERVES NO PURPOSE WHATSOEVER NOW THAT THE LOAN IS PAID IN FULL ... ... EVEN THOUGH IT WOULD HAVE QUALIFIED FOR PARTIAL FORGIVENESS ... ... .... 
SHOWING MY ACCURATE PAYMENT HISTORY, '' WHICH YOU DO NOT '', WILL ENABLE ME TO SHOW THE PRESIDENT 'S OFFICE HOW, EVEN THOUGH I COULD N'T AFFORD ACCORDING TO TRUMPS RULES, I REPAID MY LOAN. 
you have " no skin in the game '' concerning my loan to report negatively on me and this in the light of my circumstance appears to be contrary to our new Presidents wishes, so do your best to correct or delete my account.