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

I am a victim of identity theft. My personal information was used without my authorization to open an account that has been reported in my ChexSystems file. 

The account in question is : Bank Name : [ XXXX XXXX XXXX XXXX ] Reported Account Number ( if available ) : [ XXXX ] Date Reported : [ XX/XX/year> ] I did not open or authorize this account, and I have no knowledge of the transactions associated with it. I am formally disputing this information in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and requesting that ChexSystems investigate the matter and remove the fraudulent information from my consumer file. 

I have attached supporting documentation, including an FTC Identity Theft Report, as required under FCRA Section 605B, which allows victims of identity theft to block fraudulent information from their consumer reports.
Product: Mortgage

I had a catastrophic illness that permanently XXXX me. I lost my job and the bank said they would foreclose on my house in XXXX days. My daughter and I were both on the loan for the house as co-owners. This was our first home. Then we, XXXX at a time we declared bankruptcies and left the home. Never giving us a reason why PNC bank kept delaying the foreclosure for over XXXX years. Then in XXXX we were jointly sued in small claims for the HOA fees of XXXX of the HOA 's. The third HOA was the monthly fees and they filed a lien against the house. We do n't know if they recieved their fees from the final sale of the home on XXXX/XXXX/2014 when the title was finally transferred. We tried for years to get them to do a deed in lieu sign off but they would not do that. The Judge-XXXX at the small claims case, would barely hear our testimony and of course judged in their favor. The HOA did not bring ANY documents to prove the amounts of charged services. The judge said we should trust this lady to send us copies of all the amounts charged since the judge saw her all the time and knows she is reliable. We still have not received a thing and it 's been three weeks. Now the Small Claims court says we owe thousands of dollars on a house for HOA fees on a house that we were told to leave by the bank. We did leave. We would like to to know if this is legal what they did. Can we sue PNC for not foreclosing for over XXXX years because they did n't want to pay the HOA FEES? Should we appeal the small claim judgement?
Product: Debt collection

I have formally requested by certified mail that Midland Credit Management provide me with validation of the two account # XXXX and # XXXX They have listed the same account twice and are reporting them to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided me any validation.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX  I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated XXXX period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I am being charged late payments during COVID forbearance period, It has been documented that XXXX XXXX  committed fraud by misleading students such as myself. I have disputed the account on my credit report which carries a balance of {$15000.00} and 28 late payments as of XXXX XXXX. 
After a review of voluminous amounts of evidence, the Department found that from XXXX to XXXX XXXX repeatedly misled prospective students across the country with claims that 90 percent of XXXX graduates who actively seek employment obtained jobs in their field of study within six months of graduation. This claim was the foundation of a national advertising campaign called, XXXX XXXX XXXX XXXX  to brand XXXX  as a XXXX XXXX XXXX where it used the 90  percent placement statistic as the way to convince prospective students to enroll. 

In fact, the institutions actual job placement rate was around 58 percent. The Department found that more than half of the jobs included in the claimed 90 percent placement rate were held by students who obtained them well before graduating from XXXX and often before they even enrolled. These jobs were not attributable to a XXXX education and their inclusion was contrary to the plain language of the 90 percent claim. Moreover, XXXX excluded from its calculation large numbers of graduates who were in fact actively looking for work simply because they did not conduct a search in the manner that the XXXX XXXX XXXX department preferred. 

The Department also found that senior XXXX officials knew of the problems with the 90 percent statistic for years, in part due to concerns about its accuracy raised by alumni. 

In XXXX, the FTC reached a {$100.00} XXXX settlement with XXXX around similar allegations. The Department also reached a settlement with XXXX related to older job placement rate statistics in XXXX. The attorneys general of New York and Massachusetts also reached agreements with XXXX in XXXX to resolve allegations of misleading job placement rates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXXXXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX XXXX  ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXXXXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXXXXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Debt collection

On XXXX XXXX I mailed by certified U.S. Postal Mail a response and evidence supporting my defense to Hunt & Henriques Attorney at Law, my response to H & H is in response to H & H response the CFPB on XXXX XXXX I will only attach my response letter to the CFPB website. According to the post office H & H should receive my certified response and evidence within two business day as of today XX/XX/2020 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 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX a personal XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a XXXX XXXX XXXX account opened at XXXX XXXX XXXX XXXXXXXX reporting under XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX on XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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. The aforementioned accounts, collections, and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

My personal financial information was compromised as a result of the recent Equifax data breach. 

Equifax 's public response and offer of remediation is wholly insufficient. Given that my SSN was stolen, a number that will stay with me my entire life, a year of free credit monitoring is not enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby file this CFPB Complaint regarding a fraudulent entry on my credit report, which has surfaced recently. I did not authorize or participate in this entry, and it has significantly damaged my credit score, causing severe financial harm. Although I have made considerable efforts to challenge this fraudulent account with both the credit reporting agency and the creditor involved, their response has been unsatisfactory. Despite providing compelling documentation and evidence of the fraudulent activity, this account remains on my credit report, inflicting ongoing damage on my credit score. I am convinced that the fraudulent account resulted from identity theft, and I am deeply concerned about its potential long-term consequences on my financial well-being. I, therefore, formally request that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that this fraudulent account is expunged from my credit report, and my credit score is restored to its previous level. Specifically, I insist that the following account be removed from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00}. The fraudulent account on my credit report comprises a credit account that I did not open, as well as various charges and loans that I neither initiated nor received. Its total amount is significant, and its impact on my credit score has been negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX XXXX that has {$1000.00} credit limit and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed information on my credit report with Experian. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, Experian is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with XXXX XXXX XXXX, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. Experian violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. Experian recently verified this account as being accurate. But how is that? I recently wrote XXXX last month and I have not heard from them ( 30 days ) 2 ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XX/XX/XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XX/XX/XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, Experian has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  Account XXXX XXXX / XXXXXXXX XXXX XXXX / XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, and account # XXXX has violated my rights. 

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 12 CFR Part 1006 Fair Debt Collection 1006.2 Definitions ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed.

The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Product: Student loan

I have several loans administered by EdFinancial. This includes direct federal loans ( accounts beginning with an " F '' ) and commercial loans ( accounts beginning with a " C '' ). In XXXX of this year I applied for federal direct consolidation of 2 of my commercials loans. This consolidation has been mishandled twice. While they fixed their first mistake, they refuse to fix their second mistake. The consolidation that I applied for consolidation of two of my commercial loans with balances of {$4700.00} and {$4500.00} respectively, with interest rates at 6.8 % ( the new consolidated direct loan was to have a balance of {$9300.00} with a 6.8 % interest rate ). I had several additional commercial loans that were not involved in the consolidation. The consolidation was approved on XX/XX/2022. 

The first mistake that EdFinancial made was that, when disbursing the payoff amount on the commercial loans, they distributed the money across all of my commercial loans, instead of the two loans that were to be consolidated. After several days of prodding, they finally admitted their mistake and re-disbursed the funds correctly. At this point, everything was OK. But, several weeks later ( XX/XX/2022 ), an additional {$2100.00} payment was mysteriously made on my remaining commercial loans ( those that were not included in the consolidation ). This balance was then added onto my consolidated federal loan bringing its balance to {$11000.00}. 

I never consented to additional loan consolidation beyond the {$9300.00} that I agreed to in my application. Moreover, a portion of the {$2100.00} in commercial loan principal that they moved from my commercial loans onto my direct consolidation loan had a lower interest rate of 6.0 %. By moving this principal to my direct consolidated loan, they effectively raised the interest rate on that portion of the principal by 0.8 %. 

The only correct response would be for them to remove this {$2100.00} from the consolidation loan ( as it was never part of the consolidation ) and to re-distribute it back onto the commercial loans where it belongs. However, I brought this up to the company and they opened an investigation, but later closed the investigation after about a month without informing me and without fixing this problem.