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

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion that I am a victim of identity theft. In response to Transunion I am not a third party. I am a victim of Identity theft
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

As a consumer I Am a victim of fraud. I review my credit report and came across unauthorized accounts and information on my credit report from XXXX, XXXX, & Equifax. I am submitting a complaint to fix this issue so I can continue with my life. 

I uploaded proof and evidence to support this complaint. Please help
Product: Credit reporting

TO : TRANSUNION I understand you are just following standard-processes ... But on this one I need you to think " out-of-box ''. Your normal " submit-a-dispute '' does not fit my need as it is designed to submit only on an individual entry ... I have a more broad issue. 

I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months So please read this and absorb in its entirety ... Then respond accurately.
Product: Mortgage

I was two months ahead on my mortgage, then within 10 days, countrywide foreclosed on me stating that I was 2 months behind, all within 10 days, I proved to them on several occasions that I was correct and that they are wrong! Several of their people agreed with me in my assessments, but, were no longer in contact with me! They lied cheated, defamed me and foreclosed on me, then coerced me into a very false modification, what I originally read and thought I had sighed, turned out to be significantly different! they put a balloon payment with an adjustable rate and then put 40 years to pay, Incredible!!! 
This has cause me extremely great distress and hardships, while destroying my credit and any hopes of paying off the mortgage! Please any and all help would be greaty appreciated! 
Thanks sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been opened or made in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit report immediately.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Late/Open Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

On Thu r. XXXX -17 th  e Direct or for Planet  Home Lending  argued with me about getting someone else to help me refinance my house. They request for documents that I already sent them. and wanted a new loan officer which was denied by  District Manager  in Florida by the name of  XXXX   XXXX . He was VERY RUDE to me and when I told him that I was going to turn him in and his response was that he did not care.They have my packet with a lot of personal information. I was promised a refinance. My loan number is  XXXX .   Would appreciate you help. My name is  XXXX   XXXX   XXXX  any question please feel to contact me either by regular mail which is at this address   XXXX   XXXX   XXXX   XXXX   XXXX   Ind.  XXXX  or e-mail,  XXXX  I am  XXXX  yrs old and a  XXXX   XXXX  and my doctor said no  STRESS!    Thank you!   Thu rs.  X/XX/2017
Product: Debt collection

Was initially contacted my a debt collector to collect a sum of money over {$9.00} for repairs to an apartment I used to live at. I vacated this apartment over XXXX year ago and my ex wife was the one remaining there. After move out in XX/XX/2021 I we were told we would be contacted with the final amount owed which never happened. I contacted the landlord about my security deposit and was told I would be called back. Missing the call back they left a voicemail stating the only amount I owed to them after move out was around {$500.00} for pro rated rent which was taken out of my security deposit along with a small repair. I didnt think much of it until XXXX years later I get a call from a collections agency saying I owe over XXXX for initially what was a flooding repair. I stated I have email proof emailing for maintenance to come out to fix the problem and each time they came they couldnt find anything wrong. Eventually the pipes burst multiple times over the years because of bad and rotted plumbing and they tried pinning that on me after move out so when I questioned it then the story changed to the reason for the collection is instead now carpet and a couple blinds. I dont know where in the world a small XXXX bedroom apartment that had only half of its square footage actually carpeted costs over {$9000.00} nobody wants to give me an exact list of repairs or charges and I was only notified about this until it hit my credit and ruined it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I went into the XXXX XXXX  in XXXX XXXX, Mi to purchase an XXXX with a consumers credit transaction. Apple ran my credit through GOLDMAN SACH BANK USA without my knowledge to get an apple credit card and I was not approved. 

Under 18 USC 1028 ( a ) - FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, authentication features and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or I was not approved based on information that APPLE took from someone else and obtained from someone else other than myself. I, as a consumer am the only who who can extend credit. Apple is in violation of 18 USC 1028 ( a ) ( 7 ).

Under 15 USC 1602 ( p ) - DEFINITIONS AND RULES OF CONSTRUCTION ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Apple is also in violation of 15 USC 1602 ( p ), unauthorized use!

Under 15 USC 1681 ( b ) ( 2 ) - Permissible Purposes of Consumer reports ( a ) 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.

Apple did not have permissible purposes. I did not give Apple any written consent. No consent is identity theft. Please send me a copy of the written consent that I, myself gave you.

Apple is in violation of 15 USC 1681 ( b ) ( 2 ).
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of   XXXX   XXXX   XXXX   am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

I contacted SPS on XX/XX/XXXX for a pay off. I am in the process of refinancing. There's been no response to the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank  statement proving when my payment was accepted.. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit reporting or other personal consumer reports

I recently filed an identity theft report with the Federal Trade Commission because my identity information has been breached and credit inquires are being made without my consent. Since my last notice of identity theft, there are additional inquires reporting with Experian that do not relate to me and that should not be reporting on my credit report. I am seeking remedy to have the fraudulent inquires permanently deleted from my credit report and file within 4 business days as required under FCRA Section 605B.
Product: Vehicle loan or lease

I cosigned with my daughter-in-law for a car loan through XXXX XXXX XXXX in Arizona in the summer of XXXX. My now my ex-daughter-in-law will not take financial responsibility or even sign off on a voluntary transfer ( although I know her work address in Michigan where a process server could find her ). XXXX XXXX XXXX   informed me that abandonment could be completed to accomplish removing the vehicle from my debt, so I requested to process an abandonment on XX/XX/XXXX. At that time, I reminded XXXX XXXX XXXX that I had already updated the vehicle location with them when I dropped the vehicle off in mid-XXXX at the dealership in XXXX where it was originally purchased. The dealership provided me the courtesy of dropping the car off there, since I explained to them that I was selling my Arizona home in two days and was leaving the state. The dealership is located in XXXX, AZ. 

I am looking for a document to prove that I have surrendered and or abandoned the XXXX, but when I called XXXX XXXX XXXX today ( XXXX ), they told me that they do not know the whereabouts of the car and the case is closed! 

XXXX XXXX XXXX provided me with the vendors number ( XXXX XXXX XXXX at XXXX ) to pick up the vehicle, but XXXX XXXX said that the vehicle was not at the address, and they received a cancellation order. 

XXXX XXXX XXXX denies knowledge of the whereabouts of the car, although the Hyundai dealership informed the XXXX Police that a repossession tow occurred. 

The Town of XXXX Police Report is XXXX and the officer in charge can be reached at XXXX. I am also making a report to the AZ Attorney General, because failure of XXXX XXXX XXXX to protect their collateral once informed of the vehicle 's location at the dealership has resulted in a misplaced vehicle. I am unsure if the vehicle is lost due to error fraud, but a misplaced car could be used in criminal activity, especially as close as Arizona is to XXXX. 

I understood I would receive a XXXX for cancellation of debt income in the full amount of the unpaid loan, but now that the car is lost, XXXX XXXX XXXX has lost the opportunity to sell the car at auction to remedy their ability to collect on the loan which affects consumer finance. 

Thank you!
Product: Credit reporting or other personal consumer reports

Someone opened credit card accounts in my name with XXXX XXXX. These are fraudulent accounts. I filed Identity Theft Report with FTC. I called XXXX XXXX bank and reported it. The XXXX XXXX customer service closed the credit cards. However, it still shows on my credit report. I request to remove these fraudulent credit card accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I am the seller in the loan assumption of a VA loan serviced through Navy Federal Credit Union. This sale was originally scheduled to close in XXXX of this year ( 2024 ) and has now passed through multiple extended closing dates due to a lack of response from NFCUs loan assumption department ( despite many attempts from all parties to reach out ). As of today, a new Senior Processor was assigned to the sale and it appears the entire process is starting over ( requesting information and documentation which has already been provided by both the buyer and myself ). This seems suspiciously like a tactic to dissuade consumers from executing a loan assumption, as allowed by NFCU policy, due to the higher interest rates ( and profit margins ) of normally sourced loans. This is either directly intentional or a result of deliberate staffing practices designed to achieve such goals. Both the buyer and myself are in awkward financial positions as they have already moved into the home in good faith, and I am having to charge them a per diem for the early occupancy. NFCU processors claim that this process simply takes longer, but that does align with the objective fact that we are having to start over from scratch in the process.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020, an installment loan was taken out fraudulently with a company called XXXX, which I had never heard of. I noticed this issue a few months later and began disputing it with the credit bureaus. I was eventually able to get it removed from XXXX, but it is still showing up on my Equifax and XXXX credit reports. I have disputed it with each bureau multiple times over the last few years, and have even filed a police report about it. I have tried to contact the company to inform them that this account is not mine, but they won't even let me go far enough with their phone system because I don't know the phone number associated with my account. Despite numerous attempts to explain the situation and the dispute, Equifax and XXXX have not removed it from my credit report, and now it is seriously causing harm in my life because it is holding up my attempt to buy my first house. This account was opened fraudulently, and I need it removed from my credit report on Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, XXXX, Equifax, and XXXX. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

I am a victim of identity theft, all these fraudulent inquiries that is on my credit report and account do not belong to me, I never given anyone permission to pull my credit to open these accounts at any time! this was Not authorize by me and I am requesting that this information to be remove immediately and block pursuant to section 605B of The Fair Credit Reporting Act, Im request that these inquiries be remove ASAP.