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

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX, on XX/XX/2023 -- -XXXX XXXX XXXX  on XX/XX/2023 -- XXXX  on XX/XX/2023 -- XXXX XXXX, on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I became an XXXX citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a minority group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I XXXX XXXX XXXX in a XXXX XXXX located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student  loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX , XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the minority status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX , XXXX. I have attached a copy of the repayment agreement with XXXX XXXX , XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX , XXXX.. I respectfully request the associates credit bureaus such as Experian, XXXX and XXXX XXXX to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.
Product: Credit card or prepaid card

Over 3 months I been train to resolve a problem with XXXX Credit Card and nothing has been doing, I find out 3 months ago went I received my stamen I found I have fraud charges in my account I call customer services and they told me they will open investigation they cancel my card and send me a new one next month I call because nothing happened they told me the investigation is on process this month again nothing happened this month I call ageing and agent XXXX told me I have to speck with XXXX at XXXX but this is a recording line and not body answer the call, in the mid time I been charge with late feet and interest. I don't have other to report to you agency for help. Thank you for your attention to this matter. XXXX XXXX XXXX Account ending XXXX ( new Card number ) XXXX  Crdit Card XXXX XXXX XXXX XXXX XXXX IL XXXX Continental Finance XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - 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. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


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

There was no sub category listed for this complaint so this may be in the wrong category. My complaint is against Transunion. I had a fraudulent debt with XXXX XXXX XXXX that was being reported on my Transunion credit report. Transunion knew the debt was fraudulent but still allowed it to be reported. They were sued and had to pay XXXX XXXX dollars a few years ago for doing this same thing to someone else. Transunion finally removed this fraudulent debt from my credit report. Before Transunion removed this fraudulent debt my credit score was XXXX after they removed it my credit score increased by 2 points. I had a collections account removed from my credit report for the amount of {$800.00} and my credit score only increased by 2 points not likely. Transunion is keeping my credit score low deliberately to retaliate against me for exposing their fraudulent and illegal behavior. Transunion is aiding and abetting in a crime. I reported this crime to the Illinois state Attorney Generals Office and now Transunion is retaliating. In Florida where I live a debt collector has to be licensed in the state of Florida in order to collect a debt in Florida. If they are not licensed and try to collect the debt then its a crime that the Florida Attorney Generals office has authority to pursue legal action against the company rather they are located in Florid or not. Transunion is allowing XXXX XXXX XXXX XXXX to commit a crime and use Transunions platform to further this crime. XXXX XXXX XXXX XXXX is not a licensed consumer debt collector in the state of Florida and they are committing a crime by trying to collect a debt from me. Transunion is aware of this crime but still chooses to allow XXXX XXXX XXXX XXXX to use their ( Transunions ) platform to in furtherance of this crime. I reported this illegal activity to the Illinois Attorney Generals Office and now Transunion is retaliating against me.
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against TD Bank Regarding Unauthorized Transaction Dear Sir/Madam, I am writing to formally file a complaint against TD Bank regarding an unauthorized transaction that has caused severe financial and personal hardship. 

On XX/XX/year>, {$7500.00} was transferred from my TD Bank account to XXXX XXXX XXXX XXXX via a XXXX XXXX XXXX  account. I have never conducted business with this company and did not authorize this transaction. Upon researching the company, I discovered it lacks a physical presence in the United States and operates from XXXX, XXXX. Despite my repeated attempts to contact the company through email, they have ignored all correspondence. 

I promptly reported this issue to TD Bank, but they informed me that the transaction appeared to have been initiated by me, which is incorrect. The bank has refused to take further action, leaving me with no resolution or recourse. 

This fraudulent transaction has pushed me into financial ruin. I have fallen into significant debt trying to cover basic expenses for my family, including housing, food, and childcare. As a XXXX  mother of XXXX, including twin XXXX, I have been forced into homelessness and am struggling to provide for my children. 

To make matters worse, I was left with no choice but to close my TD Bank account due to the poor handling of this matter and my loss of trust in their services.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove XXXX I never was late on anything please remove account from my report account XXXX mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to submit a dispute with XXXX online. I was unable their has been a problem with their site for the longest. I had to actually call in the dispute. When I did speak to a rep and submit the dispute via phone, the results were back within the week. They didnt even try to investigate this issue. I have had this same collection removed from my XXXX and Experian. This same collection was removed once before on my XXXX on XX/XX/2022. Im not sure why its back on there now and they will not remove it. I had tried three times now.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE FOLLOWING ACCOUNTS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 ), a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and an installment loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud.
Product: Checking or savings account

This is my second and last attempt, to see will Bank Of America regulatory complaints division, acknowledged there wrong doings by reporting fraud and identity theft accounts to early warning check system, Bank of America has admitted to there wrong doings of reporting fraud accounts and also allowing the same person or whom ever open 3 accounts with them in my name that any bank or organization that keep sensitive information that can affect a person life and financial ability, to have some type of strict fraud observance or identity fraud acknowledgment. Bank of America allowed a account to be open again after closing an account that had fraud checks and fraud transactions which lead to closing, 2 months later they gave the same person which is my name open another account and fraud draft the account again. I was told these accounts would be removed from my report and i am not held responsible. Months later these accounts still reporting on early warning which cause me to get denied a loan and account from multiple banks, I filed a cfpb report and requested that this be removed immediately due to promise to remove items in 15 days, which lead to 60 days and counting, I spoke with XXXX XXXX, with the Bank of America resolution division and was told he will investigate and get back with me within 3 days after I provided him with uploaded documents of proof that I was already granted the removal, XXXX XXXX has sent me more proof that Bank of America allowed someone to have history of check fraud and identity account fraud to open a new account 3 months after closing the first 2 fraud accounts. I have sent my demand letter also and attached it to the complaint and he avoided it, I am in a mental and financial hardship due to Bank of America improper use of reporting my information and improper account management. I also noted the violation of which theyve committed. I will also have that attached along with a new demand letter, that I will take this matter to court if its avoided again. ( FCRA ) ( 15 U.S.C 1681 a
Product: Credit reporting or other personal consumer reports

Reviewing my information and verifying the alerts that come to my phone that they were accessing my information without my authorization to obtain credit and financing, which he claimed are fraudulent, please remove all these inquiries from my information : delete. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are inquiries that I do not recognize and are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I had four student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.
Product: Credit reporting or other personal consumer reports

I have credit lines I dont recognize and I was part of the data breach from the bureaus I asked for the items to be removed and they have not removed them its been over 60 days
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XX/XX/2019 To Whom it may concern, My name is XXXX XXXX XXXX, and this is my formal complaint on Ocwen Loan Servicing and PHH Mortgage Services, on their practices in Notice of servicing Transfer. I received the notice in the mail on about XX/XX/2019, notifying me that starting, XX/XX/2019 PHH would become the new servicer for my account : Loan number XXXX. 
For the last ten years Ocwen Loan Servicing, had paid my homeowners insurance policy to XXXX, policy number : XXXX XXXX XXXX. The policy was paid through an escrow account once a year. After the transfer of service on XX/XX/2019, I received a policy statement for the first-time in 10 years, noting that the notice was for non-payment of premium. A second notice statement followed on XX/XX/2019, for, {$360.00}, a third notice XX/XX/2019, {$730.00}. It was obvious that PHH Servicing was not paying my homeowners insurance, from the {$1400.00} each month. {$580.00}, was the amount that was deducted for the property taxes and hazard insurance that was scheduled to be placed in the escrow account. 
On about, XX/XX/2019, I called PHH Services, customer care center, trying to reach my relationship manager, XXXX XXXX. I was informed they where busy and to speak to the next available agent. I spoke to this agent about my homeowners insurance not being paid. I was told I would get a call back after my complaint was given to the research department. The phone call never came. After speaking to at least 10 customer care agents and explaining my issue to each and every one of them ( language was a bearer }, I became frustrated, but called another day around XX/XX/2019. This time I insisted on speaking to a supervisor. I spoke to a floor supervisor named Mr. XXXX ( agent # XXXX ), I was told my account did not have an escrow account attached to the loan. Mr. XXXX followed through and called me back within 24 hours. I was told that I was right, nothing was being paid and someone would get back to me for a final resolution. No one ever called but they sent a partial payment, but no explanation to why this was happening. I am now researching my property taxes to see if there is any debt outstanding. 
In the meantime I received a notice of termination for non-payment from XXXX, with a final outstanding balance of XXXX ( XXXX is demanding payment ). In order to protect my home and property I did established a new homeowners insurance policy through XXXX XXXX started on XX/XX/2019 and show PHH Mortgage Servicing as the lien holder. To add insult to injury I now have another mortgage servicing company called XXXX, started XX/XX/2019. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  {$500.00} XXXX XXXX XXXX  {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}
Product: Credit reporting or other personal consumer reports

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) I have not initiated any transaction with { XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } for review or collection.
Product: Debt collection

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report its well over XXXX days. I am being taken advantage of by the same company and ignored. section 611 ( A ) failure to investigate within XXXX days gives immediate removal from my credit report. I demand these accounts be deleted immediately I have documents to file litigation over stress. 15 USC