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

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

These inquiries should be removed. I am unaware of them, and they were conducted without my consent by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report. I dont owe XXXX XXXX XXXX XXXX Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care.
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. 

XXXX, ACCOUNT NUMBER - XXXXXXXX XXXX XXXXXXXX XXXX, ACCOUNT NUMBER - XXXX 15 U.S.C. 1681 Section 602 A section states : I have the right to privacy. 

15 U.S.C. 1681 Section 604 A section states : It also states a consumer reporting agency can not furnish an 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 7 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, credit repair services, or other personal consumer reports

I was denied the right to have a bank account at XXXX XXXX because the XXXX computer detected some bad issues in my identity with respect to my transactions that I perform and have performed in the past with the bank. I am attempting to have a business online that I operate from my personal computer at home. Right now, it is earning about $ 400/month. I desire or intend that I allow it to grow so that it can potentially earn about $ 95,000/year. But because I have been making so many purchases with my credit cards, I am behind in my payments to my creditors, ( including PayDay Loans ) and so the computer sounded the alert that I was doing something suspicious. I have the ability to repay all of my debts. The problem is that the schedule of the payments that I desire is in conflict with the schedule of payments that those creditors desire, so they sounded the alert to protect their financial interests.My debts are around {$10000.00}, but the amount of money in my 401K, ( which substantiates my net worth ) is around {$290000.00}, and my salary is $ XXXX/year so it's not unreasonable on my part that I can pay it all back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I received an opened letter from XXXX XXXX XXXX due to it being misdelivered to another adress and immediately sent them ( XXXX XXXX XXXX ) a debt validation letter. XXXX XXXX XXXX received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from XXXX XXXX XXXX via mail nor by phone and the negative entry remains on my credit files ( XXXX, Equifax and XXXX ). Due to XXXX XXXX XXXX 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.
Product: Student loan

I have applied for Load Forbearance on my Navient Private loan multiple times. I have not received a response any of the times that I have submitted the School Closure Form. I just submitted the form again, but you can not view the submission in your online account and I have not received an email that Navient will process the request which has happened in the past. You just don't receive a response. I previously went to XXXX XXXX XXXX in XXXX, which has closed. I had a loan from them in the total amount of {$9400.00}. I currently have a XXXX % interest rate and have a remaining unpaid principal of {$4400.00}. I continue to pay monthly ; however, this is one thing holding me back from future goals. I don't believe I should have to pay a {$9400.00} balance which I have mostly paid, but won't fully pay off until XX/XX/2025 for a school that has closed and I was unable to obtain a degree from.
Product: Credit reporting or other personal consumer reports

Santander Consumer USA provided me with an auto loan. The car was wrecked and totaled. I had insurance on the car full coverage as per the requirements of the loan. I requested the bill of sale so that the insurance company could pay the Creditor the loan amount. The Creditor never gave me the bill of sale after multiple attempts on phone and in writing. I will include where I attempted to get the bill of sale and was never given the bill of sale as an attachment.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint regarding an issue with XXXX XXXX XXXX XXXX XXXX XXXX ) that has negatively impacted my credit report. 
On XX/XX/XXXX, I traded in a XXXX XXXX XXXX and settled the associated loan account with XXXX. Despite this, XXXX has reported to the credit bureaus that I still owe a balance on this account. I have enclosed a copy of the cleared check ( {$31000.00} ), dated XX/XX/XXXX, which confirms that the account has been paid in full. 
I have called three times and emailed a letter with attached documented proof to XXXX to no avail. 
This incorrect information has adversely affected my credit score and caused significant stress. I have contacted XXXX to rectify this error, but the issue remains unresolved. 
I kindly request the CFPB 's assistance in investigating this matter and ensuring that XXXX updates my credit report to accurately reflect the paid status of the account. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2022 I submitted a dispute with Experian 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, Experian update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. Experian along with the other two credit bureaus XXXX and XXXX is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]
Product: Debt collection

I am writing to address a concerning matter regarding the accuracy of my Credit Report held by TransUnion. It has recently come to my attention that despite a previous deletion of disputed information due to fraudulent activity by another Credit Reporting Agency ( CRA ), TransUnion has yet to reflect this necessary correction in my file. 
On XX/XX/year>, I received notification of resolved from XXXX confirming the removal of the following account from my credit profile due to its inability to be verified. XXXX XXXX XXXX, XXXX action was taken in accordance with applicable procedures and federal regulations. 
In accordance with these procedures, I have ensured that all relevant data furnishers linked to this account, as well as other Consumer Reporting Agencies involved in the dispute, have been duly informed of its deletion due to their failure to substantiate its validity. 
Attached to this correspondence are documents verifying the removal of this disputed account from my credit file, along with evidence of its deletion by another CRA. It is crucial to emphasize that the continued reporting of this inaccurate account on my TransUnion credit report is not only a violation of federal consumer protection laws but also undermines the integrity of my credit profile. 
I respectfully request that TransUnion promptly rectify this oversight by expeditiously removing the disputed account from my credit report. Failure to do so may necessitate further escalation of this matter, potentially resulting in legal action or formal complaints. 
Your immediate attention to this issue is greatly appreciated. I anticipate a timely resolution to ensure the accuracy and integrity of my credit report, as mandated by law. 
Thank you for your cooperation in addressing this matter promptly.
Product: Mortgage

Ocwen Loan Servicing , LLC has requested a copy of my current full credit report. The credit report I 'm sending was pulled through the Federal Trade Commission which directed me to XXXX. I pulled the XXXX full report file # XXXX dated XX/XX/XXXX. You 'll see the last XXXX digit of my social security number, date of birth, address. Account information not pertaining to the Ocwen Loan Servicing , LLC was redacted. However I did reveal that ALL of my accounts are in good standing. 
From Page XXXX-XXXX You will see Ocwen Loan Servicing credit information which starts from XX/XX/XXXX thru the last reported date of XX/XX/XXXX. On page XXXX, the credit report shows the date the account was opened on XX/XX/XXXX as a joint account.
Product: Debt collection

I wrote Midland Funding 30 days ago, they have not responded to my request for legal validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PAYPAL VIA SYNCBPAYPAL add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX that you can verify the inaccuracy of fraud that is placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : XXXX credit Bureau And Equifax Credit Bureau : I am providing the additional Information you requested. 

This is my 4th complaint where you have continued to ignore the identity theft report and is making me jump hurdles to Get this fraudulent information off my credit report. 

Per your request I am providing the report Number and the law enforcement contact information of the identity theft report.

Remove : 1. XXXX XXXX XXXX, collections, unauthorized 2. XXXX ( XXXX ) XXXX inquiries, unauthorized This is my 4th complaint filed with Equifax and XXXX and this complaint includes The additional information you requested.
Product: Checking or savings account

I deposited a third party business check written out to my fiances business, he currently does not have a business account and we XXXX  if the bank would accept the check and it says yes, so I deposited the check from my chase app and received a notification that the bank would either accept or reject the check in 2 business days. on the second day I received another notification saying that chase had accepted the check, and funds would be available after a 10 day hold. after waiting the 10 days I checked my account and it showed the funds were available. i went to use my debit card and it was declined. i then tried to transfer funds to my other account and was unable to do that as well. After calling the bank I was told that my account was suspended and they would be closing all XXXX  of my accounts and they would be sending me a cashiers check in the mail. well even at that point I couldn't wait that long for this money, waiting the 10 days was a struggle already. i escalated the situation to a supervisor who claimed they needed to verify my fiances business. they are claiming that the phone number is not linking to the business. now my fiance is a general contractor, his business is just him. his phone number is his everyday cell phone number. i told them they could look on the Illinois secretary of state website to verify his business name, good standing, and see that I am his registered agent as well. the supervisor told me that was sufficient and to go to the branch and they could release the funds. so we went to the branch and was told something completely different. i have now been battling with chase for well over a month trying to sort this out. they are very adamit on verifying this phone number but will not tell me where they are verifying it through so I can add the correct phone number. I've asked if there is any other possible way to go about this and they just wont budge. this {$4500.00} check is for my fiances clients materials, our rent, we haven't been able to buy groceries, we didn't even have a thanksgiving dinner because we were counting on that money. i don't know what to do, I don't know what they expect us to do. but they need figure out who they can release those funds to whether it be me, the client or my fiance. someone needs to be able to access those funds.
Product: Credit reporting or other personal consumer reports

Due to a data breach, my credit report contains multiple unauthorized transactions and inaccurate information. These errors are a direct result of unauthorized access to my personal and financial data, which has severely impacted my credit profile. I did not authorize these transactions, nor did I consent to the reporting of incorrect information. Therefore, I formally request the immediate and complete removal of these unauthorized inquiries, fraudulent accounts, and any inaccurate personal details from my credit file. 

As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). Failure to correct these errors in a timely manner could result in further financial harm and legal action, if necessary. I expect a prompt and thorough investigation into this matter, followed by a written confirmation that the disputed items have been removed.
Product: Debt collection

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

I have not supplied proof under the doctrine of estopper by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the 2020 Pandemic I had lost my job and I was struggling to pay my bills I called Hyundai Motor Finance and I was granted to have my account placed on a forbearance period in order not to have my account reported as late payments. - I was told I could pay over time at the end of the loan the 3 payments I was struggling to make in timely manner That was promised to me over the phone by the Customer representative that I called 3 times - instead I then discovered that my Account is been reported late for 3 times on contrary of what was promised to me by the Hyundai Motor Finance Rep.

I paid always on time for 6 years my car loan - never a late payment besides the issue during the pandemic - I then successfully closed the account at the end of the Loan and no money are due to Hyundai Motor Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2008 a charge off of {$91.00} was added to my credit report from XXXX XXXX XXXX. I have no knowledge of this account and did not open this account. When I have contacted XXXX XXXX XXXX to get this resolved they are stating they see the card was never used and that we dont owe anything. However they have been reporting a fraudulent charge off on my credit for 46 months and state they have no knowledge of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit bureaus on XX/XX/2020 and I haven't received a response. The information I found on my credit report is inaccurate and I know with covid there might be a slight delay in the response. The fact the credit bureaus are not responding makes me feel like they are ignoring me. I went online and saw this is happening to other people as well. I found that their failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report and it has been over this time. I'm requesting the accounts be removed from my credit due to their lack of responding. If nothing is done I'm going to file for litigation and I'm hoping you can help me because this stressing me out. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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, 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, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : 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: Debt collection

I am formally writing this complaint because I noticed a debt collection company by the name of CAINE & WEINER who parked a debt on my credit report. I don't know where this alleged debt came from, I was not given any information regarding this alleged debt, I was not given the opportunity to dispute this alleged debt, and I am aware that this company is not licensed to collect in the state of Tennessee. This company is damaging my reputation and breaching my privacy. The reporting of this account also reflects as incomplete and misleading. There are instances of " ND '' standing for " No Data '' and multiple collection notations shown as " C '' reported repeatedly every month. The FCRA stress the importance of " Fair and Accurate '' credit reporting. I have reason to believe this company is utilizing deceptive and abusive behavior against me. Not only are these violations of the Fair Debt Collection Practices Act but are also violations of the Fair Credit Reporting Act. This debt collection company has no permissible purpose placing anything on my credit reports without following the Debt Collection Rule under the FDCPA first. There was no attempt to communicate from this debt collection company.