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

This is my 4th endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Student loan

On XX/XX/XXXX I received confirmation from XXXX that my employer qualified for the PFSL, and that my school loans were going to move from XXXX to Mohela within 90 days of the letter. It is XX/XX/XXXX, and my loans are still with XXXX, and they are also marked as Forbearance, which I did not petitioned. I have called Mohela and they do not have any way of getting my loans from XXXX. I have contacted XXXX and they told me they can not transfer them until they receive something from Mohela stating that they need to be transferred. I have also contacted StudentAid, and they also have no answers or timeline as to when my loans will be transferred. Repayments will start shortly, and I need to know where I need to send them, and I would also like to have my employment count towards PFSL. Please help me. 

For reference, I am attaching the documentation that I received from XXXX  about my school loans. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report I discovered a loan account that I did not authorize and have XXXX knowledge of. I do not have a relationship with XXXX XXXX but they have me documented as having acquired a loan in XX/XX/2022 in the amount of {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX  XXXX BANK # XXXX XXXX XXXX BANK # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX BANK XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reinsertion of previously deleted information on my credit report, specifically pertaining to an account with Bank of America. This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Background : Last XXXX of my social is XXXX Account in Question : Bank of America XXXX Account Number : [ Account Number ] Date of Original Deletion : XX/XX/year> Date of Reinsertion : XX/XX/year> Credit Report Reference : XXXX XXXX of FCRA : According to Section 611 ( a ) ( 5 ) ( B ) of the FCRA XXXX if a credit reporting agency ( CRA ) reinserts previously deleted information, it must adhere to the following requirements : Certification from Furnisher : The CRA must receive certification from the furnisher of the information that the item is complete and accurate. 
Notification to Consumer : The CRA must notify the consumer within XXXX business days of reinsertion. 
To date, I have not received any notification from your agency regarding the reinsertion of this account information. Furthermore, I question whether proper certification from Bank of America was obtained prior to this reinsertion.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C statue 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifaxs action may also Contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. Statue 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in a CFPD recent administrative proceeding File No. XXXX ) against them for similar violations. I requested the CFPD take action to ensure Equifax complies with federal law and provide consumers whats the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

This company continues to call for a debt I have no knowledge of, nor is valid. I advised several very aggressive phone collectors to send me a letter stating specifically what is owed and who the original creditor is and validation of this alleged debt. They state they don't send letters and several just hung up. They also asked me to confirm my information, and try to verify the last four digits of my social security number and date of birth. Any attempt to collect a debt without validating it violates the FDCPA. 

This company has repeatedly sent mail communications indicating that they are acting on a date for another creditor threatening that it may be placed with a law firm. 

Further, this company does not have permission to contact me, they don't have my permission to have any information I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question. 

Regardless of whether or not you properly validate this debt, all communications concerning this alleged debt shall forever cease and should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX did not bill my insurance properly and after numerous attempts my not only me, but my insurance company to resolve the debt, they referred me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.
Product: Mortgage

I have been struggling to get caught up on my mortgage for about 2 years as a result of a divorce and now job loss. I lost my job at the end of XXXX of last year. This has gotten to the point where I am overwhelmed. I decided to reach out to Summit Funding to apply for a mortgage loan modification. I submitted the packet along with supporting documentation. 

I called and spoke to someone at Summit regarding a letter I received stating that I hadn't provided 30 days worth of pay stubs. I explained that I had just started working and I didnt have 30 days worth of stubs. The person I spoke to stated that I need simply send in a letter of explanation stating the reason for the lack of stubs. I submitted the LOE in plenty of time. I thought I'd call and check the status today and was told I'd been " disengaged '' for a lack of documentation. I explained what had happened as was told too bad so sad. 

Aside from them closing the application, they have a horrible system. Every time I call I have t start my story all over again. I can't tell you how many times I've heard " it looks like '' from a Summit employee. There is no single point of contact. I thought the whole point in creating such a system after XXXX  was so that a person familiar with the file would serve as my POC. They have also hit m with all sorts of fees. The best one was a bill for almost XXXX after they supposedly sent someone by to see if the place was still inhabited. No one ever came by and if they did, there is no way to tell from the street. It is a condo with zero visibility inside from the street! 

I need help. I couldn't even get a supervisor in a timely manner so I decided to initiate this complaint. I need help please!! 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX XXXX on XX/XX/year> and XX/XX/year> permission to pull my credit report. Two inquiry from XXXX XXXX are on my report. This is a fraud inquiry on my XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXXst. It has been over XXXX XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

TRANSUNION LLC is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information. This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Money transfer, virtual currency, or money service

WorldRemit facilitates identity theft and condones theft on a grand scale, which is precisely why someone operating criminally would be attracted to this company, which declares itself " required by law to verify all of [ its ] customers. '' There is no reason that I should believe that my experience with WorldRemit is unique if the complaints posted on the XXXX XXXX XXXX  website are a representative sample. Laying bare the lie of the company 's claim is the fact that WorldRemit does not bother to verify whether a debit card bearer 's name and identity match the name and identity of the sender of funds. On Monday, XX/XX/2021, two identical online transactions of {$160.00} each were made using stolen information from my debit card between XXXX XXXX to send money to an unknown recipient, seemingly to XXXX. I do not have an account with WorldRemit and have no reason to use their services. 

The line item description on the transaction record with my credit union read " WORLDREMIT XXXX CO XXXX ''. Calling the 888 number goes nowhere since the line is disconnected and XXXX does not correspond to any zip code in the United States. Visiting the website leads nowhere - if you are not a registered user with a login, there are no live links to the chat option and no way to email anyone, which is disabled as a means of contact as of the date of this complaint. Calling the XXXX number, XXXX, leads to an automated message that leads circularly back to the website ; at no point is it an option to speak with anyone with a pulse and a quasi-functioning mind. The absence of responsive accountability communicates that WorldRemit willfully turns a blind eye to theft and illegal transfers of monies abroad.
Product: Credit card

Back during the housing and financial market collapse in XXXX where the banks where bailed out by government funding or the Emergency economic stabilization act of XXXX, I had a credit Card with Bank of America with a balance that I needed time to get caught back up on due to my business going under and needed time to get money coming back in. In my many calls with BofA customer service to arrange this, I was told that in XXXX of XXXX, BofA would just charge off the debt and recover the loss from the TARP program and the account would be consider resolved. At that time, I reached out to my Friend, the late Senator XXXX XXXX to verify this claim by BofA and he told me yes, and that BofA was required under the TARP plan agreement to destroy the charged off debt and would not be allow to transfer the debt to a third party. However, after approx. three and a half years in late XXXX BofA included this debt in a bundle that was sold to XXXX XXXX, a third party debt buyer, who then sat on the debt until mid XXXX where they had their collection division of XXXXXXXX XXXX XXXX, XXXX to preceded to filed for a judgment at the XXXX XXXX XXXX XXXX in XXXX and was given the judgment in late XXXX even though I knew nothing of this attempt for judgment until after it was issued. It is my belief that BofA conducted Bank fraud by selling this debt to XXXX XXXX even after they took government TART funds to satisfy the debt. I ask CFPB to investigate this situation and request BofA to take back the Debt that they where never allowed to transfer to a third party and have the money that XXXXXXXX XXXX XXXXXXXX stole from me, return the money. Thank you for your time.
Product: Debt collection

I am disputing a collection account showing on my credit report from NCB Management Services , Inc in the amount of {$7000.00}, originally from XXXX XXXX XXXX XXXX, which I do not believe I owe this amount. I have disputed this account directly with NCB and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from XXXX. NCB continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER MY REPORT.
Product: Credit card

XXXX - the cellular service provider made a series of unauthorized charges. Attempts to contact and resolve failed as they did not pick-up calls and did not respond to emails ( receipt of which they acknowledged ). Few of the charges they credited back, but several remained unresolved. Barclays Bank, as instructed by them, was called and dispute and request for chargeback were made. The bank attempted to contact the merchant by phone but failed. As usual with that Bank - they DID NOT DEMAND DOCUMENTATION FROM THE MERCHANT. The bank, as I experienced previously, demanded from me that the account be closed and new credit card numbers be issued. That is not acceptable nor is it authorized way of resolving billing disputes. This bank does it for years and I experienced it many times. This bank does not follow Fair Credit Billing Act and their employees are trained to push back and force customers to declare fraudulent transaction by an unknown actor in order to force the change of the card number. That is neither true nor legal. 
The dispute and chargeback process has the ability to correct banks behaviour. Changing the credit card number punishes the consumer as this forces the change of card number in many other places where the consumer might have set-up recurring charges. 
The offense by the bank is not only in abusing FCBA, but also in machinations to delay the process. The dispute was setup on XXXX, on XXXX I received the denial letter ( without any documentation ) demanding that I authorize closure of the account - but the letter was dated XXXX, and the bank did not mail it until XXXX.
Product: Debt collection

XXXX XXXXAmount {$280.00} closed account.My report include accounts with a reported name that is different that mine .I dont recognize the accounts in question.The reports shows I owed money to an account that is not mine.The current status of my account is not correct.
Product: Credit reporting or other personal consumer reports

I certified mail a dispute letter to TRANSWORLD SYSTEMS INC. on XX/XX/2024, about an inaccurate account thats being reported to my consumer report TRANSWORLD SYSTEMS INC did not provide me with the original the information below 1. Proof of my signature on any agreement that establishes this account as valid and that I agreed to pay this creditor. 2. Documentation of any insurance claim filed on this debt. 3. Proof that you have the legal chain of title to collect on this debt. 4. A detailed list of the history of payments made by me on this account.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth:XXXX XXXX ID Type : Driver 's License ID Number : 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 XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # : XXXX XXXX  : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please  evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX account number # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX account numbe XXXX XXXX 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 Consumer reporting agency cannont furnish a account without my written instructions