23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance : {$3000.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$4300.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$1600.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : {$3300.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$2200.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$7000.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$2700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$5400.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX  XXXX Inquired on XX/XX/202XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2XXXX XXXX  XXXX XXXX NA Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX  XXXX Inquired on XX/XX/202XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/202 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

My wife and I have filed with XXXX XXXX. we have enrolled XXXX Wells Fargoaccounts. we closed our Wells Fargo account but my wife was a cosigner onour sons account so Wells Fargo started pulling money out of his accountwithout his knowledge or consent and without ours. No letters, emailstelling us anything
Product: Checking or savings account

My bank account was closed without my aware about it. CitiBank closed my account after my ACH transfer from XXXX XXXX  to Citibank. I am owner of both account but Citibank claimed that fraud transfer and closed my account. I just only received letter reference number about my account but the representation claimed they sent letter closure. 
- Account restricted on XX/XX/year> - Reference letter sent on XX/XX/year> but delivered on XX/XX/XXXX - Called Citibank and representation told that account updating and I need contact them later - Called on XX/XX/year> and told the same. 
- Called XX/XX/year> and representation told that account closure but there no notify, no letter, no email or anything like some kind of mistake. Because I got work so I hang up without further inquiry. 
- Called XX/XX/XXXX to inquiry about balance and representation told me that there no balance as if my transfer from XXXX to Citibank disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$790.00}
Product: Vehicle loan or lease

On XX/XX/2022, I went to my bank and got a loan for an early lease buy out on a hyundai XXXX. We signed all the paperwork and the bank said all we have to is wait for hyundai to release the title so they can register the vehicle for me. The vehicle was originally leased by me and my daughter, it was registered in her name but she didnt want to continue the lease and bought a brand new hyundai and I decided to get a loan and buy it out early. Hyndai has very poor communication when I call, which has probably been 30 to 40 times in the last couple months, each person I speak to at Hyundai tells me something different or just the wrong information or not what the next person tells me even when calling five times in one day. My bank has called twice and has faxed Hyundai the paper work they claim they still need even though they have everything and have been paid fully by the bank and I have already been paying on my loan on my car that I cant register. It is still registered in my daughters name and now that she has moved away and she cant change her address because you cant have two vehicles registered and insured by the same person with two different addresses. The insurance is up in XXXX, her registration was up in XXXX for which we had to reregister it in her name, which I paid for and I have also already paid for my bank to register once they get the title. I have read numerous amounts of complaints against for the same problem and I work with somebody who paid off their car loan with hyundai, two years ago and still they dont have the title! I dont known what else to do, but I need that title now. This company is criminal for what they do to consumers! Please send me my title!
Product: Student loan

I was on a XXXX  repayment plan through Navient. In the past few years I have been able to finally make solid monthly payments. However, I kept seeing late fees on all my payments. I called and they told me that my XXXX repayment option was over and I now have to pay {$430.00} a month. I can not afford that! Where did that arbitrary number come from? The Navient agent could not help me and I could not understand her anyway. I completed my FSA Id process and took a look at my account and it states that I owe {$130000.00}! I almost threw up. I owe {$69000.00}! What is going on? This is so misleading and now I understand that the CFPB is being gutted by our government in favor of loan servicers like Navient. Nothing about this seems right and I feel like I am being scammed. I would rather default on the loans so I can retain a lawyer and protect myself. Is this what its come to now? I need help desperately. I never had these issues when XXXX XXXX was servicing my loan. Can someone please contact me?
Product: Student loan

After I filled a complaint with the XXXX on XX/XX/XXXX, for MOHELA constantly not responding to direct questions on my PSLF application, I received a response from MOHELA. The response stated everything was on track for my PSLF application that was filed on XX/XX/XXXX of this year. I also made a call to MOHELA and the representative stated everything looked like it was on track and it may be a the end of XXXX before my account was updated. Then, on XX/XX/XXXX, I receive another email from MOHELA and the processing days have been changed from 90 to 180 days. Six months!? And after a response that everything was on track? It seems that MOHELA just responded with whatever they wanted to get me to close the complaint with no commitment to actually honor their word. It does not look good that this company is the one involved in the lawsuit against student loan forgiveness, then takes over the PSLF applications just to constantly delay the process for millions of borrowers. This was a very poor decision to have this company in charge of these loans and I suspect many will not receive the forgiveness that they rightfully qualify for under these circumstances. I will have to be turning in another application shortly all because my first one was never processed and will be well over the required 120 payments by the time loans are expected to resume payment status, with no resolution to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COLLECTION Has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency connot furnish a account without my written instuctions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my Credit report that should not be on there.XXXX XXXX {$360.00} should be taken off my Credit Report.I sent a 609 letter XX/XX/2021 and havent got a response yet from TransUnion.
Product: Vehicle loan or lease

Extended the lease on my vehicle XXXXXXXX XXXX XXXX. Payment of XX/XX/2023 went towards other charges instead of vehicle payment, resulting in a 30 day credit strike on my credit report. Followed up with American Honda Finance, they opened a ticket and told me it was resolved. Payments have always been consistent before the lease extension, payment history proves this. Now they claim XXXX, XXXX have not been paid on time ( My bank statements prove otherwise ) and they have yet to fix the issue, Which has resulted in more 30 day strikes on my credit report all due to negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. When I became aware of the fraudI I tried to find out the necessary steps to repair the damage that has been done. I noticed that many of my existing accounts had been compromised with fraudulent charges that weren't authorized by me. I was advised to get a police report, file a complaint with the FTC, and to send a notarized affidavit to the credit reporting agencies. I sent in the required documents and they removed the items that had been affected. Shortly after they removed them, Transunion decided to reinsert the very same items, and said that the items had been verified. That is a clear violation of the law and of my rights.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

I deposited a check for {$1400.00} on XX/XX/2018 the funds are usually available in two days after checking my account Wednesday Wednesday XX/XX/2018 I realized that my funds were not available yet so I contacted the bank the bank told me there's a fraudulent hold on the check I spoke with supervisors who would not give me their ID numbers I spoke with fraud protection who will not give me their ID numbers I even spoke to the bank that the check was written out of I gave Santander Bank the numbers of my company the number of the bank that the check was drawn on and I'm still getting nowhere they got a hold on my check that doesn't need to be there my name is on the check it is my checking account it also says payroll check there's no need for a hold on this check it is XXXX time I can't buy gifts this was my layoff check I explained everything to Santander Bank and they don't care
Product: Checking or savings account

Bank of America is holding my fathers money within their bank. My father went into their branch and filled out a letter of beneficiaries identifying whom to disperse his account to after he passes, he filled that information out IN PERSON on XX/XX/23. The bank is stating they wont pay it out because several changes were made before and after his passing, which is illegal. The bank rep informed him after he completed the process that It can only be change by appointment only. They are stating they are honoring their clients wishes, which they are not doing by holding is money when he had physically went into their branch and filled out the proper paperwork. The branch notified the state about an individual trying to be added to his account, which the bank denied and about someone taking money from his account. The state interviewed my father and he made it clear to the investigator his frustrations with what was going on. Theres an active investigation going on now against the individual and the bank will not release his funds to his beneficiaries that he wrote down in their branch. Its just throwing salt in the wound of the family as we are mourning and causing more problems than they know between the family. Emotionally some individuals have spoke to therapist and my youngest sister had her doctor tell her the stress is causing her to XXXX and have other medical problems that effects her condition she has had majority of her life. We need the funds released and they are trying to give it to the individual he wanted to keep it from by asking everyone to agree or attend probate court which is super expensive. They are being unreasonable and borderline bullying by not honoring what my father signed in their branch.
Product: Debt collection

So again Ive hired XXXX XXXX  to deal with these XXXX cards that were identity theft and they did charge jobs with XXXX XXXX XXXX and whatever other company it was called I cant think the stuff is stressing me out but either way I have been playing XXXX for quite a while I am being harassed by these companies they keep switching companies and going after me still even though they know that someone had identity theft at me so the new company now that theyre sending the debt to is XXXX XXXX XXXX XXXX will re-forward everything I sent these people and attach them to these files Once again sincerely XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts listed on my credit report that I do not recognize. I have attempted to dispute directly with the creditor/collector and with the bureaus with no success and am now taking legal action. I have filed an identity theft report with the FTC and with XXXX XXXX KY Police. None of the medical bill son my account are mine. The XXXX bill is not mine. The inquiries are not mine. I could not list all of the accounts but XXXX XXXX XXXX is not mine. I contacted them and they are a daycare which I have never used. Also XXXX XXXX XXXX which is XXXX XXXX XXXX should not be on my credit as I was a co-applicant who did not reside there. I paid half of the debt which is indicated and they said they would remove my liability and remove from my report. The total was XXXX and I paid XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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
Product: Debt collection

Came to my job after repeated calls to my job. Spoke with me about my debt in front of my manager, even after my manager repeatedly told her she could not be here contucting her business. This went on for 20 minutes. The name of this business XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

Please see attached letter dated XX/XX/2018. 

Ocwen has failed to deliver required foreclosure protections. 

Ocwen is using faulty information in the servicing of this mortgage loan.
Product: Debt collection

Contacted TD Card Services customer support at XXXX on Monday XX/XX/2024. Explained to representative that I had received a letter explaining that if I could not make a payment, I could speak with a representative to discuss payment options. I was transferred to collections XXXX. I spoke with a representative who said they would call back to discuss options. A call was received at XXXX. No message was left from the representative. Tuesday, XXXX XXXX. I contacted TD Bank, explaining my situation and wanted to follow up since I did receive a callback without a message. I was transferred more than 4 times and placed on hold. The hold was over 15 minutes. When I did get through to a representative, the line went blank and the call was dropped. The call was timed at 24 minutes. To be dropped was just inconsiderate and cruel. I want to modify my payment agreement and pay this balance off. Any assistance would be appreciated.
Product: Debt collection

I received a call from XXXX XXXX on XX/XX/XXXX regarding a theft by check charge. They reported to me that I held a bank account at Bank of America and have not paid back a payday loan. They have threatened to file the complaint unless I make some restitution today. The company is XXXX XXXX, and phone number is ( XXXX ) XXXX. They called from another number ( XXXX ) and when I tried to call that number, it was out of service. 

I do not recall having a Bank of America account in which I took out a payday loan. 

This is the second time I have received a call regarding this charge. 

The first time was inXX/XX/XXXX on XX/XX/XXXX from a process server who then threatened an arrest warrant if I did n't comply. I tried to speak with an attorney who then attempted to make me pay the debt that day. I was threatened that if I did not make a deal that day to pay over {$7000.00} and sign an arbitration agreement then they would file the complaint in Texas ( this company is in New York ).
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section XXXX of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts : ( 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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( 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 XXXX 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 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account : opened XX/XX/XXXX XXXX Bal. {$170.00}, XXXX account : opened XX/XX/XXXX, Acct XXXX, Bal. {$2400.00}, XXXX XXXX XXXX Account : opened XX/XX/XXXX Bal. {$180.00}. Late Payments Account : XXXX XXXX Dates XX/XX/XXXX, XXXX, XXXX XXXX bank dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX