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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a natural person, I am a living human being, I have rights under 15 usc 1681. 
Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 usc 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

The following information reporting on my profile is a part of an ongoing criminal investigation. I have submitted a copy of my police report, I urge you to verify this with the FTC, and also the proper authorities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

An utility account with XXXX was fraudulently opened in my name in XXXX of XXXX. At the time, I was enrolled in credit monitoring services and contacted XXXX immediately. XXXX verified my social security number was attached to an order scheduled for an installment in XXXX. I was not a customer or a resident of PA at any time, nor had I provided my information for the purposes of obtaining credit to anyone. XXXX canceled the installation delivery, but refused to provide details of the name on the order. In XXXX of XXXX, they sent me to collections for {$750.00}. I have called XXXX several times about this matter and have disputed this with the credit bureaus. TransUnion states the account meets its requirements.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries within the past year that someone is applying for a car loan I did not authorize or in the market for getting a car loan. I recently contacted the credit bureaus in regards & was told that they can not be removed I have to wait 2 years for them to fall off my report Trans union 34 inquiries XXXX XXXX inquiries XXXX XXXX inquiries I have requested for old addresses be removed ignored as well as collection companies that fraudulent & they have been ignored I have called, wrote letters & nobody is doing anything they are reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by HSBC or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! HSBC, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An HSBC representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed on my credit report.
Product: Debt collection

TCI - Total Card, Inc. calls me incessantly about a debt they purchased from XXXX. I know XXXX as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, XXXX, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XX/XX/2016 from Total Card , Inc. stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Thieves attempted to open credit cards with XXXX XXXX and with XXXX XXXX XXXXXXXX. I put a credit alert on my credit files with XXXX. They say they also tell XXXX and XXXX and all three had it on my report. Today thieves opened credit cards with XXXX XXXX and with XXXX XXXX. The XXXX XXXX inquiry was on my transunion report. My complaint is that a credit alert appears to be worthless as credit cards can be open without contacting me despite the alert. I moved to freezing my credit report, but you should know that the credit alerts do not work. 

Thanks.
Product: Debt collection

Repeated phone calls from at least two different phone numbers to my work phone. Calls are made by an automated system and instruct me to call back a certain number. I began rejecting these directly to voicemail ( XXXX ; XXXX ). I am having my work number changed in the hopes that this they have a wrong number. 

Here is the text of all messages : Female Voice : " Today an order of validation : notice of demand was issued on & lt ; apparent account number & gt ; ( computer voice ) to be sent to & lt ; name similar to my name & gt ; ( computer voice ) in the next 24-48 hours. The opportunity to resolve on your own terms will expire upon receipt. Please call immediately at XXXX. Male Voice : '' Action message documented ''
Product: Mortgage

Last year, I was struggling to pay the mortgage after I came down with XXXX for a few months and couldn't work. I am a XXXX Veteran with a VA mortgage. 

I called Freedom Mortgage and they told me ( on recorded lines ) that I could take advantage of the Covid relief program and it specifically would NOT require me to pay a lump sum after it was up, nor would I have to go under a modification. The terms explicitly told to me over the recorded line was that " The several months would just be added on to the end of the mortgage and payments would resume as normal. '' I confirmed this multiple times during the call. 

Come to find out a few months later, not only had that program expired when the licensed agent told me that information, but the mortgage company wouldn't do anything about it and told me I had to pay ~ $ XXXX lump sum to catch up on my mortgage or modify it - the exact opposite of what I was specifically told. I fought with them and the best solution they offered was " we'll coach the agent so that they don't give the wrong info. '' I kept fighting it and eventually had to get a lawyer. During this time, the mortgage went unto foreclosure and legal fees were then applied on top of the lump sum. I was able to get enough money to cure the loan and bring it back to current. I verified XXXX times over the phone and even had a statement directly from Freedom Mortgage saying the loan was cured in full. 

XXXX months later, I get another letter telling me that I now owe $ XXXX in MORE legal fees! Freedom Mortgage did not know what these fees were, just that they were applied to the account. I refused to pay them and have the lawyer involved again. I am about to take this garbage company to small claims court because they keep giving me false information, they have the recordings and legal letters, and yet they refuse to back down from this racket. They told me my loan was cured, I paid off EVERYTHING in the bill from the law firm, and they keep trying to gouge me. I want action taken against these mobsters and get my extra fees refunded.
Product: Payday loan, title loan, or personal loan

on XXXX I applied for a loan for {$6000.00} and was sent paperwork being approved and signed contract and return it and never rec th money.
Product: Debt collection

Amcol Systems , Inc is fraudulently reporting a Collection Account to my credit file and I am not liable for any debt to them. I have requested multiple times for them to discontinue reporting this fraudulent collection account to my report and they have not.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and SELECT PORTFOLIO SERVICING are in violation of my consumer rights by improperly and unlawfully reporting missed payments my consumer report. This is a violation of my privacy pursuant to 15 USC 6801. Per the consumer agreement on file with Select Portfolio Services they will not share my information with third party companies. XXXX and XXXX are by law third party companies in relation to SELECT PORTFOLIO SERVICING. How did XXXX and XXXX verify this information if SELECT PORTFOLIO SERVICING doesn't share information with third parties? 
15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Both laws outline that my rights are being violated due to me never given the right to opt out of my payment information being reported which is my private information that should have never been shared in the first place. Also pursuant to 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report it is illegal to report transaction history ; 15 USC 1681b ( 2 ) I have never given written instruction to do so. Pursuant to 15 U.S. Code 6805- Enforcement the CFPB needs to enforce these laws which protect my privacy as a consumer. 
Furthermore, the Privacy ACT of 1974 clearly states that my privacy rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick of XXXX  and dealing with their incompetent representatives and asinine online portal. Every time I upload documents on XXXX website and call XXXX  to verify documents, they always state that the documents are not viewable. I have even paid for certified mail to be delivered to XXXX  address so that they can remove and block these fraudulent account. 

I do believe that XXXX  is lying and are not taken my fraudulent claim serious. I have been dealing with XXXX  regarding these fraudulent accounts for over a month now and nothing has been done to remove these fraudulent accounts. These fraudulent accounts do not reflect my credit worthiness and also caused me to lose out great job opportunities. 

Since we are living in a world where Covid caused a lot of people to lose their job and can not provide for their family. I am XXXX that XXXX is not taken my fraud claim serious. I am requesting for these following fraudulent accounts to be removed and blocked immediately due to identity theft : 1. APPLE CARD/GS BANK XXXX Account # : XXXX Balance : {$6800.00} 2. XXXX  XXXX XXXX Account # : XXXX Balance : {$580.00} 3. XXXX XXXX XXXX Account # : XXXX Balance : {$8600.00} 4.  XXXX XXXX XXXX Account # : XXXX Balance : {$28000.00} 5. XXXX XXXX Account # XXXX Balance : {$3700.00} 6. XXXX XXXX Account # : XXXX Balance : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, XXXX, Transunion, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I have been trying to transfer the account balance which was over XXXX XXXX I tried multiple times and each time I was getting error message and I was not able to withdraw the full available amount. I had tried multiple numbers which are less then the available balance but still had the same issue. I was able to transfer {$1000.00} to my bank account then I tried again the next day but still no luck. I called the customer service and explained the issue they checked the account and said there is no issue on the account I should try again later and use different bank account if the issue persist. I used my other bank account numbers to transfer but still have the same issue. They are telling me I should use my debit card to withdraw the money and there is a {$600.00} daily limit which is going to take me 12 days to be able to access my money. This is unacceptable and I would love to get a resolution. I asked for escalation they transferred me over the phone to the escalation team and after they put me on hold they person on the escalation team hang up on me and didn't call back.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and was riddled with XXXX  seeing a few inquiries that I did not authorize. I am working to get some credit and will be denied due to these errors being wrongly verified by the bureaus without my authorization.
Product: Student loan

My student loan servicer is Navient. I have made multiple attempts to discuss separating my student loan from my ex husband 's student loan. I have to act like a collection agency to get my ex to pay his share. Although he is listed I am the main borrower. I would like to accelerate my payments and get this taken care of but I can't do that with his loans on my loan.
Product: Debt collection

I received a collection letter from XXXX XXXX, XXXX Attorneys at Law attempting to collect on Loan Number XXXX with Bank of America, dated XXXX XXXX, XXXX. 

This mortgage debt was discharged in bankruptcy case number XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX were both included in the Certificate of Service, Certificate of Mailing and the final order discharging the debt. 

On XXXX XXXX, XXXX, XXXX Filed Case No. XXXX for foreclosure of the loan XXXX. On XXXX XXXX, XXXX, Order XXXX foreclosure was granted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed case number XXXX to proceed with the XXXX property for foreclosure and a foreclosure sale. Order XXXX was granted on XXXX XXXX, XXXX giving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the right to foreclose and proceed with a foreclosure sale of the property on loan XXXX. 

XX/XX/XXXX with the foreclosure granted and a foreclosure sale looming, I took a job in XXXX and I moved my family. We have not lived in the house since that time. 

Bank of America claims it took over the servicing of the loan from XXXX XXXX XXXX XX/XX/XXXX. I have records showing Bank of America was servicing this same loan under account number XXXX from XX/XX/XXXX through XX/XX/XXXX. When they claim to have started servicing this loan in XX/XX/XXXX, they were reporting it going back to XX/XX/XXXX. In XX/XX/XXXX, they were collecting on this debt and reporting this debt to credit bureaus even though it was discharged in bankruptcy court. On XXXX XXXX, XXXX, after fighting Bank of America for four years and two months, Bank of America finally realized that they were mistaken and were not entitled to collect and report the delinquency on this loan. 

In XX/XX/XXXX and XX/XX/XXXX, I attempted a short sale contracts with Bank of America which they declined both offers on the house. 

On XXXX XXXX, XXXX, the City of XXXX filed a lien against the property because they had to hire a company to mow the grass. 

XX/XX/XXXX, I had also attempted to do a Deed In Lieu of Foreclosure which stalled when Bank of America 's title company could not locate the title of the original mortgage I had on the house. 

On XXXX XXXX, XXXX, Bank of America started changing Assignments of this mortgage from XXXX, From XXXX XXXX XXXX to XXXX, XXXX and XXXX from XXXX, XXXX to XXXX XXXX. I 'm not sure but I do have an Idea of who owns the loan now. 


On XXXX XXXX, XXXX, Bank of America sends a Notice of Acceleration requiring {$190000.00} incurred post-bankruptcy from XXXX XXXX through XXXX XXXX. 

On XXXX XXXX, XXXX, I receive the letter of Collection from XXXX XXXX - XXXX, XXXX claiming that neither Bank of America nor they have any knowledge of the bankruptcy, which is pathetic on both Bank of America and the Attorney 's office.
Product: Credit reporting or other personal consumer reports

After reviewing my credit file I noticed numerous fraudulent inquiries I did not approve or have no knowledge of.