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

On XXXX XXXX there were five separate fraudulent credit applications that I did not consent to or have knowledge of until after examining my credit report on credit karma and was referred to this complaint process. Prior to this fraudulent activity an individual also attempted to withdraw funds from the bank account via social media and the police were told but did nothing to the culprit known asXXXX XXXXXXXX who is residing in XXXX TN. She obtained my sensitive information from her partner XXXX XXXX who had my information stored somewhere. The companies and their information is listed below. Thankyou for allowing me to submit this complaint and I hope it is resolved accordingly. Id law enforcement is notified Ill be happy to provide information. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/2022 under the account number XXXX ), an another at opened with XXXX XXXX XXXX  on XXXX XXXX under the account number ( XXXX ), another credit card open at XXXX XXXX under the account number ( XXXX ), and another credit card open with XXXX XXXX XXXX XXXX XXXX XX/XX/2022 with a balance of {$7800.00} that appears to be a card
Product: Credit reporting or other personal consumer reports

I

n 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. 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: Credit reporting or other personal consumer reports

I am writing to formally request the immediate cancellation and discharge of my federal student loan due to the recent data breach that compromised my personal and financial information. This breach has allowed unauthorized third parties access to sensitive data, including my Social Security number, drivers license number, date of birth, and contact information. Additionally, the breach has exposed the personal data of parents of dependent loan applicants, including their citizenship status and income information. 

This exposure is a direct violation of my privacy rights under multiple federal laws, including : 1. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) This law protects the confidentiality of student records. The unauthorized access to my private financial and educational data is a clear violation of this statute.

2. The Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) This act mandates financial institutions, including student loan servicers, to ensure the security and confidentiality of consumer financial information. The failure to protect this data constitutes noncompliance with GLBAs Safeguards Rule.

3. The Privacy Act of 1974 ( 5 U.S.C. 552a ) This act restricts the disclosure of personal information without consent. The breach has resulted in the unauthorized access and potential misuse of my personal records.

4. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) The exposure of my Social Security number and other identifying information significantly increases the risk of identity theft, potentially impacting my credit report and financial standing.

Given the severity of this breach, I no longer have confidence in the security of my financial obligations under the federal student loan program. This violation of my rights places me at an increased risk of fraud, identity theft, and further financial harm. Therefore, I formally request that my student loan be immediately canceled and discharged in full to mitigate the damage caused by this breach.
Product: Credit card

We pay Bank of America {$500.00} every XXXX weeks ( XXXX times per year ) automatically. The total amount due per month continues to vary right around the {$500.00} level. So now they have changed our minimum to {$550.00} total per month and are saying we are being penalized for not paying enough even though we pay well above the minimum monthly fee. Plus they changed our due date so we get another penalty. 

So net we pay {$1000.00} per month yet we get dinged even though we only owe roughly {$450.00} to {$550.00} per month.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX XX/XX/year> Reanso : I don't regnize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies involved : XXXX XXXX XXXX Mortgages company involved : Carrington Mortgages Services Monthly mortgage payments reporting inaccurate-over 90 days late on consumer reports due to mis-applied payments. This has caused loans to be denied and credit cards limits decreased which has exacerbated my XXXXXXXX XXXX  and XXXX as a XXXX vet. 

On XX/XX/2022, my servicing mortgage was transferred from XXXXXXXX XXXX XXXX Carrington Mortgages Services. That meant that after that date Carrington Mortgage Services , LLC collected my mortgage loan payments from me. Stated on first page, Nothing else about my mortgage loan will change On XX/XX/2022, amount due to Carrington Mortgage Services was {$0.00} On XX/XX/2022, amount due to Carrington Mortgage Services was {$2300.00} I made payment via my XXXX XXXX XXXX My bank statement shows the amount of {$2300.00} being withdrawn on XX/XX/2022 On XX/XX/2022, I received an Advance Notice of Late Charges in the amount of {$0.00}, if payment was not received by XX/XX/2022. 
On XX/XX/2022, amount due to Carrington Mortgage Services had ballooned to {$5100.00}. The reg payment increased to {$2700.00} including Past Due Balance of {$2300.00} My bank statement shows the amount of {$2300.00} being withdrawn from my XXXX account on XX/XX/2022. Carrington Mortgage Services withdrew the money but did not apply it to my mortgage. 
On XX/XX/2022, I received an Advance Notice of Late Charges that my mortgage loan was past due for XX/XX/2022 in the amount of {$2700.00}. If payment not received by XX/XX/2022 a late charge of {$110.00} will be assessed to my loan. 
On XX/XX/2022, I phoned Carrington Mortgage Services customer servicer inquiring why mortgage payment increased. The customer service rep advised that a tax analysis was conducted which increased the payment. I advised the customer service rep that my Notice Of Servicing Transfer stated that Nothing else about my mortgage loan will change. I also advised customer service rep that I was a XXXX Vet and that I was approved and received my Exemption Status Letter on XX/XX/2022 and my Residential Homestead Exemption Status Letter on XX/XX/2022. Carrington Mortgage Services should have received those documents because it should have been transferred with my file from XXXXXXXX XXXX I ask rep why those documents wasnt transferred over with my loan file, rep was not able to provide an answer. The customer service rep advised to send those documents to XXXX. 

On XX/XX/2022, amount due to Carrington Mortgage Services was {$5700.00}. Both my XXXX and XXXX payments were applied to Unapplied funds in the amount of {$4700.00}. 
On XX/XX/2022 I filed for Loss Mitigation workout option. 
On XX/XX/2022, Loss Mitigation Evaluation Notice Forbearance Plan was approved effective XX/XX/2022. The Plan was to provide temporary relief and determine the inquiry of tax exemption letter. 
XX/XX/2022, spoke to XXXX XXXX who advised me to send exempt letter, a second time to XXXX including Account number, name, phone number and uploaded document.
Product: Credit reporting or other personal consumer reports

Reinvestigation follow up dispute I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a property, and I noticed unauthorized inquiries on my credit report. Please remove all inquiries It affecting my credit scored can't purchase.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 card or prepaid card

In XX/XX/2021, I was approved for Apple Card. I requested the titanium physical card, and I have yet to receive it. I have called Goldman Sachs and Apple regarding this issue, and have yet to reach a resolution. After many weeks, a manager finally called me just to tell me that the issue is still being worked on. I do not understand why it takes so long to issue a physical card.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

EQUIFAX, XXXX, XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX XXXX XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : XXXX XXXX XXXX XXXX XXXX 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

I have advised the agency that this debt is in litigation and belongs to the primary XXXX XXXX. I have sent out a letter that I will attach asking that this debt be VALIDATED per letter instructions not VERIFIED. I also made them aware that the primary has documentation from XXXX XXXX that states that can not verify residency during the times that are being reported by NATIONAL CREDIT SYSTEMS which I will also attach. I am demanding that this false reporting stop immediately and be permanently removed from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

i have disputed this medical collection before and it was removed, however now XXXX  months later it back on my credit as a collection in all three-credit bureau. I don't understand how or who this collection company DRS why do they have my personal information. they have called family relatives asking if i was there and they would not provide any information. FURTHERMOR, IN ACCORDANCE WITH THE FAIR CREDIT ACT PUBLIC LAW 91-506, TITLE VI SECTION 611, SUBSECTION A-D, I DEMAND THAT THE COLLECTION COMPANY PROVIDE ACTUAL PROOF THE INFORMATION WAS VERIFIED, NOT A COMPUTER-GENERATED CONFIRMATION. 

1 -- THE NAMES AND BUSINESS ADRESSES OF EACH INDIVISUAL WITH WHOM YOU VERIFIED THE INFORMATION WITH ABOVE, SO THAT I MAY FOLLOW UP.

2 -- DATE YOU CONTACTED THE INDIVISUAL FURNISHER 'S INFORMATION 3 -- THE METHOD OF COMUNICATION THEY USED TO VERIFY THE INFORMATION I WOULD ALSO LIKE TO KNOW IF THE FURNITURE PROVIDEDED YOU WITH MMY SSN, ADDRESS OR DATE OF BIRTH
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX, Equifax XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number
Product: Credit reporting, credit repair services, or other personal consumer reports

Address was changed for all 3 of my credit reports for an address in XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting

After I entered all my personal information in Annualcreditreport.com it does not show me my credit report. It says that my information does not match with TransUnion records. Then it makes me confirm my SSN and still does not work. I have tried also directly from TransUnion Interactive website and it neither works. Before XXXX 2016, I was able to get credit reports from other sources as XXXX XXXX until it stopped working because of the same reason : my information does not match with TransUnion reports. I am absolutely sure that I am typing the correct information. I also created an account at XXXX with my social security number and I did not have any problem verifying my identity. I am asking for help here because Annualcreditreport.com contact form is not working neither. How can I ask TransUnion to verify my personal information so I can get my credit reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not reported any information re my credit card since XX/XX/XXXX I called XXXX and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is XXXX reported account closed with XXXX balance. XXXX insists they did not report this, however XXXX still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding 30 minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and XXXX claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car along with XXXX credit the car blew up if you see any news in 2014 theres a major issue with XXXX cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help
Product: Credit reporting or other personal consumer reports

Equifax has XXXX XXXX XXXX account XXXX remaining as a negative account when I filed identity theft and fraud reports with the FTC and CFPB under FCRA and further made them aware that this fraud was reported to the furnished in XXXX XXXX XXXX as well as the source. The credit limit is {$750.00}, and the balance of over {$1500.00} was reported immediately to XXXX XXXX as fraud and also gave them the source of the fraud. This account is under fraud and, due to identity theft, should be deleted immediately, given the additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. XXXX XXXX XXXX XXXX ( was not opened by me please delete the closed account ) The following inquiries were not done by me, so please delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently sent a dispute asking if the account on my credit report is correct and complete. They didnt properly look into it. I believe the information is still wrong and incomplete. This is really stressing me out, and Im feeling very down. Please help XXXXXXXX feel like my life is falling apart. 

Please know that I am the one submitting this dispute, not a third party.
Product: Debt collection

Today, XX/XX/2020 at XXXX PST, I received a call from an acquaintance ( not a spouse, never lived at his address, not a relative ) who told me a man came to his door and would not stop knocking for almost 30 minutes. When my acquaintance opened the door the man asked if he knew me - he said yes. Then the man asked if I kept an overnight bag there, and asked my acquaintance his name. When my acquaintance told him, the man stated his name back to him and substituted my last name as follows " oh so your name is really BLANK BLANK, '' inserting my last name. When my acquaintance corrected him and said NO, the man handed my acquaintance a four page legal document that contained some type of debt collection details and said give this to her. My acquaintance was appalled at not only this VERY obvious violation of my privacy and my rights, but at the disgusting tactics used by this man at trying to collect a supposed debt. I have sent the company a cease and desist in writing and filed complaints with the XXXX  for this situation. This company is violating the FDCPA by harassment and disclosure in addition to violating a previous request of no contact.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 before that the information is inaccurate.

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I request that the following fraudulent inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX