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

( XXXX XXXX XXXX ), ( XXXX ), ( 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 TransUnion 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 accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've listed 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

LoanDepot.com, XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Loan Number ... XXXX On XX/XX/2020 I paid my first payment on my loan of {$2700.00}, due on XX/XX/2020. It was deducted from my Bank account by electronic funds transfer ( EFT ). On XX/XX/XXXX their system automatically deducted an additional {$2700.00} payment and treated it like it was a regular mortgage payment, deducting for interest and escrow. 
I tried for weeks to get my money back by calling them and sending messages, but I still have not received a check or EFT refund of {$2700.00} as of the date of this letter. Two agents told me that the funds would be returned by EFT and the rest said that the check was mailed on XX/XX/XXXX. 
Finally, on XX/XX/XXXX a supervisor called me. He said his name was XXXX with an employee ID of XXXX. He said that a check had been mailed to me on XX/XX/XXXX but offered no proof that a check had actually been mailed. He suggested to me that I call my bank and ask them to stop payment on the XX/XX/XXXX overpayment. I told him that I thought it was probably too late to do that, but that I would try. He agreed to call me the next evening to follow-up. 
I called my bank on XX/XX/XXXX and they stopped the payment immediately and refunded my {$2700.00}. That evening XXXX called again, and I told him the good news. He said that he would simply put a stop payment on the check and that I didnt even need to return the check, if in fact I ever received it. I thought that was the end of this nightmare. 
Today, XXXX XXXX, I looked online at my account and discovered that their automated system is now saying that I missed the payment of XX/XX/XXXX and that I am 24 days late on my payment. 
I paid my XXXX monthly payment on XX/XX/2020. They have not returned any money to me. 

To avoid having their system charge me with a late payment, I submitted a payment on XX/XX/XXXX, to be paid on XX/XX/XXXX. Again, their system has deducted the payment twice, apparently because their system has recorded that I never paid my XX/XX/XXXX payment. This is a nightmare. 

There is no one I can call at the company to correct these problems. The company has taken on too many clients and does not have trained staff to correct problems with their system.
Product: Student loan

Navient came to me.and said they could offer me a student loan consolidation plan for XXXX dollars a month in perpetuity which I thought was absurd but after being assured my payment would never go up I agreed. Unfortunately for me this was not true and the company began expecting an exorbitant payment after one year. I told them this was a bait and switch scam. They said there was nothing they could do.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX FirstBank of Puerto Rico Charged-off a Credit Card account to another Debt Collection Agency called XXXX XXXX XXXX '' which is currently out of business. I settled with said entity shortly after. However there is grossly inaccurate information reported after the account was closed and remains on my Credit History up to XXXX of XXXX when the account was closed and settled, thus violating my right as protected in the COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written concent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is it that hard for the Credit Bureaus to remove the disputed Items from my Credit File? I have been sending letters to the Credit Bureaus to requesting the removal of the inaccurate personal information and Fraudulent account from my Credit Report. But despite all my extended effort to have the Credit Bureaus respond to my letters, I came to a realization that the Credit Bureaus have been ignoring my letters as well did not comply with the Fair Credit reporting Act section 605b. The Credit Bureaus continued reporting the disputed items on my Credit report without proper verification. The following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, are items incurred due to identity theft and must be removed from my Credit Report. If the Credit Bureaus claim that the Items belong to me, I will need the Credit Bureaus to provide me with copies of documentation which bears my signature to support the Credit Bureaus ' claim. If the Credit Bureaus can not provide me with documents I am looking for, I would greatly appreciate it if the Credit Bureaus would immediately remove these items.
Product: Credit reporting 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 : XXXX 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : SERVICED BY XXXX ) XXXX Balance XXXX {$4300.00} ; XXXX XXXX, PA XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Mortgage

I refinanced my mortgage with XXXX XXXX in XX/XX/XXXX. They sold it to XXXX, then to CHASE. I had made payments to CHASE since then. When I searched my MIN number with XXXX search, CHASE shows up with my MIN number and my ss #. But when I searched with my home address, I found that XXXX XXXX XXXX is current on my house search since XX/XX/XXXX. CHASE was shown to be inactive in status on my address search since XX/XX/XXXX( about the time I first started mortgage application on my house ). I became confused, held my payments and contacted the executive office of CHASE with the copy of the search, demanding an explanation. The only response I received in regards to the question was a Notice of intend to foreclose. I thought according to the Fair Credit Reporting Act, I should be made to know what is going on with my loan. Instead I get a foreclosure notice. I need help.
Product: Debt collection

I have received a multitude of calls for a XXXX XXXX. I have had this number for over XXXX years. There is a large XXXX XXXX here and I looked up her former addresses and she has lived in XXXX XXXX, XXXX and XXXX XXXX, XXXX. They have called XXXX times today and XXXX times since XXXX XXXX. Usually XXXX times a day, XXXX a week. Most collection agencies do n't call so much. I have the number blocked. According to XXXX these people are very rude.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute and Demand for Full Compliance with the Fair Credit Reporting Act ( FCRA ) Account Numbers : [ List disputed account numbers ] This is a formal demand for the immediate reinvestigation of the following fraudulent accounts listed on my credit report : Account Number : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX These accounts are fraudulent and have no basis in fact or law as they were neither opened nor authorized by me. In your prior investigation, you claimed the accounts were verified. However, your actions indicate a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough investigation.

Violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation when an item is disputed. The verification process you conducted was clearly inadequate, as no valid proof of my connection to these accounts has been provided.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Upon completing your investigation, you are required to provide a detailed explanation of the procedures you used, including the name, address, and phone number of the furnisher of information. This was not provided in your response.

3. 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. Continuing to report inaccurate and fraudulent accounts violates this provision.

My Demands : 1. Detailed Method of Verification : I demand a detailed explanation of how you verified these accounts, including : A step-by-step description of the reinvestigation process you conducted.

The specific documentation you relied upon to verify these accounts.

The name, address, and contact information of the data furnisher ( s ) for each account.

2. Immediate Deletion of Fraudulent Accounts : If you can not provide irrefutable evidence that I authorized or opened these accounts, they must be permanently deleted from my credit report under 15 U.S.C. 1681c-2 ( a ).

Additional Actions I Will Take : Should you fail to comply with the FCRA or provide the requested information within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ), I will take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Report your non-compliance to the Federal Trade Commission ( FTC ) and my states Attorney General.

3. Pursue legal action against [ Credit Bureau Name ] for willful or negligent non-compliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which entitles me to actual damages, punitive damages, court costs, and attorneys fees.

Enclosed are copies of my supporting documentation, including : A notarized FTC Identity Theft Report A copy of my government-issued ID This is your opportunity to correct these errors and resolve this matter amicably. I trust you will treat this matter with the seriousness it warrants. 

I expect your written response, including all requested documentation, within 30 days of your receipt of this letter.
Product: Credit reporting or other personal consumer reports

since XX/XX/XXXX, and every month their after I have sent dispute letters to the credit bureaus attaching personal identification to those letters which included an id, social and a utility bill. Asking them to validate and verify the accounts they have inaccuracies of. Which was not done on any occasion. I was never given a letter or response to the matters at hand. 


XXXX XXXX - XXXX I have no knowledge of this account, and the creditor has failed to respond to my requests for verification. This lack of response and the presence of unverifiable information on my credit file is a clear violation of federal laws governing credit reporting. 

Account Details : Account Number : XXXX Account Type : Collection Balance : {$4200.00} Date Opened : XX/XX/XXXX Payment Status : Coll/Chargeoff Violations : Failure to Verify the Account : The creditor has not responded to my requests for verification of this account. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], debt collectors must provide validation upon request before continuing to report or collect on an alleged debt. 

XXXX. Inaccurate and Unverifiable Reporting : By reporting an account without providing sufficient documentation to verify its accuracy, the credit reporting agency is in violation of Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], which requires that consumer reports contain accurate and verifiable information.

2. Failure to Investigate Disputes : If the credit reporting agency has failed to investigate my prior disputes or continues to report the account without proper validation, this constitutes a breach of FCRA, Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ], which mandates a reinvestigation of disputed items within 30 days. 

3. Reckless Reporting by the Creditor : The creditors failure to provide any evidence of the accounts legitimacy while furnishing this data violates FCRA, Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], which prohibits reporting inaccurate or unverifiable information.

4. Lack of Transparency in Reporting : The account lacks critical details, including the creditor 's name and contact information, making it impossible for me to validate or resolve the matter. This is a violation of FCRA, Section 609 ( a ) ( 2 ) [ 15 U.S.C. 1681g ], which requires that the source of disputed information be disclosed upon request.

5. Demand for Action : I am formally disputing this account and demanding its immediate removal from my credit report. Failure to delete this account and provide written confirmation within 10 business days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other appropriate regulatory bodies. I will also seek legal remedies under the FCRA and FDCPA to protect my rights. This is your final opportunity to comply with federal law and resolve this matter.
Product: Debt or credit management

In XXXX of last year I made a payment to XXXX XXXX at the number they provided on their website for Tennessee XXXX, that went through. Then next month I decided to pay the rest of this bill in full since I had a XXXX discount of 50 % at least that's what they told me, however I didn't notice that the numbers were different then what I was calling and decided to keep going without noticing the difference. This second number was XXXX XXXX and another was XXXX XXXX. I started to pay it off but more kept coming so I got suspicious. They also kept telling me that they'll help me and took my credit report as well.
Product: Debt collection

PNC Bank herein stated as " The Company ''. The company stated online and i have a saved printed copy that my next car payment will be on XX/XX/2020, now it appears that i have to pay immediately and/ or will face negative action.
Product: Debt collection

I had a XXXX  through XXXX XXXX XXXX ( XXXX XXXX ) paid for my yearly screening and I paid {$40.00} for a new XXXX XXXX XXXX I received a bill from them for {$60.00}, called and they said to disregard it and I will not receive another bill. I have the receipt from when I paid. I would appreciate it if this would be voided as I have never had to pay for the past few years. Thank you
Product: Credit card or prepaid card

I spoke to a associate on the XXXX of XXXX he advised me somone from the escalation team is going to contact me within 7-14 business days no one contacted me to get the card reissued i keep receiving mail from the company bbva telling me to use my card in order for to receive cash back offers. I have called numerous times to the company with no resolution or information on my account on the XXXX of XXXX I receive a email telling me to give them a survey on the resolution which I still have not recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have RECENTLY sent a notice for debt VALIDATION ON XX/XX/2022 not a letter for verification to XXXX to validate the alleged debt. I was sent back a letter of Verification stating that the deb was verified. in that letter in which I will attach to this complaint again I requested. 

The Following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : XXXX  & More which is attached in its entirety. 

I Stated You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 

I did not receive all information requested in my validation of debt letter. so I DEMAND these 2 accounts be removed IMMEDIATELY from my consumer report violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. 


XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ACCOUNT # 899285 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.