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

I am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. XXXX have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

By 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.

The following names on my report are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX The following address are in accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as a charge off is not accurate. 

XXXX XXXX listed as charged off is not accurate. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Missouri listed as charged off not accurate. 
XXXX XXXX DBA UOWNLEAEING Is not accurate. 
The following Hard inquiries are not accurate or authorized XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account listed is not accurate from XXXX AND XXXX XXXX XXXX XXXX amount owed is {$2700.00} not authorized. 
They have violated my rights under these laws.

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

15 U.S.C 1681 section 604 A sections 2 : It also states a consumer reporting agency can not furnish an 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 or 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 16815-2 ( 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

I Contacted Experian to have 2 credit cards which do not belong to me removed from my report. Both cards were opened 5+ years before I was even born. They removed 1 ( XXXX ) card, that was already closed, but declined to remove the ( XXXX ) card, that is still active. 

I also contacted XXXX XXXX customer service and they were unable to connect me to someone that could help.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I filed a formal complaint with XXXX XXXX XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX XXXX ) after discovering unauthorized credit inquiries on my credit report. These inquiries, dated XXXX XXXX, 2021, XXXX XXXX, 2021, and XX/XX/XXXX 2021, were made without my knowledge or consent and were associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for these unauthorized credit inquiries. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playspecifically, whether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt XXXX. If this is happening, it could result in false or misleading information on credit reports. Such inaccuracies not only undermine consumer rights but also jeopardize the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. 
Moreover, under Va. Code Ann . 8.9A-102 ( a ) ( 73 ) and Ind. Code 26-1-9.1-102 ( a ) ( 73 ), a secured party or creditors legal name must match exactly across all legal and financial documents, including credit reports, billing statements, and other associated records. If the legal name is not accurately reflected, it can result in significant legal and financial complications. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Mortgage

I'm the trustee of the estate this fraudulent loan was used for the loan application. As the trustee I hold title/Grant Deed and am the only single authorized persons to sign on behalf of anything regarding the estate/property in question. Solar Mosaic LLC approved a " Home Improvement Loan '' roughly around XX/XX/XXXX - Loan submission was XX/XX/XXXX. This loan had to abide by california and federal governing mortgage laws and proceeded with this loan without doing the first step of verfiying ownership. The contract states ( Use exact, full name ; do not omit, modify, or abbreviate any part of Debtors name ) This name does NOT match the Grant Deed - and the Grant Deed is clearly listed/owned/declared by a trust. The Certification of Trust is recorded public to obtain information beyond what was quite obvious. The loan documents establish Solar Mosaic LLC 's secured interest in the vested property. Loan processing should have caught this. Underwriting should have caught this. Solar Mosaic LLC sub-contracted a solar company called XXXX XXXX XXXX. XXXX pulled a city building permit with the city the estate is establish in, which the grant deed is recorded at. They acquired a permit, with the authorization of a fraudulent owner, a placed solar panels on a roof that isn't structurally sound. The roof was replaced in 'XXXX and the solar panels have a warranty of roughly 20 years. They also installed a new XXXX  - the house was build in XXXX and electrical hasn't been upgraded since. All electrical work must comply with the XXXX California Electrical Code, they'd have to rewire the entire house. There's no information provided that this was done and it was, it was done illegally and without authorization to make any adjustments. The borrower obtained this all by committing fraud and the companies involved failed to follow any basic compliance laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPT OF ED/XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, XXXX  encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. XXXX  XXXX  later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although XXXX claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, XXXX admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, XXXX acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from XXXX XXXX  that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. XXXX attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, XXXX insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from XXXX, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

XXXX  's actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.
Product: Debt collection

debt collection company ( Aldous & Associates P.L.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  keep calling me every single day to collect a certain amount ( $ XXXX {$140.00} ), which they said was the monthly gym membership fee ( XXXXXXXX XXXX XXXX ). The amount was disputed by my bank because the gym deducted the amount from my bank account after the membership was cancelled a month before the pay date, and it was returned after I got my money back from them through my bank. The company is very annoying and unbearable and threatened me more than once to hit my credit score and ruin my reputation with the lenders if I did not pay the above amounts.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this message finds you well. I am writing to seek your assistance regarding a troubling issue with my credit report. 

Recently, I discovered that an account from XXXX XXXX XXXX  which I had previously disputed as fraudulent, has been reinserted into my credit report by Experian, XXXX, and XXXX. This is despite the fact that I had provided evidence of the fraudulent nature of the account, including a police report and a report filed with the Federal Trade Commission ( FTC ), leading to its initial removal. 
I am deeply concerned about the implications of this reinsertion on my creditworthiness and financial well-being. It is distressing to see this fraudulent account resurface without any notification or explanation, especially after I had diligently followed the proper procedures to dispute and remove it.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Money transfer, virtual currency, or money service

I was a victim of identity theft paypal allowed an individual to hack my account and take all my money. This occured on or about XXXX XXXX of XXXXThe funds were eventually returned by paypal after I filed a dispute with their claim department. I explained to one of their representatives that, I will not authorize anyone to make any changes to my account. On XX/XX/XXXX, XXXX paypal allowed someone to create a false account and take all my funds out of my account again. They claimthe person verified himself to be me. I ask to view the audio of the conversation to show the voice was not me. Paypal owes me {$370.00} that's all I want in a check mail to my address on file XXXX XXXX XXXX XXXX XXXX, Fl XXXX, after which I request the close out my account and delete any and all of my personal information. This is the second time they have allowed someone to easely pretend to be me and accumaulate my funds.
Product: Credit reporting or other personal consumer reports

Experian I had requested an investigation upon my account since the discrepancies have not been resolved. I am asking for a re-investigation and to be advised which method of investigation was done. Simply contacting the creditors, does not resolve the issue because they are the ones that are providing incorrect information. I expect an actual Investigation, not just hearsay words from the creditor. 
Please see my previous complaint where I submitted a copy of my drivers license and social security card. 
Thank you for your time XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$5100.00} ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I made an online purchase on XX/XX/XXXX that as delivered to me. I then returned the items on XX/XX/XXXX and purchased other items. I did not get the correct credit and THEN on XX/XX/XXXX someone used my card to make additional purchases that I did not authorize on XX/XX/XXXX. I filed a fraud complaint and was told that the order on XX/XX/XXXX was mailed to me. IT WAS NOT! The tracking number they gave me isn't even accurate. I want the charges of {$120.00} removed.
Product: Payday loan, title loan, personal loan, or advance loan

Solo is a peer to peer loan app, you can ask for a loan from people on the platform and pay them back with XXXX says of borrowing funds via your back ACH or your debit card. I requested a loan for {$570.00} on XX/XX/XXXX and tipped the lender {$30.00}. Tipping is required to the lender and you can pick the amount of the tip. The lender can ask for a bigger tip, but you have the option to decline their offer and receive another offer from another lender. I accept the offer and setup a payback date of XX/XX/XXXX to be withdrawn from my debt card. On the due date the transaction posted to my bank account and cleared on / XX/XX/XXXX. 

Here 's the issue, the merchant 's app showed my profile was past due on the due date the loan on XX/XX/XXXX and had my pending payment on my profile, and by XX/XX/XXXX, I received an email from the merchant saying I was past due and was going to be charged a late fee. 

I immediately email support and provide the screenshots of my bank account showing the payment was pending since XX/XX/XXXX and cleared on XX/XX/XXXX. I received an email saying my ticket was escalated and haven't heard from them again. 

Today, XX/XX/XXXX, I received XXXX duplicate emails stating that my bank blocked the merchant 's bank from running my card. I contacted my bank and found out Solo has been excessively running my card for the amount already paid to them since XX/XX/XXXX. My bank said they ran my card a total of XXXX times, which flags my account and notify their bank that they have been blocked for XXXX hrs and can try again. 

My bank has blocked Solo and suggested I dispute the charge to get the money back since Solo lost the payment and is not attempting to fix the issue in a timely manner. 
I chatted with a agent with Solo, who admitted this is their error and don't have an ETA for a resolution. In the meantime, Solo is causing serious issues with my bank because their system is going to protect mode because of Solo 's excessive attempts, the lender with Solo has not been paid and my history with my bank and Solo is being demolished. 

I just want them to fix this, they have nothing but issues and the cause so many problems because of their app problems
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company ( citzens bank ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake.

I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time.

Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed Thank you XXXX XXXX
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 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, these federal laws are Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act XXXX, equifax, XXXX have serval different reports please INVESTIGATE PLEASE immediately there is wrong information please remove immediately these accounts this will be last time
Product: Mortgage

ILLEGAL CONVERSION WITHOUT MY CONSENT! 
My signature was forged! This was a violation of my constitutional rights! 
The Bank of America never put up any money, they borrowed money using my signature and converted this transaction from a mortgage loan to shares without my consent or knowledge. These shares have no connection with a mortgage loan so, This was Conversion of a loan without disclosure, Mers transferred title to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I gave them XXXX down and the money taken at closing belonged to me not them and it was taken for 1 ) Tranfer of title2 ) payoff the note3 ) transfer was never satisfied. They wired themselves from the Mers IRA and The Keogh Account that are owed by the State of Louisiana and held on deposit by the banks. 
When the banks said to their counter criminal, how are we going to be paid back? You owe the feds for 20 yrs of budget overrun, go get the homes one at a time! But we owe the owner for the  HUD1 closing for the wires that you stole, The criminal in charge said, Its your problem! 
Mers is the creditor and I am the successor not anyone else, this was a deceptive move with criminal intent, people were too trusting. I am stating a claim on my own behalf and I DID NOT ABANDON my property, trusts, etc. 
it was stolen from me through crooked avenues an this has to STOP NOW! 
facts through evidence of documentation which clearly states that America 's Wholesale Lender is not a corporation that ever existed, and is named on the Deed of Trust. Bank of America wrote the loan and property is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX denied being owner of loan and property yet an Assignment of Deed of Trust was recorded in the Land and County Records. Upon foreclosure of the property, XXXX XXXX XXXX XXXX XXXX filed a recorded deed as owner of the property in order to foreclose. Once they filed the Deed of Record, they were able to take possession of the property and filed a foreclosure. XXXX XXXX XXXX XXXX XXXX was the buyer at Auction. Why would you purchase the property if you owned it to begin with. Im now out of my home by force of the state, unlawfully, the banks put up no money, I signed my name then they converted it to a securitized mortgage of which I wasnt informed in writing and now receiving a XXXX tax bill showing this is a tax situation of shares that I did not abandon or receive any residuals. The public deception here is of the highest. Im requesting my property back through Escheat. I am demanding my XXXX back and treble damages for my pain and suffering. I am forwarding this to the President of the United States, DOJ, And Governor of Louisiana, I dont care who I forward it to, you will get my money and home back!!!!