23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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, credit repair services, or other personal consumer reports

I am contacting your company because there is a fraudulent school account on my credit report which I keep contacting your company to have removed as it is fraud and does not belong to me as I am a victim of identity theft. My ex husband was deported for using my indentity as well as my sons. So please remove these items as they are fraud. The first item is a credit inquiries from XXXX  XXXX XXXX   XX/XX/XXXX which is fraud and I would like removed at once and the second item is XXXX XXXX known as XXXX XXXX XX/XX/XXXX for the amount of {$1400.00} showing up as a degetory item on my report but this is fraud because this item does not belong to me and I have continued to complain about it please remove this because it is fraudulent and was not opened by me as I am a victim of identity theft
Product: Mortgage

Hi, Myself and XXXX other siblings, Inherited two properties from our Fathers Trust in XXXX I, eventually bought out my XXXX siblings, to become the sole unmarried owner. I then hired West coast mortgage associatesXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX to complete the first XXXX. the balance owed was XXXX from my fathers existing XXXX XXXX.We Did the appraisal and XXXX Funded the loan... with her AKA ; XXXX Personal Mortgage company. this the first of many XXXX. in to play approx. XXXX XXXX to pay off balance and XXXX siblings. 
I started dating a gal I met on an online dating site in XXXX I then bought out the siblings on another home shortly after the new girl friend. I then completely remodeled the second property for us to enjoy in the mountains. and eventually turned it into a rental. after many costly XXXX. to once again draw money out to usually pay down maxed credit cards XXXX. 
this last XXXX of XXXX I accidentally found a complete set of Loan docs and Escrow about to lock in a few days! for XXXX XXXX on my one Primary house! so I called XXXX and asked XXXX is going on? She cancelled that loan, and said her and my now wife of only 2 years, and unhappy with the XXXX at this point. forgot to cc me on the emails like I had always done Religiously .... WELL 2 weeks later XXXX arranged for my wife to do a CASH OUT XXXX on both properties for about XXXX ; wife drove away XX/XX/XXXX and is still half owner & Served me Divorce Papers 4 weeks later & wants both houses RV Toys everything!!!! I can not even call XXXX XXXX XXXX XXXX company, because XXXX only on Title and half Owner. Come to find out my girl and XXXX were altering the XXXX properties about every 19 months while hiding all mail from myself, and keeping loan amounts within a {$100.00} of original Loan to hide the secondary principal Etc... so I think about 10 XXXX  in 12 years has been done!!! Shame on these People .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies involved and was told that would receive a letter in the mail which I did not receive.
Product: Checking or savings account

Ally Fraud department XXXX XX/XX/year>, XXXX, XXXX, XXXX, etc. 

Because of a wire transfer that they could not verify, they closed my account and severed my relationship with them. They never contacted me and I was told they could close an account at any time. 

I always requested payment ( about XXXX ) for my account balance and statements so that I could verify transactions. I have no statements because who is to think they need them. 

Sometimes the call would be met with a very cold response other times sounding more helpful. I have not received anything. I asked for a higher person to help but was never given one. 

Ally is not a good choice for an online bank because they can do anything they want suuch as holding your money. This causes severe difficulties because I need that money for bills.
Product: Checking or savings account

I received a letter on XX/XX/2022 from my branch indicating that they were closing my account for irregular activity and that they would mail me a cashier 's check within 15 days. It's been a year of going back and forth with US Banks Branch, fraud department, and Risk Department and I've yet to receive my funds. They froze {$10000.00}.
Product: Debt collection

A company by name of " Credit Mamagement Company '' ( which is how it is listed on my credit file '' placed a debt on my report for {$680.00}. Never heard of the company nor have I received anything in writing about this company and a debt. It just popped on my credit file and I do not have any collections on my credit file, which makes me very suspicious of who this company is. I do know by federal law, I am to receive any debt in mail especially if someone claims they are collecting on behalf of someone else, they also must be licensed and bonded in my state of TN to collect a debt, in which this company has violated by not following federal law and notifying me of a debt they are trying to collect that has been paid as it was nothing but cable boxes needed to be turned it, which they have been already for over a year and I do not owe a cable company, if I did they would not be giving me my current service now in my name. This company further more is not licensed and bonded in TN to collect a debt.
Product: Debt collection

XXXX/Sunbit has reported a charge-off on my credit report, which indicates that collection efforts on the alleged debt have ceased. However, it is well-established that reporting a debt to a credit reporting agency ( CRA ) constitutes a collection activity under the Fair Debt Collection Practices Act ( FDCPA ), specifically subsection 1692g ( b ). This position was explicitly stated in a letter from FTC Attorney XXXX XXXX XXXX to XXXX XXXX XXXX, which emphasized that such reporting falls within the scope of collection activities. 

Several court cases have relied on this FTC letter as persuasive authority, affirming that reporting a debt to a CRA constitutes a collection activity. Notable examples include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al., which recognized the act of reporting a debt as an attempt to collect the debt under the FDCPA. 

The FDCPA also prohibits debt collectors from providing false, deceptive, or misleading information about a debt to a CRA. This principle is particularly relevant in this case, as the alleged debt has been charged off. Once a debt is charged off, it signifies that the creditor has ceased active collection efforts and written off the debt as a loss. Yet, XXXXSunbit has reported the charged-off debt to CRAs, stating an amount that has already been charged off. This raises a critical question : Is the act of reporting this amount to the CRAs an attempt to collect the debt? 

Evidence from multiple court cases supports the stance that such reporting constitutes an attempt to collect a debt. For example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These cases illustrate that reporting a debt to CRAs, particularly when the debt has been charged off, may be deemed a collection activity and is subject to FDCPA regulations. Furthermore, reporting inaccurate informationsuch as the amount of a charged-off debtviolates the FDCPAs prohibition against false, deceptive, or misleading practices. 

In conclusion, XXXX/Sunbits reporting of this alleged debt as a charged-off amount to CRAs appears to constitute improper reporting and may qualify as an attempt to collect a debt. This reporting practice aligns with the FDCPAs definition of collection activity and conflicts with the statutes requirements for accuracy and transparency in debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a victim of fraud and the XXXX XXXX Breach and I have been disputing items on my XXXX and Experian credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with XXXX they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with XXXX and Experian. As of today XX/XX/XXXX my credit score with Experian is a XXXX and XXXX is a XXXX. My credit score is up and down as it pertains to XXXX and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. XXXX is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with XXXX they drop my score instead of completing the updates in which they were instructed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I sent out certified letters to XXXX, XXXX, and Transunion requesting to have proof of how they verified negative information placed on my credit report, and I have not had a response to my inquiry. 

As consumer reporting agencies, they are supposed to fully investigate and be able to provide proof of their investigations before they place anything on a consumer 's personal credit file, and I believe that they have not followed the proper investigation process before placing these items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE READ THE FEDERAL FAIR CREDIT REPORTING ACT AND IN THE LAW, CONGRESS SPECIFICALLY SAYS A CONSUMER ONLY NEED PROVIDE PROPER IDENTIFICATION. YET, EXPERIAN DENIED ME A CREDIT REPORT BECAUSE THEY STATED THE FCRA REQUIRES ME TO PROVIDE A UTILITY BILL. PLEASE HAVE THEM SHOW ME IN THE ACTUAL LAW WHERE IT STATES I MUST PROVIDE A UTILITY BILL. A FRAUD ALERT WAS PLACED WITH EXPERIAN IN LATE XX/XX/XXXX. I AM ENTITLED TO 2 FREE CREDIT REPORTS WITHIN A YEAR.

MY BIRTHDAY IS XX/XX/XXXX AND MY PREVIOUS ADDRESS HAS BEEN XXXX XXXX XXXX, XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report from Equifax, I have discovered fraudulent records on it, fraudulent information is being actively reported on it. I request the dispute and removal of these fraudulent credit accounts and hard inquiries. Accounts : XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX. Hard Inquiries : CXXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This company is reporting fraudulent inaccurate. information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

False claim of payment due From XXXX XXXX XXXX XXXX XXXX I rented an apartment through XXXX. I paid the rent for the first 1 1/2 years via cash directly handed to them at their office every month. Then after about 1 1/2 years they went digital and I was able to set up automatic monthly payments. 
in XXXX I received a bill for XXXX XXXX for damages to the apartment, ( I have photos that show there was no damage to the apartment ) I hired a lawyer and the management company backed out. 

Two plus years later I recieved a letter in XX/XX/XXXX from ProCom Services, a debit collection agency stating that I owe a month rent amount for the month of XXXX. I have bank statements showing I paid via automatic payments every month. 

Also after I showed ProCom proof of payment they then sent me, a few months later, a new debit of XXXX XXXX  of damages to the apartment. I have photos that show there was no damage to the apartment when I left. I hired a lawyer again back in XX/XX/XXXX to fight this claim. The lawyer did not hear anything back from ProCom after XX/XX/XXXX and then I found out a few days ago that since XXXX XXXX there is now a debit collection on my credit reports.
Product: Debt collection

XX/XX/21 Amt {$2400.00} I have knowledge of this account and I didnt not authorize to open it. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Product: Student loan

I received a private student loan from XXXX, under false pretenses as a former student at XXXX University. I have written to CFPB about this issue several times already. However, I was informed by both the U.S. Department of Education 's Ombudsman, as well as the Florida State Attorney General 's Office to contact you again, due to the latest update on Private student loan forgiveness through the XXXX. I was recently contacted by the U.S. Department of Education that my Borrower 's Defense Claim for my Federal student loans has been approved, and that my Federal Direct Student loans will be forgiven. I now ask the CFPB to assist me with getting my private student loans forgiven with XXXX or Campus Student Funding ( CSF ), formerly XXXX. I will also like to be reimbursed for all out of pocket payments I have been making towards my private student loans to date.
Product: Credit reporting or other personal consumer reports

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/year> Todays date - Friday, XX/XX/XXXX, XXXX No response. Please remove from XXXX, XXXX, and Equifax. The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. This information will help you recognize whether the debt is yours and, if not, how to dispute it. This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to XXXX, XXXX, and Equifax. After challenging the validity of the account I received feedback from XXXX, XXXX, and Equifax which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I reached out directly to the company that provided me with a letter on XX/XX/2018 stating that the account had in fact been settled. In conversations with XXXX directly theyd closed down their legal department and somehow was still managing to report this information inaccurately to the bureaus. After receiving the letters I once again mailed this letter of settlement that I received directly from XXXX XXXX XXXX to the bureaus and asked to verify the accuracy of the reporting that had been taking place. XXXX   then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. Both XXXX and Equifax did not update the status at all after receiving these letters. Subsequently even after sending the settlement letter to me directly XXXX XXXX XXXX continued to report my status as negative through XXXX on Equifax as FP and through XXXX on XXXX  with a remaining negative status on XXXX. This again impacts my ability to purchase a new home, apply for business credit, etc.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DP OF EDUC XXXX Balance Owed : {$4300.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

My information was a part of a data breach from Cash App causing denial & marketing issues.
Product: Debt collection

I informed company that name on account was not my information as I have no legal documentation with that name and that my spouse last name is on bill but I was not the one that opened account and that they need to fix this information and stop with the unnecessary phone calls as I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

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 XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts including XXXX XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX, opened on XX/XX/XXXXXXXX XXXX PREFERRED LEASE, opened on XX/XX/XXXX ; and XXXX XXXX, opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. These items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person responsible for the charges made on the accounts. Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit repor XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )