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

I am reaching out to notify you that I have fallen victim to fraudulent activity. In my efforts to understand how to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As stipulated by FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, with reference number XXXX. The attached documents should facilitate the removal of the fraudulent accounts, erroneous personal information, and inquiries from my report. Below is a list of items that were added without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX Balance Owed : {$53000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX  XXXX Balance Owed : {$58000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$58000.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX Balance Owed : {$53000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance {$640.00} XXXX XXXX  XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX  FCU XX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receiving the request.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXXXXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX  opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00}
Product: Consumer Loan

On XXXX XXXX XXXX, my wife and I applied for a loan to remodel our basement room and qtr bath. Greensky approved us for XXXX dollars. we approved the merchant to take the XXXX first installment. On XXXX XXXX I receive a bill from Green sky for the sum of XXXX. The merchant somehow managed to get another XXXX WITHOUT OUR KNOWLEDGE OR CONSENT. We filed a complaint with green sky as to why we never received our alleged " XXXX '' and as to how the merchant got the sums without our approval. we have had a run around ever since. causing us XXXX monetary requirement for extra appraisals, and green sky hindered the police investigation for weeks before finally approving it, then I am also on my XXXX person handling my case, when I was told a month ago that it was kicked to the top officials for settlement. 
we have showed by letter, photos, when requested, and documents from others that the merchant never did more than XXXX worth of work before we fired them. he never bought material, and we were left with a clean up bill when they refused to come get their mess the merchant has offered XXXX When in fact he took without permission XXXX dollars. green sky sent us our package XXXX XXXX XXXX XXXX XXXX XXXX it came in my wife 's maiden name. we have been married for 10 yrs. also when we applied for the loan we used or submitted to the merchant our Drivers License. It will be 1 yr now since we applied for our loan, and proceeded to do our basement. We have spent close to a thousand dollars for appraisals, lawyers fees,, Yet Green sky still will not admit it sent the sky pass to the merchant directly. there is no other way the merchant could have gotten the money without scanning the bar code.
Product: Student loan

American Educational Services has breached the loan agreement ( " Agreement '' ) underlying my account. Since graduation in XXXX, this loan has switched servicers multiple times. It was initially handled by the XXXX XXXX. 
Pursuant to the Agreement, a borrower benefit of a reduction in interest rate, after XXXX on-time payments should be in place. 
In or about XXXX XXXX, AES began servicing this loan, inheriting the account from a prior servicer. In or about XXXX XXXX, I received notification of this change, and a form to initiate automatic payments from my checking account to AES. This seemed strange to me because the loan had always and has always been paid via automatic payments, and AES 's succession as servicer should not have altered my prior ACH agreement and long-time record of on-time payments. Nonetheless, I filled out the AES form and conveyed it to AES immediately upon receipt. 
Despite this conveyance, AES wrongfully stated that my XXXX XXXX payment was not made in a timely fashion. As a result, I was deemed permanently ineligible for my borrower benefit of a reduced interest rate. 
As mentioned, every payment ever made on this account has been made pursuant to automated ACH payment. If AES deemed any payment " late, '' such lateness was due solely to AES 's own negligence, breaches, or other wrongful acts. I did not learn about AES 's wrongful breach until XXXX XXXX, at which point I complained to AES and informed it of the facts of the situation. AES ignored the facts, and sent me a conclusory response denying reinstatement of the benefit without any explanation whatsoever ( response is attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over XXXX years. I have NO previous addresses. Credit bureaus XXXX, TRANSUNION AND XXXX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.
Product: Mortgage

They kept repeating the same paperwork over and over. I repeatedly had to resend my personal information and still to no prevail. I recently filed XXXX  and was making payments of XXXX and now their lawyer steps in and now they wants to increase it to over {$2000.00}. I told the XXXX attorney that I can't afford to pay that amount. Their words were, can you get some family members to help. I feel I am being forced out for the land. They ate fixing to build a grocery store next door and the surveyors marked over the land.
Product: Debt collection

Originally this debt appeared on my credit report XX/XX/XXXX of 2015. ProCollect appeared on my credit report as a collection agency XXXX for {$690.00}. I currently live on the this apartments XXXX and i had never lived on this apartments before. I move in to this apartments XX/XX/XXXX 2015. I contacted ProCollect to let them know that the debt did not belonged to me, but they were not able to locate that account that appeared on my credit report.So, i disputed this account XXXX i send them a copy of my social security and my driver license. XXXX removed the account from my credit report but XXXX did not remove the account stating that ProCollect had validated the account. I made several attempts again to contact ProCollect and i had to go through a lot of loops to find a person that was willing to help me, i explained him my situation he was not able to find that account with my personal info he had to search by the apartment complex and he located an account that was under someone else name. that person had my same last name so he told me to send them my personal identifications and a copy of my dispute XXXX that it seemed that my social security was attached to the wrong person. So i send those documents and i also disputed the account XXXX again. The re-investigation was finished on XX/XX/XXXX 2015 and once again XXXX is not removing this account from my credit report and ProCollect is not willing to help me on this matter every time i call they are unprofessional and they are not able to locate an account under my social security or legal name but they are putting something on my credit report that they dont have record of.
Product: Mortgage

Mr Cooper ( Nationstar ) withdrew four unauthorized payments from my account on XX/XX/26, resulting in a loss of almost eleven-thousand dollars intra-day, as well as incurring of excessive transaction fees from my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Urgent Alert : Immediate Action Required! 

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. 

Moreover, 15 USC 6801 underscores that Congress has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation.

15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither XXXX nor XXXX has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither XXXX nor XXXX has provided such information, thereby failing to comply with this regulation. 

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. XXXX and XXXX are in clear violation of this requirement. 

15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that XXXX and XXXX are failing to uphold these standards. 

Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately.

This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

I recently saw on my credit report that I was 120 days late as of XX/XX/2020! I'm not sure how this could have happened as I pay my card off every month and was not informed of these " late '' payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

was checking out a car and got couple hard inquires XXXX XXXXXXXX XXXX and, 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. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : 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 believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I modified my mortgage through XXXX XXXX  company on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times and talked to an XXXX XXXX about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to XXXXXXXX XXXX company, I have been emailed XXXX for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2019 I paid off my credit card account @ Chase Freedom. Fast forward to XX/XX/2019 and I receive a charge of {$11.00} on my account. How does Chase get away with bleeding customers for every penney? I called Chase Freedom and spoke to XXXX @ the XXXX office and all he could offer was lip service as he read the standard company manual!? He could careless if I closed my 4 Chase accounts? Horrible customer service!! Do not open a Chase Freedom account .... Go for XXXX XXXX!
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX / 16  I closed  XXXX  IRA 's that I had through Suntrust Bank. I instructed them to cut a check for {$30000.00} made payable to  XXXX   XXXX   XXXX  for deposit to an Annuity Account that I opened. They were instructed not to withdraw taxes because this was a rollover and no taxes were due. I received the check and deposited it in the Annuity account. In  XXXX  I received a call from my Accountant, who does our Income tax and asked me why Suntrust withdrew taxes from  XXXX  of my IRA 's. By doing that I had to pay taxes on that amount plus I incurred a 10 % penalty.  XXXX  IRA 's were rolled over :  XXXX  for {$2000.00},  XXXX  for {$1000.00},  XXXX  for {$13000.00} and  XXXX  for {$14000.00}. Suntrust withheld taxes on only  XXXX  of the IRA 's the one for {$14000.00}. The amount withheld was {$1400.00}. The other  XXXX  were processed correctly as they were instructed to do. I did not realize that they had withheld the taxes on this IRA until my Accountant brought it to my attention. I complained to Suntrust and they are not willing to accept responsibility and rectify this error
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/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 EXPERIAN 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XXXX XXXX account number XXXX,, a personal loan account opened at XXXX XXXX on XXXX the account number XXXX XXXX XXXX credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a bankruptcy account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under reference account number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached 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 # ( private case number ) 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

I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.
Product: Debt collection

Ive contacted the company multiple times regarding the validity of the debt and sent numerous letters with no response. In addition, thet are also reporting as open on my credit reports and as a collection agency they ca n't be reported as such. To conclude all XXXX credit bureaus are reporting some form of information incorrectly.
Product: Credit reporting or other personal consumer reports

Hi There, The below account is showing up under Closed Account in my Equifax Credit report, which does not belong to me, believe this belongs to someone else and mistakenly comes under my credit information, which is significantly hurting my credit Score. 

Credit Rating Company : Equifax Account : XXXX Company : XXXX XXXX Status XXXX XXXX Can you please investigate and delete this account info from my account? 

Best Regards, XXXX XXXX