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

I am writing to file a complaint regarding identity theft that has impacted my credit report with TransUnion. Despite my efforts to resolve this issue directly with TransUnion, the fraudulent information remains on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, TransUnion is required to block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving proof of identity, a police report, and an identity theft affidavit. I have provided all necessary doc umentation, and I demand that TransUnion immediately remove all fraudulent accounts and inquiries associated with the identity theft from my credit report.

15 U.S.C. 1681c-2, Fair Credit Reporting Act ( FCRA ) - " Block of information resulting from identity theft. ''
Product: Debt collection

I checked my credit and it said I had a collection never received a letter never received anything instantly went on my credit. First of all, they value my hippa rights .Second, my hippa right to privacy. All three of the credit bureaus should have XXXX due diligence under 15 U.S. Code 1681 - Congressional findings and statement of purpose 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.15 U.S. Code 1692e - False or misleading representations U.S. Code Notes prev | next A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.

( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
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 XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX in XX/XX/2020. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about JP Morgan Chase card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX file by JP Morgan Chase Bank on XX/XX/2019. Please remove immediately. 

Jpmcb - Card Service Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXXXXXX To whom it may concern : This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX Transaction which will be constituting a dispute. 

I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). 

XXXX XXXX XXXX - Protection of nonpublic personal information. 

XXXX XXXX XXXX ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that NELNET uses against XXXX like myself. 

The provisions of XXXX XXXX XXXX ( a ) state It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.
Product: Debt collection

William, Rush, and Associates contacted me about someone elses account. They have left frequent messages and the debt does not involve me in any way.
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 : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX 

They have violated my rights. 15 U.S.C. 1681 Section 602 states A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Virginia case # XXXX, XXXX XXXX case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # XXXX ...., this information was put on my credit report because of LEXIS NEXIS and LEXIS NEXIS 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 Thank you for helping rectify this situation. I feel at this point my rights have been violated.
Product: Mortgage

XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : XXXX XXXX XXXX, XXXX, XXXX XXXX # VA XXXX Dear Consumer Financial Protection Bureau : This is a letter of formal complaint regarding Ditech Financial, LLC, XXXX. XXXX XXXX, XXXX XXXX, SC XXXX handling of my loan and intended modification application submitted since XXXX XXXX, XXXX. 
As an honorable veteran who has served his country faithfully, I initially utilized my entitlement to obtain a home loan in XXXX. Since purchasing the above property in XXXX, the home loan has been " sold '' approximately four ( 4 ) times. In XXXX, XXXX XXXX 's acquired the Ditech brand due to FCC and your charges against Greentree Mortgage Company. Apparently, this acquisition has not eradicate years of Greentree Mortgage legal and unethical practices towards their consumers, because Ditech is the same, if not worse to their consumers. They are unethical, harassing me about my debt, calling all times of day and night, from different numbers, when I have told them not to contact me, being misleading and threatening towards me. 
Since Ditech Financial, LLC has handled the loan, my experience with the company has been totally reprehensible and a violation of my rights. The company has failed to appropriately handle my loan modification request submitted on XXXX/XXXX/XXXX, after I filed numerous complaints both, verbal, written and in contacting their corporate office. Instead of resolving the matter, my complaints aggravated the entire matter without any personal recourse or advocacy. In submitting the loan modification application, they would always provide " XXXX to XXXX '' DIFFERENT FAX NUMBERS TO EITHER SUBMIT OR RE-SUBMIT INFORMATION which has been very misleading. After submitting the information, they would always say " they did not receive the information. '' My PERSONAL INFORMATION WENT TO SOMEONE ... SOMEWHERE!!! With months of delaying the loan modification, my credit rating has been affected, additional costs have occurred on the loan and this ordeal has taken a mental and physical toll on me and my family. 
I am locked into Ditech being my loan servicer. At this point, I do not feel or believe that I am or will be treated fairly regarding my loan modification or any other matter. I am in financial distress, and I am not seeking to negate my financial responsibilities. However, I am attempting to work towards resolving my delinquent status and to modify the mortgage payments. 
Lastly, I and my wife are very disturb to the fact that Ditech had a third party to deliver a " door knocker '' to our address on XXXX/XXXX/XXXX with a number of XXXX. When my wife called the number it was a XXXX XXXX!! When my wife brought it to XXXX ' attention and thought it was intentional. They responded as if it was not a problem or concern. The next month on XXXX/XXXX/XXXX, the " door knocker '' had a different number, XXXX. 
Sincerely, XXXX XXXX. XXXX
Product: Checking or savings account

Make a long story short someone went and.stole all my info and was using my bank account I diputed several times, even went to the main branch with my lawyer and spoke.with the branch XXXX for XXXX hrs and they still allowed activity in this account I just want my XXXX back please Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$280.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is an ongoing problem since oveXXXX XXXX XXXX. Equifax has not been able to identify any problems and fix them. All the XXXX XXXX can be provided and my identity had been stolen for over XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of 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, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$50.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

ON XXXX 2022 I DID NOT GIVE AUTHORIZATION TO CAPITAL ONE AUTO FINANCE TO RUN MY CREDIT. I DID NOT APPLY FOR NO AUTO LOAN WITH THEM, HAVE NO OPEN OR CLOSE AUTO ACCOUNTS WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THE FOLLOWING ACCOUNTS ON XX/XX/2021 ISSUE HAS NOT BEEN RESOLVED. THESE ACCOUNTS ARE NOT MINE. 

1.XXXX ACCOUNT XXXX : XXXX 2. OPPITY FIN ACCOUNT NUMBER : XXXX 3. XXXX ACCOUNT NUMBER : XXXX 4.XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit card

I applied for an XXXX XXXX XXXX XXXX card in XX/XX/XXXX after seeing an advertisement on the company website in XX/XX/XXXX. The ad stated XXXX bonus points after spending {$1000.00} in first 90 days. I made {$1000.00} purchase within 30 days. When I called AMEX for the bonus XX/XX/XXXX, I was told, it will appear in my statement. It did n't show in my statement. I called AMEX today and was told that I had a similar card in XX/XX/XXXX that was cancelled in XX/XX/XXXX. The fact is the card was cancelled in XX/XX/XXXX. I am concerned that if AMEX ca n't keep track of the accounts, it does n't give me a good feeling about the security and reliability of their products. This is not an isolated incidence. There are other serious issues also with AMEX cards, one of them being canceling the card without customer authorization or discussing with the customer. I would like CFPB to do further investigation into the IT systems and processes of AMEX that leads to such issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Debt collection

I have contacted Enhance Recovery Col concerning a collections they have on my account, I have also tried to get this account verified through the credit agency and they have not provided me with an actual agreement, contract or identification for this account, I have a credit alert on my file that states I am victim of identity theft this file has been in place since 2015 this account states that you must call me at the listed number before issuing credit and this did not happen nor is this my account.
Product: Credit card or prepaid card

Hi. I am submitting a complaint in regards to Capital Ones application process. I submitted an application for a card. I got a denial but it didn't seem like it processed. I called and spoke with a rep, but she was speaking from a script. I feel like I was denied because I have a 7 year extended fraud alert on my credit across all 3 bureaus. I would like someone to reprocess my application and verify my identity. There is no reason why I should have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a report on TransUnion from a company called " XXXX ''. It was a hard credit inquiry. I have never heard of XXXX, never given them any information, nor given them permission to run credit. When I reached out to XXXX, the automated message for the phone number said they were aware of unauthorized credit checks reporting on TransUnion. I was unable to speak to a representative to ask how they got my information. Since they must have illegally gotten my information and illegally run a credit check, I called TransUnion to to report the fraud and place a freeze. I was unable to report the fraud online through their system, and it eventually locked me out of my account. It took me awhile to get in contact with a person on the phone, at which point they unlocked my account. I was able to log back in but unable to place a credit freeze, they were unable to help me and eventually hung up on me after transferring me around to different people and asking me multiple times to verify the same information I had already verified. End result is that there are companies who illegally have my information and are using it for illegal purposes, and TransUnion is aware about this and not doing anything to solve it.
Product: Vehicle loan or lease

When I applied for an auto loan, the XXXX was presented as 8.24 % and suggested that there would be a .25 % deduction on my XXXX if I selected to use automatic payments. During the disclosure process with the loan officer I explained that I did not receive my deduction of .25 % for selecting auto-pay. He explained that auto-pay was optional and that the .25 % was already included in the calculation of the XXXX. I explained that the information was misleading because on the website and in his disclosure he said that auto-pay was optional. However, it is not optional if the XXXX is included in what was advertised as the rate without the automatic payment. The information on the USAA website is misleading. Moreover, I have excellent credit and I have been a customer with USAA for over 20 years. My APR should not be 8.24 % it should be much lower.