23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. AMEX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, GA XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX CAPITAL ONE AUTO FIN XXXX RE. We have already disputed these accounts.
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. 

Account Name : XXXX  : Account Number : # XXXX Account Name : XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Checking or savings account

Capital one is currently holding the direct deposits of thousands of Americans living paycheck to paycheck. I was supposed to be paid on XXXX it is now XXXX  and I have no money in my account. Capital one had XXXX communication to even tell customers there was a problem. There are no updates when you call. They just say its a technical issue. I am hungry and have bills coming out that I will now be receiving late fees and overdrafts for. My credit score will likely be impacted. For no fault of my own. Capital one has been very sketchy and secretive about this issue and it should be illegal for them to keep OUR hard earned money!!! Compensation needs to be provided and accountability needs to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, Passport, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. and how is it that all 3 agencies are reporting differently on the same accounts. 

PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. 

This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. 

I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX inaccurate please delete 2. XXXX XXXXXXXX XXXX XXXX XXXXXXXX inaccurate please delete 3. XXXX XXXXXXXX XXXX XXXX XXXXXXXX inaccurate please delete 4. XXXX XXXX XXXX # XXXX inaccurate please delete REPORTING TWICE Yes paid off account reporting TWICE on credit report. Please delete immediately 5. XXXX XXXX XXXX XXXXXXXX inaccurate please delete 6. XXXX XXXX XXXXXXXX inaccurate please delete 7. XXXX XXXX XXXXXXXX inaccurate please delete
Product: Credit reporting or other personal consumer reports

To : U.S. Department of Education Student Privacy Policy XXXX XXXX XXXX XXXX, XXXX Washington, XXXX XXXX Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX XXXX to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Experian is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Experian also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity.
Product: Credit reporting

Transunion is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee I? Why is there a Pest Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.
Product: Vehicle loan or lease

My car contract is fraudulent and consumer rights were violated due to the fact I was charge a cash down payment in a finance transaction. Pursuant to US code 1605 ( a ) : The amount of a finance Charge in connection With any consumer Credit transaction Shall be determined as the sum of all charges. My down payment amount was {$2500.00} to drive off the lot with the car.
Product: Mortgage

PHH Mortgage is supposed to have my property taxes included in my escrow. Just like my last mortgage company that they bought me out of. Since I own a mobile home. Land, and house taxes are billed separately. The total amount is what my property taxes are, and have been for 5 years on my escrow with my last mortgage company. However they are only paying the land taxes out of my escrow and refusing to put my home taxes back on my escrow, and include it in my property taxes. This is already in my legally binding contract with the previous mortgage company that they bought me out of. I never had an issue with this for 5 years until PHH bought  me out of my mortgage with XXXX XXXX. I contacted them numerous times. Spoke to numerous " escalation '' managers. One named XXXX. He gave me his extension that he never answers and his voicemail box is always full. I get hung up on, I get excuses. But no answers as to why they removed my home taxes from my escrow account. I have never missed a mortgage payment. I'm on the verge of filing a lawsuit. I have been dealing with this for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recognized some fraudulent inquires that's being reported by Equifax that I tried to but Equifax told me that they couldn't not remove these unauthorized inquires because I didn't file a report through the CFPB. 

I'm filing a complaint now and these are the fraudgelant Hard inquires that are not mines and I did not give these companies permission to pull my credit. 

1. XXXX XXXX XXXX/XXXXXXXX 2XXXX XXXX/XXXXXXXX 3. XXXX XXXX XXXX/XXXXXXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXXXXXX 11. XXXX XXXX XXXX XX/XX/XXXX/XXXX 12.XXXX XXXX XX/XX/XXXXXXXX 13. XXXX XX/XX/XXXXXXXX 14. XXXX XXXX XX/XX/XXXX/XXXX 15. XXXX XXXX XX/XX/XXXX/XXXX 16. XXXX XXXX XX/XX/XXXXXXXX 17. XXXX XX/XX/XXXXXXXX 18. XXXX XX/XX/XXXXXXXX 19. XXXX XXXX XX/XX/XXXXXXXX 20. XXXX XXXX XX/XX/XXXXXXXX 21. XXXX XXXX XX/XX/XXXX/XXXX 22. XXXX XX/XX/XXXXXXXX 23. XXXX XX/XX/XXXXXXXX 24. XXXX XXXX XXXX XX/XX/XXXXXXXX 25. XXXX XXXX XXXX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried resolving this issue, but no response. I sent a letter on XX/XX/XXXX and XX/XX/XXXX. I have made multiple phone calls prior to this, but the issue still has not been resolved
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I completed an application to release a cosigner in XX/XX/year>. I was sent a letter from Mohela denying my request. The only option to appeal the decision was to call them which I did. I spoke to someone who listened to my " appeal '' and said that the matter was being forwarded to someone for review. I never heard back regarding that appeal. 

XX/XX/year> I called Mohela to ask two questions, to find out my overall account number and to check on the status of my appeal. I received my account number and was transferred to an advanced care team ( or something like that ), however, I was never transferred and I was hung up on after the computer was asking about my experience. Like an XXXX, I called back, and after waiting another 18 minutes to reach someone I was transferred again to the same care team ( which I expected ) - after waiting on the line 1 hour and 46 minutes (!!!! ) I finally hung up from exhaustion and extreme anger. While I was on hold almost two hours, I called from my work number but after 27 minutes on hold I hung up that call too. 

It is absolutely unacceptable that they don't have enough staff to answer phones or take the concerns of their borrowers seriously. I have been paying my loans on time for over 10 years, and I'm treated like a XXXX XXXX XXXX  XXXX to these people. XXXX XXXX Mohela, and let me know the status of my appeal!!
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX, ( XXXX ), ( 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 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of XXXXwo credit cards one with XXXX XXXX XXXX  opened XX/XX/XXXX Account number ( XXXX ), and XXXX XXXX  opened XX/XX/XXXX Account number ( XXXX ), XXXX XXXX XXXX  XXXX opened XX/XX/XXXX Account number ( XXXX ), XXXX XXXX XXXXXXXX XX/XX/XXXX Account number ( XXXX ), and XXXX XXXX opened XX/XX/XXXX Account number Unknown. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts and collections result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting

After reviewing my credit report I found that this item was fraudulently placed on my credit during my time of XXXX. The Account is : XXXX XXXX XXXX amount {$4700.00}
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 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.
Product: Mortgage

We had a mortgage with XXXX and had difficulty paying due to daughters accident, and they offered us to apply for a modification from a phone representative, and said we pre qualified and we sent in all required documentation. And we were advised not to make payments on the file. Around XX/XX/XXXX we called to check status and they advised we were denied, but never got written confirmation, so we contacted an attorney, since they started the foreclosure process. We set up a mediation and attended and come to find out our loan was sold to Caliber, at this point me and the wife were in a separation of marriage, so she wanted to keep the house, we asked them if she could qualify on her own for a modification. She sent in all the required documentation again. This was around XX/XX/XXXX. Up to this point today our attorney still has n't received any written confirmation from the bank, and per law we should have received an acknowledgement letter within a few days confirming such. All she wants to do is keep the house under a modified payment that could be reasonable to her budget. I know some banks even process or approve a Principal Reduction type of modification as well to assist homeowners keep their house. Failing to acknowledge in writing is a direct violation of CFPB regulations. I am writing for assistance for her to keep this home with an affordable monthly payment