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

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit reporting or other personal consumer reports

Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : XXXX XXXX XXXX XXXX XXXX  - XX/XX/2023 Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially notified LexisNexis, youve sold access to my personal information to XXXX, XXXX, and XXXX without my written consent under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 


Despite two written requests, my most recent documented demand dated ( XX/XX/2023 Case # XXXX ) the non-certified item listed below still remains on my consumer reporting file in violation of Federal Law. 


Youve sold access to my personal information to XXXX, XXXX, and XXXX without my written consent under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

( 2 ) In accordance with the written instructions of the consumer ( XXXX XXXX ) to whom it relates. 

Under 18 U.S. Code 1028A that legally classifies that action as - Aggravated identity theft ( a ) OFFENSES.

( 1 ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

In the results of your first investigation and subsequent reinvestigation, you wrote that you verified from XXXX that these items are being reported correctly?

Who verified or certified this filing? You are willfully storing 3rd party information ( XXXX  ) within my consumer file thats non-certifiable, nor verifiable by LexisNexis ; nor have I granted you written authorization to do so!

The law is the Law! Ignorance of it is no excuse! The CFPB drafted these same laws for a reason, they need to be strictly enforced.
Product: Student loan

I have been on IBR for a year due to my income. It was time recertification and I did not get the email in time. They debuted XXXX out of my account instead of the XXXX. I then had to call the bank to stop the payment but they couldnt and I had to file a claim. They did this twice in XXXX and again now in XXXX. 
XXXX XXXX stated theta they put a hold on my recertification application but still put in for the money to be taken out. I was unaware of the hold until I called hem today. They said they couldnt stop it from being taken out because it has to be done within 3 days of the withdrawal. This has been an inconvenience and no one is trying to rectifying the problem. I want to pay my loan back but at the rate hat I was paying it last year.
Product: Credit card

On XX/XX/2014 I received a letter from Care Credit. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Product: Credit card or prepaid card

I bank with Suntrust filed a dispute on unauthorized charges on my credit card which was denied. 
There were 2 charges on my card for gift cards at a gas station in XXXX XXXX at that time I was in XXXX which triggered a fraud alert and my card was subsequently shut off after i verified they were not by me this caused me severe harm as I had no access to funds in the middle of nowhere in Montana heading back to XXXX The second charges were from XXXX XXXX XXXX XXXX authorized charges for a car rental which my wife rented and paid for by her own credit card for several months prior to the charges that showed up on my card her card was shut off for fraud entterprise wanted a card on file for the rental till she got a new one we were in XXXX at the time couldnt return car so I gave them my credit card info on the premise they would not charge it the rental was not in my name until my wife got her new replacement credit card These charges are around {$1600.00} subtrust has extremely poor customer service I had to wait hours on the phone filing complaints they just dont care
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Debt collection

In XX/XX/XXXX I had XXXXXXXX XXXX XXXX discharged from the hospital. I was home recovering when the news announced the COVID pandemic. I was to return to work post-recovery & I worked XXXX jobs/ XXXX full time & XXXX  on the wk ed at another facility. I am in XXXX  & when I was released to back to work all staff was either laid off or working a few hours each wk. All XXXX XXXX were stopped & the effect on our job was significant. A short lay off & then very low hours due to decreased clients. I was let go from my second job because of possible spreading germs from one facility to another, cutting my pay even more. The loans I had, I wanted to pay & had to get help to negotiate, I started paying in XXXX  & I hired XXXX XXXX & the bills I had were each settled in an agreement & I paid each month & just finished the program XX/XX/XXXX. Each bill was paid & discharged by XX/XX/XXXX. I received a letter back in XXXX from XXXX XXXX XXXX XXXX charging me for a bill that was being paid in my legal agreement. I faxed that to XXXX & they took care of notifying them the bill was negotiated & being paid. Then after finishing the program in XX/XX/XXXX I am now getting a letter from XXXX XXXX XXXX wanting paid for the same debt. My attorneys were with the program & I feel like I am being harassed.I dont think its legal to try to collect this money from a bill that was negotiated & paid & trying after I finished the pay off. I continued to work XXXX jobs to make sure these debts were paid & was not able to keep monies for retirement. I am down to XXXX job now & my husband has had several, XXXX, XXXX  from an injury in the XXXX XXXX
Product: Debt collection

I never took out this loan my identity was compromised via the dark web in 2015 I had no idea about this until I started a XXXX XXXX account
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2022 Amount {$2600.00} Account XXXX is PAID & CLOSED This hindering me from getting a loan a house & a car. 
I'm doing everything possible to moving on with my life. 
But this thing Charged off debt is creating dilemmas in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate account information with TransUnion that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from TransUnion, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that TransUnion share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue stress. I'm trying to resolve this issue. But I know my rights and the law. I just want TransUnion to abide by the law as well.
Product: Credit card

Hi, I received cash app credit card under my name. I never applied for it. Please contact them for fraud account.
Product: Credit reporting or other personal consumer reports

The following personal information pertaining on my credit report are not mine. Please remove them, I have submitted a complaint to the bureaus multiple times. I have listed the the inaccurate personal information for your reference. 

Inaccurate Addresses 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: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

We have been trying to a modification on our property for 3-4 years and still have not been settled. Started with CitiMortgage. First attempt, " denied '', income too great. They looked at previous years, not the reduced income to occur in the immediate future. Second attempt, " denied '' currant on payments, we were told we would have to get behind in payments, which we ended up doing. Third attempt, they lost paperwork and we were told we had to get currant with payments. We could not do that and they would not accept partial payment. they said all or nothing. Then it went into Forclosure and we found out it that XXXX turned the loan over to Seterus as the new servicer of the loan. It went into court for a Foreclosure date. Seterus agreed to attempt try for modification. XXXX requested that we go thru XXXX to assist us. we went thru the program and took the financial help class. We received approval and final modification documents, Took them to XXXX, signed them, notorized them and they were sent back. Payments to begin XXXX XXXX, XXXX. Tried to get auto pay set up for payments. Denied for that process, informed that figures in final modification documents were incorrectly calculated. were in the process of correcting and sending out the new documents. in the meantime went to Foreclosure court on the XXXX of XXXX XXXX. House was turned back over to XXXX. Received XXXX documents that evening. Signed, notorized and sent back that day. Been informed by Seterus that them documents figures are still incorrect again. we are still waiting receipt of the XXXX set of documents. Told it would be middle of XXXX, with XXXX payment of XXXX XXXX. We have continued to make our trial payments since XXXX XXXX. Also informed that none of the payments are credited toward the loan itself. Still do n't know if XXXX documents will be correct. This process has been a burden and stress on the family. I feel that this process has gone on long enough, longer than anyone else that I know that has went through a modification. Nobody knows what else I can do, or other actions to take. ( ie Lawyers and financial advisors )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$6400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX I, XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) is showing up as a hard inquiry on my report for both XX/XX/year> & XXXX XXXX, XXXX  and I did not submit any application for XXXX. This account is fraudulent and the hard inquiries are fraudulent as well. Please remove them.
Product: Checking or savings account

An unauthorized withdrawal for {$14000.00} was made on my business checking account on XX/XX/XXXX. I noticed in XX/XX/XXXX and contacted UMB Bank. I filed a STATEMENT OF UNAUTHORIZED DEBIT with UMB Bank on XX/XX/XXXX. 

UMB Bank gave me the name of who made the withdrawal. It was an XXXX XXXX XXXX. 

UMB Bank attempted to contact XXXX XXXX XXXX department, but they told them I had to contact them. I tried to contact XXXX XXXX, but they told me UMB Bank needed to contact them. 

I followed up with UMB Bank, but there has been no resolution. 

I also filed a theft report with the XXXX Police Department, but have heard nothing.
Product: Debt collection

XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account 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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX Account number : 25 UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Since XXXX I have been trying to settle a debt that the college says I owe. There was a glitch in THEIR system ( I have emails of them admitting error to the errors ). They issued my my student refund before settling my book store account, which came to about {$1200.00}. The college refused to give me my transcripts. I have since had a no asset bankruptcy discharged ( XXXX ) and this debt was listed and discharged as well. They also sold this debt to a collection agency, a couple of months after being notified of the filing and discharge. The same collection agency states that they did see that this debt was included in the bankruptcy and sent a request to the university that I be given my transcripts. However, the college is still requesting the balance from me before I receive my transcripts. It is ILLEGAL to attempt to collect on a debt that was discharged in a bankruptcy proceeding. The college attempted to tell me that the debt could not be discharged because I took out a student loan. However my student loan provider is in the process of discharging this loan due to the negligence and mishandling of student loan funds by the college in my case. The fact that I am unable to pursue a higher education ( which the same colleges should want ) at another university due to this college negligence is causing me a great deal of mental and emotional distress.
Product: Mortgage

I had signed up for online billing and notifications with my previous mortgage company ( XXXX  XXXX  ) due to my work overseas as a XXXX XXXX XXXXXXXX with the XXXXXXXX XXXX XXXXXXXX XXXX. I've been overseas in various assignments since XXXX, and mailing addresses changed with each assignment, leading to my opting for online communications. XXXX XXXX  apparently sold my mortgage to Truist in XX/XX/XXXX and Truist never notified me of the loan transfer. As a result, my auto-debit payments with XXXX XXXX  stopped stopped without me knowing, and I then missed payments with Truist. I never received communication from Truist. In XX/XX/XXXX, I learned that my credit score had dropped XXXX points due to Truist reporting that I was late on mortgage payments. I immediately ( XX/XX/XXXX ) contacted Truist and found out they were my new mortgage servicer and made a {$7400.00} payment to catch up loan payments and set up auto-debit payments with the new account number I received that day. Subsequently, I requested Truist modify its reporting to credit agencies due to lack of notification of the loan transfer and catching up on payments. Truist refused and sent me a letter notifying me of their refusal. I feel absolutely helpless due to the power that Truist holds over me. I have XXXX other negative marks on my credit history, and this reporting could last for several years, threatening my financial future. Truist has shown no willingness to take the right steps. Thousands of XXXX XXXX XXXX and military personnel working overseas at our Embassies are similarly helpless, particularly as the weak notification attempts ( assuming there were any ) are considered a box checked, without understanding realities of their new mortgage customers, many of whom are their customers not by any choices they made.
Product: Checking or savings account

I am an employee of XXXX XXXX University, which has contracted with XXXX XXXX ( a XXXX XXXX affiliate ) to administer its Health Savings Plans. At their direction I opened an XXXX account in late XXXX in order for XXXX XXXX to receive my payroll deduction and contribute its matching funds. That worked without incident until XXXX of XXXX, when my payroll deductions ( and employer matching funds ) began flowing into a new account which XXXX XXXX opened for me, without my knowledge. 

I did not discover this until checks I bounced checks for which there should have been sufficient funds. After several calls and email efforts, I was unable to resolve this with XXXX XXXX, so I contacted my employer. After several requests for assistance, they finally explained that this was a common problem with XXXX XXXX, and had affected many employees in XXXX. At that point, in informed my employer of the potential fraud associated with creating second accounts ( XXXX XXXX was the example ) and that I felt it was both her and my duty to report this to the CFPB ). My university representative secured a promise from XXXX XXXX to contact me within two working days. It is now the end of the third working day and I am reporting their actions to the CFPB. 

I have yet to have any success speaking with a representative of XXXX XXXXk. I am a sophisticated user of financial services, currently have accounts with at least three financial institutions and hold a XXXX. in an XXXX discipline. If I can not resolve this, who can?