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

I am a victim of human trafficking and debt bondage and am exercising my rights under Sections XXXX and XXXX of the Fair Credit Reporting Act ( FCRA ) to request that all listed accounts be blocked and permanently removed from my consumer credit reports across all three major credit reporting agencies : TransUnion LLC, XXXX, and XXXX. 

Under Section XXXX ( XXXX XXXX. XXXX ), consumer reporting agencies must block information resulting from identity theft within XXXX ( XXXX ) business days of receiving a request with supporting documentation. Additionally, under XXXX XXXX of the FCRA, consumer reporting agencies are prohibited from including adverse information in consumer reports if it resulted from a persons status as a victim of human trafficking. 
Fraudulent Accounts to Be Blocked and Deleted : The following accounts were fraudulently opened, reported, or negatively affected due to identity theft, data breached and my status as a trafficking victim and must be removed immediately from my credit reports : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( Unrecognized Account ) XXXX. Department of Education XXXX XXXX XXXX. XXXX  XXXX Servicing In addition, I demand the removal of any hard inquiries, collections, and associated derogatory reporting related to these fraudulent accounts. 

Pattern of Exploitation & Consumer Credit Harm : Since XXXX  XXXX XXXX posed as an authorized representative over my accounts and was listed on my credit reports as such, they have since been investigated by the FBI ; their actions have created a snowball effect of financial hardship. This has led to : Unauthorized third-party debt collectors accessing my credit profile. 
Hard inquiries without my consent. 
Collections accounts for debts I do not owe. 
Frivolous lawsuits related to fraudulent accounts and debts. 

Moreover, XXXX XXXX XXXX now XXXX XXXX XXXX XXXX has claimed to have spoken with XXXX XXXX in reference to an account they purchased. This fraudulent claim has led to them collecting on an account they were never authorized or granted access to. 

These violations constitute a direct infringement of my rights under FCRA XXXX & XXXX and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

I was in the hospital in XXXX of 2015 I XXXX, I was taken to XXXX hospital in XXXX, Calif and XXXX to the XXXX in XXXX, XXXX where there I was in a XXXX for three weeks. I am a XXXX patient and they have paid all of my bills and pre approved my stay. I received a bill from Healthcare Revenue Recovery group. Stating that I owe XXXX and if I do not pay it in 30 days they are going to file a judgment against me. I have called them at first they were not going to give me the creditor information, I have called all XXXX hospitals and physicians and all have said I have a XXXX balance. I do n't know what this is but a scam, and now they have my information please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, XXXX, and TransUnion are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Product: Credit reporting or other personal consumer reports

Ive be came a victim of fraud last year 2023 when some one broke into my wife car Ive Ben goin through the rope with identity theft Ive been contacted the local pd in they told me to cont cfpb
Product: Debt collection

ON AGAIN CONSERVE VIOLATING THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT ( TITLE X ). CALLING WORK, FAMILY AND FRIENDS REGARDING ACCOUNT XXXX. THIS ACCOUNT WAS PAID INFULL ON XX/XX/2019. SEE ATTACHED.
Product: Debt collection

A lady calling herself XXXX repeatedly called me to collect on a bebt that I incurred in 2007. SHe stated that if I did not make arrangement swith her yeaterday she would file a XXXX form with the IRS and then XXXX XXXX would firl a {$20000.00} lawsuit and if I did not pay, I would be jailed.
Product: Money transfer, virtual currency, or money service

This is to obtain a return for money wired through Chase Bank by me, XXXX XXXX, on XX/XX/20. The amount wired was {$2500.00}. I spoke with a bank executive and he recorded the details, then said I would be notified by mail if they could help. I was never notified. When I went to the bank to ask them about it, they said they would not be able to help me any further. I feel like they could have done more to help me. 
The money was sent from a request of a scam artist. I, did not know that it was a fake anonymous person. That's my complaint and I'm sorry for the inconvenience but I'm still would like to get my money back.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX as of today that my account with XXXX XXXX was charged off on XX/XX/year>. On XX/XX/year> I made full payment for the remaining of my balance that XXXX XXXX asked me to pay after my car was totaled. Please remove this charge off off my credit reports immediately.
Product: Credit reporting or other personal consumer reports

This complaint, is to rerquest the negative items of my credit report and found the following item ( s ) to be in error XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and ....

I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. 

I have attached a description of the tradeline that should be excluded from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of XXXX, we entered into a forbearance period with XXXX Bank on XX/XX/XXXX. At the end of the forbearance period, XX/XX/XXXX, we were required to respond to their offer of a mortgage payment trial period. Our response was affirmative and we began to make on time payments, XX/XX/XXXX. On approximately XX/XX/XXXX XXXX reported us as being in arrears to the following credit agencies : XXXX, XXXX, and XXXX, resulting in our credit scores plummeting. After speaking to XXXX, I ascertained that this action is in violation of the CARES Act that governs mortgage negotiations as the result of XXXX, and credit reports are, in the words of the Act, " the furnisher shall ( I ) report the credit obligation or account as current. '' Further, and importantly, we were never informed that during the forbearance period or the mortgage modification period, we would be reported as delinquent. 

Finally, TIAA Bank sold our mortgage to another furnisher and when I call to find a resolution, the bank hangs up on me. I was fortunate to have a number I could call and obtain an email address. The bank is not responding to my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting unvalidated negative information on my credit profile to the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Due to financial issues, I looked into and decided to work with a debt consolidation/relief company. Before missing any payments on any of my accounts, I updated all contact information with the debt relief company 's name and phone number and closed all the accounts included in the program. All of the accounts except the ones with XXXX XXXX began working with the debt relief company. Once the collections calls started coming to me from XXXX, I would answer them and inform them that I was participating in a debt relief program and that they should contact them directly. They insisted that they wouldn't and that the calls wouldn't stop until I made a payment. There were days that I received up to 12 calls from XXXX XXXX   until I started blocking the numbers I recognized were from their office. I have a few accounts in collections with them and I began answering one out of every five calls I got to remind them of the situation and let them know that they should be contacting the debt relief company. Today I answered an unknown call on my cell phone and told the lady the same thing, that I'd entered into a debt relief program and she told me that they would keep calling me until they received a payment. She also said that my account was going to be charged off after 5 months and asked if I wanted that and told me that it would negatively impact my credit. I have all of my phone records from XXXX showing the excessive number of calls I've received. For example, on XX/XX/18 alone I received 7 calls and those were only the ones that weren't from numbers that I had already blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to remove my name and close any accounts with American Express as an authorized user for this account and it is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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.

This is account needs to be investigated and deleted immediately from my file.

Please send me confirmation once complete.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This needs to be done.
Product: Mortgage

I purchased a condominium in XXXX 2015. I have excellent credit with a score of XXXX at that time. I sought out, and got preapproved for fixed interest rate 20 year and 30 year loan terms for 3.75 %. when I made my offer I was told the condo units needed XXXX approved financing and that I would have to use their mortgage company : pinnacle Capital Mortgage XXXX. So I talked to my preapproved banks and they agreed I had to go with such a bank, and they were not approved for it. I went through pinnacle and I am upset that their interest rate was 4.25 %. So, I feel I had no choice but to pay the higher interest rate. All the terms were the same and the only reason the loan officer would state was that " it was a condo '' so I had to pay a higher rate. I just feel this was unfair and should be reported to the proper agency to investigate. They have sold many condo units and was told they provided 90 % of the financing on them. Incidentally, my loan was sold from Pinnacle to XXXX mortgage 1 month after I closed the transaction.
Product: Debt collection

Company continues to furnish fraudulent accounts on my report. Please remove the listed accounts from my report this is a direct violation of 15 USC 1681. 
Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under XXXX5 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Checking or savings account

I am writing to file a formal complaint regarding the unresolved credit disputes associated with USAA ( Dispute ID # XXXX ). Despite having received a favorable resolution letter, the funds have not been returned to my account by USAA. As USAA has notified me of their intention to terminate our banking relationship, it is imperative that this matter be resolved promptly before my accounts are closed. 
Timeline of Events On XX/XX/year>, I submitted disputes for the following transactions : Three ( 3 ) charges of {$25.00} each Three ( 3 ) charges of {$100.00} each One ( 1 ) charge of {$98.00} On XX/XX/year>, USAA issued temporary credits to my account for these disputed amounts. 
On XX/XX/year>, these temporary credits were reversed and removed from my account without explanation. 
On XX/XX/year>, I received a letter from USAA indicating that the decision was made in my favor regarding these disputes. 
As of today, XX/XX/year>, the funds have not been returned to my account despite the favorable decision. 

My Attempts to Resolve This Issue I have made multiple attempts to resolve this matter through various communication channels : Multiple phone calls to customer service Email communications Live chat sessions During these interactions, I have been informed that there is no " direct phone line '' to the department that handles these disputes, which has significantly hindered my ability to resolve this issue. 
Request for Resolution Given that USAA has decided to terminate our banking relationship and close my accounts, I request the immediate return of the following funds to my account before closure : {$75.00} ( from three {$25.00} disputed charges ) {$300.00} ( from three {$100.00} disputed charges ) {$98.00} ( from one {$98.00} disputed charge ) Total amount : {$470.00} I have maintained records of all communications and documentation related to this matter, including the XX/XX/XXXX decision letter in my favor. 
Please direct all communication regarding this complaint to me at XXXX or XXXX I look forward to your prompt attention to this matter and a satisfactory resolution before my accounts are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a computer with a citi bank/Best buy credit card in XXXX and paid it off within the promo period in XXXX, my account was hacked and there were several fraudulent purchases. Eventually the charges were removed and I closed the account. Now, I'm having issues buying a home because they are still reporting late payments from XXXX on my credit bureaus. Ive called Best Buy numerous times over the last 3 months to get this resolved. Nothing has changed on my credit report and they refuse to provide a letter stating that there were no late payments. They directed me to have the lender call for a verbal confirmation but wouldnt provide a direct number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific information 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 nor authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA 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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Recently a debt of {$3000.00} for a medical bill appeared on my XXXX report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. XXXX needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. 

There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : The Equifax Credit Bureaus has failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded this account be Verified or Removed immediately : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA , and this account remains on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX/XXXX   XXXX {$0.00} XXXX XXXX {$28000.00} US DEP ED XXXX {$45000.00} US DEPT ED XXXX {$55000.00} XXXX XXXX {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance