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

I am writing to formally notify you that I am a victim of a data breach, and as a result, I have become aware of fraudulent accounts that have been opened in my name without my authorization. I am requesting that all of the following accounts be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$7200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people. 

These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 30 days late report from XXXX XXXX financial department to all my credit bureaus, tis report came in 50 days ago, since then i have received letter from the creditor that i have provide it to all the bureaus, the letter is stating that was no 30 days late on my XXXX   lease. 
XXXX XXXX finances provided information to all the credit bureaus notifying them of the error, and yet my credit report was never updated in all of the bureaus. 
Please help me, thank you, XXXX
Product: Credit reporting or other personal consumer reports

Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Transunion Description of the Issue : On XX/XX/XXXX, I submitted a formal dispute letter to Transunion requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request.

However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA. Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed.

2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts.

3. Block the fraudulent account within four business days of receiving my identity theft report. 

Information Related to the Dispute : : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 

How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress.

What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Transunion : 1. Immediately removes the fraudulent account from my credit report.

2. Provides a detailed description of the procedures used to investigate my dispute.

3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report.

4. Ensures their practices adhere to federal laws to protect consumer rights.

Attached Documentation : I am including copies of the following documents to support my complaint : Identity theft report.

Additional evidence related to the disputed accounts.

Identity affidavit.

Conclusion : I hope the CFPB will investigate this matter and take the necessary actions to ensure that Transunion complies with federal laws. I am available to provide any additional information required.

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried several time to have the information on this account be updated. I am not disputing the fact that the XXXX XXXXXXXX XXXX account does not belong to me. I am disputing the fact that it is reporting as delinquent. The account was paid in full and the remarks on the account is reporting as charge off the account should report as paid in full also it is reporting a high balance of {$360.00} this is also incorrect, the account is also reporting transferred/sold this is incorrect.
Product: Debt collection

I am not liable for the debt with XXXX XXXX XXXX XXXX. I do not have a contract with the CBE Group. They did not provide me with the original contract as requested. They have continuously evaded my requests and still reported to the credit bureaus that this debt is valid during my dispute requests without providing the original contact. Thus, this is a huge indication that they do not have the original contract, and are trying to use evasion and other loopholes to claim the debt is valid.
Product: Credit reporting or other personal consumer reports

I have been disputing a XXXX  that is listed in my name that XXXX XXXX to me! I have NEVER filed a XXXX in my life and TRANSUNION is showing a XXXX XXXX XXXX XXXX XXXX in my name and has been since XXXX. There is nothing backing this on my credit report and they are illegally stating that it is verified as accurate by the company in which the XXXX XXXX  COURT DOES NOT and Ill repeat DOES NOT verify bankruptcies nor do they even report them to the credit companies. I was a victim of identity theft and TransUnion has all documents including a FTC ( federal trade commission ) identity theft report. This is NOT my public record and I have asked them XXXX times now to remove and they keep coming back saying verified as accurate by XXXX XXXX XXXX and that is a lie! They DONT verify or report anything! TransUnion used a XXXX party company that is reporting this information and it is not right. I have sent in a dispute letter and a response letter that was sent directly to me from the XXXX XXXX XXXXXXXX stating that they dont verify anything! TransUnion is the ONLY credit agency that is showing this! The Only credit agency! And the others arent because I DO NOT HAVE A XXXX  and I want this removed IMMEDIATELY I have sent in all the proper paperwork to support my dispute and TransUnion is breaking a law and the fair credit reporting act 605B statement that belongs to fair credit reporting act and they REFUSE to remove it and just keep coming back as verified as accurate and that is NOT TRUE!!! The courts DO NOT verify or report. So I am filing this complaint now because they are giving me a hard time about getting this deleted from my TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Student loan

On XX/XX/XXXX I made a payment online to ONE of my consolidated loans to bring that LOAN to XXXX. On Navient 's page it indicates that I was paying to Loan XXXX Consolidation. 

I paid {$40000.00} to bring the loan balance to {$0.00} before this TERRIBLE company was going to raise my payment. The company applied my large payment to both Consoliditaion XXXX and XXXX. I paid the amount to Loan XXXX and expected that loan to be at a a zero balance. I fully expect this to be reolved correctly and that Navient gets their act together and do what the CUSTOMER wishes. 

From their website : XX/XX/XXXX Payment {$40000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX 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 a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX for {$320.00}, XXXX XXXX on XX/XX/XXXX for {$400.00}, XXXX XXXX on XX/XX/XXXX for {$270.00}, XXXX XXXX on XX/XX/XXXX for {$1600.00}, XXXX XXXX on XXXX for {$780.00}, XXXX XXXXXXXX XXXX on XX/XX/XXXX for {$3700.00}, XXXX on XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX  on XX/XX/XXXX for {$2400.00}, XXXX  on XX/XX/XXXX for {$700.00}, and inquiries XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've reviewed all of the hard inquiries in question on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

EQUIFAX XXXX BREACH REF NUMBER XXXX FTC REPORT XXXX NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX  XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XACTUS-CP XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX - Received a phone call from XXXX (? ), spoke with XXXX at XXXX ; she stated I had an outstanding credit card debt, {$5200.00} breach of contract with GE Mastercard, stated I had never taken care of it, there would be an investigation and lien put on my assets, and threatened a civil lawsuit. They claimed to have sent me documents in the mail a month prior with an attempt to resolve. I asked them what address they had sent this to, and they provided a prior address I lived at over 9 years ago. I gave them my current address and they said they would mail me the documents. 

Prior to this conversation, they left a VM for my husband that same day. 

XX/XX/XXXX - I called GE Money and spoke with their recovery dept ( the account was under my maiden name- XXXX XXXX ). XXXX XXXX stated the account had ben closed in XXXX. When I asked if they could provide me information on the account, they said I needed to request this in writing. I requested a copy of my credit report from all three reporting agencies, and showed zero delinquent or past due balances. 

XX/XX/XXXX - Received a phone call from a courier service asking me to confirm my address. They gave me a case # and phone # of a law firm to contact as they claimed they did not know what was being sent to me. I called XXXX and spoke with XXXX at XXXX XXXX XXXX. He sounded very legit and was very empathetic to the situation. I told him I had not received anything in the mail and confirmed my address. He said he could send me a Docusign agreement via email and it would be valid for 24 hours should I want to settle out of court. I received it but have not signed or paid. 

I used XXXX XXXX XXXX XXXX XXXX years ago to consolidate and pay off any outstanding debt. When I spoke with them ( XX/XX/XXXX ) they said this sounds like a scam and not to engaged. To this day, I have not received anything in the mail regarding an outstanding debt from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to each credit reporting agency ( TransUnion, XXXX, & XXXX ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 TransUnion, XXXX, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputesd in correspondence. under the FAIR CREDIT REPORTING ACT, TransUnion, XXXX , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from TransUnion, XXXX, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act and 15 U.S.C. 1692G. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 while failing to provide documentation to justify frivolous entries on my credit reports. Account Name : Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : 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 an 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. 1681 Section 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. Numerous attempts have been pursued to rectify these reporting with no avail.
Product: Mortgage

I started with XXXX XXXX from XXXX XXXX who pre-approved me for a VA loan after he ran my credit and took all my information including my income, etc. and said he could do a VA loan for me up {$160000.00}. This was in XXXX of 2018. On XX/XX/2018, I found a brand new home for myself and my family and I signed a contract. We were to close on the home XX/XX/2018. Mr. XXXX assured us this loan would go through and everything was on track but as the days passed there was little to no contact from him.I began to get more and more weary of him especially when I was getting paperwork from Carrington Mortgage. It had looked liked he brought it another mortgage company without me being aware of this. I still was not able to get in touch with him nor was my realtor or the title company.But I was signing all paperwork that I was sent and giving all the necessary information needed to proceed with the loan. Then when I finally did hear from Mr. XXXX, he told me that the loan was to be postponed to XX/XX/18 because he had not ordered the VA appraisal yet. Our realtor, the builder, the title ; company was all waiting for Mr. XXXX to order the appraisal and give final approval of out loan so that the final closing date of XX/XX/2018 could be set and then the call came in to our realtor NOT to us that our loan was in fact denied. NO explanation was ever given to anyone especially us and we were never called, never sent a letter or anything!! Never use XXXX XXXX or Carrington Mortgate. EVER. Now weeks before XXXX my family was all packed up with no home to go to.
Product: Credit reporting or other personal consumer reports

My Constitutional rights arent protected by the agency reporting, the agency has to show proof of service for a debt that has flaws of inaccuracy In addition, proof of me waiving any rights to due process of law, therefore, The third party credit reporting agency need to provide me with those legal documents and not a claim of certified from a administrative entity.
Product: Mortgage

Shellpoint, continues to use abusive and harassing debt collection practices. They also, committed mortgage fraud. I have settled once with them and they refuse just like Ditech did in properly entering the judgement into their system. They now claim the trustee did not pay them the money for our bankruptcy chapter XXXX. Which violates my automatic stay again. I am tired of the fraud this company has committed for the second time in just a few months. I also, contacted their lawyer XXXX XXXX letting him know they continue to violate my automatic stay and falsify documentation.
Product: Credit reporting or other personal consumer reports

Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX XXXX Account Information Address XXXX XXXXXXXX XXXX XXXX MI XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments reporting 30-60 days are on my credit report from XX/XX/XXXX-XX/XX/XXXX. I reached out to XXXX via email XX/XX/XXXX asking that late charges be waived. I explained I had left an XXXX ten year marriage with XXXX children and struggled to establish myself after finally getting out. I received an email back XX/XX/ that they would remain. I also sent a certified letter XX/XX/ and received another notice that they would remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been impacted by Credit Karma for the past few years! They were ordered to correct the issues and all of us victims were due a settlement check which we had not received! Credit Karma is still doing the same thing that brought the civil lawsuit to the courts ; as of yesterday I have 4 pre- approval credit cards with high favor, 20 data breaches,1 password exposed. I initially submitted a claim back in 2019. I have locked my accounts on credit Karma, put security freezes in place, opted- out of pre-screens/ pre approvals. The company has been giving my credit report to companies I didnt authorize. I want them to rectify the situation, because I care about my personal and private information!
Product: Credit reporting or other personal consumer reports

All items listed must be shown and verified according to 15 US Code 1692g. XXXX XXXX XXXX must include all items listed to legally validate or verify the debt with me. If any one item is absent from the assignment of debt. Based on the full assignment of debt which XXXX XXXX provides to ALL its XXXX XXXX XXXX holders. I demand that XXXX cease reporting any debt by XXXX XXXX XXXX on my consumer report immediately.