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

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Someone opened 3 XXXX  store cards in my name and I have no knowledge of these accounts.
Product: Debt collection

I sent a validation request via certified mail on XX/XX/XXXX and again on XX/XX/XXXX because I never received a response from the first letter. I also sent an email through their website and never received a response. The original debt is supposed to be a medical bill. The original amount listed is XXXX. They are reporting this as a collection/charge off and increasing the amount owed each month. According to the my credit report the amount owed as of XXXX is XXXX. This should be removed from all reports because they failed to reply within the allotted time frame.
Product: Mortgage

Freedom Mortgage increased my payment by {$500.00} a month. I received a late notice in XXXX. To cover for this difference, I sent {$1000.00} to cover for both XXXX and XXXX. My mortgage payment is on auto-pay and so the XXXX payment would be short as well. 
Freedom Mortgage received the XXXX payment and as-lied a portion to the XXXX deficit, then applied the balance to principal. They did not apply the {$1000.00} payment but held the funds for 18 days. They then assessed a late charge to my account for XXXX. Freedom Mortgage has receipt of the full payment, yet did not apply it to my account, further they charged a late fee.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX Account # : XXXX, have 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$52.00} XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX  XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$59.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$90.00} ; ( Original XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}
Product: Checking or savings account

I read the article from XX/XX/2023 that CFPB had instructed Bank of america to reimburse the overdraft fees that were run multiple times. 

I read that i did not need to file a claim and bank of america would voluntarily reimburse these funds. 

I have received no such reimbursements and mine is a multiple overdrafts with the {$35.00} charge
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records 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 or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit agencies a letter on XX/XX/21. It is now XX/XX/21 and i have not seen a investigation letter. It is more than 60 days. This is a misuse of my credit profile. Please delete
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

My spouse passed away XX/XX/XXXX. I received a bill later for a medical charge from XXXX, XXXX XXXX, CO. I sent a note back saying he was deceased. I received another bill and I sent a copy of his death certificate. Now I received a letter Service Credit Service to " COLLECT AND IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' i will be XXXX years old and on a fixed income due to his death. He was the main holder of our insurance through the Fed. XXXX XXXX. I lost my insurance plan due to his death and had to get my own individual plan and it was cancelled XX/XX/XXXX and then I had to get another plan which did not start until XX/XX/XXXX. 
Am I responsible for his medical bill? Since they do not accept the fact that he died and see his death certificate, what can I do? Will this affect my credit rating? Please advise what can be done.. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I hand wrote a dispute letter to Transunion to validate several accounts on my credit report. The letter was mailed certified on XX/XX/2022 and received by an individual on XX/XX/2022. On XX/XX/2022 I received a letter from Transunion stating they would not process my dispute because it appeared to have not directly come from me, and indeed it was me. I sent another letter certified mail stating i did request account validations and on XX/XX/2022 I called Transunion to confirm I was the individual that sent the dispute letter and request that they process the letter that was received by certified mail. The agent refused to confirm they still had my letter on file and to process it. I was told he would only do the dispute by phone. I would like my original request for debt validation to be processed
Product: Debt collection

see attachmentI am continually being called on the telephone by your firm over this alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt within 30 days after the date of this letter. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you stop contacting us on the telephone and restrict your contact with us to writing, and only when you can provide adequate validation of this alleged debt
Product: Payday loan, title loan, or personal loan

I am continuously disputing with  Freedom Acceptance.  I have disputed with every single credit bureau over 6 times because they keep putting incorrect information on my account. They have 'updated ' my amount owed multiple times with the wrong amount owed making it so I have to dispute again. They keeping changing the loan type from unsecured to secure. It is currently showing as secure and it was not a secure loan. The loan term is different on  XXXX  than  XXXX . The first late payment is different on  XXXX  and  XXXX . The amount owed is incorrect and each time I have reported this, they change the amount and is still incorrect. They would harass my soon ex-husband and myself via email for payments. They were adding on interest and late fees that were an higher amount than what was in the contract. On   XXXX     we were contacted via email saying we owed {$740.00} then on  X/XX/2015    we received another email saying that {$1000.00}. I have asked to have a full disclosure of the amount owed which was not only incorrect but they change the amount owed by cents or dollars so that it affects m y credit score.  They would use harassment tactic via email to try and get their money. In addition ; I submitted a claim to a previous complaint  XXXX  and according to  Freedom Acceptance  they granted me a {$510.00} credit to my account due to their civil lawsuit that they had in Colorado. However I asked for proof and I never received notice or documentation supporting which is required by the Consent Judgment. I Have also reached out to the Colorado Attorney General  XXXX   XXXX  and I am seeking further assistance on this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$38000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT XXXX XXXX  Commercial Banks XX/XX/XXXX TransUnion, XXXX Sales Financing XX/XX/XXXX TransUnion, XXXX XXXX  - XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX 15 U.S.C, 1681section 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A deeply concerning collection entry has appeared on my credit file from your agency without any prior notification or communication regarding this alleged debt. This unexpected discovery raises serious questions about the legitimacy and accuracy of the claimed amount, particularly given the complete lack of prior contact. Under the Fair Debt Collection Practices Act, I am exercising my fundamental right to request proper validation of this debt, as the current situation has created significant uncertainty and distress regarding my credit standing.
Product: Student loan

My federal student loans were recently moved to MOHELA. I called MOHELA with a question regarding my consolidated loans which are in an IDR plan and have been due awhile. They said they had no info on my loans pre-consolidation. They told me to call Dept. of Ed. I called XXXX and they told me MOHELA has to have that information. I want to know what happens to my payments on my loans when I first consolidated. 7 years later I went back to school, and my loan provider at the time told me I had to reconsolidate my loans to continue with IBR. So I want to know if my payments count towards my 25 years or not. No one can tell me. And if they don't then who I contact about receiving deceiving/predatory loan advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account
Product: Mortgage

I recently realized my mortgage payment was raised XXXX dollars per month for my home mortgage. Wells Fargo has given me a lot of conflicting information and mistrusts about this. One the phone, they have claimed that I have a negative escrow balance of XXXX dollars. My online account shows an escrow balance of XXXX dollars. The information they sent me after 3 transfers on the phone ( which all said they did not work for a department that controlled my mortgage ), show a different number. I believe Wells Fargo has manipulated my escrow numbers to make money. There own documents do no add up. They also have a history of malpractice when it comes to this. See documents attached.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  {$1300.00}, XXXX  {$4100.00}, XXXX XXXX {$500.00}, XXXX  {$0.00}, XXXX  {$0.00}, XXXX {$0.00}, XXXX XXXX {$180.00}, XXXX {$2500.00}, XXXX  XXXX  {$1300.00}, XXXX XXXX {$130.00}, XXXX XXXX  {$89.00}, XXXX {$610.00}, XXXX XXXX  {$1100.00}, XXXX  XXXX  {$8200.00}, XXXX XXXX {$460.00}, XXXX {$19000.00}, XXXX/XXXX  {$1900.00}, XXXX/XXXX  {$2200.00}, XXXX/XXXX  {$6100.00}, XXXX/XXXX  {$5600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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.
Product: Student loan

I consolidated my student loans in XXXX. It has been over 90 days and XXXX says they transferred my loans to Mohela on XX/XX/year> and this is what shows in FSA Student Aid website. However, if you call Mohela, they say they dont have my loans and don't know what they are talking about yet I have received 3 bills from Mohela that show I owe {$1200.00} this week and Mohela says they dont see that they sent me bills anywhere. I wrote on their new website and they said that yes, I owe that. They haven't applied my income based repayment either which means I wont get the IDR account adjustment ( this is what FSA told me ). I need real answers from Mohela, I need them to apply my IDR like they were supposed to. Also, I should be well over 120 payments for PSLF.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES. THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 15U.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 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 TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-2 ( A ) ( a ) 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