23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 



XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : 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: Checking or savings account

Bank of America closed my account when they said there were fraud activity on my account that I have no idea about. My account were hacked and someone had power to regulated my account. I remember the next day I woke up and tried to login. My account were closed I was shocked and angry. They did not talk to me about it and not ask to verify any activity on my account. I remember one time someone tried to apply for credit card in my name. It was ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 



1. XXXX - XXXX XXXX. XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

This is a fraudulent account, someone opened in my name, several years ago
Product: Checking or savings account

I am a XXXX man who XXXX XXXX, there is this lady who came to my store said she needs to buy something and said her husband wants to send {$100.00} for what she got and I gave her my PayPal for the transaction, now its getting to my notice they disputed the transaction and I think they want to steal my money or goods PayPal just dropped me the notification and I think I want talk to help me out, Transaction id XXXX
Product: Debt collection

Im submitting a complaint against Commonwealth Financial Systems, INC. in regards to a collection debt placed on my credit report at all three credit bureaus. I have been disputing this debt all year and they wont remove it and I believe this debt doesnt belong to me and it should be removed from my credit reports ASAP. 

The information they submitted to me doesnt support that the debt belongs to me. The invoice they submitted doesnt have the full explanation of benefits and on the invoice it states XXXX XXXX XXXX. 

The reason Im stating this is not my medical bill is because I have worked for the same company for XXXX years since XXXX and I have the same medical insurance since XXXX. All the claims ( XXXX ) ( XXXX. Acct XXXX ) that were submitted by XXXX XXXX XXXX at XXXX for the date of service on XXXX/XXXX/XXXX had the correct medical insurance information and was paid by my health insurance company. There are no records with my health insurance company that this medical bill was submitted to them in XXXX. 

When I contacted XXXX XXXX XXXX XXXX in regards to the original medical bill they wasnt able to provide me with any information. They only information they were able to provide was my name and that the invoice had the wrong insurance company information on it. They werent able to provide the doctors name or invoice amount. 

The representative ( XXXX XXXX with XXXX XXXX XXXX XXXX informed me that this debt was sold to XXXX XXXX XXXX and he didnt have a record of Commonwealth being the collection agency and he wasnt sure why they referred me to contact them because there was nothing they can do. 

I feel this is not fair to me because I never received a copy of the bill. Im not sure who is at fault with providing incorrect information, if its the hospital but Im suffering from it. When I spoke with Commonwealth they informed me they would not remove this from my credit report unless I pay the full {$960.00}. 

I truly believe this is not my bill because all the bills submitted for service on that day was submitted to my health insurance company and they were paid. I also asked Commonwealth why did they wait so long to report this to the credit bureaus and they stated because they just received the medical bill in XXXX XXXX. 

If data is being passed from XXXX to collection agency to collection agency their might be an error with incorrect data being reported. Please look into this issue and remove this incorrect data from my credit report because the original creditors are not able to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's a derogatory reporting to my credit report from XXXX XXXX ; which is causing me hardship.They have sold my credit information to various credit collecting agencies.These agencies have violated me in so many ways. They are sending me letters, texting my phone, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our Cesti que trust. The violation becomes over kill, and is a Tort issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. According to HJR 192 these debts are not ours, because they are already paid. 

I can send in any documentation as requested. This include emails, text, letters, a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is listed illegally on my consumer report ( s ) in violation of Title 15 U.S.C.6801,6802,6803,6804 The XXXX XXXX XXXX XXXX ( XXXX ) was written into LAW by Congress and this firm should know it is Illegal for this Financial Institution! ( XXXX ) to transport my non public private information to a non affiliated 3rd Party without initially giving me NOTICE that I have the right to OPT out of credit reporting. This company also can not report this information without my PERMISSION they are blatantly violating my privacy rights which is ID Theft. 
I received no notice from this company and never gave them permission to report this information. I want this information removed immediately!
Product: Credit reporting or other personal consumer reports

I checked my credit report and there is a late payment appearing on SELF/XXXX XXXX well in fact I was never late. You can check on the attachment that is shows that is the only late payment appearing on my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have listed professional finance in first point as a collection online reports with them. This information should be removed by now as I have mailed certified letters to the corresponding companies. There are zero collections on my XXXX report therefore there should be zero collections for XXXX days and Equifax. 

XXXX certified mail numbers XXXX XXXX arrived around XX/XX/2022.
Product: Debt collection

CALL ME AT WORK WHEN I HAVE TOLD THEM I CAN ; T RECEIVE PHONE CALLS AT WORK. CONTACT FRIENDS/SUPERVISORS ABOUT DEBT
Product: Credit reporting or other personal consumer reports

XXXX : FINAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT UNDER FCRA SECTION 605B** To Whom It May Concern : This letter serves as a **FINAL DEMAND** for the immediate removal of fraudulent information that your agency continues to report in blatant violation of federal law. I have previously submitted a valid FTC Identity Theft Report ( Reference # [ Insert Reference Number ] ) and provided all necessary documentation required under the Fair Credit Reporting Act ( FCRA ) Section 605B to demand that the following fraudulent account ( XXXX ) be permanently blocked from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your continued reporting of this fraudulent account is illegal. Under FCRA Section 605B, once I have provided an identity theft report, you are required to **BLOCK** the fraudulent information **within four ( 4 ) business days**. Instead, your agency has unlawfully relied on an unverifiable response from the creditor, despite the fact that I have repeatedly informed you that this account is the result of identity theft, and the creditor has failed to provide **ANY PROOF** of goods or services received. 

Let me be clear : **your agencys failure to remove this fraudulent information is a direct violation of the FCRA**. You are not only neglecting your legal obligations, but you are also actively causing harm to my credit, my finances, and my personal life. You are exposing yourself to legal liability for this egregious conduct. 

# # # My final demands are as follows : XXXX. **IMMEDIATE and PERMANENT REMOVAL** of the fraudulent account ( XXXX ) from my credit report. 
XXXX. **Written confirmation** that the fraudulent account ( XXXX ) have been removed, to be delivered within XXXX ( XXXX ) business days. 
XXXX. **Immediate cessation of any further reporting** of this account to any and all credit bureaus. 

# # # Notice of Delivery : This letter is being sent to you **via certified mail** to ensure you receive it, and I am simultaneously submitting a copy of this letter through the CFPB online portal to ensure this communication is documented and received by your agency through multiple channels.

If these demands are not met, I will take the following actions without hesitation : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to report your agencys blatant violation of my rights under the FCRA.

- File complaints with the Attorney Generals office in my state and pursue any available consumer protection measures at the federal and state level.

- Pursue immediate legal action against your agency for actual damages, statutory damages, and punitive damages for willful non-compliance with the FCRA. This will include the recovery of attorneys fees and court costs, as your agency has now willfully neglected its legal obligations. 

This is your final opportunity to comply with federal law. If I do not receive confirmation that the fraudulent account has been removed within the next XXXX ( XXXX ) business days, I will proceed with legal action without further notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> Someone took my cellphone and got into banking and used XXXX to send money to separate parties. Bank of America doesnt want to help says they cant do anything and that the money has gone to XXXX transfer, this is a bank Ive been using for over 20 years and XXXX cant help me either there is no contact I

nformation to speak to anyone about fraud or payments. Police took the womans information down they have her on camera and its being perused by a detective. The phone numbers she sent money to have been contacted and say they have no XXXX transactions, however I have confirmation codes and names of people involved. Authorities and state of Florida will now be involved the total number is XXXX XXXX dollars ( one transaction being XXXX and the other being XXXX ) even though it shows on XXXX and banks site that large of a sum of money cant be sent same day. Only XXXX XXXX at a time. 

I recommend people not to use XXXX or have it attached to your account to transfer money and I recommend you pull your money out of Bank of America as soon as possible as they are no help even when you go into branch to speak to someone.
Product: Debt collection

Spoke to NCB Management about this account and advised them that the original creditor removed this debt because it was a result of identity theft. The original creditor from my understanding is XXXX XXXX They indicated they were not aware when they purchased the debt and further action would cease. Now they have put it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. 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 XX/XX/XXXX. This is all from Transunion Credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

I am currently an XXXX  client. I received information that I have a collection in from XXXX. but how do I have an account that is current and one in collections? i have tried asking them and they stated it is mine.
Product: Debt collection

Received a letter from collection company regarding a debt- National Credit Systems , Inc. stating a {$1900.00} debt was due. Sent certified letter asking for documents to validate debt. Instead of receiving information relating to the charges I received a letter in retaliation stating that they reported me to the credit bureaus for failure to make suitable arrangements and that they recommending the client proceed with additional collection remedies, garnishment of wages, Liens placed on property including, autos, real estate or other real property, seizure & auction of personal property, as well as other adverse action listed on the letter. To date I still have not received any bill or statement for these charges as requested via certified mail and received by National Credit Systems , Inc in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you as I have no any other choice. Somebody used my personal information and I do not know what to do now ... I saw my report and I got shocked. Can not understand what to do and I decided to write you guys. Those accounts are not mine and I do not recognize them I think its fraud and I am victim of Identity theft. Is there any investigation that you guys provide? I want to apply this investigation and that you can check as I do not want to have somebody else info in my own credit report also I wanted to apply for credit but I can not now since I have these accounts and since they damaged my score. I am very curious how come I have this misleading and I ask you to delete it please asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XXXX XXXX XXXX and the companies responded and some got deleted but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/ and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Mortgage

I am coming out of forbearance and I am attempting to secure a loan modification. This company, Caliber Home Loans, has been an absolute nightmare to deal with, and I have already filed multiple complaints regarding their communication tactics, lack of accessibility for XXXX persons, and outright harassment. The subject of this complaint is their refusal of my first " trial payment '' for my loan modification. 
I received letter from Caliber that my loss mitigation loan modification had been approved. In order to secure the modification would need to make three trial mortgage payments, which would be due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was also an escrow overage payment, I included a separate check to pay that as a one time payment. I was pleased with the terms of the modification, and sent an email to Caliber to ask how to submit a payment online. XXXX XXXX, a " Single Point of Contact Specialist III '' at Caliber replied that I could not submit a payment online until the loan modification was complete. I thought this was strange, but mailed two checks dated for XX/XX/XXXX, the due date for the first payment ; one the first trial payment, and another for the escrow shortage. 
Today ( XX/XX/XXXX ), I received another letter from Caliber. It said that they were refusing payment because the checks were post dated. It also contained the two checks I had sent them. It also contained a boilerplate response to " call us if you have questions '', but no other information. Per my previous communications with Caliber, I can not and will not speak on the phone with them, so this just added another layer of frustration. I had also emailed them several times between mailing the check and receiving them back to see if there were any issues that needed to be addressed, and never received a response.

This lack of customer service from Caliber has yet again caused me another hardship. I am trying to deal with them in good faith, but Caliber and its employees are continuing to be unreasonable. I really do want to get this loan resolved and current, but I do not feel that Caliber Home Loans is willing to work with me and is just nitpicking to be difficult.
Product: Credit card or prepaid card

On XX/XX/2018 I made a payment using a Capital One credit card to Patient Pay Services. This payment was for medical services rendered, but not yet billed to my insurance company. The total charge was {$1200.00}, but {$600.00} was paid using this capital one credit card. Shortly after I received confirmation the balance was paid in full, and given a Claim Recap from my insurance provider, stating that of the {$1200.00} billed, only {$33.00} would be my responsibility. After attempting for 2 months to procure a refund from Patient Pay services, I engaged the dispute team at Capital One. I submitted a formal request on XX/XX/2018 to request reimbursement. Initially, Capital One received my documentation, ignored it, and closed my case. After being notified of this, I contacted them and had the case reopened. After speaking with an agent in XX/XX/XXXX, I was informed one of my documents was incorrect. While speaking with the agent I uploaded the correct document. OnXX/XX/XXXX, I was notified with 2 letters using differing verbiage that my case was once again closed. When I spoke to an agent I received an apology and was told my case was open and being reviewed. Today, XX/XX/XXXX, I once again called and was told that my documentation, which clearly shows my benefits covering this charge, is not enough, and I must now procure additional documents to satisfy Supervisor XXXX, ID # XXXX, because she can not understand how to read a Claim Recap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX : {$250.00} ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$1400.00}