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

HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY COMPLAINT AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 6 mos ) Payment History Youve made 59 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. Remarks Consumer disputes- reinvestigation in progress Times XX/XX/XXXX days late XX/XX/XXXX Closed No Info IT IS NOW THE DATE OF XX/XX/XXXX DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX as XXXX  and XXXX XXXX XXXX XXXX XXXX is committing attempting to steal my property. 

My name is XXXX XXXX. Im am trying to help media exposure and help with obtaining a civil right attorney.

Im being harassed by a foreign entity. The City of XXXX Court of Common Pleas and the Recorder of Deeds is corrupt with illegal and fraudulent deeds, assignments, notes. The Court has fraudulent paperwork causing severe harm and illegal paperwork in the court of law to sue without proof of claim. Police report was filed with the Police Police Department almost a year ago without any investigation being completed. Im a victim being attacked in the Commonwealth of Pennsylvania and NO government is completing due process on my behalf. I AM A VICTIM WITH NO PROTECTION! The Court and Police system is CORRUPTED and under ATTACK BY ILLEGAL PRACTICES. I NEED HELP. All my civil, human, homeowner, privacy, constitutional, consumer, citizen, fair housing rights are being violated. I would like a meeting. 

Mortgage backed securities fraud- XXXX XXXX  XXXX XXXXXXXX XXXX as trustees for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX all continuing mortgage securities fraud on my home trying to foreclose illegally. All the above entities lave been sued by the DOJ for this fraud from XXXX - XXXX but never provided me CONSUMER RELIEF & continues to practice unfair and deceptive misleading and fraudulent practices. 

Complaint lacks standing because chain of titles was broken when note was securitized. They have unclean hands. Corruption with the XXXX Recorder of Deeds has Fake, fraudulent documents included in lawsuit. Incorrect deed of trust, with incorrect amount of mortgage and incorrect date being used in lawsuit. XXXX Police Department has failed to complete investigation since filed complaint on XXXX. 

I have lots of evidence of my original papers and proof of the corrupt judicial system in XXXX. PLEASE HELP ME OR GUIDE ME PLEASE. Im representing myself in Civil and Supreme Court. One of the 7 Justices in the PA Supreme Court gets DONATIONS from the lawyers office handling the case. Its a BIG MONEY SCHEME but I have proof. PLEASE HELP ME. I am a XXXX XXXX XXXX  being victimized by a foreign entity with NO help or relief or remedy from the United States of America. Im afraid for my life due to the unlawfulness in the Judicial system in Pennsylvania. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Credit card

I NEVER EVER HAD ACC FROM XXXX  XXXX ... XXXX  XXXX # XXXX WITH CREDIT LIMT XXXX $ this is nt mine I only had the XXXX  XXXX acc # # XXXX was credit limits XXXX $ this in in correct XXXX XXXX XXXX
Product: Credit card

The rep from Care Credit that I spoke with before signing the agreement told me that the 24 month interest free promotion minimum premium would be less that {$70.00} per month for 24 months and as long as I paid the full {$7000.00} loan within the 24 months, no interest would be charged. XXXX, the manager advised me today that he was sorry that I got wrong information from his rep, but the min monthly payment is {$220.00} ( not under $ 70 monthly ) and there is nothing he can do about it. They record all calls at Care Credit, so I asked XXXX to review my original call with his rep and he advised me that it wouldnt make any difference, that my minimum monthly payment is {$220.00}. This is not what I was told I was getting.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

Truist theft I opened an XXXX account as an executor in XXXX. On XXXX, I deposited $ XXXX to the Estate from another Estate XXXX  account. The teller said it would be available in approximately 5-7 business days and raised no issues. On XXXX, Truist mailed me a letter, which I didnt receive until more than a week later, from their Fraud Department stating they detected fraud and froze my account. I could not log on. I called the phone number in their letter and the Fraud Department couldnt and wouldnt tell me anything about why they did this. They said get a letter from XXXX ( the payer account ) stating the source of funds and the check information. In the meantime, I asked XXXX ( the institution issuing the check from a different estate account ) to return the $ to the estate account, and it said Truist already cashed the check. 

I gave Truist the letter from XXXX that they asked for on XXXX and they said their fraud investigator would look into it. Days later, I received a letter dated XXXX stating Truist is closing my account for no reason. They issued me a check for the remainder approximately $ XXXX in the account and kept the $ XXXX. 

Truist is taking my estate deposit, wrongly claiming it is fraud, closing my account, not returning the money, and not providing any information about the nature of their investigation or how I can resolve this to get the $ XXXX back. This is theft by Truist. I have called Truist numerous times since I gave them the letter they requested from XXXX with details of the check and Truist does not answer questions about why they say this is fraud, why they cashed and took my check, why they closed my account without returning my $ XXXX. Everytime I call, they do not have a supervisor or any agent who can provide information or explain what is the status from their process. They continue to say still under investigation with no explanation or status update. 

Other Truist customers have made the same claims on CFPB.gov complaint website. 

What can I do to get my money back to the estate account? This belongs to the estate, not Truist.
Product: Debt collection

i went to write a check and was turned down by XXXX and i requested my report and there using my b day but different name and i did not commit this fraud i want this removed i disputed this i now have my legal office writing them there using to different people info and reporting not cool please fix this at once 3rd written response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 Secured Loan opened at XXXXXXXX XXXX : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXXXXXX XXXX  : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXX Card : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXX XXXXXXXX : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXX : Account # ( XXXX ) opened XX/XX/XXXX, Secured Loan opened at XXXX Citizens : Account # ( XXXX ) opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax continues to unlawfully use the US Postal Service to transmit unlawful correspondence to my address. I am uploading proof of the alternate and mistaken names along with written confirmation of Equifax knowledge of my correct full name. 

As you will see from the most recent mistaken variations of my name, it appears the errors were intentionally made. There is no lawful or legitimate reason for Equifax activity, and a host of concerns have surfaced regarding its creation and use of intentionally defective names/identities. 

In view of the concerns that have surfaced, all correspondence omitting my suffix shall be returned to Equifax unopened without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF EDXXXX. According to my XXXX consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / NELNET. This account is well over 7 years old and I would like it to be removed/deleted from my consumer report.

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by XXXX. XXXX is reporting that I have missed XXXX payments, which is giving me a 21 % payment history. This is completely inaccurate and is only being reported by XXXX and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau XX/XX/XXXX Experian erroneously shows that I was late 20 times on the page it describes as what " lenders '' will see. However, I have never been late with any payments. I applied for Ch. XXXX bankruptcy on XX/XX/XXXX, and all my accounts were closed before any of my payments would be late or missing. I attempted to dispute the late statuses through the process on the Experian website, but all of the lenders show " exceptional payment history, '' which is correct ; therefore, there is nothing I can dispute with the creditors. 

Moreover, the other two bureaus ( XXXX and XXXX ) reflect accurately no late payments and my credit scores with these bureaus accurately reflect the only negative item on my report, which was the Ch. XXXX BR. It is important to point out that the XXXX and XXXX credit scores are in the mid-600s range and show a " fair '' rating, as opposed to Experian which shows a XXXX poor rating along with showing 20 times late with payments. I realize that the scores can be different for different bureaus, but I would like to see if my Experian score comes up to the level of the other bureaus once the " late '' statuses are reflected on the page that shows my score ( the linked pages show " exceptional payment history '', so I gather the error is with Experian and not the reporting lenders ), I am attempting to find housing and employment, which is crucial for my survival right now, and I fear my prospects of employment and being able to rent a place to live are in jeopardy because of my Experian report. I attempted to contact Experian on their website today ( XX/XX/XXXX ) and was routed through a phone tree that had no option for me to select and kept disconnecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  # XXXX XXXX XXXX co 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 602 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DID NOT HAVE MY CONSENT OR A PERMISSABLE PURPOSE, AND DID NOT RESPECT MY RIGHTS TO PRIVACY, TO FURNISH OR CREATE THE REPORT THAT THEY SENT TO THIRD PARTY AGENCIES.
Product: Mortgage

Ever since Seterus inc has taken over my mortgqage I was automatically 1 month behind. I have proven that this is their error as they illegally removes funds from my suspense account causing my payment for XX/XX/2016 to be short. They have illegaly scheduled automatic home inspections in violation of a ruling in an Iowa case which was upheld by the XXXX cuircut court which stated that this is a violation of RICO statutes. Please see attached documents. I have been threatened by the home inspectors they have illegally entered my home one was carrying a concealed weapon which caused me to flee in fear of my life on my own property. In violation of FTC regulations they backdate payments creating another late payment and late fee which is considered by the FTC and the Fair Debt Collections act to be illega That Seterus inc and  XXXX XXXX have previousely been ruled against in a class action suit.l. I have been harrassed by phone by automated calls for 2 years I have had Seterus representatives tell me " YOU HAVE NO CHOICE BUT TO SET UP AUTOMATIC WITH DRAWL FROM MY ACCOUNT ON A DATE AND TIME OF THEIR CHOOSING '. I have been threatened if I do not provide them with personal information that they have no right to have. Now in an effort to obtain their ILLEGAL FEES! they have commited BANK FRAUD by altering my XXXX mortgage check from {$510.00} to {$810.00} and applied every penny of that {$300.00} dollars to the fees I have been disputing for 2 years. This is a blatent criminal act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate ; XXXX ( Retailer ) XXXX XXXX ( Bank ) XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank ) XXXX ( Bank ) XXXX  ( Finance ) XXXX XXXX XXXX ) XXXX ( Finance ) XXXX XXXX XXXX Bank ) XXXX  ( Finance ) XXXX ( Bank ) XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX  ( Bank ) XXXX  ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Bank )
Product: Debt collection

I spoke with representatives from Monterey Collections on XX/XX/XXXX who are charging me outrageous interest and fees on a sold account from XXXX XXXX XXXX XXXX ( XXXX ). Rep XXXX and another employee threatened that the account would be referred back to XXXX in order for legal action to be taken against me. I then requested the contact information for that legal department in order to assure that legal action would be filed seeing as it has been a difficult process working with this company and XXXX. I was denied the information of said threat. On XX/XX/XXXX I contacted both original debtor ( XXXX  ) and finance company ( XXXX XXXX ) who both stated the status of account was Servicing transferred ( sold ), the original amount {$4600.00} received a payment of {$110.00} as of XXXX XXXX ( last payment ) of which was a result of a loan modification on which XXXX defaulted on, and the maintenance was stopped/forefeited on XX/XX/XXXX. This company is consistently in violation of FDCPA rules/guidelines. They are reporting erroneously on my credit report falsified information and have threatened to take legal action of which speaking with rep XXXX from XXXX and XXXX XXXX XXXX there is no such legal dept that Monterey Collections is able to continue threatening me with.