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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 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. 


This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Notice of INTENT TO SUE! XXXX, Transunion XXXX XXXX have an XXXX that was Furnished on my Consumer File that has Fraudulent and Inaccurate Status Reporting Private Data shared Without Consent. XXXX { XXXX } Distributed Private information without disclosing the Three Disclosure to Opt out of My Non Public information being shared to an nonaffiliate third party ( XXXX, Transunion and XXXX ) Have this information I demand this XXXX Be Removed Immediately. They have an Experience reporting that the XXXX was Late ( XXXX, XXXX, XXXX and XXXX ) which is Inaccurate and unverifiable Due to XXXX Charge-off status
Product: Credit reporting or other personal consumer reports

I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. Bank of America, XXXX XXXX XXXX XXXX XXXX AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my Mark/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report at the end of XX/XX/2023, I noticed information that was not mine. I contacted Equifax with the following information RE : My Equifax Credit Report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Accounts : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX -XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Pursuant to section 605B of the Fair Credit Reporting Act I sent the required notifications to all furnishers with this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled or highlighted. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. XXXX declined to remove and block the information per section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I have attempted to resolve the debt from XXXX XXXX XXXX XXXX XXXX that Penn Credit is inaccurately reporting to all three credit Breaus. 

After emailing XXXX XXXX XXXX XXXX XXXX XXXX that the debt was not mine and showed That I was not the owner and provide residency thru the XXXX to back up my statement that I did not lived there they responded was.. In order to access or release information from your account, or to make any changes, we are required to verify the electric bill account number. If your account is security code protected, it must also be verified. 

Your account number may be retrieved online through your Account Summary. 

If you are unable to provide the required information, please contact our Customer Operations Center, available 24 hours a day, at XXXX 

After attempting to dispute it with Penn Credit as well they refused to remove the inaccurate data and claimed that the original debtor had validated it and refused to investigate or show proof of a contract with the original creditor.
Product: Mortgage

My Mom passed away over 2 years ago and I have been named executor and trustee of her account. I've sent copies of her death certificate and copies of her will twice. These are the dates that I've called SLS but they can't tell me anything because I'm not on the account. They call me every other day to talk to the estate then hang up. 
I Called on the XX/XX/ Called on the XX/XX/ Called on the XX/XX/ Called on the XX/XX/
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

I am in writing in response to a letter received from TD Bank on XX/XX/XXXX. Please see attachments for further details. 

This has been an ongoing problem with TD Bank. I have been willing and able to pay my mortgage for approximately over a year and a half at this point. The constant inter-departmental errors and miscommunications which have needlessly prolonged this situation seem to be continuing. 

Detailing the entire history of this account is beyond the purpose of this format. At this point, I am communicating through CFPB as a means of documenting and tracking my correspondence with TD bank. I received an escrow statement and application for CONSIDERATION for a loan modification. I have done this twice before with TD bank. each time, different departments erroneously altered terms due to miscommunications which led to my payments not being applied to my balance and continued foreclosure processing. 

Please see CFPB correspondence from TD bank on XX/XX/XXXX. The representative states that " He [ consumer ] can expect the Modification and Amendment Agreement to be mailed to him under separate cover, no later than 30 days from the date of our letter. '' I have not received any modification agreement to review. Moreover, this is the first letter I have received pertaining to my mortgage in approximately 150 Days, well over the 30 days stated in the correspondence on CFPB. 

My previous experiences have shown that the " modification application '' is a futile pursuit and I will not be expending resources to complete the application. Once again, I am fully committed to meeting my JUST obligations to TD bank and I ask that the bank reciprocate at least by means of clear and consistent communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}
Product: Credit reporting or other personal consumer reports

List of hard inquiries Im trying to remove XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my XXXX credit report, XXXX, and XXXX I discovered multiple inaccuracies, including unrecognized collection accounts and incorrect personal information, such as misspelled names, phone numbers, and wrong addresses.. Suspecting identity theft, which I previously reported to the authorities in approxiemately around the year XXXX, when I had to file my taxes. There mortages that were take out on my name, deparment of education loans When I print out my credit report from the credit bureau the credit report aren't displaying accurate information. Collections are assigned to someone else name that isn't me. I have not received any documentation proving the legitimacy of these alleged debts, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure to provide debt validation suggests that these debts are not valid, as supported by the doctrine of estoppel by silence in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. These inaccuracies have caused significant stress and have impacted my ability to secure credit. Despite disputing these items with XXXX, the issues remain unresolved. I am seeking the CFPBs assistance in having these fraudulent collection accounts removed from my credit report and in correcting the personal information errors to prevent further damage. I also request that XXXX and the collection agencies comply with all legal obligations to ensure that my rights are protected
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX LL ) XXXX Balance : {$730.00} U S DEPT OF EDXXXX XXXX XXXX Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Checking or savings account

On XXXX XXXX  an unauthorized charge of {$1600.00} on my Wells Fargo checking account. I waited until it was posted to dispute it along with another charge of {$28.00}. I let the agent know I was still in possession of my card but I did NOT make the purchase. The claim was filed and the bank within an hour closed my claim without giving me any information as to why, they did absolutely no investigation and yesterday they closed my account instead of helping me out. They are keeping money from my account, they are refusing the help me dispute the unauthorized charge and kicked me out of using my mobile app or anything that has to do with my account. Customer service is refusing the give me any information as to why and states they are allowed to close my account if they want to. Changes have been made to my account without my consent or knowledge. Instead of helping me out they have just shut down my entire account and have kept my money.
Product: Credit reporting or other personal consumer reports

I have a list of inquiries that i don't recognize and are hurting my credit approvals. I send the required information to the credit bureaus but i believe they have not done their investigation. I need these inquiries delete from my credit report.
Product: Debt collection

It was revealed to me through my credit report that this charge is inaccurate. I did not authorize this account. I would like this account immediately removed from my XXXX report. 

Account Number XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the of the consumer. 

I would like this account to be removed from my credit profile.
Product: Checking or savings account

I am receiving overdraft fees due to low funds, long pending times for refunds, and other overdraft fees. My bank account is in the negative and I am having issues making it positive due to compounding overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account furnished by XXXX XXXX inaccurate and does not belong to me. This item is a utility in a state in which I have not lived in for over a year. This account is an act of fraud.
Product: Debt collection

I have been trying to get this resolved for years now. I have retained a lawyer, I called the police and filed a report, I spoke with the company one time but they told me sense I retained council, neither the collection agency nor the original company were allowed to speak to me about the matter. This account or collection or whatever you want to call it was supposed to be taken off for fraud and misinformation years ago but they still have it on my report. I never had association with the charges they had put on my credit file years ago. Its simply not mine. I never received any kind of notification or letter from either company, i assume because the debt belongs to someone else, and they received all the notifications and letter a debt collector is supposed to send out. Again, I wish i had more answers but unfortunately I dont. It has been YEARS that this fraud collection was supposed to be removed. I dont know how its so easy to mess someones life up, and there are no consequences for the big bank companies that ruin those lives. This is a simple fix, but unfortunately over the last few years, Ive come to find out that it is never simple with credit. At this point, I dont know what else to do. I feel helpless and just need help!
Product: Debt collection

I got a call from XXXX. Saying they had to verify my address because some " legal documentation was being sent '' I did some research about this number, and I believe its a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was in a wreck, Had full coverage and gap insurance. US auto sales went out of business and put XXXX on my credit that gap was suppose to take care of. I have seen my Gap contract, it was active when the car was not totaled. I am very hurt and opposed and quite sickened because of this.
Product: Credit reporting or other personal consumer reports

XX/XX/year> mortgage loan was transferred from XXXX XXXX XXXX XXXX. Upon transfer I requested a mortgage assistance program from XXXX. I was approved for a forebearance where I was required to make {$100.00} / month and upon exiting forebearance- I will be given a repayment plan for arrears. A request to exit forebearance was made XXXX and at this time- the Mortgage was transferred to Selene finance XXXX 
Upon time of transfer- XXXX XXXX that I had 120 days late payments however showed all payaments were made on time. 
I am asking XXXX to remove the 120 days late payment note on all three credit bureaus. 
See attached documents regarding forebearance with XXXX. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a 30 yr fixed VA loan serviced by CMG mortgage. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by CMG mortgage. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to CMG mortgage in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX