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

I did not provide consent to allow the sharing of my private information, and the disclosure of this information is unfair and unjust to me as a consumer. According to 15 USC 1681 Section 602 A, I have the right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with 15 U.S.C 1681c. ( a ) ( 5 ), it is stated that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of convictions of crimes that predate the report by more than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any person to provide information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Furthermore, it's important to note that they are not even complying with Metro 2 credit reporting standards. I have evidence to substantiate my claim. 

Here 's the list of items in question : XXXX XXXX XXXX XXXX  {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX insufficient funds fee XXXX pass XXXX insufficient funds fee XX/XX/XXXX XXXX XXXX XXXX caused XXXX insufficient funds fee XX/XX/XXXX XXXX payment on XXXX ( XXXX insufficient fee ) XXXX XXXX XXXX XXXX XXXX insufficient fee ) XXXX XXXX XXXX XXXX  ( XXXX insufficient fee ) Small business affected by covid Recieved insufficient funds fee for transaction above. 
XX/XX/XXXX my debit card was locked and those were Reoccurring fees. 

Contacted institution XX/XX/XXXX in regards to some of these fees and was denied a reversal / waiver on the credits by supervisor name ram.
Product: Mortgage

We did a covid relief package during the months of covid with Planet Home Lending. They sent us papers but never contacted us at the end of the term. We were then sent invoices saying we were in foreclosure because we owed {$23000.00} in back payments during that period. Never given a chance to do a repayment and it was added to the end of the loan..just immediately got served foreclosure court papers. I assumed a VA loan had more leway. Now we called and did all the paperwork and forms to do a loan modification but the amount was ridiculously high for our 3 monthly payments and we weren't even asked what we could afford or given any options to add the covid amounts to the end of our loan and continue to pay the mortgage. We want to stay in our hoke and restart paying our original loan amount. Planet Home Lending isn't a honest company and has many complaints on the XXXX  site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. 

TRANSUNION, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 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 result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! 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. 

PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
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 Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

XX/XX/22 - my debit account was debited {$840.00} from XXXX XXXX, an account that I do not have. I filed a dispute with my bank and they provisionally credited my account back with {$840.00} while they investigated the account. On XX/XX/22, the original debit amount was reversed and taken from my account and the dispute was closed.
Product: Student loan

I am suffering from financial hardships. I am submitting this complain, because I can not do anything else about my circumstances. I am not able to make payments on my student loans and the majority of my expenses. I had no choice but to file chXXXX bankruptcy so that I could afford basic necessities with my student loans in deferment at lease for few short years. I owe an estimated {$250000.00} Student loan debts to XXXX, XXXX XXXX XXXX, XXXX XXXX and Cornerstone loan services. 
My student loan balances never decrease ; the balances only increase, because I have high balances, high variable interest rates and penalties. My private student loan carriers do not offer reasonable repayment options where I could realistically pay off the debt and manage my expenses according to my debt to income ratio. I am complaining, because I do not understand why an undergraduate student majoring in psychology, was preyed upon and loaned a XXXX dollars in student loans. 
Why am I constantly being harassed with phone calls, letters, emails etc. as if these behaviors would cause money to miraculously appear? I spend many nights restless trying to figure out why this happened to me. I sometimes hope that when I finally fall asleep I either never wake up. I do not have any children or friends, because I am ashamed of my debts. I have been preyed upon by predatory lending practices by XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies targeted me veraciously with emails, flyers, letters in the mail, asking me to take out these loans. These loan companies did not ask me to produce any current or future earning potential etc. to indicate whether I could actually repay the loans back or not. I was vulnerable, preyed upon and scammed out of my future. My life has been ruined by these corporations before it had a chance to begin. I am almost XXXX old and I have no future. Based on my debt to income ratio, education/skills, earning potential, and life expectancy, I simply can not pay these loans back now or in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a consumer statement on my Equifax report regarding XXXX XXXX. 

I have never made such a statement and have no idea where it came from. 

Ive tried multiple times both online and over the phone to have it removed. It has been removed by Equifax once, but somehow it has reappeared on my credit report again. 

Im requesting that this consumer statement gets removed permanently. I do not wish to have a consumer statement on my credit report.
Product: Debt collection

I have sent J & S collections 3 certified letters in regards to the fraudulent account they have placed on my credit and i have not got a response but they have responded to the credit bureaus alleging the account belong to me. I was not notified by them about the debt so i was never afforded the opportunity to dispute it. I DO N'T KNOW WHO THE ORIGINAL CREDITOR IS.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$6900.00} XXXX  {$4700.00XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$520.00} XXXX  {$0.00} XXXX  {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX  {$10000.00} XXXX  XXXX {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting or other personal consumer reports

This is my new attempt to dispute the items in my credit file which resulted from an inaccurate credit reports. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an inaccurate credit reports, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reports. I do not consent to XXXX or any means of automated verification.
Product: Money transfer, virtual currency, or money service

I am writing to inform you about a most unfortunate grand larceny consumer fraud incident. I am the victim of a recent {$9400.00} Bank of America fraud transaction that I suspect was a Bank of America inside job. Perhaps XXXX coverage can alert others to this scheme and prevent a financial loss similar to what I have suffered. 

Here are the details that I hope you will report. I suspect that many others could be victims of this consumer fraud. Bank of America has NOT taken this issue seriously, treating it as a lunch order gone bad. 

On XX/XX/2022, I received 3 FAKE XXXX texts that looked exactly like the actual B of A XXXX texts previously received. Each text message states that I had transferred money via XXXX at Bank of America. I was startled and alarmed. 
At approximately XXXX p.m. XXXX, I received a call from an actual Bank of America phone number ( XXXX ( XXXX ) XXXX ) on my mobile device. The Bank of America name appeared on my device. 
The criminal claimed to be a Bank of America Fraud Associate who was calling to help me reverse the fraudulent transactions. I believed he was a Bank of America employee. I had no reason not to believe him. 
On XX/XX/XXXX, I realized I was defrauded when I called the Bank of America Business Banking number. The Business Banking associate had no record of the calls from any Bank of America Fraud Department. My heart sank. I was just defrauded {$9400.00} ( likely ) by a Bank of America inside criminal. The money went to XXXX Bank. 
Bank of America Contacted XXXX Bank via electronic messaging requesting funds retrieval. 
XXXX, via electronic messaging, declines to return the money. 
Bank of America calls me and casually states, that XXXX would not return the money and that cant do anymore. 
I contacted Bank of America XXXX, XXXX XXXX, who passed this grand larceny fraud to the Chairmans Escalation Office. They were less than helpful. I sent two additional emails to XXXX XXXX, urging his intervention, that were not acknowledged. 

I urge you to report this story because I suspect that I am NOT the only victim. It was a very well-planned and well-rehearsed act. Also, I suspect that it was an inside job because the criminal knew about my bank accounts and numbers. 

This electronic correspondence between Bank of America Fraud and XXXX indicates a casual approach to what is grand larceny. Why was a more serious attempt not made on my behalf to retrieve the funds? The fact is that {$9400.00} is grand larceny. I expect B of A to take this matter more seriously like it was their own money. 

How many others have been defrauded? How many other financial institutions and customers are affected?
Product: Credit reporting or other personal consumer reports

I am reaching out regarding the below account ; i have tried validating the debt with the credit reporting agencies by filing inquires and dispute letters requesting the detailed information relating to the debt and how it applies to me. 
I asked for original signed documents and agreements pertaining to the debt. However, both the credit agencies and the debt holder failed to provide that information after multiple requests. Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Treatment of inaccurate or unverifiable information clause in the FTC guideline states : If, after any re investigation 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 agencies shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the result of re investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 

None of this information was provided, nor was an explanation given for the fraudulent account being listed on my Experian report after subsequently being removed from my XXXX. Under 611 ( XXXX U.S.C. XXXX ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXX XXXX XXXX failure and negligence. 

This account has been under review for over XXXX years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXX and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed several disputes and complaints and asked the company to take it off my credit report my request have been and still to this day ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with this company, and these XXXX are trying to make me pay money I don't owe.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax XX/XX/2024 to remove the inquires from XXXX XXXX  on XX/XX/2024 & XXXX on XX/XX/2024 that were from identity theft. This company responded and asked me to send in my FTC documents and my identification to verify it was me. I did the following and they still have yet to remove inquires that are not mine. They are violating my rights according to the FCRA. My next step is pursuing litigation because I sent in all my proper documentation and showed proof it wasn't me.
Product: Mortgage

On XX/XX/XXXX I was served Forclosure documents when I was unaware of one. Court documents dated XX/XX/XXXX. 
I have requested payoff statement online and via phone on XX/XX/XXXXXXXX  and other future dates from mortgage company. I put My house on the market on XX/XX/XXXX. I am due to close on XXXXXXXX  I did not recieve any information regarding a Forclosure risk. I was informed by mortgage company today that my forbearance ended XX/XX/XXXXXXXX  and they referred my loan to a Forclosure lawyer on XX/XX/XXXX. 

I spoke to the judicial court civil clerk where the Forclosure I was served was filed. They informed me that nothing has been filed just yet & I do not have a docket number. I only have a return date of documents of XX/XX/XXXX. 

I have spoken to the mortgage company on many occasions. Asking how can this be possible that I am on forbearance. 

They advise me that recieved my attorneys most recent pay off requests dated earlier this week in response to the Forclosure  and they were pending their Forclosure attorney to add his fees before getting it back to my attorney. 

We recieved new updated pay off which includes the following : Principal Balance {$210000.00} Interest from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  {$21000.00} Escrow Advances {$17000.00} Property Inspections {$95.00} Recording Fee {$70.00} Outstanding Attorney Fees and Costs through XX/XX/XXXXXXXX  {$2200.00} Total Payoff Amount Due as of XX/XX/XXXXXXXX  : {$250000.00} Please note that this payoff quote expires on XX/XX/XXXX. 

Please not that my prior payoff was as follows : Principal Balance : XXXX Amounts : Deferred Principal Balance* : XXXX Interest Calculated to XX/XX/XXXXXXXX   : XXXX PMI/XXXX Premium Calculated to XX/XX/XXXXXXXX   : XXXX Escrow/Impound Advance Balance : XXXX Late Charge Balance : XXXX XXXX Anticipated Late Charges : XXXX Optional Product ( s ) : XXXX Prepayment Fee : XXXX Statement Fee : XXXX Release Fee : XXXX Expedited Delivery Fee : XXXX Fees Currently Assessed : XXXX Unapplied Funds Retained : XXXX Less Unapplied Funds : XXXX Less Escrow Balance : XXXX TOTAL AMOUNT DUE : XXXX Any and all information and guidance will be greatly appreciated. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the agreement entered into by XXXX XXXX, the borrower, and the US Dept of Education in conjunction with XXXX XXXX XXXX XXXX University, the borrower was declared XXXX XXXX XXXX   XXXX by the Federal Government and offered complete forgiveness of all federal student loan debt to be paid by XXXX. The borrower, XXXX XXXX, accepted the offer and was able to successfully abide to the rules of the agreement, including a monitoring period of three years in which the borrower would maintain federal acknowledgment of being XXXX. This agreement provided that should the borrower meet the criteria of eligibility, upon completion of a three year monitoring period, all federal student loan debts would be paid by XXXX , XXXX, and The borrower would be released from all debt obligations, and that these debts would be held to reflect no negative payment history, nor any attempts to be placed into collections nor sold to any collection agency. The borrower became XXXX in XXXX of XXXX, and was offered forgiveness due to permanent XXXX. The agreement provided by the federally accredited student loan forgiveness repayment organization, XXXX , XXXX, outlined that during the investigation period no debts would a reflect late or negative payment history, nor would interest be charged to any accounts ; and that if at any point the borrower did not meet the criteria necessary for XXXX classification, or was no longer classified as XXXX by the Federal Government, he would be responsible for repaying all debts to include any interest incurred as stated by the original loan agreement. As of XXXX, the borrower continues to maintain classification as being XXXX XXXX XXXX   XXXX and was determined to have met the criteria outlined during the monitoring period. As such, all federal student loan debt has been paid by XXXX, XXXX as agreed and should reflect all accounts as paid and closed, and represent no late or negative payment history. Additionally, as stated in the agreement, no accounts should have been placed in collections nor sold to any collections agencies as all accounts are considered to have been paid in full and on time. The reflection of any accounts held with XXXX XXXX XXXX XXXX University or the Fed Dept of Ed stating negative payment history and/or placement In collections violates the agreement between XXXX, XXXX with XXXX XXXX XXXX XXXX University and the Fed Dept of Ed. As both institutions have received payment as agreed, and all stipulations of the agreement were honored, negative reflections of payment history and/or any accounts placed in collectionsor sold to a collection agency are the be understood as fraudulent representation of account information. Both agencies have been made aware of this and continue to place negatively impacting information on the borrowers credit history indicating both institutions guilty of fraud.