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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to bring to your attention a serious matter concerning aggravated identity theft, a federal offense under 18 U.S.C. 1028A. This statute, enacted in 2004, mandates a minimum sentence of two years in federal prison for those found guilty of such offenses. The sentence for aggravated identity theft must be served consecutively to any other penalties for the underlying charges, and probation is not permitted. 

Aggravated identity theft involves the unauthorized use of another person 's identifying information in connection with a felony or terrorism offense. Examples include, but are not limited to : Stealing a person 's social security number or credit card information Opening accounts in the victim 's name Using the victim 's information to obtain goods or services Billing a client electronically for more hours than were actually worked Charging a customer for a more expensive product than ordered using electronic payment methods To establish aggravated identity theft, the following elements must be present : The defendant knowingly transferred, possessed, or used, without lawful authority, a means of identification of another person. This could include someone else 's driver 's license, passport, social security number, or other personal identifiers. 
In light of this, I am requesting a SSA-89 form from the following creditors and inquiries : Creditors : XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX {$2800.00} Inquiries : XXXX XXXX XXXX XXXX 2024 ) XXXX XXXX ( XX/XX/XXXX2024 ) XXXX XXXX ( XXXX XXXX, 2024 ) I respectfully ask that these institutions remove any information related to these accounts and inquiries from my consumer report if they are unable to provide the SSA-89 form with my wet signature XXXX 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with XXXX XXXXXXXX XXXX aka XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth Mark : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Student loan

I have been desperately attempting to contact aidvantage for almost 4 months now. I usually wait in hold for XXXX hours each time I call. Usually when the call is answered it drops immediately. Ive also gone to email them and am always told it can take XXXX hours for a response. This is a blatant lie as it typically takes XXXX weeks for a response. I applied for an income driven repayment program which caused my loan amount to triple and when I try to select a new payment plan XXXX informed to contact by phone or email to remove the payment plan. Each email response I get is a canned response telling me I can select payment plans online which is contradictory of what their website says as I have to call to cancel the idr. Im desparsrely trying to get a response from aidvantage to clear this up so I can start making payments. As many others are in the same situation, I can not afford the payment option given to me and do not understand why it is so much higher than my payment was originally before my loan servicer was switched to this awful company.
Product: Credit reporting or other personal consumer reports

I came across unauthorized inquiries on my credit report today, which left me confused and upset. My routine credit check showed discrepancies that seemed to appear out of nowhere. I tried refreshing my browser to rule out a possible glitch, but the problem remained unresolved. I demand that the documents Ive sent be reviewed properly to resolve this issue and to prevent me from dealing with such concerns again.
Product: Credit reporting

This issue with this response from Transunion is that they 've already removed partial hard inquiries that were affected by the glitch, they just did n't remove all of them as requested. You ca n't refuse or request documentation when you 've already removed some of them when I placed the phone call with you. Please remove ALL inquiries affected by the glitch! 

-- -- TRANSUNION 'S RESPONSE TO FIRST REQUEST -- Should you have documentary proof that shows you were in fact impacted by this issue, please submit the documentation via mail to XXXX. XXXX XXXX, XXXX, PA XXXX. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report.
Product: Vehicle loan or lease

I made my monthly payment then send in an additional payment with request that it be applied to pay my principal but this additional funds was not applied to pay my principal.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX  STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  account consumer reporting XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.Bankruptcy XXXX XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights 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 instruction.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the fraudulent account and inquiries listed below be blocked and permanently removed from my credit report. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never heard of or done ANY business with ENHANCED RECOVERY COMPANY They have no right to report anything on my credit report. If so then they should have validated the debt showing that I have an account with ERC that is in default. 
Further more, this issue is fraud and now in litigation to have the item removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their  lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting a charge off to ChexSystems from XX/XX/2016. The reporting is listed in a negative context as a charge off status within the report. The negative balance of {$320.00} was resolved with the third-party collections firm utilized for collection by XXXX XXXX XXXX. Per the discussion and agreement with the collection company, this would not be listed or reported in any way to my credit report including ChexSystems. Neither XXXX XXXX XXXX nor the collection company has upheld their commitment to not report negative information and/or remove negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my experian account and lock my credit report to avoid these things from happening again. 

XXXX/XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted "
Product: Checking or savings account

We deposited XXXX check on XXXX separate days. The initial payroll deposit made on XX/XX/XXXX was supposed to have a partial released on XX/XX/XXXX and that the full amount will clear on XX/XX/XXXX. That didnt happen. The second day, we deposited a check from XXXX XXXX and that was supposed to be released on XX/XX/XXXX. That didnt happen. We talked to several reps over the phone and went into the branch and we were told different things : 1. The account hard been flagged for fraud 2. The issuers of the checks ( 2 separate companies ) have a history of retuned checks. 

I called both banks and they informed us that both checks cleared. So I called Wells Fargo informing them of this and they stuck with the story that both companies are unaware ofthat the banks have a history of returned checks. 

As of today, we have {$17.00} available in our bank. This has left us crippled. We are not sure of how were going to make it to work this week or pay our bills that are due. Wells Fargo refuses to release a dime until XX/XX/XXXX. Which is an unreasonable time to hold anyones funds
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX the credit reporting agency, block the information appearing on my consumer XXXX credit report that is the result of identity theft and fraud.This action should be completed within XXXX business days of receiving this complaint.The following is a summary of the fraudulent activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was opened fraudulently under my name. I did not apply for this credit card, and I had no knowledge of this account until it appeared on my credit 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 Similarly, this account was also opened without my authorization. I did not apply for this credit card, and it was only brought to my attention through my credit 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  This credit card account was opened fraudulently. I did not authorize or apply for this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This auto loan was opened in my name without my knowledge or consent. I did not apply for or authorize this loan. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This personal loan was also opened fraudulently. I did not apply for or authorize this loan. These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by Equifax, which shows the fraudulent items mentioned above. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and all are the result of identity theft and fraud. To support my claims, I have filed a police report with the XXXX Police Department in Florida regarding this identity theft and fraud and have attached a copy of the report for your reference.Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am filing a complaint regarding Reverse Mortgage Solutions, based out of XXXX, Texas. As the executor of my Mother 's estate I requested a payoff amount on XXXX XXXX, 2016 so we could close on the property on XXXX XXXX 2016. We have received no payoff information despite being told it usually takes XXXX to 10 business days. I have called many times in the past few days and have received no information on the timeline to receive the payoff. I have even been told I can not speak to the payoff department. Obviously our buyers are becoming concerned and now we are in danger of not being able to sell. All I want is for them to give me the amount we owe to close the property.
Product: Payday loan, title loan, personal loan, or advance loan

I got the loan to pay off a loan and couldnt afford the loan so I talked to them and said I cant make the payments
Product: Debt collection

To whom it may concern : Both  my children were enrolled in the XXXX XXXX XXXX XXXX in XXXX Alaska From XXXX until XX/XX/XXXX. I paid consistently and on time twice a month. At the beginning of XXXX I put in a request for termination of service. I also received assistance for Child Care from the military as I am an XXXX XXXX XXXX. They paid a portion and I paid my normal XXXX on the XXXX and XXXX .. this was automatically took out of my bank account.. first week of XXXX my XXXX was deducted from my account. The children ended their time at XXXX XXXX on the XXXX. There should not have been a balance due at this time. XXXX XXXX proceeded to tell me I owed another XXXX. I argued with them that was false and showed them the record where I paid the first half of XXXX. Everything is pre pay! I had to pre pay them for them to start. They insisted I owed them more money. I agreed to pay half even though it was completely unfair and robbery but they said no. The bank even told me they had other clients with the same issue from this business. 
XXXX XXXX sent this bill to collections. I am currently XXXX in the XXXX XXXX with limited access to email and phone. I received the collection while in country with a notice saying if I did not dispute this account by XX/XX/XXXX I would have to pay in full, seeing as today is the XXXX and I just received the letter that is impossible. I would like to hold this company responsible for trying to over charge me and as well as the collection agency for the harshness of not being able to dispute while I am XXXX to a foreign country. 

any help or insight you can provide would be greatly appreciated! I am not sure what else to do. I know I have the right to see the justification for the charge but how and why does it make sense for me to pay a full month child care when my children were only in attendance for 2 weeks and I was instructed it would be prorated. If I was going to have to pay the full amount I would have left them in attendance for the full month Please excuse the harshness of this email as I am upset and already have a lot of stress in the environment I am in. I apologize if it sounds harsh. 

Please help Collection agency : Cornerstone Credit Services LLC Ref number XXXX Also they are trying to charge me interest when I am on a delayed timeline being overseas with limited access!! 

Very Respectfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX  XXXX, XXXX, DPEDXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX, XXXX, DPEDXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/2020, the company TransWorld Systems opened a collection in the amount of {$540.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this alleged debt to this alleged company. 
Please have this removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX
Product: Checking or savings account

For the last week or so, I have been receiving welcome emails from Chime. I deleted them because I believed them to be a phishing scam. I believed this because I have not opened an account with Chime. 
Today, Saturday, XX/XX/XXXX, I received a Chime ATM card in the mail with a routing and account number. I called the Chime help line and received a recording. It said that it was able to pull up my account from my phone number and asked if I would like a call back or to wait on hold. I opted for the call back. A recorded voiced called me and asked if I wanted to call about my account or another account. There is no way to honestly answer that question without agreeing to ownership of an account I did not open and do not want, so I hung up. 
How do I extricate myself from this fraud?