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

ON XX/XX/year> TRANSUNION VIOLATED MY RIGHTS AS A CONSUMER AND PROVIDED AN UNAUTHERIZED COMPANY XXXX MY CONSUMER REPORT FOR UNPERMISSABLE PURPOSES WITHOUT MY WRITTEN CONSENT OR ANY CONSENT FOR PROMOTIONAL INQUIRES AND IS NOW LIABLE AND SUBJECT TO PAY THE AMOUNT OF {$1000.00} PER THE FCRA AND 15 U.S. Code 1681b - Permissible purposes of consumer reports. IT STATES, any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. I ASK THE CFPB TO PLEASE ENFORCE THIS INVOICE OF {$1000.00} TO THE ADDRESS THEY HAVE ON FILE. ATTACHED IS A PAGE OF MY TRANSUNION CREDIT REPORT. THANK YOU.
Product: Debt collection

I OWE A BALANCE ON A CREDIT CARD, DUE TO CIRCUMSTANCES OUT OF MY CONTROL I FAILED BEHIND. I WAS TAKEN TO COURT, THEY WOULD ONLY EXCEPT XXXX A MONTH, I TOLD THEM IT WAS MORE THAN I COULD AFFORD I WOULD TRY. SHORTLY AFTER THAT, THINGS GOT MUCH WORSE MY SISTER, XXXX XXXX XXXX, FEEL TERMINAL SICK WITH XXXX, I HELP ALL I COULD. WE LOST HER XX/XX/XXXX, OH PAY THE WAY THIS COURT DATE WAS IN XXXX. THEN I ENDED UP IN THE HOSPITAL VERY SICK DUE TO THE XXXX. ALMOST MY XXXX  WAS XXXX I WAS IN XX/XX/XXXX FOR 4 DAYS, THAT WAS XXXX, OF COURSE I WAS VERY WEAK TRYING TO JUST MAKE IT, AFTER THAT MY MOM HAD A XXXX WE LOST HER XXXX OF XXXX, THEN XXXX OF XXXX I HAD XXXX XXXX MISSED A MONTH OF WORK, SO YOU MIGHT UNDERSTAND WHY I WAS STRUGGLE TO MAKE IT, THEY CHARGE OVER XXXX WITH COURT COST FOR A XXXX DOLLAR BILL, THEY TOKE EVRYTHING EXCEPT XXXX FRIDAY XX/XX/XXXX, AND INSTEAD OF TAKING THE XXXX DOLLARS THAT ARE LEFT ON THIS BILL THEY ARE TAKING XXXX THE COMPANY IS HUNT AND KAHN PA. PLEASE HELP XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reopen complaint XXXX and escalate this to a manager who will actually read and respond appropriately. The company 's response was entirely inadequate and illustrates that they did not read the complaint at all. This issue remains unresolved and the company is knowingly publishing an innacurate credit report.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, No status has been given by Experian ( see below reference ) XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies reporting Improper use of your report by the Experian Consumer Fraud Division filed on XX/XX/2024 Status : Open-Company response is in progress as of XX/XX/2024 This CRA is in dire violation of the FCRA and the FTC and no one at the CFPB gives a XXXX XXXX so I will move forward with filing a Federal lawsuit against the CRAs and the CFPB for lack of enforcement.
Product: Credit reporting or other personal consumer reports

Previous complaint was submitted regarding an account that was charged off in XXXX  due to COVID-19 status. Company acknowledged the account was charged off, but continues to report as an open installment account on all credit bureaus. Company used manipulative wording in their response, citing obligation to pay loan regardless of charged off status. I began repaying the loan monthly 12 months ago and continue to do so. So paying is not the issue. There are no issues with the interest rate either. Per the FCRA, a charged off loan should not be reporting as an open installment account, thus not accurately reporting. The account need to refer on my credit report as charged off, not open. I dont understand what is so hard about this.
Product: Mortgage

I have been trying to work with PNC bank to try and get a mortgage processed and approved. The loan officer that has been handling my case has decided to ignore and cause massive disruptions in buying a home. Currently he refuses to respond to voicemails and emails to confirm any information to move the buying process along. XX/XX/2021 the loan process was started. XX/XX/XXXX, XXXX, XXXX and XXXX emails were sent to the loan officer with no response currently on XX/XX/2021. Currently I have sold my home and am in temporary housing waiting for the loan to go through. Since he has refused to respond in a reasonable time, the construction company is looking to sell the current home to another prospected buyer. I may lose my option to purchase a home and become completely homeless due to the loan officers incompetency to respond and communicate in a reasonable time.
Product: Credit reporting

i paidoff the lien at XXXX XXXX please remove
Product: Credit card

I request your assistance in investigating accounts reported by companies that have inaccurately listed late payments. After checking my credit report, I found certain accounts showing late payment remarks, which should not be there. These accounts should reflect no late remarks
Product: Credit reporting

TransUnion LLC, is still reporting on my credit report a Public Record Information for a Civil Judgment against me from : XXXX. The Plantiff : XXXX ; of which, they say is still at the Recorder of Deeds in XXXX XXXX. This debt was 'paid in full ', through a lawyer I hired. My lawyer called the 'debt collection ' lawyer ( whom was hired by XXXX to collect ) ; and she said that she followed through on her end with filing a SOJ to the XXXX XXXX XXXX XXXX of Deeds- to have it removed from Public Record. TransUnion LLC credit reporting agency was ALSO sent the SOJ ; along with the other credit reporting agencies. I have a copy of the SOJ ( Settlement of Judgment ) that was sent to XXXX XXXX Court and all credit reporting agencies. 
I just applied for a refinancing of my home and this same Public Record showed in their credit check on me. So I am being REFUSED a new refinanced loan on my home!! I have a very short window to be able to lock into this great rate new home loan, and this is Civil Judgment is the only one thing stopping me from closing on the loan! 
I ALSO just applied for a new job and this showed up in their employment background investigation with TransUnion. 
I am trying so hard to clean up all my old debt from the recession time, and it 's Credit Reporting agencies that should be trying to help me by doing THEIR jobs and being on top of these things. I 've tried on my own to clear up these Credit Reporting Agencies mistakes, and they do n't seem to 'have the time ' to listen or even CARE to help me. I just get switched from person to person around and around ... ..to no end. I SHOULDN '' T have to hire a lawyer to have my Credit Report cleaned up. I found this link to CFPB and thought that maybe NOW there is someone out there that will listen and help us consumers with these large Credit Reporting Agencies, that do n't seem to care they are REALLY doing more damage to us consumers than any good!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX ( XX/XX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX) XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This company keeps calling and calling and calling and now they are calling my employer harassing me I shouldnt have to get harassed at my employer that Im working would like for them to get sued or anything because this is harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors.
I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.
Product: Vehicle loan or lease

I have been a customer of Bank of America for over thirty years and I am very angry that no one is available to assist me. I have called and sent emails and no one is willing to help. 

I have made nine attempts to get a copy of my title so I can register my vehicle in a new state. I reached out to Bank Americas customer service and was informed to send an email to XXXX and someone would contact me regarding my title. Emails were sent on XX/XX/XXXX and subsequent emails were submitted everyday until XX/XX/XXXX. 

I tried to go to one of the branches for assistance but the majority of the branches are closed and the only open branch did not provide any assistance. 
Please can someone please help me with this matter? 

XXXX XXXX Auto Loan Number ending in XXXX Email Address : XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. IN XX/XX/XXXX MY IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN XXXX XXXX NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED. XXXX XXXX, XXXX XXXX, TRANSUNION, XXXX, XXXX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR TAX YEARS XX/XX/XXXX-XX/XX/XXXX. HERE ARE MY CONCERNS. 1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I HAVE 19 YEARS OF STATE ISSUED ID FROM ALABAMA 3. I HAVE COLLECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM XX/XX/XXXX-XX/XX/XXXX. HOW IS THIS POSSIBLE IF I WAS IN XXXX XXXX NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL 3 CREDIT BUREAUS
Product: Debt collection

On XX/XX/2022 I mailed a request to verify a debt via debt validation letter to Express Recovery located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via certified letter. It was received on XX/XX/202 by XXXX XXXX ( you can not read the name on the return receipt. ) Since that time, XXXX XXXX has not contacted me nor validated the debt. I have attached the return receipt as well as the XXXX Tracking confirmation showing that it was received. 
I believe under Federal Law since this company will not validate the debt and has refused to respond to my request this needs to be removed from my credit reports immediately.
Product: Debt collection

I never gave Equifax written consent to report anything on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This is also incorrect info reporting on my Credit report. No other Bureau is reporting this info on my report other than Equifax. Ive been disputing this incorrect info for some time now.
Product: Student loan

I have this huge student loan debt for a degree I never could get a job in. I received the loan from XXXX XXXX we were informed we may get hired at the site we did our hours at. I did not get hired but I never could get a job because I did not have any experience. So now I have this huge debit for a degree I can not use. Or half the credits is not accept at our school
Product: Debt collection

I recently received an automated and very scammy sounding voicemail claiming that I have an outstanding debt in collections with Direct Recovery Services, LLC., that voicemail directed me to their website to pay a balance of {$1600.00} A family member also received a semi-robotic voicemail with the same information, and notified me of it. 

I have requested that they provide me with verification of any debt which they claim to be owed by me, and likewise have notified them that I am filing a complaint with the consumer financial protection bureau. 

Further I insisted that they cease and desist from contacting any other parties and harassing my family about this alleged - and false - debt, lest I initiate legal action against them.
Product: Credit reporting or other personal consumer reports

Please see supporting documents pertaining to the Equifax Data Breach. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Last XXXX SSN : XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report ( XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent account are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Mortgage

In XXXX I received two notices that Flagstar Bank Mortgage needed a copy of my flood insurance renewal ( they took over servicing earlier in the year ). I sent a copy via their XXXX and subsequently faxed over a copy also. They claimed non-receipt due to fax and uploading problems so I repeated the process being assured by phone reps that would resolve the problem. On XXXX XXXX, I received a second and final notice about this insurance. I called the company again and was given a secret special fax number. I then reuploaded the insurance document of flood insurance from my HOA with my unit number posted clearly and also faxed it to the regular fax and special fax twice. I called again and was told it was not received again. I received a letter dated XX/XX/2020, that a l ender placed flood insurance for {$2000.00} had been charged to my account. I called Flagstar insurance division on XXXX XXXX, and spoke to XXXX for over an hour while she researched my account and " found '' the document. She reassured me, as had prior reps that it would be resolved in five business days. However,, it is never resolved and I never receive anything but form letters threatening or charging me {$2000.00} for lender placed insurance. I have now submitted the requested insurance information 13 times wihout avail. This appears unfair and either grossly negligent or fraudulent behavior.
Product: Credit reporting or other personal consumer reports

Target /TD If its showing a a charge off it should not show a balance. Also it shouldnt be reporting as a current charge off for XX/XX/XXXX as it was originally charged off XX/XX/XXXX as last payment. Please remove from my credit report as it is not being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX Open date XXXX XXXX XXXX Open date XXXX XXXX XXXX XXXX XXXX XXXX Open date XXXX XXXX XXXX XXXX XXXXXXXX Open date XXXX XXXX Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me, and I strongly believe they are identity theft. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to support my claim.
Product: Payday loan, title loan, or personal loan

Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer, 15 USC 1602 ( h ), and a creditor, 15 USC 1602 ( f ), I issued my credit card online via OneMain Financial Group, LLC, on XXXX, XXXXXXXX XXXX, a consumer credit transaction was completed and OneMain Financial Group, LLC denied me credit. The denial discriminates against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Product: Checking or savings account

This case is complex and this is an update. Our data was stolen and used to open a fraudulent bank account to facilitate a fraudulent merchant account causing our data to be placed on the XXXX list for XXXX XXXX identity Theft. XXXX XXXX caused the XXXX. JP Morgan Chase opened the fraudulent bank account using our data. XXXX opened the fraudulent merchant account verified and confirmed identity theft placed the XXXX. XXXX XXXX was later aquired by XXXX. XXXX admitted and disclosed. XXXX XXXX obstructed. JP Morgan Chase obstructed then admitted. XXXX is assiting after aquisition. JP Morgan Chase is obstructing after admittance. There are several new storys breaking weekly which contain XXXX victims of JP Morgan Chase. This case is relevant to those victims. JP Morgan Chase was also part of the XXXX scandel. JP Morgan Chase is closing customer accounts and blaming them for fraud, terrorism, laundering, and human trafficking. We are not a customer of JP Morgan Chase and they are opening fraudulent bank accounts for fraud, terrorism, laundering, and human trafficking then blaming the victim using SARs and the XXXX as a weapon. They choose their victims based on color, gender, political, religion, etc. This action will freeze the person or business and financially destroy them. This document is an update and complaint. The Florida attorney general has been contacted, local police, FTC, and other deparments prior.