23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( XXXX ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exists. it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681i ( XXXX ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed must be removed. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( XXXX ) and the accounts listed must be removed. 

This is a collections account showing the balance Account number : XXXX XXXX XXXX XXXX 
Please remove this inaccurate information from my credit report The following is a collections/charge off. Balance should be {$0.00} Account number : XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

The following is a collections/charge off. Balance should be {$0.00} Account number : XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report Erroneous direct violation of FCRA Account number : XXXX XXXX MAIN Please investigate and remove from my credit report. 

The following is a charge off. Balance should be {$0.00} Account number : XXXX XXXXXXXX  XXXX XXXX. 
Please remove this inaccurate information from my credit report. 

The following is a charge off. Balance should be {$0.00} Account number : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

Erroneous direct violation of FCRA Account number : XXXX XXXX  Please investigate and remove from my credit report. 

This account is closed Account number : XXXX XXXX XXXX Please investigate and remove from my credit report. 

Erroneous direct violation of FCRA Account number : XXXX XXXX  XXXX Please investigate and remove from my credit report Erroneous direct violation of FCRA Account number : XXXX XXXX XXXX Please investigate and remove from my credit report. 

Erroneous direct violation of FCRA Account number : XXXX TXXXX Please investigate and remove from my credit report.
Product: Credit card

The company has not sent me a copy of the contract stating this account belongs to me. They have also added information to my credit file advising charge off being current since 2017. This has damaged my credit history and I need information to pursue the correct information legally. I have contacted them on many occasions and haven't got any information I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off reported on my Equifax and XXXX  credit report with the company XXXX XXXX XXXX. This company charged off a car loan I had in XXXX. The car went to a repo lot where XXXX said I could pay fess, pick up the car and continue making payments. I did that because I needed a vehicle. Well in XXXX, I was late paying and the car was picked up and sold. I thought my payments were being reported, but the credit bureaus were only reporting charge off. 
This company is in litigation and is a deceptive lender. 
I disputed my credit report and requested a deletion of this account based on wtong payment history, balances. terms. date of last activity. 
XXXX  and Equifax both validate information somehow and nothing changes. I do not even get a written reply from either credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year Equifax had a data breach that leaked my personal details and information. They had subpar security, and were negligent about making sure that my data was safe. After learning about the data breach, Equifax was negligent about handling the aftermath, and kept it secret for too long. Now that my personal details have been leaked, there is no way to get them back to being secret again. This threatens my ability to buy a house, buy a car, rent an apartment, or take out loans in case of an emergency ( like XXXX XXXX or XXXX ). In order to mitigate this for myself, I have to spend extra time and effort to monitor my credit, and will have to make sure to stay vigilant for the rest of my life. Their response to the breach was to offer 1 year of credit monitoring ( so, basically a free trial version ) to those affected, which signing up for their credit monitoring service would bind me to arbitration and prevent my participation in a class action lawsuit.
Product: Checking or savings account

Someone impersonated a Truist bank employee to get our information out of us. They sent us passcode notifications to " verify '' who we were. They even had the Truist bank music playing in the background. She identified herself as XXXX XXXX from XXXX XXXX. Her number was XXXX XXXX supposedly. Over XXXX was taken and spent on transactions that we did not authorize. There was a name of XXXX XXXX that was used to send XXXX payments. ( unauthorized ) All transactions started on our card in XXXX florida. She also made online bank accounts on my husband and I. She was very convincing that she was from the bank. Maybe she had someone helping her or she worked for them before. Calls took place on the weekend when no one is available to help at the bank. dates were XXXX XX/XX/23. Monday morning came and she was still calling to get info out of us. I went to our local branch, and the bankers called her from my cell phone. The lady from XXXX XXXX told them that they were fraud. Truist is refunding our money but wanted to report this so it doesn't happen to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I may be a victim of identity fraud by this company. Per my Transunion credit report, it states " XXXX XXXX '' had a permissible purpose and written authorization to receive my credit report on XX/XX/2021. However, to the best of my knowledge I have never applied for credit or a loan with this company, have an established business relationship, been offered a firm offer of credit nor have I given written authorization to pull my credit report. I have attempted to communicate directly with the company to voice my concerns and get additional information on this matter. However, despite the phone calls and emails, my attempts to resolve this matter have failed. I have questions that only XXXX XXXX can answer. 
I need to know did XXXX XXXX have written authorization and permissible purpose to receive my consumer credit report? I need to know was their an application for credit submitted in my name fraudulently? If so I will need that documentation to contact Transunion and dispute the inquiry and place a fraud alert on my file. I did not apply for credit via XXXX XXXX platform and I need to have the issue cleared up prior to contacting the credit bureau to have this inquiry removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with JPMCB CARD and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Student loan

This second complaint is a response to the first complaint I filed against Navient. 
The CFPB was quick to close this case without getting a full disclosure from both parties. 
I demand from them on the full securitization process/inquiry current update of the XXXX. 
XXXX XXXX XXXX are Trustee on this account based on the forensic audit report done. 
That why I requested documents regarding this account ( s ) as outline in my first complaint, but Navient never response to my request. No request as proof to CFPB, the credit bureaus nor me the consumer. 
If XXXX XXXX XXXX showed up on a audit report, would it be to that person interest to find out why, how and provide documentations of their claim. 
Navient failed to provide any SEC reports, XXXX # and filings regarding this account as requested. 
Failed to validate debt, disclosure of securitization process of the MPN/PN etc ... to the consumer. 
Those acts construe violation of XXXX. I demand a reinvestigation.
Product: Credit reporting or other personal consumer reports

This account is XXXX XXXX XXXX. This account should no longer be on my credit report according to the statutes of limitations XXXX XXXX
Product: Debt or credit management

I try to explain to them XXXX times that someone opens this card under my name without my Authorization and I try to wave and they not listen
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX XXXX XXXX XXXX I immediately noticed unauthorized inquiries and fraudulent credit accounts on my report. 

I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 


INCORRECT ACCOUNT INFORMATION Creditor Account Number Reason XXXX XXXX XXXXXXXX Never Applied for Credit XXXX XXXX XXXX XXXX Never Applied for XXXX XXXX XXXX XXXX XXXX Name Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing or any that I am not aware of or have authorized to do business with. 

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

Was checking my credit score and found out that someone tried to do a hard inquiries from different places on all three credit sites that I did not authorize this year so contacted all thee site to have them taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an annual credit report for myself and my husband from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, Order number XXXX. Order dated XX/XX/2021, phone number XXXX. When I contact this number they say this is an annual credit report that is free to me annually. I have NEVER given XXXX any information or the ok to run my credit and they hang up on you once they tell you that. It is not right that they are able to run my reports. It says it is a soft him. I have worked in the Insurance business for 20 years. A soft hit does NOT send you your annual credit report. I am furious that they have taken my information WITHOUT MINE OR MY HUSBAND 'S approval.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Hello - We do run a XXXX XXXX XXXX XXXX XXXX  and our customers are all around united states. Our bank account is breached and somebody transferred via ACH a total of XXXX USD to their account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : 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 : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX  Account Number XXXX and 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

I was in the PSLF program under XXXX and met theXXXX payment requirement. When I met theXXXX payment requirement XXXX had taken over XXXX of the loans. I was in constant communication with the and provided them all appropriate paperwork. In XX/XX/XXXX I was advised that the loans were forgiven and subsequently recieved a letter dated XXXX XXXX showing a XXXX balance the Federal Student Loan site also showed a XXXX balance. These all dropped from my credit reports but as of XX/XX/XXXX the loans and balances have returned to my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert that a new collection account has been added to my credit report XX/XX/XXXX, XXXX by Harris & Harris. I have never had an account with this company, nor did this company ever send me any notice of this alleged debt, Pursuant to 15 U.S.C. 1692g Validation of debts. This entry has been made without permissible purpose and without prior notification of the alleged debt.

According to the Fair Credit Reporting Act ( FCRA ), debt collectors are required to have permissible purpose to report information to credit reporting agencies. In this case, I have not been notified of the alleged debt, nor have I received any communication or validation of the debt from [ Harris & Harris ] or any other par
ty. As such, this entry is not vali nor in compliance with the FCRA.

Please investigate this matter and have Harris & Harris remove the inaccurate debt collection entry from my consumer credit rep
ort.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

In brief, BSI Financial has failed to make property tax payments due from the mortgage escrow account it manages on my behalf. 

BSI acquired my mortage from the initial issuer with effect XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I provided them with documentation of our homeowners insurance policy and property tax obligations and asked for confirmation that they would make scheduled payments from the escrow account they manage. I did not receive a written response after multiple follow-ups ( see email thread attached ), so called and was told verbally that the next payment, a property tax payment due to XXXX XXXX County no later than XXXX XX/XX/XXXX, would go out on that date. 

BSI did not make this payment, as a result of which XXXX XXXX County assessed a 10 % penalty fee. I confirmed with BSI that they had failed to make the payment and was given verbal assurances that they would make it immediately and cover the penalty fee themselves. Two weeks passed without any response to my request for confirmation that they had done so. On XXXX XX/XX/XXXX a BSI representative stated in writing that they had issued payment to XXXX XXXX County on XXXX XXXX for the tax due, including the 10 % payment which they covered as a separate check. I confirmed through BSI 's web portal that my escrow account had been debited by amount of the original ( pre-penalty ) tax obligation. As of today, XXXX XX/XX/XXXX, my property tax payment including the overdue penalty is still outstanding according to XXXX XXXX County. 

As things stand today, BSI has thus debited my escrow account but failed to pay the property tax due or the overdue penalty incurred as a result of its failure to perform. BSI 's representative has also ignored my repeated requests for a written acknowledgment of the history of this interaction.
Product: Mortgage

Last year Mr Cooper DBA Nationstar Mortgage threatened to force place insurance on my mortgage even though I had, have always had, and currently have my own insurance policy on the building with mortgage. After repeated attempts ( uploading the policy to their website, faxing the policy to the fax number provided, repeated calls to the their insurance department ), they finally " accepted '' the insurance policy, but then threatened to force place a policy for the year before last, and so I had to do the same with the prior year 's policy. I filed a complaint then with XXXX  XXXX because it is not legal to charge someone for a policy for a time long expired. Now, I received the same threatening letter yesterday for this year. I've been with the same insurance company for years, no change, etc. Predatory practice by lender to force place insurance policy/ escrow on unsuspecting innocent people, class action lawsuit imminent as I do not believe I am alone in this practice by this unethical and annoying lender.
Product: Debt collection

Jefferson Capital system calls and requests for me to make payment but has not verified my debt.
Product: Mortgage

My ... ..name is Mr. XXXX ... ..my Complaint ... ..is I am giving ... ..100 percent Exempt from paying property Tax ... ... because of my ... ..age!! The city of XXXX ... .of Virginia ... ..have allow Senior citizen like myself ... .become Tax Exempt Here within ... ..this City!! And I have ... .sent in 3-4 letters of this request and this ... ..Mortgage Company ... ..have not answer ... ..any those letters ... .have been Submitted ... ... and it have ... ..been little over a year now ... ..and they have not ... ..made any attempt ... .to answer those Tax-Exemption of ... .my properly. I even Contact ... .Social Service Department here ... .at City Hall ... and they have confirmed ... .I am one Hundred Exempt of ... .my properly Tax : My Mortgage ... ..should beless then what I am ... ..paying them ... ..!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX in amount of {$520.00} opened XXXXXXXX XXXX XXXX XXXX - original creditor XXXX XXXX XXXX XXXX in amount of {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX / original creditor -XXXX XXXX in amount of {$1400.00} opened - XX/XX/XXXXXXXX XXXX XXXX - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX XXXX balance {$57000.00} opened XXXX XXXX  XXXX  - balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX  - {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  - {$440.00} opened XX/XX/XXXX
Product: Debt collection

I did n't open a loan in XXXX of 2015 at XXXX XXXX