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

I have 3 bankruptcies on my credit report and over 115 inquiries on each report due to identify theft. 
XXXXXXXX XXXX XXXX LexisNexis and l i, i did not disclose any personal information to these companies for any reason, nor did the bankruptcy court or my attorney. We sent letters of expungement from the courts on XX/XX/2023 for them to be taken of my credit report all companies have failed to do so. They are violating my rights as a consumer, And under FCRA. Can you someone please reach out to these companies XXXX XXXX LexisNexis XXXX XXXX And have them to remove all 3 bankruptcies off of my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received an email from Bank of America that an account had been opened in my name. I did not open any accounts. I tried to contact someone from Bank of America but they were unable to help. On XX/XX/XXXX I received an additional email from Bank of America about the addition of a new XXXX contact. And also on XX/XX/XXXX an email from Bank of America about suspicious debit card activity. I spent hours on the phone just to find out that a fraudulent account had been opened using my SSN.
Product: Credit reporting or other personal consumer reports

I become aware of my identity theft some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the XXXX major credit bureaus. I have no association with these accounts or had any knowedge of them being opened until XX/XX/year>. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Their credit reporting is false and inaccurate. They are reporting a middle name on my report. I never had a middle name but they are falsely reporting it. All other credit reporting bureaus are reporting accurately except for TransUnion. I have tried to fix this issue for many months.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I sent dispute letters to XXXX, Equifax, and XXXX. Today is XXXX XXXX and I still haven't heard from either agency. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Account was never late XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. Account was never late XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

The name of the bank is MT Bank. They don't provide assistance and most of them are rude. I spoke to them since XX/XX/XXXX. One of the initial letters mentioned that there was assistance for those who were affected by Covid 19. Three options. One adding the missed payments to the end of the loan. Loan Modification and the last one I  don't remember. there customer service told me that even though my loan is backed up with an FHA loan I needed to ask them for help not them. They have an online request for Covid 19 assistance and she flat out told me that I didn't qualify. Do you know what forbearance is she said you clearly don't know. I had to call each month to make a payment bc they don't allow any transactions. After my third call they changed it and had to explain my account is in forbearance. Yes they are bill collectors and act like one. I was asking them for assistance only bc my husband is furlough and we need help. We made payments up to XXXX. I had to ask for loans bc Mt Bank didn't want to help us out. We don't qualify for anything it seems. they don't work with me only telling me to wait for a loan modification if I qualify. Others around me my neighbors have FHA loans and they moved 3 to 6 missed payments to their mortgage balance. MT Bank doesn't do that. I just had a call yesterday and there was no message left. 
My husband is out of a job so its frustrating using all our savings bc were too afraid of MT Bank. They don't want to help us at all. You don't qualify for nothing. While other banks with FHA loans are sensitive and don't play with you or make you feel like an XXXX. My loan is an FHA loan and I don't feel protected and feel that MT Bank could help more. Can someone assist me?
Product: Credit card

The heating and air company I purchased a new heat pump from offered a XXXX % interest promo. They strongly encouraged using it as it's " free money ''. I set up the account with auto-payment and didn't think about it again until my finance app asked me to classify {$3100.00} in interest on a remaining balance of {$2600.00}. I can find those details on my statement if I dig in, but it never occurred to me that if the amount wasn't paid in full by the end of the promo period that the interest due would be on the original amount and not the remaining balance. To me this is deceptive and predatory lending. I think most people would assume that if not paid in full by the end of the promo it would just go to a typical credit card with interest on the unpaid balance. This was not made clear to me when I signed up for this promo. I think the intent is to trick the consumer into paying an extremely high interest rate on the full amount and the bank is working with heating and air companies to promote this on unsuspecting consumers. 

After I saw the huge amount of interest charge appear on my balance, I called the bank, and they said there is no grace period, and that they were unable to waive that interest charge and me paying in full at this point would make no difference. Like many consumers today, I don't get paper statements and rarely login to review this account as I only have an account with this bank through this promo. At a minimum, there should be a grace period from when the balance increases because of them adding the interest charge.
Product: Credit reporting or other personal consumer reports

years I've been fighting with these credit agencies about accounts being solicited on their platform for profit and gain without my explicit and direct consent. And for years these credit agencies use their platform to harm the character of consumers while causing stress and mental anguish while they gain profit off of the consumers name. There are XXXX accounts in question that TransUnion refuses to verify but continues to publish on their platform regarding consumer XXXX XXXX non public personal information. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. I never gave the XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX explicit or written consent to publish my non public personal information. The definition of XXXX means to prove something through sworn statement. I never received a sworn statement after requesting verification of accounts which is a violation of the XXXX Fair Credit Reporting Act and also a violation of XXXX XXXX XXXX in the conspiracy to team up against me in the collection of a debt as well as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit agencies is also in Violation of section XXXX of the Fair Credit Reporting Act XXXX XXXX XXXX Permissable Purpose. These accounts are XXXX accounts and the credit agencies is still reporting a balance when no credit amount should be displayed at all. Because I never gave written or explicit consent to publish non public personal information, The credit agencies is also in Violation of XXXX XXXX XXXX - Aggravated identity theft stemming from violating FCRA XXXX XXXX XXXX XXXX XXXX permissible purpose can be access and used by third parties. Therefore I am exercising my consumer rights per FCRA under XXXX XXXX XXXX and demand a block of information resulting from identity theft. The CFPB can provide appropriate proof of the identity of the consumer. This information is not information relating to any transaction by the consumer. The Credit agencies, XXXX XXXX XXXX nor XXXX XXXX can provide a sworn statement under penalty and perjury that they have explicit consent to furnish non public personal information about consumer. This is my notice that if either company can not provide a sworn statement that consumer owns, owes a debt to them or if verification can not be provided to consumer for consumer to inspect and these items still remain on consumers credit report after verification process then consumer will take it as a willful act of violation against the consumer and will be forced to file suit of claim in state court. There isn't any lawful contract in effect between XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. No verification has been sent to XXXX XXXX proving consent or agreement for the publication of non public personal information. TransUnion, XXXX and XXXX are non government affiliate private third party entities who are purposely violating consumer rights. I XXXX XXXX do hereby attest under penalty and perjury that I did not give explicit or written consent for my non public personal information to be shared with any third party entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX has violated my rights. 

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

TransUnion Consumer Solutions XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : Collections Collections Account Reported Amount : {$4000.00} Date of Opening : ( Details unavailable in provided report ) Credit Collection Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

Account Number : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX Balance : {$99.00} Date Opened : XX/XX/XXXX Additional Accounts from TransUnion Report XXXX XXXX XXXX  Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$5500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$4800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX I have attached supporting documentation to assist with your investigation. 

I request that TransUnion : Conduct a thorough investigation into these matters.

Correct or delete the inaccurate information as appropriate.

Provide me with a copy of the updated credit report reflecting these changes.

Please note that FCRA requires you to resolve this dispute within 30 days. If additional documentation is needed, please contact me immediately at the address above.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXXAll Rights Reserved Without Prejudice
Product: Checking or savings account

Capital one bank refuses to reverse nsf fees caused by a company whom I instructed to close my account. The company failed to do so and repeatedly tried to debt my bank. Capital one charged me for every failed attempt over nine times at XXXX $ each. Outrageous! There policy is because I authorized recurring payments. It was ok to bill me. Catch 22 for them to ROB me. 
Even though I opted out of overdraft protection!!! 

Now I ca n't even access my records on line. To challenge them because I get online statements that I ca n't see!!! 

Need help please. I am a disable veteran on fixed income. Ca n't pay bank robbers half my check. Smh XXXX XXXX XXXX retired
Product: Bank account or service

on XX/XX/XXXX I made a deposit to my XXXX acct. at citizens
 bank for XXXX the teller made a mistake and wrote XXXX
I told her it was XXXX they made me come the next day 
so they could fix the mistake. They deposited XXXX into
my acct. I assumed all was good but 5 months later XX/XX/XXXX
they debit my acct for XXXX saying their was an encoding
era and they never received the funds from my deposit they 
then took what funds were in my acct. and said I owed the
balance. XX/XX/XXXX is when looked at my acct. online and was
beside myself. I lost a days wages a check bounced on me
and i could not pay my subcontractors. Their is something
seriously wrong with doing this 5 months later what if i could 
not contact the customer to be reimbursed the funds or he 
died. how would i be able to fix this without major implications 
to me and my family. I want something to be done about this!
Product: Debt collection

I sent the communication to this company as follows : National Credit Adjusters P.O Box XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To whom it may concern : The following account/alleged debts are reported to my consumer report, I, the consumer did NOT give XXXX any written instruction to do at the request of National Credit Adjusters. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. I have also included the law for the mentioned account showing I was the original creditor and no debt was/is owed to the alleged debt collector. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

Under 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 



As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2020. I have never done business with this company. 

I will include the official letter sent.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a dispute with Transunion about this account and they have not responded in the 30 days required according to FCRA regulations
Product: Credit reporting or other personal consumer reports

I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy. 

Due to the XXXX XXXX Data Breach in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may result from compromised data. This breach has significantly increased identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

XXXX XXXX was not allow to text or call my cell phone for an account I have with their office. I told the rep XX/XX/2022 I don't give XXXX XXXX  permission to text or call my phone. This company is sending me text messages. I didn't consent for XXXX to reach out to me via text.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a loan I didn't authorize, sign or agree to. All money that was sent to me as a way to be subject to accept such loan was sent back through a federal bank with tracking numbers to verify they have all funds back in there possession. This loan needs to be taken off my credit reports asap.
Product: Payday loan, title loan, or personal loan

borrowed {$7000.00} with paypal credit acct # XXXX. It was a no interest 6 month loan. I sent full payment XX/XX/XXXX. There were XXXX checks enclosed in the payment envelope. I called paypal credit before the due date and told them I was mailing checks as payment. They told me it takes over 30 days to process physical checks. I told them that they were mailed. Mid XX/XX/XXXX received a statement that showed over XXXX of added interest. I called and I reviewed the account and the received payments. They were {$90.00} short on the {$7000.00} payments which was one of the checks enclosed. I faxed them copies of all the checks and they said they would correct it. The {$90.00} check was never cashed, they just lost it. XX/XX/XXXX they are now telling me they ca n't reverse the added interest of over {$900.00}. They are claiming that I paid late XX/XX/XXXX. We had another account under my wife 's name that was mailed on same day with 4 checks for payment and that account was processed properly.
Product: Mortgage

I had a fire at my home on XX/XX/2018. My mortgage company refuses to release my insurance funds to enable me to start repairs on my home and in violation of the recorded Deed of Trust on my property ( XXXX ). I have been writing to my mortgage company since XX/XX/2018. For over 100 days they have not directly responded to my written requests hindering me from making repairs to my home in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I XXXX XXXX of XXXX XXXX XXXX # XXXX XXXX XXXX, texas submitted to Experian XXXX XXXX XXXX TEXAS, A notice of pending litigation seeking relief and monetary damages under fcra section 616 and section 617, to amicably resolve their continued violation of the fair credit reporting act, regarding refusal to delete unverified information from my consumer file, a certified copy of this letter, and 3 previous certified letters with proof of identification, failed to delete these accounts from my consumer file, the law clearly states under section [ 609 ] ( a ) ( 1 ) ( A ) and section [ 611 ] ( a ) ( 1 ) ( A ) which requires they provide me a copy of any original documentation ( a consumer contract with my signature on it ) furthermore under the FCRA SECTON 611 ( 5 ) ( A ) They were required to delete all information which can not be verified! ON  XX/XX/2020, I XXXX XXXX received a letter in the mail from experian, report # XXXX That the had completed their reinvestigation and they found all of unverified accounts as accurate, without proof to me ( the consumer ) these unverified accounts remain on my consumer file despite these violations of the FCRA, THE LAW IS VERY CLEAR, to the civil liability, and the remedy available to me ( section616 and 617 ) please enforce my rights under the FCRA. THANK YOU, SINCERELY XXXX XXXX