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

AMENDED CONSUMER COMPLAINT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX NV XXXX just mail me a copy of my credit report snapshot which i did not requested i have mailed certify latter that they violate federal Law releasing my credit report with out my consent they need to pay the damages described by federal code regulation sharing my credit file with 3 parity for profit with my aware about with out my consent with out my signature it is absolutely a violation of federal statue i lost my credit score i lost my job i have additional hard inquires in my credit file which drop my score from XXXX to XXXX. i want CFPB to admit my complaint on my behalf in federal court in Washington and let the court make decision on it. thank you.my credit report was requested by XXXX county State of Nevada with out my consent Family support Services Division took loan on my behalf under my social security with my consent with my knowledge with out my signature it is Fraud by county and State of Nevada it is punished able by federal law i was those people held accountable for wrong doing by checking my credit with telling me with my consent i there making threat against my false arrest to put me in jail they where sending me lattes to revoke/ cancelled my driver license which i need to drive to go religion places for my religious pick up my kids from school i have to pay them because they where threatening to revoke my lic i did not have food in my house to feed my kids because i lost my job because of this problem i did not have job i have no paycheck because i am XXXX person my XXXX on appeal that loan they took on my name need to e removed that loan account status should be removed from my credit file and status should be paid in full or never happen. 


XXXX XXXX. 

Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX XXXX XXXX Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however Experian and XXXX still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that Experian and XXXX remove this collection account from my credit report immediately.
Product: Consumer Loan

I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 14X ) stating that Nissan stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the truck nor the amount that they sold it for. The amount I owe should be less whatever they sold the truck for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately fifteen working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that does n't belong to me. Please govern yourselves accordingly.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally. I am a victim of unfair practices. Someone used my personal information to acquire credit with out my consent or authorization. please assist me with Deleting these items from my credit reports, effective immediately. 
These fraudulent accounts consist of the following : Company or Organization : EQUIFAX XXXX or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft, there are fraudulent inquires reporting on my credit report
Product: Debt collection

LVNV placed an collection account on my XXXX Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX ( Original Creditor : XXXX ) XXXX ACCT SERVICE ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Mortgage

Dear CFPB, I had my mortgage with Bank of America, but I have not been receiving any type of notification from them for a many years now. I have called the Bank of America many times to resolve this matter, but unfortunately I was told that I no longer have a mortgage with Bank of America. I found out that my mortgage has been moved to XXXX XXXX. I never authorized this transfer nor requested the Bank of America to make any changes to my mortgage. There was no service transfer notification, nor any form of notification that this transfer has been made. I wish I can find more information but I am not able to receive any information from both XXXX XXXX & Bank of America until now. I spoke to many different representatives for many times from different department, but I am not able to find any information regarding my mortgage. Now when I ran my credit report, I saw many delinquent payment notices on my report from Bank of America. This is very unfair and I do n't know whom I can speak to to resolve this matter. Because of this ridiculous happening, I am not able to file a modification nor enroll for any financial help programs. I do not want to lose my home, but there is nothing I can do because of those delinquency notices on my credit report. 
Please help me to resolve this matter. I am very worried and lost at this point because I feel like the banks have used my personal information without my consent or authorization to make these changes and I am not able to receive any information from those banks. Once again, I never requested any changes or transfer, never late on my payments, and I do not want to lose my home. 

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

I sent a letter dated on XX/XX/2020, requesting the company to remove inaccurate information from my credit report that is on file with them. The company sent a response dated on XX/XX/2020, deleting some of the inaccurate information but left XXXX bankruptcies in the public records section. I sent a Method of Verification letter dated on XX/XX/2020, requesting how the information of bankruptcy was verified as my right as per the Fair Credit Reporting Act ( F.C.R.A. 611 ( a ) ( 7 ) -to request a complete description of all methods used to investigate my dispute ). 

To the date of this complaint, I did not receive a response and the company had fifteen ( 15 ) days to provide a response to the Method of Verification as per the Fair Credit Reporting Act.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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 an 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 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

TO WHOM IT MAY CONCERN, 15 USC 1681s-2 STATES THAT A CONSUMER REPORTING AGENCY SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER IF THE CONSUMER KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. I HAVE MULTIPLE ACCOUNTS THAT ARE INACCURATE ACCORDING TO TAX LAW 26 USC 61 SECTION 11 STATES THAT DISCHARGE OF INDEBTEDNESS IS CONSIDERED TAXABLE GROSS INCOME PER THE IRS CLEARLY DEFINES A CHARGE- OFF AS GROSS OR ORDINARY INCOME AND INCOME DOES NOT GET REPORTED TO A CONSUMERS CREDIT REPORT, WHICH MAKES THIS INFORMATION INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR ALL NEGATIVE ACCOUNTS. ALSO, I HAVE NO KNOWLEDGE OF ANY OF THE INQUIRIES AND COLLECTION ACCOUNTS WHICH MAKED THIS INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR THOSE ACCOUNTS AS WELL!
Product: Student loan

I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.
Product: Checking or savings account

XXXX XXXX i was going to transfer some money from Cash App. Check-in account to my debit card from current. I was not able to because it said my account XXXX. It had some suspicious activity, so it was temporarily suspended. So I've been on the phone with Cash App all day today, XX/XX/XXXX back-and-forth, trying to get a reason why and what activity did they consider suspicious and for them to open my account up again so I can have access to my funds so I can pay my rent but they all tell me that. There's no further information they can give me that. It'll take 24 hours for them to respond back to me and and that's that, and I have no access to my money.And I have a XXXX XXXX XXXX dollars in there and I told them that's my rent money.It 's a lot of money, and I need answers and they're just not providing them for me.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning as I have been doing so for as long as I remember but this is the first time that this has happened on my credit report. I have no idea why this inaccuracy showed up on my credit report so please check the documents that I've sent regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
U S DEPT OF ED/XXXX Account # : XXXX XXXX DEPARTMENT OF EDU Account # : XXXX US DEPT ED Account XXXX XXXX XXXX DEPTEDXXXX Account # : XXXX XXXX U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a 01/12/2022
Product: Mortgage

Received a XXXX from Bay View a third party provider for XXXX. 
Their are numerous issues such as incorrect titling Incorrect coding on the XXXX form No release of lien but forced a tax event with the IRS and State
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX TX Consumer Financial Protection Bureau Dear XXXX, I am writing to file a formal complaint against Discover Credit Card regarding their handling of a dispute regarding a fraudulent charge on my account ( Discover Case # XXXX, Reference # XXXX ). Discover hastily rejected my dispute, leaving me unfairly liable for a fraudulent transaction. 

On XX/XX/2024, my Discover Credit Card was charged for the purchase of a XXXX ticket. However, upon reviewing the transaction details provided by Discover, it became evident that the passengers ' names associated with the ticket were not recognized by myself or anyone in my household ( Reference # XXXX ). This discrepancy strongly suggests that the transaction was fraudulent and unauthorized. 

Furthermore, I would like to highlight that during the time of the transaction and the flight period, I was physically present in Texas, as evidenced by other credit card transactions made with my XXXX XXXX ( XXXX ) and Discover cards ( Evidence # XXXX and Evidence # XXXX ). This clearly indicates that I could not have been the one to make the purchase in question. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter fairly and promptly. I kindly request that you intervene on my behalf and compel Discover to revisit my dispute with the seriousness and thoroughness it deserves. 

I appreciate the CFPB 's commitment to protecting consumers like me, and I trust that you will take the necessary steps to ensure a satisfactory resolution to this issue. I am available to provide any additional information or documentation you may require assisting with your investigation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : Reference XXXX : Discover rejection notice. 
Reference XXXX : Fraudulent and unauthorized transaction details. 
Evidence XXXX : XXXX transaction during the fraudulent transactions period. 
Evidence XXXX : Discover transaction during the fraudulent transactions period.
Product: Checking or savings account

I have two saving accounts with TD Bank and Checking Account and on XX/XX/2018 TD bank charge with {$5.00} fee is this legal with all the account with TD Banks this equal more then {$300.00} is this to charge me this fee Please investigate this bank fee and explain in write why I was charge {$5.00} with three accounts and the total balance is over {$300.00} and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation
Product: Credit reporting or other personal consumer reports

Please know that the details in my credit report are inaccurate. It includes incorrect addresses and unauthorized inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.