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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have two checking account with TD bank, and one of checking account got fraud transactions then we reported to the bank and after the issue been resolve, I closed this checking account. So I am using the other checking with no fraud transactions one. After one month, this normal checking has been freeze by the TD bank. and they were saying it is under the same name with prior account, previously the fraud transaction was someone trying to deposit the check in ATM which is not belong to themselves. BUT they had my debit card PIN, so the bank was consider that is me. now TD was freeze my account completely, I can deposit but no withdraw and they block all the online banking for me. I am retired women I need the the money to live. now they freeze all my account completely I don't know what to do. I don't really know how did they get my PIN, but the PIN only ME knows, nobody else. I am also a victim in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. Some accounts have been removed but there are a few left on there i have attached an ftc report and the company already have a copy of my police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I went ONLINE to XXXX to request an Equifax credit report BUT Equifax tells me I entered invalid answers to their questions when verifying me. Attached is a screen print of the refusal by Equifax. 
I also I CALLED Equifax at XXXX which also asked me questions over the phone and again I was refused. I also called XXXX and XXXX and it was the same Interactive Voice Response. I could NOT get past to a human being! 

I DON'T RECOGNIZE THE ANSWERS THEY PROVIDE FOR ME TO CHOOSE! I am a senior and my credit history goes back XXXX years. 
1 ) I don't remember my phone numbers from 20 years ago. 
2 ) Large companies have different names from the advertised names of loans or credit cards that I know them by. 

I have been notified by XXXX that my PERSONAL DATA WAS HACKED including my SSN. I have an XXXX FICO score and am concerned about IDENTITY THEFT. 
I tried Equifax.com and myEquifax.com and they don't recognize me either. I have a security Freeze on my reports but am told it won't affect getting my report at XXXX I pulled my last Equifax report on XXXX a year ago. I want to review my current Equifax credit report ASAP.
Product: Debt collection

XXXX XXXX XXXX is such a liar and so stupid that they told on themselves by including documents showing that I signed a 60 day notice stating that I was not re-newing my lease for XX/XX/XXXX. So why are they lying stating that I re-signed a lease I'm XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$250.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect bills being reported to my credit. 1 ) XXXX XXXX  2 ) SEQUIUM ASSET SOLUTIONS, ( a debt collector for XXXX XXXX XXXX The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

XXXX shows duplicate loans for five of my student loans with Mohela. I have submitted a dispute request with XXXX. However, XXXX only allows me to dispute one loan at a time. At least that is how their dispute form appeared at the time I filed it. Which is simply mindboggling. I want all the duplicates to be dropped. This should be done with care as to not disrupt the original record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following 8 companies : 1. XXXX XXXX Bank # XXXX XXXX. XXXX  # XXXX XXXX. XXXX # XXXX XXXX. XXXX - XXXX  RETAIL # XXXX XXXX. XXXX XXXX XXXX XXXX. # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX. # XXXX Amount : {$730.00} XXXX. XXXX XXXX XXXX. # XXXX Amount : {$670.00} 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 an account without my written instructions
Product: Debt collection

Multiple types of debt have been bought and sold multiple times through multiple agencies and reporting duplicates of this information on my credit report, damaging it to the point of no hope to fix it in the foreseeable future. The collection agencies involved are not licensed in my state through NMLS to conduct any business with regards to debt collection, lending, or other financial services. I was not given any debt validation prior to the collection accounts reporting to my credit and damaging it. I am not able to fix/access tools to help me gain financial ground due to these collections. The original creditors with whom I have proof of debt owed and have been in contact with are working with me due to my unemployment at the time of origination. I am being constantly harassed by phone calls that show up as local phone numbers and yet when I attempt to call back I get answers from normal people saying they never called. For reference here are the collection company information for all places that are reporting on my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Management Co dba/ CMC Credit Management ; Credit Management Company XXXX XXXX XXXX Credit Management Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted Cavalry Portfolio numerous times and they have NOT provided validation for the debt they list on my credit report. They have only written me back and said that " no further collection efforts will be made unless and until validation is provided ''. HOWEVER, they are still reporting and verifying with the credit bureau that this is my debt. I have NO KNOWLEDGE of this debt. This is ridiculous that I have to file a complaint and write a dozen letters only to be ignored and my good credit destroyed by this evil debt buyer. Being ON my credit report IS DEBT COLLECTION! They claim a debt is mine and refuses to prove it. This is extortion!
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all XXXX  credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of 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 with my wet signature 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. 

Also, 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. Ive done research on the XXXX  and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, and Drivers License is attached for proof of identity.
Product: Checking or savings account

I deposited {$3000.00} into my SoFi Checking account from my XXXX XXXX account. SoFi has frozen my account and instructed me to contact the Fraud Prevention team. Any attempts to contact them goes to voicemail and they are not contacting me back for me to have the account unfrozen. This has left me with no access to my funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of idenity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. i do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my report were not opened, made or initiated by me but through identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attachment belows shows that I have a 59 % and also feels at the bottom that once I get to 40 % my loan balance will no longer be negative score factor. But some how Experion its keeping the loan balance as a negative which means I have not paid 40 % while showing the correct amount that I have paid 59 %. How it is supposed to work is once I get to40 % loan balance is to be removed. please correct because the credit tampering because experion wrongfully Named suggestions ( Score factors ) then use this suggestion that can not be disputed as real factors to destroy my score. But every time I ask the representative about score factors they referred to the ones on my file and not the ones call school factors. That are not on my file. The same file with nothing but the age of credit increase. Have been XXXX - XXXX to XXXX the same file give all these deferent number. Look at the timeline you will see Credit fraud Consecutively.
Product: Credit reporting, credit repair services, or other personal consumer reports

My VA home mortgage with PennyMac was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, PennyMac had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that PennyMac reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my PennyMac account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as .5 pt in the next week or so.
Product: Student loan

several times I have made an attempt to resolve the issue that I was having with  NELNET  to no avail. this is about the third or fourth complaint that I have submitted and they purposely and continually refuse to acknowledge my request. recently I received an alert on my phone from privacy Guard letting me know that an account has been added to my credit profile through   XXXX   this was  XXXX / XXXX /  XXXX   so when I check it I see where an new account has been added by NELNET. They have re-aged an old account so it appears. I called  XXXX  the following day asking how can they allow these accounts to added to my credit profile while I have an fraud alert and an identity theft report concerning my credit profile but the woman stated it was n't appearing on their but I know that was false because it appears on my phone and my   credit score   has drop tremendously because of it. They have purposely and continually to violate the FCRA and the FDCPA. I recently been doing some studying about their closing ; so how is it are there continually to collect on student loans and thy are no longer open. I will be filling a suit in small claims if they refuse to verify and validate the debt but continue to report it on my credit profile.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I tried to buy an XXXX gift card from a merchant for {$120.00}. They were trusting and had traded with multiple others before. I paid for the gift card, but the merchant did not contact me back after receiving the payment. After trying to contact the merchant multiple times through both XXXX and direct messaging, there was no response. I decided to make a charge dispute for fraud/scam with my bank ( SoFi ). I mentioned everything to SoFi and mentioned I got scammed ; they denied my dispute right away. I tried to contact them multiple times on the decision, and they did not respond for 8 days. They responded that the decision was made based on an " investigation '' that was done very quickly and did not present the option to reappeal. They insisted that the investigation was done, and they did not give any proof of an investigation until I contacted them again. They finally gave me a document that shows their " investigation, '' but I am not able to open it due to it being locked behind a login that they did not share. I submitted a reappeal and they quickly, in less than a day, denied my reappeal. They again sent a document of the " investigation '' that was locked behind a login that they did not share.
Product: Debt collection

I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing incident of identity theft that I have recently experienced. Unfortunately, I have become a victim of unauthorized access to my personal and financial information. In light of this, I have taken immediate steps to address the situation, including notifying my financial institutions, changing passwords for online accounts, and reporting the incident to law enforcement. 

I am reaching out to the CFPB to formally report this incident and seek guidance on further actions I should take to protect my financial interests and personal information. Your assistance and expertise in handling cases of identity theft are highly appreciated, and I trust that the CFPB will provide the necessary support to help me navigate through this challenging situation. 

Thank you for your attention to this matter. I look forward to any guidance or assistance you can offer. 

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

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XXXX XXXX 2019, I opened a BMO Harris Platinum Money Market account based on a promotion of a total bonus of {$300.00} associated with this account. 

The terms required depositing {$10000.00} into the Money Market account and not letting the balance drop below {$10000.00} for the next 90 days. To satisfy this requirement, I deposited {$10000.00} into the account on XXXX XXXX, 2019, and then did not remove any money from the account until XXXX XXXX, 2019 ( 92 days later ). 

The {$300.00} incentive corresponds with offers ( 2 ) and ( 3 ) on the attached PDF " BMO XX/XX/2019 promo XXXX ''. I also did offer ( 1 ) and received the {$400.00} bonus for that offer, which is relevant to receiving offer ( 3 ). 

The dispute is with offer ( 2 ). See the attached chat logs for details, but the summary is that BMO Harris says that because I transferred the new money into the checking account I opened for offer ( 1 ), then immediately into the money market account to start the 90 day timer, that I did not satisfy the " new money '' requirement. 

I think this is a disingenuous interpretation of " not currently on deposit at BMO Harris Bank or its affiliates ''. You can see from the attached account history images that I transferred the money into the Money Market account on the same day that it transferred to BMO 's checking account from an external source. I could have withdrawn the money from the checking account at a branch, held the {$10000.00} in cash for two seconds, and then deposited the " new money '' into the money market account. But that kind of nonsense would be a waste of everyone 's time. I expect better of myself and I expect better of BMO Harris as well.
Product: Credit reporting or other personal consumer reports

Kindly update my account and remove the late payment. I always pay on time and never missed a payment. I'm begging you please update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps reporting an XXXX auto loan as " currently active '' each year when this account has been closed and paid in my XXXX XXXX XXXX  that was discharged in XXXX. This affects my credit score each year and my score with Equifax has currently decreased by XXXX points because it now shows that this account is currently delinquent when this is completely false. This account was paid for 100 % per the bankruptcy laws here in Alabama. No other creditor has does this but XXXX XXXX. I have reached out to Equifax ( whom is reporting this ) and disputed this again for the second time this week. I can not get anyone at XXXX to help me out with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Collection company is reporting fraud/identity theft to my Credit Reports : Name FINANCIAL DATA SYSTEMS Address XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX number ( XXXX ) XXXX Please Close and Remove Account Off Credit Reports