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

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

Company rep. from XXXX XXXX XXXX XXXX has called every day since XX/XX/XXXX XXXX it is now XX/XX/2020. I have called and spoke to the rep. and they said its a cold calling system and it can't be avoided. have already agreed to pay {$500.00} a month due by the XXXX of each month and the payment usually gets posted a week prior to that date. every time they call no one leaves a message and I call back to see whom has called, it always a different phone number but same company. I block the number each time.
Product: Debt collection

I received a message from my ex sister in law of 20+ years that she was contacted DFC Legal wanting to know information about me and to leave a message for me to call them. The woman told my ex sister in law that I " would be very happy to hear from them. '' My ex sister in law has been divorced from my brother over 20+ years now, she has remarried and has n't gone by our last name for over 15 years. As a matter of fact, she is now a widow and has returned to using her maiden name. She does n't even know how they got her telephone number or put together that we were related at one time. Also, I have no outstanding debts to be collected. All of my debts are current and there is no reason for this company to be contacting me or any one that I know. I have had the same telephone number now for about 14 years and I 'm sure they wanted to contact me ; my information can be found very easily.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions TransUnion consistently responds within 24 hours stating the account is accurate without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs recent administrative proceeding ( File No. 2025- CFBP-0002 ) against them for similar violations. I request that the CFBP take action to ensure TransUnion complied with federal law and provides consumers with the necessary proof of investigation and evidence. These is the account I have marked as inaccurate : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was told that multiple hard credit checks ( shopping rates for purchasing a home ) within 30 days wouldnt damage my credit score. I decided to be thorough and had 28 credit checks for mortgage rate shopping from XX/XX/XXXX to XX/XX/year>, and this caused my credit score to drop significantly. I was told that this wouldnt cause my score to drop. And I am trying to close on a house this month! 
Also, I have paid off my credit card debt, but the debt is still showing up on my credit report, and is still damaging my credit score. I have never had my credit score be below 700 until now ( now its only XXXX! ). If I dont receive help from these credit companies quickly, I might lose the home Im trying to get. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - XXXX, TransUnion and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?
Product: Student loan

I am currently working for a non-profit and am eligible for my loans to be forgiven after 10 years of payments. My loan company has changed many times ( and I have had no control of this ). I was with Navient for a number of years. A year and a half ago my loans moved from Navient to XXXX. I made many calls while with Navient to make sure that my payments would count toward my loan forgiveness. I was told that I was on a payment plan that would count toward my ten years. I recently learned that Navient had me on a plan that does not count! To top it off, I was paying more per month than the plan that would count toward my ten year forgiveness period. So, I have almost two years of payments that will not count ( and like I said, I was paying more than what I should have been! ). I am extremely frustrated. Like I said, I did not opt to go with Navient- my loans transferred. I listened to them and did what I was advised and it was all wrong! I now have two additional years of payments!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK WEST Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK WEST Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Mortgage

On XX/XX/XXXX, I lost my job at no fault of my own. I have been current with my mortgage since XXXX. Due to this hardship, I am 30 days late. 

I obtained employment on XX/XX/XXXX. The position pays XXXX annually. I will be making a full mortgage payment this month on the XXXX. After this payment I will still be 30 days delinquent. 

I reached out to Shell point and explained my situation. I spoke with a person named XXXX XXXX. To better identify her I have provided her email XXXX She said to notify her when I gained employment. She didn't take anymore information on my hardship or even review it for available options. 

I then spoke with another agent who told me I could not be offered any programs until I was 60 days late. I asked her why I would do that when more than likely I was getting a new job and would be able to make my XXXX payment. Her response was they is the policy. I found this troubling that a company would not provide any hardship assistance until I was 60 days late. 

I then spoke with another agent that said I had to make a payment plan and was not eligible for a hardship forbearance. She said that was not an option and they don't give those out for unemployment. 

I then spoke to another agent who told me to submit a hardship letter via email and they may be able to put the past due amount on the back of the loan.I did this yesterday XX/XX/XXXX Today, I called to follow up. The agent told me I was not eligible to have the past due amount put on the back of loan. She said a repayment plan of XXXX a month is what I would need to make. I told here I am recovering from a job loss and it would put me in yet another hardship. I told her I was making a good faith effort by making my payment this month. That did not matter to her, She said no one can make them change there policy. 

I have been threatened with stacking up late fees continuous for the past due amount and door knocks, I am only 30 days past due. I do not think it unreasonable to put the past due amount on the back of my loan. They are putting me in a position that will result in possibly losing my home. 




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

By the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

Mr. Cooper is charging me {$53.00} every month for legal fees for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Up until 2013 I was a customer of Bank of America. I had perfect standing accounts at all banks and financial institutions and a great credit score. Sometime later in 2013 I had deposited a check from my  partner from a different bank to my personal account at Bank of America. I had no idea that the check would bounce but it did weeks after the deposit. I had used the funds and was unaware of the account status until returning from my trip. When I was back in town and made aware of the issue, my account was already closed ( charged off ) and I was reported to all credit agencies and put on XXXX XXXX. I made the account current but the bank made it clear that the reporting decision was out of their hands and did not give me any direction on how to dispute the situation. Not only was I reported to XXXX XXXX but I was also reported to all financial institutions and credit agencies as a person who has committed " fraudulent activity. '' I was wrongfully reported to the agencies as a fraudulent customer and this has not only defamed my character at a life destructive level for me, but it has specifically caused me major financial loss in every category of my life ( business and personal ) and has led to my current situation of being supported by the government for the very first time in my life. I was a successful, young entrepreneur and professional before this incident and I am now suffering from major mental issues and emotional distress caused by the unlawful decision/action by Bank of America. 

I have tried resolving this matter directly with Bank of America from the very beginning with multiple attempts at a settlement and resolution but each time was involved in a process that took 6 months or longer to receive a general rejection at the end with no legitimate explanation. 
The case number I was assigned for the claim by BofA was : XXXX This situation has not only banned me from opening a bank account/financial account anywhere in the country since the incident, but has also led to the closing of my businesses ( due to my inability to have any financial account ), loss of business partners and trust with individuals who were made aware of this situation since I had no control of the information, decreased my personal credibility and professional credibility and credit scores across the board, and has ultimately led to my inability to continue my lifestyle and professional life. I have lost everything I have worked so hard for since I was a child.
Product: Money transfer, virtual currency, or money service

I am.trying to withdraw amounting of XXXX XXXX and they ask me to add LOCAL BANK ACCOUNT which is I did. They asked me to try after 48 hours and I did wait for more than 48 hours now still they don't allow me to withdraw it. We are on a lockdown/quarantine because of COVID and I badly need the funds.
Product: Credit reporting or other personal consumer reports

This is regarding my previous complaints and identity theft case : ID FOR COMPLAINT SENT TO XXXX, ID FOR COMPLAINT SENT TO XXXX, ID FOR COMPLAINT SENT TO XXXX. According to the results given, the fraudulent accounts and inquiries were supposed to be deleted, but upon checking my credit reports, the fraud items are still somehow reporting. Could you please check and delete them completely from my reports? Here are the fraud accounts and inquiries. 


Fraud accounts : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Delete these hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XX/XX/XXXX. I have attached my FTC reports, dispute letters, and IDs for your reference
Product: Credit card

On XXXX XXXX, 2015, CitiCard put a charge of XXXX on my credit card from XXXX XXXX of XXXX XXXX. I went online on XXXX XXXX and saw the charge on my credit card and called CitiCard and told them I did not make this purchase and I did not want them to pay it. They asked if I had ever bought from this company and I said I had but I did not authorize this purchase and I did not want them to pay it. 
I had previously agreed to an Autoship in 90 days in the amount of XXXX, with the right to cancel the Autoship. I cancelled the Autoship on XXXX XXXX, 2015. I never agreed to the XXXX XXXX, 2015 charge of XXXXXXXXCitiCards sent me a follow-up letter to which I responded. They asked for a copy of the order. Since I did not order anything, and this was an unauthorized charge, I did not have a copy of any order. They sent me a XXXX letter again asking for a copy of the order. I responded again telling them I did not place this order and did not have a copy of the order. Then they sent me a letter saying they had finished their investigation and I had not supplied what they had asked for so they were recharging my credit card for the XXXX The only thing they asked for was a copy of the order. Since I did not place this order, I do not have a copy of an order to send them. 
I had called the XXXX XXXX that made the fraudulent charge to my card and told them to remove the unauthorized charge. They said a mistake had been made and they had already sent merchandise and to return it unopened and they would issue a credit. I did not accept the package. It was left on my doorstep by the postman. I took the unopened package to the post office and returned it to the sender with a tracking number so I had proof it was returned. When the company did not issue a credit, I filed a complaint against them with the New Jersey Attorney General Consumer Affairs Division because the address was in New Jersey. After I filed the complaint with the New Jersey Attorney General, I tried to call the company but they did not answer their phone.. 
Citi advertises XXXX Liability for unauthorized charges. I did not agree to buy anything and I did not authorize this charge. I have sent CitiCards a notarized letter certifying that this was an unauthorized charge and asked them to remove the charge from my credit card. They have not removed the charge. 
I believe CitiCards has violated the law by trying to make me pay for a fraudulent charge I did not authorize, and because they have not honored their advertised XXXX Liability for unauthorized charges. They have now added late fees and interest to my card. I expect CitiCards to honor their guarantee and remove this charge and fees from my credit card. 
I am attaching copies of our correspondence, a copy of my notarized letter and a copy of my complaint to the XXXX Attorney General against the company that put the unauthorized charge on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK acct # XXXX. the Credit reporting agencies are reporting this account inaccurately. I've reached out multiple times. they are breaking federal law. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
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. 

XXXX : Acct number XXXX, XXXX  XXXX : Acct number XXXX, XXXX XXXXXXXX XXXX : Acct number XXXX, XXXX : Acct number XXXX XXXX XXXX : Acct number XXXX XXXXXXXX XXXX : Acct number XXXX XXXX XXXXXXXX XXXX : Acct number XXXX XXXX XXXX Acct XXXX 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 1681 c. ( 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, credit repair services, or other personal consumer reports

The following are my complaints to these companies that pulled my credit report without my knowledge and authorization : 1. Bank of America - Inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. 
Tel # XXXX. I called this company and i was told to call the dealership that submitted my information to them, and XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX Tel. # XXXX, said they did not submit inquiries any other dates other than when i purchased a used car from them on XX/XX/XXXX. 

2. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX. Tel # XXXX. This is the same case as Bank of America, complaint # 2 they did not want to do anything to assist me and was told that it was submitted by the same dealership mention in # 1 XXXX XXXX XXXX. 

3. XXXXXXXX XXXX XXXX - Inquired XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX Tel. # XXXX. I did not apply any credit card with XXXX XXXX XXXX on this date the credit card i have with XXXX XXXX was issued XXXX of XXXX. I called them but they're very rude and not willing to help. 

4. XXXX XXXX - Inquired XX/XX/XXXX. XXXX  XXXX XXXX XXXX XXXX, CA XXXX Tel. # XXXX. They said its Real Estate on behalf of XXXX XXXX. I did not apply for any real estate loan then or now and anytime soon. 

5. XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( no tel. number given ) This company I have called several times and have not and is not willing to take down this inquiry. They said that they receive an application through their website and i told them I did not apply for any auto loan with them because if i have to go through a bank i will go to my bank first, I had my XXXX XXXX XXXX at the time and did not My recent auto loan was XX/XX/XXXX. 

6. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. I have a XXXX XXXX XXXX credit card that has {$5000.00} credit limit and is locked, this inquiry is unauthorized. 

7. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Same company with complaint # 6 who ran my credit again twice on the same month. I already have my XXXX XXXX credit card that has a {$5000.00} limit on it that i don't even use. I had this credit card since XXXX. 

8. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Just like with my # 6-7 complaint, the same credit card company but with different XXXX XXXX number, in a matter of three months they ran my credit again for no reason. 

9. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Tel. # XXXX. This company did not report that the auto loan has been fully paid in just three months that my husband and i made a purchased of used car, and it's still on my credit. 

10. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Tel. # XXXX. The same company as complaint # 9, they ran my credit two different times without authorization, and auto loan has been fully paid the same year, just in a matter of three months from purchasing one used vehicle.
Product: Money transfer, virtual currency, or money service

Being blocked from allowing access to my data for virtual currency purchases
Product: Debt collection

XXXX XXXX is reporting on my XXXX, XXXX , & XXXX  credit reports that I owe them {$150.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?