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

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX  agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX  Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has illegally removed 2 good standing accounts from my credit report in violation of FCRA and causing injury to my credit score. These accounts are identified as XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX originated FHA mortgage XXXX paid off FHA mortgage inc the original mortgage wet signature note marked paid XXXX found the XXXX release recorded had been sending payments unknowing we had paid off the mortgage. 
Filed XXXX  XXXX Bankruptcy 20 days after I filed Bank of America filed $ XXXX mortgage claim. They would not answer any request for proof documents instead lifted stay and disappeared. Bankruptcy discharged under XXXX XXXX XX/XX/XXXX XX/XX/XXXX BoA filed foreclosure again we demanded FHA document proof we told their lawyer we never signed an FHA mortgage with them. And sure didn't get $ XXXX BoA claims they have the required fraud dept. Instead received a notice of sale. BoA is now proceeding to sell our house and defraud the FHA mortgage program with a fake mortgage. 
Attached the notice of sale Misspelled address TWO houses separate addresses terminated XXXX legal description Wrong tax ID number
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan opened with XXXX XXXX XXXX opened on XX/XX/year> with the account number XXXX. This account has resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard Inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went into a contractual agreement with Santander VIA XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a financed price of XXXX with an APR of XXXX and XXXX payments of XXXX for a total of XXXX. Today, I acquired my credit report via XXXX XXXX and it shows that XXXX of XXXX XXXX fraudulently entered me into a contract of 73 payments and an interest rate of XXXX. They also added XXXX worth of " Service contract '' to my account that has been denied usage on 3 separate occasions, with being told they " don't hear '' the concern so they will not address it. I asked to have it canceled and refunded and the company XXXX XXXX said that is only possible with the XXXX digit pin XXXX assigned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX department ( XXXX and extention XXXX ) have both said they have no idea how to get that pin XXXX, thus forcing me to keep something we have asked multiple times to remove. Also, I have been told the finance department fabricated my income amounts to get me qualified initally. I only recently found this out. At the time my monthly income was less than the truck payment. I feel like XXXXXXXX XXXX XXXX XXXXXXXX took advantage of both myself and of Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgagee " XXXX XXXXXXXX XXXX '' - SLS, was notified in writing by me that my balance was incorrectly increased from $ XXXX to $ XXXX, and that my payment history was incorrectly reported from XX/XX/XXXX to XX/XX/XXXX by showing I was 150+ days delinquent. Received letter from SLS, after filing dispute with XXXX of Colorado, that they made a mistake, and all payments were " Paid as agreed. 
My credit report was never corrected by SLS as of XX/XX/XXXX. 

Needs correcting to remove negatives scoring on my FICO reports for both XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently I looked at my a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX Account XXXX : XXXX
Product: Student loan

I graduated with my XXXX in XXXX and XXXX in XXXX XXXX in XXXX. I have always been placed in deferment or Income based repayment with a zero payment due to my income earned from my work in the non profit sector. Most recently, with my {$18.00} state of Arizona government job Navient has calculated my IBR to be about {$67.00} a mo which I cant really afford being that Im even on rental assistance. I made my first payment XX/XX/XXXX because they said I did not qualify for the federal deferment with a FFEL type. However, they have now re-started my 25 year repayment time clock when I have been on IBR since graduation in XXXX and XXXX perspectively. I emailed Navient about a month ago via my online account and have received no response. My credit report was also updated once I made a payment stating 320 monthly payments left dropping my score about 30 points. I dont see an end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}
Product: Bank account or service

I had a write off at Regions Bank and they told me that I owed {$400.00} on account # XXXX and {$84.00} on account # XXXX. I over paid $ XXXX hoping they would force open the accounts but now the claim I still owe $ XXXX because the amount originally given me was in error that I owed more. They never would send me a balance payoff as I so requested at the beginning of the payment off plan
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for services from Lexington Law They help get everything removed from my credit reports, some was easier than expected because I was also in a abusive relationship. However exactly a little over 30 days of no longer using their services because at some point everything that was disputed was removed and I then had nothing else left to fix because my student loans are mine, so I let them know that I no longer would need their services and then one by one every item removed by dispute began to reappear some under a different collection agency name but only after I had not used their services for a little over 30 days. Now everything that I had paid and had removed is back on my reports and Lexington law stats that they only way they could assist me if I was still a customer. They even call and email me to reestablish services with their company and every time I inform them of what happened they act obvious.
Product: Credit reporting, credit repair services, or other personal consumer reports

My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are American Express ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and XXXX ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.
Product: Credit reporting or other personal consumer reports

XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with XXXX on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with Experian, XXXX and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus
Product: Debt collection

WAYPOINT is claiming that I owe them {$380.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Consumer Loan

On XXXX/XXXX/XXXX, I requested for a car loan for {$4000.00}. The lender issued me a Personal loan with 26.51 % interest ; but the contract document says it is a Secure loan with the car as collateral. The contract does not say Personal loan anywhere ; but the loan-writer verbally classified it as Personal loan to rationalize the high rate. In practice, I was given a Car loan with Personal loan rate. I requested the lender to modify my interest rate from 26.51 % to 16 % in XXXX XXXX. The lender refused. The lender added additional items ( disability insurance, life insurance, fees, and cash-back ) without clear explanations and wrote a loan of {$4800.00}.
Product: Student loan

I am requesting proof that I am indeed the party that the US DEPT OF EDXXXX and NELNET/90000043873 are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ) this action might constitute fraud under both federal and state laws. I shall hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX/Equifax/XXXX  have violated my rights.

Under 15-USC, 1681 Section 602 states I have the right to privacy.

Under 15-USC, 1681 Section 604a also states a consumer report agency can not furnish an account without my written instructions.

Under 15-USC, 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Equifax and XXXX, not XXXX. I had tried to go through the normal chain of commands by filing a credit report dispute on a closed/paid XXXX credit card that was charged off and is reporting negatively on my credit. After not yielding a justifiable response, I had filed a 609 dispute on XX/XX/2021. As per my understanding, this is a right afforded to me via the Fair Credit Reporting Act under section 609. Upon receiving my results, I was not provided with the documentation requested that validates my ownership and/or history of this account. This prompted me to file a CFPB complaint on XX/XX/2021. I had requested the same information from my original 609 letter dispute. I wanted to be provided with my wet ink signature on the alleged new credit card application, which shall also include my social security number and full legal name, or at the very minimum, what is being used to validate my ownership of this account. Instead, the CFPB was provided with a BALANCE letter from XXXX. This letter was dated two months before I filed a complaint ( XX/XX/2021 ). This balance letter states that my alleged account has a XXXX  balance. It contains no information validating the legitimacy/ownership/derogatory history of this account. This letter was uploaded to the CFPB portal and the complaints against XXXX and Equifax were closed. Had the bureaus verified the documentation provided to them they too would see nothing more than a letter saying I have a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT OF TRUTH In response and correspondence too investigation results. These results are unlawful I XXXX, XXXX never entered into a contract with third party creditor therefore there has never been an agreement for debt. Produce an original contact that this creditor has produced to you. I also sent you an affidavit asking for the bonds of these banks, my affidavit ask for Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation, Freedom of Information Request For SEC Registration Status & Securitization Inquiry Freedom of Information Request Regarding General Obligation Bonds-CAFR. according to the federal trade commission  regulation I have not seen these bonds produced therefore all of the debts being claimed must be removed from my credit report, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not proven to be operating correctly in commerce. This correspondence is being reported to the federal trade commission I look forward to the removal of all third- debt, non-bonded and Obligated creditors thank you. 
I am officially requesting the following : 1 ) You produce the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law 2 ) Provide an Affidavit Certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions 3 ) Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp of convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. 
You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX   ACC # XXXX XXXX XXXX ACC  # XXXX XXXX XXXX ACC # XXXX XXXXXXXXACC # XXXX XXXX XXXXACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX   XXXX  ACC # XXXX XXXX XXXX XXXX   ACC # XXXX
Product: Mortgage

I had XXXX. I woke up one day and was XXXX. I was XXXX until XX/XX/XXXX and am now recovering. During the time I was Ill no payments were made on my mortgage and a foreclosure was filed The sheriff 's sale is Tuesday I have XXXX in equity in the house and the bank refuses to postpone the sale to allow me to work out a payment plan and bring the loan current The lender is the Bank of America loan number XXXX. I have been talking to XXXX XXXX Ext XXXX. I do not want to have to file bankruptcy chapter XXXX to stop the sale They claim they offered me a modification last spring but I was XXXX and XXXX. XXXX XXXX XXXX XXXX , Illinois XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries are fraudulent and I demand to have these fraudulent inquiries removed immediately. Innovate Loan XXXX XXXX XXXX XXXX XXXX and XXXX.