23daVinci/CFPB_Complaints huggingface dataset:
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XX/XX/XXXX XXXX - XXXXXXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX. 

XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXXXXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX {$530.00} XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
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.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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
Product: Mortgage

XXXX XXXX XXXX been sending paperwokr since then ALL UNEMPLOYMENT, ONLY HER XXXX CARD UNEMPLOYMENT IN CA AND SHOWED TRANSACTION HISTORY! XXXX, NO INCOME BROTHER STOLE MY ID AND SS! SEND PROOF AND STILL SPS KEEPS ASKING FOR BANK STATEMENTS! ARE NONE DUE TO FRAUD! THIS IS THE MOST UN-ETHICAL BANK SEE PROOF!!!!!!!!!!!! SEND UNEMPLOYMENT SHOWING A YEAR! QUALIFY FOR UNEMPLOYMENT BUT SPS STILL ASKING FOR BANK STATEMENTS ALL CLOSED DUE TO FRAUD! AND SOMEONE LIKE MIKES BROTHER XXXX XXXX IS TRYING TO ACCESS ACCOUNT ALL POA HAS BEEN SENT! XXXX CONTROLS IT ALL SINCE XXXX IS XXXX, AND XXXX UNSTABLE
Product: Credit reporting or other personal consumer reports

I have been reaching out to calling sending letters to XXXX XXXX and experian about fraud on my account addresses that I have never lived at accounts that I have never done business with I even filed a report with identity theft.gov and got a recovery plan I contacted all the companies whom told me to send this to the credit Bureaus an I did no one sent me any documents but my request for the information to be removed was denied pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). I sent all documents XX/XX/2023 they have not verified any information I demand these items be deleted Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. Thank you
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account number : XXXX with XXXX due to unauthorized credit inquiries on my report, which I believe were the result of a data breach. XXXX denied to follow up with the investigation despite my concerns. Recently, I was notified that the CFPB has filed a lawsuit against XXXX, alleging the company of accepting unreliable information and failing to notify consumers of dispute results. This situation aligns well with mine, as XXXX has not attempted to remove or correct any inaccurate information on my credit report, particularly the unauthorized credit inquiries tied to my account. 

As a result, my credit has been negatively affected, and this is severely impacting my chances of securing [ a house, a car, etc. ]. XXXX failure to rectify this issue constitutes a violation of my rights as a consumer, as well as a breach of federal laws. I am requesting that the derogatory remark be removed or corrected immediately, as it continues to harm my financial opportunities and creditworthiness.
Product: Debt collection

They are reporting an account on my credit report without notifying me, I sent them a validation letter last year and they never sent a response, as they didn't, I asked them to stop collecting and reporting, I don't pay anything that is not proven, now in my report it comes out that they have reported this incomplete account, there is no date of my last payment and they say overdue by default this account is overdue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX was sent a debt validation letter furthermore making this entity share my information with AMSHER COLLECTIONS who has also not validated said debt with alleged original creditor XXXX who is in violation of sharing my personal information without my consent. Moreover federal procedure of evidence XXXX hasnt been followed to produce original instrument of debt and my ownership of said claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law predicted 6 months of their services would fully correct my credit score. I believe they knowingly are misleading customers about that timeline. I used their services for 4 months, and they only thing they did was lower my credit score. 

When I confronted them about the 6 months quote on work, they had platitudes already in place to excuse away that prediction. Further, solidifying my suspicion that 6 months of service never fully completes their work. 

Even more egregious, when I tried to cancel, they attempted to persuade to keep me as a client by saying they could do more. I was already paying for their top tier of service. Yet, somehow there is more than can do if you threaten to leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 the company responded with a false validation by sending a final bill after it was sold. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Product: Student loan

This is regarding My Fed Loan and my attempt to participate in the PSLF program and the failure of My Fed Loan 's Customer Service. 

I have been making payments on federal Stafford loans since before XX/XX/XXXX while in qualifying public interest employment. When the rules allowing those payments to be credited towards loan forgiveness changed temporarily in XX/XX/XXXX, I consolidated the loans to My Fed Loan and applied for PSLF in XX/XX/XXXX. I received confirmation that my application was received. 

I am now being told my recent payments ( not the ones prior to applying ) don't count because of my repayment plan. NOBODY said I had to have a certain type of repayment plan within My Fed Loan. Now it sounds like those payments won't count towards qualifying payments. 

Moreover, I have heard nothing about crediting my past payments which, if they were credited, should result in full forgiveness. 

Finally, I attempted to contact PSLF about this on XX/XX/XXXX at approximately XXXX XXXX. I went through the prompts to be able to speak with an agent and selected the prompt to speak about PSLF. After 38 minutes a woman named XXXX answered and when I said I was calling about PSLF she said she would transfer me to someone in " public service '' despite the fact that she should have been able to answer my question if she was in the phone tree for PSLF. She transferred me and the recording said I had to wait more than 20 minutes. All in all, I was on hold for an hour and twenty minutes and had to hang up so I never was able to speak to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal complaint to Lexis Nexis asking them to verify the bankruptcy on XX/XX/XXXX XXXX  XXXX case # XXXX filed XX/XX/XXXX that is on my profile with them they sent me a letter stating they verified the bankruptcy with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand Lexis Nexis directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. 
Lexis Nexis is getting that information from a 3rd party XXXX and furnishing that information to XXXX, XXXX and XXXX without permissible purpose 604 15 U.S.C. 1681b.
Product: Money transfer, virtual currency, or money service

I got robbed on XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, Virginia for {$4600.00} and a loan for $ XXXX money transfer via phone. XXXX XXXX XXXX is the person who took the money. Navy Federal Credit Union is the bank. I went to them the same day and did a fraud report and told me that there was nothing they could do. I need the money back. Navy fed locked me out of my account online and said I cant get online access until XX/XX/2024. Only can access the money by going to the bank. Had to go in the negative because my bills. Took all of my reserve money.
Product: Credit card or prepaid card

Open XX/XX/2022, I received an email from Synchrony Care Credit ( see attached ) asking me to enter the reference number provided and view the response to my application. However, when I attempted to enter the requested information, I received an error message stating that there was no record that matched my information. 

Thus, I replied to the email from Synchrony to this effect, and I also requested that this account be closed or the application be cancelled or withdrawn and the account cancelled in my name. I have attached the email I sent. I want this account closed if an account was opened in my name immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the collection agency are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with Experian and XXXX  and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX  account # : XXXX 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
Product: Vehicle loan or lease

Have been calling Ally Bank to get an emergency extension due, to my vehicles engine was damaged. Car has been in the shop for more than a month due to engine failure although vehicle is now fixed and got the vehicle back a week ago, had to miss time from work due to this issue and this caused me a financial burden with my other bills that I almost was facing homelessness. Ive asked for an extension back in XXXX and was denied for my XXXX, XXXX, and XXXX fee that was due. Im unable to catch up until XXXX and have called Ally and explained this situation and theyre still denying me for an extension. Its not like I dont want to pay my bill, this situation has caused me a hardship in my life and theyre not understanding or helping in any way. This was not my fault that this happened to my vehicle and they should be more understanding of my situation and approve my request for an extension. I am wanting to speak with someone with power that can resolve my issue.
Product: Debt collection

I have been disputing the alleged debt with Dynamic Recovery Solutions since XX/XX/XXXX. I have asked on three separate occasions ( XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) for them to validate the debt and they respond by sending me a bill. Not once have they provided me with validation, yet they continue to send me settlement offers and call demanding payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, UNIVERSITY OF XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. UNIVERSITY OF XXXXXXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE Delete from my CREDIT HISTORY ASAP!
Product: Mortgage

When the covid19 pandemic happened last XXXX the government pass the law of cares act. One of the law was pass is to allow the homeowner to apply for forbearance on their mortgage without penalty. So I called my mortgage company which is freedom mortgage. I was aprove for forberance for 3 months however the freedom mortgage company wants me to pay those 3 months of mortgage payment after the end of my forbearance. I dont think that deal will be able to help me at all. I really dont want to loss my house. I am one of the people who loss their job because of pandemic.If someone could help me about this matter It will be greatly appreciated thanks you
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I saw on my credit report that there where a variety of no inquires that i didnt authorize at all and i want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My experience is very likely a common one, but it should not be. 

I am a XXXX XXXX. I am therefore, well educated, well paid. I have a good FICO score ( XXXX, yesterday ). 

Recently, I had moved to XXXX for a new job. I wanted to obtain Internet services and XXXX checks Credit score. ( a separate complaint is being filed in this regard ). Because my address obviously changed with the move I am unable to automatically unfreeze the credit freeze that I have with the credit reporting agencies. I was asked by XXXX to contact Experien to unfreeze my credit. 

I called the number provided, when XXXX  for " unfreeze credit, experien '' Whomever you are, no matter what your station in life, sometimes you have to call these companies that profit from the information that they collect about us, without our consent. I urge you to do what I did, XXXX, find the number, and try to call them. You will see how obfuscating, how remarkably, breathtakingly impossible to talk to a human being using that number. I tried calling 8 times, each time holding for nearly 25 minutes or so, trying to navigate the phone tree. Because I am trained as a XXXX, in fact I went through all the options that are given. In the end, the same recorded message comes : " we are unable to verify you. Please write to experien with blah blah.. '' Obviously, if one writes, it will take 10 business days or more, and then, another 10 business days to get a reply, if they ever do. So, I decided to give up. This is just to get internet, which, these days, is a utility. Even in XXXX, or XXXX XXXX, or in XXXX, it is much easier to obtain internet, without having to sell the flesh of our children to these companies. Why are the credit reporting companies in the US so uncivilized baffles me. 

Anyway, I am asking CFPB to investigate this issue and reprimand, and also take corrective actions against credit reporting companies. I do this, because, if I as a highly educated, resourceful person can't navigate their phone line, most of my fellow citizens absolutely can't. That is simply immoral. 

I propose a corrective action, so that reaching a human operator for credit freezes, unfreezes is simple and straightforward. For example, they can have a branch in the phone tree that says, if you recently change address, press x to reach a human operator. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/2019 with a credit limit of {$830.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX charge off, XXXX XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.Inclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed some fraudulent informations. please delete this fraudulent account and the fraudulents informations. 

Account name : XXXX XXXX Account # XXXX Amount : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Buyer sent a check to cover the shipping and sales of goods. Bank statement showed the check pending then eventually cleared. So I processed with the shipping cost which was a wire transfer. After transfer was completed, the bank contacted me stating the check was still pending and did not clear. So check was sent back to the maker. If my statement showed the check still pending, I would have not transferred any funds. I figured if the check was good, everything was legitimate. Funds were transferred to Wells Fargo bank.