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

Since my personal information has been compromised through numerous data breaches ( including the recent National Public Data breach and the XXXX  Equifax data breach ), I went through the process to create a MyEquifax account in order to create a Fraud Alert and freeze my credit. Since Equifax was previously breached several years ago, I was very surprised to find out that Equifax does not offer any way for me to enable Multifactor Authentication to adequately secure my account. More surprisingly, Equifax even sells MFA services, but has failed to offer or require users to enable MFA on their accounts. Without MFA, accounts are at much greater risk of being compromised, which means attackers could view credit reports or submit requests to unfreeze credit. 

Equifax needs to implement and require MFA for all users. Strong MFA options ( TOTP, FIDO keys, Passkeys ) also need to be an option for users to add an additional layer of security since phone, SMS, and e-mail codes are no longer considered secure.
Product: Debt collection

This is just a follow up complaint about Southern Financial Systems. This complaint it to show that Southern Financial Systems is aware that the debt is fraudulent and yet they still report the debt to credit bureaus. I spoke with the original creditor, XXXX XXXX, and sent them the documentation they requested to confirm fraudulent activity. The XXXX XXXX  collections representative, XXXX XXXX, confirmed receipt of the documentation and forwarded it to XXXX so that Southern Financial Systems can be aware that fraud has taken place. Ive given Southern Financial Systems over a month to remove the debt from my credit files since they now have proof that my signature was forged. I also explained to XXXX that the address where I lived is family land and is shared by 3 households. XXXX understood this and acknowledged how easy it would be for someone to tamper with my mail. I tried to explain the same situation to XXXX but she would continuously cut me off to avoid hearing the truth. Southern Financial Systems has willfully neglected their duty by federal law to remove the debt. This debt from ambulance services that Southern Financial Systems is claiming I owe was made with with another debt from XXXX XXXX in XXXX, MS . When XXXX XXXX tried to collect the debt from me for the hospital services accrued from the person who committed fraud, I was able to dispute the debt and the collection agency immediately deleted the debt because they had proof of fraud. I have in writing that the hospital debt was considered invalid and deleted immediately. However, XXXX of Southern Financial Systems is operating from a place of greed and lack of a moral compass. I have attempted to settle this without seeking legal intervention but XXXX refuses to follow federal law because for some reason I believed that this woman was noble enough to see an invalid debt and delete it. But XXXX is fully aware of the invalidity of the debt and still continues to report to the credit reporting agencies. I think that XXXX feels she is bigger than the law. Im submitting this complaint so that it can be posted publicly for others to be aware of the criminal activity that is exercised by XXXX and Southern Financial Systems.
Product: Checking or savings account

On XX/XX/XXXX, there was someone that hacked into my Navy Federal Credit Union online account, by using stolen credentials. Somehow the intruder was able to gain full access to the account without my knowledge and was able to send themselves a fraudulent wire transfer of {$1500.00} of my money. This money was sent to an account banking with XXXX XXXX, based in XXXX. I have tried to reach out to XXXX XXXX and they are not answering their phones. Navy Federal states that there is nothing that they can do except try and contact XXXX XXXX via mail, but by law, XXXX is not required to return the money, nor respond to their requests. Meanwhile, I am now experiencing financial hardship due to this and Navy Federal is not willing to return the money even though this was a security breach and complete security failure on their end!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX
Product: Mortgage

Homeowners assistant funds has sent a bulk payments to my lender on XX/XX/2022. It's now XX/XX/XXXX and they still have not apied payment to my account
Product: Debt collection

Seterus Inc is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

This company calls multiple times per day : " XXXX XXXX '' or something similar, in XXXX XXXX, Va. The person at this number does not owe a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to Transunion ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( only reported to Transunion ), and XXXX XXXX XXXX XXXXXXXX reported to ( Transunion & XXXX ) has violated my rights XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Can not contact the company reporting a problem with my credit and background. The company is called PLAID. Can not find any valid way to contact them to have them submit a copy of my report to me personally so I can see if they are wrong! 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened up credit card and a loan in my name. As well as tried to purchase a car. These accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

I received an alert from XXXX protect my ID and this company came up on my credit report stating that I owe {$2100.00} and I did not open an account and this account has been open since XXXX the XXXXXXXX XXXX and now they just put it on my credit report XX/XX/2022 and it's delinquent by a month I have never received any information regarding this. XXXX did 3 way call today @ XXXX and spoke with XXXX he can't find my information the person at XXXX gave him the account number that they reported to the credit bureau they still can't find me so this is why I am filing a complaint for fraud on my credit report I don't know who this company is they can't find my information that was given to them.
Product: Bank account or service

I opened a Citigold Checking account with Citibank on XXXX/XXXX/XXXX after receiving the promotion code XXXX. The requirements for this promotion were to open a Citigold checking account, make one bill pay transaction for two consecutive months, and make {$1000.00} in purchases via the debit card. Upon completion of the promotion requirements, I would receive XXXX XXXX XXXX. I thought this was a great promotion as I am a long-time Citibank XXXX credit card customer ( since XX/XX/XXXX ) as well as a Citibank customer ( since XX/XX/XXXX ). Citibank opened my Citigold Checking Acct in early XXXX XXXX. I promptly deposited funds and began working to satisfy the promotion requirements. I completed the bill payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I completed the {$1000.00} in debit card purchases on XXXX/XXXX/XXXX. Following completion of the requirements, I contacted Citibank customer services and was informed that I had met the requirements and the miles would be post XXXX statements after the period in which I met the requirements. Given the requirements were completed in XXXX and the XXXX statement closed on XXXX/XXXX/XXXX, I expect the miles to post XX/XX/XXXX or XX/XX/XXXX. After not receiving the XXXX AAdvantage miles by XX/XX/XXXX, I sent a message to Citibank via the messaging function on their website on XXXX XXXX, XXXX. Citibank promptly replied on XXXX XXXX and indicated they would review the issue. After several weeks I received a letter from Citibank on XXXX XXXX, XXXX indicating that after investigation they determined that I was not actually eligible for the promotion. This contradicts information previously provided to me by Citibank customer service.
Product: Vehicle loan or lease

This was back in XX/XX/XXXX I had a Santander USA loan and they repoed it XX/XX/XXXX I just put a complaint in about this no response since XXXX XXXX it is about the corporations also everytime I put a complaint since she has taken over u got to have millions of dollars to get anything done. Santander USA in NJ charged me on a XXXX XXXX XXXX XXXX $ for 74 months interest rate was 22 %. Yes I have put a complaint but havent got a response so I figure do it again this is what I get fidnt u just put a complaint in for this!! Yes but I guess people in XXXX XXXX are having brain freezes
Product: Debt collection

The debt was accrued in XXXX. Bankruptcy discharge happened in XX/XX/XXXX. This debt was listed as a discharged debt and was even removed from my credit report. Then on XX/XX/XXXX, this debt collector placed itself as an open collection account, even commented it was a bankruptcy account. This falls under illegal debt collection under bankruptcy protection. This was done in spite to hurt me as a consumer, 5 years after the debt was removed. Section 524 title 11 shows this as a bankruptcy discharge violation and illegal attempts to collect a debt. They had zero reason to place a collection on my credit report and was only done so maliciously.
Product: Credit reporting

Credit Report Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Removal of Unauthorized Late Payments in Accordance with Applicable Laws Dear [ CFPB AND CREDIT BUREAUS ] Customer Service, I hope this letter finds you well. I am writing to bring to your attention a matter that requires immediate resolution. I have recently discovered unauthorized late payments on my account, which I believe are in violation of the four laws established to protect consumers ' rights. 

The unauthorized late payments in question occurred and I would like to request their immediate removal from my account in accordance with the following laws : 1. Fair Credit Reporting Act ( FCRA ) : This legislation ensures the accuracy, fairness, and privacy of information reported by credit reporting agencies. The unauthorized late payments are inaccurately reflecting on my credit report and must be rectified promptly. 

2. Fair Debt Collection Practices Act ( FDCPA ) : As a consumer, I am entitled to fair treatment by debt collectors. The unauthorized late payments were not authorized by me and should not have been reported to any credit bureaus. 

3. Truth in Lending Act ( TILA ) : This act provides protection to consumers in credit transactions by requiring clear disclosure of terms and costs. The unauthorized late payments were not disclosed or agreed upon in any contractual agreement. 

4. Electronic Fund Transfer Act ( EFTA ) : This act safeguards consumers in electronic fund transfers, including unauthorized transactions. The late payments were not authorized by me and therefore should be considered unauthorized electronic transfers. 

I kindly request that you investigate this matter and take the necessary steps to remove the unauthorized late payments from my account and correct any negative impact on my credit score as a result of these inaccuracies. I expect a written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter. 

If necessary, I am prepared to take further action to protect my rights under the aforementioned laws. I hope we can resolve this matter amicably and promptly. 

Please feel free to contact me at [ Phone Number ] or [ Email Address ] to discuss this matter further or to provide any additional information you may require. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

To whom it may concern : I was on a repayment plan which originally started with Ocwen Mortgage in XX/XX/XXXX which consist of a down payment of {$7000.00} and monthly payment of {$9400.00} for 11 months. My mortgage was transferred to PHH Mortgage with the same terms in XX/XX/XXXX. I have made all the payments requested through XX/XX/XXXX. When I sent my XX/XX/XXXX payment via XXXX, the payment was signed by a PHH Mortgage receptionist on XX/XX/XXXX. The XXXX tracking number is XXXX. It normally takes three days at the most to post my mortgage payment. I contacted PHH Mortgage on XX/XX/XXXX requesting an update status of my mortgage payment for XX/XX/XXXX. I spoke with my relationship manager, XXXX XXXX whom told me not to worry about my repayment plan and that he submitted a request to locate my XX/XX/XXXX payment to PHH research team. XXXX scheduled a follow up call with me for XX/XX/XXXX which during this conversation I was told my repayment plan was cancelled on XX/XX/XXXX although my payment was located and to request a loan modification. I requested a repayment plan to be reopen or to be offered another payment plan since I only had 3 more payments to make. On XX/XX/XXXX I received a letter from PHH which stated my check was destroyed and a copy of my check was included with the letter. The letter stated I must pay the total amount of the outstanding balance in order to reinstate my loan. I had a follow up call with XXXX on XX/XX/XXXX which on this call I was told my loan modification was denied and that he couldn't offer another repayment plan. I was advised to contact the foreclosure attorney, XXXX XXXX, XXXX XXXX  XXXX located in XXXX TN for a total reinstate amount and foreclosure date. PHH is fail to accept their mistake and refuse to offer any assistant to resolve this matter which can be reolve in a short period of time.
Product: Payday loan, title loan, or personal loan

Im in the military and I told them that I would like to close out my account in membership and they refuse to close out my membership and close out my loan I offered to pay the difference. They already have {$400.00} in reserves the balance currently XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company XXXXnquiries TRANS UNION XXXX XXXX XXXX XXXX XXXX  XXXX  I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX  # XXXX, US DEPT ED # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. US DEPT OF EDXXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.