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

XXXX, Equifax and XXXX have all failed to show me the LAW ( not code, policy or statute ) that gives them authority over a man or provided a wet ink contract I have with them that gives them authority to post information on the internet or give them a right to cause me financial loss, injury and harm when I do not owe any of these companies any kind of money or caused them loss, injury or harm. These XXXX  companies will have 21 days to remove information I tell them to remove or I will be filing a monthly TORT CLAIM in the amount of {$300000.00} for stealing my TRADE MARK/TRADE NAME - IDENTITY THEFT ( taking my info a using it against me causing me loss, injury and harm ) - ADMINISTRATING PROPERTY WITHOUT RIGHT, CONSENT OR CONTRACT _ DEPRAVATION OF RIGHTS UNDER COLOR OF LAW ( 18 USC 242 ) among other UCC/USC Violations XXXX 
ALL THREE CREDIT BUREAUS are ordered to remove XXXX, XXXX XXXX, XXXX XXXX XXXX AND XXXX off my LEGAL FICTIONS/DEAD ENTITY REPORT - XXXX XXXX XXXX or these companies will need to compensate me monthly for the abuse. THEY ARE ALL ON XXXX NOTICE AND IM NOT PLAYING GAMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My personal information was sold and used illegally to a 3rd party company and reported on my credit as a charge off.
Product: Student loan

My loans are currently in forbearance due to the SAVE litigation. On XX/XX/2024 I submitted an application to change to the IBR plan. Per the FSA 's guidance and Title 34 Code of Federal Regulations 685.205 paragraph b line 9, my loans should have been placed into a processing forbearance for at least 60 days while my application is processed. MOHELA, however, has informed me that they are currently forbidden from processing IBR applications for persons currently under a general forbearance due to the SAVE litigation, and are further prohibited from placing such applicants into a processing forbearance. Per latest FSA guidance ( excerpt attached below ), this is incorrect. The full Dept of Education Update on Save Plan is found at XXXX XXXX XXXX/higher-educationXXXX  I am asking that my loan forbearance be changed to a PROCESSING FORBEARANCE effective the date of my IBR application per regulations as above.
Product: Credit reporting or other personal consumer reports

THERE IS AN FRAUDULENT AUTO LOAN ON MY ACOUNT FROM XXXX FIN ACCOUNT NUMBER XXXX. I WAS XXXX  DURING THE TIME THIS LAON WAS OPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXXXXXX 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

Citi Bank should have closed my savings account in XXXX when requested. It is still open and they are charging service fees.
Product: Mortgage

NACA took me work through the stressful process of qualifying for a home loan. It stated in the paper work that I qualified for Down payment assistance as a XXXX. On the day I was supposed to close on my home, I was informed that I no longer qualified for the home I was purchasing. I spent money for inspection, re inspection, NACA fees, etc. I also have XXXX XXXX  XXXX contacting me about the loan I was approved for. NACA was negligent and owes me money and an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Capital One Bank USA N which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late. 
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Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting the blocking and deletion of certain inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These inquiries were the result of unauthorized activity and should not be listed on my credit report. 
The following inquiries should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX Chase sent me a notice stating the FDIC sold them my mortgage loan. They have yet to show any proof of this transaction. In this letter Chase states ( MERS ) Mortgage Electronic Registration Systems sold and assigned all rights to WAMU Washington Mutual Bank on XX/XX/XXXX. There are no records found of this assignment on file in the XXXX County records. 

It does show where Chase forged a fake assignement from ( MERS ) on dated XX/XX/XXXX five years after they claim that ( MERS ) had already signed over its rights to Washington Mutual Bank. How is this possible? That there is NO assignemnt to ( WAMU ) but one straight directly to CHASE. 

I would like CHASE to provide all legal documents showing the FDIC gave them receivership of my specific loan and what date.

I would like CHASE to provide all legal documents showing the FDIC sold them my mortgage loan I would like CHASE to provide documents proving the had legal rights to collect payments on my home loan in the State of OHIO as a loan servicer.
Product: Checking or savings account

I was calling every month to get replacement check from charles schwab that has closed my account. I have received a check for the amount of {$17000.00}. I have deposited it in ATM of XXXX XXXX. XXXX XXXX  has not accepted the check and said check will be sent back to Charles Bank and I have to ask Charles Schwab replacement check. I have been calling every month and had spoken to few customer service representatives and explained situation that I need replacement check. They have asked to wait as it may take up to 90 days and after 90 days I have been calling and everyone was assuring my it will be handled and I will receive a check. I also filed a complain to CFPB again XXXX XXXX as well and have received a response from their Executive Office that they have made long time ago attempt to send back funds/ check back to Charles Schwab and I can only ask for funds back from Charles Schwab as they owe me my money. I have never received fund either from Charles Schwab nor XXXX XXXX. I submit this complain to resolve this situation between Scharles Schwab and XXXX XXXX  and get my check in the amount {$17000.00} immediately. I will file a complaint to New York State Attorney General Office for not returning money if I won't get my mount in next 30 days against Charles Schwab and will start legal action.
Product: Money transfer, virtual currency, or money service

He buy things from me online and said min trasnfer is XXXX So he sent XXXX and ask me to unlock transaction by XXXX
Product: Credit reporting or other personal consumer reports

Upon viewing my credit report, I noticed fraudulent activity on my credit report. Please remove these accounts.
Product: Checking or savings account

Tuesday XXXX XXXX a guy name XXXX @ XXXX XXXX. He contacted me as a family friend for help with a fundraiser he stated to pay under family and friends he asked me to send my email address. Next thing I know a payment for the amount he stated is already gone. Being that my Chime debit card is linked to my XXXX account @ XXXX the amount of {$540.00}. I sent him screenshot to ask how did he do this? He sent me a fraudulent shipping agency and a fraudulent tracking number. That's when I disputed with XXXX. I was informed the family and friends payment method is not under the XXXX protection policy. I sent information that verified that the information I received for my product was fraudulent. I don't understand how he can get into my XXXX without having my password. The Transaction was Not Authorized for XXXX. XXXX on XX/XX/2021. I filed a dispute with chime being that on the dispute form says Please complete only one of the sections below. I was unable to chose more than one option to explain this in totally of the situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a 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 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX account number XXXX amount {$450.00} XXXX XXXX  account number XXXX amount {$460.00} XXXX XXXX XXXX XXXX account number XXXX amount {$580.00} XXXX XXXX XXXX account number XXXX amount {$600.00} XXXX XXXX XXXX account number XXXX  amounts {$1000.00} XXXX XXXX XXXX account number XXXX amount {$2100.00} XXXX XXXX XXXX account number XXXX amount {$23000.00} have violated my rights 15 u.s.c. 1681 section 602.a status i have the right to privacy.

15 u.s.c. 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crime 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. my information was exposed to a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. XXXX is still reporting that my loans are still with an old servicer ( XXXX ) and that I still have a balance. This is incorrect information. I have letters from FedLoan showing that my loans are paid in full. I also have a recent letter from FedLoan stating that they have reported the updated information to XXXX, but XXXX refuses to update the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my account late from XX/XX/2020-XX/XX/2020. I filed for covid 19 assistance with XXXX to move the payments from MXX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!
Product: Credit reporting or other personal consumer reports

Credit Karma XXXX XXXX XXXX XXXX is violating my consumer rights to privacy And Inaccurate Information on my credit report according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. I need them delete this unauthorized inquiries and accounts off my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THESE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 
THESE ARE THE INFORMATIONS THAT NEEDS TO BE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to XXXX after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed W & O and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from XXXX/Weber and Olcese thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these XXXX companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXXXXXX.this default has now destroyed his credit.
Product: Checking or savings account

On XX/XX/XXXX I was in XXXX, CA taking my father to a dental appointment when I bought a burrito from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ca ) using my debit card. As soon as I received the food and got back in my car, I was notified by my bank ( Chase bank ) that my account balance was below a minimum I had set for notifications. Knowing this did not make sense, I checked my transaction history online and saw that there were two fraudulent charges being attempted on my account. I immediately contacted Chase and disputed the pending charges. They refunded me the money and commenced their investigation. 

On XX/XX/XXXX, Chase Bank notified me that their fraud " specialists '' had finished their investigation and found that the charge was authorized correctly. I immediately called to dispute their findings, as I have maintained, I did not buy anything from XXXX. The rep I talked to from Chase said she would re-open the claim and see what notes they had put in explaining their decision. As it turned out, there were zero notes in the file. She escalated the claim for me. 

On XX/XX/XXXX, I received the final notice that my claim was denied and that the case was permanently closed. I called Chase and spoke to an account supervisor by the name of XXXX. I explained to him that XXXX does not do business the in USA and that this situation did not make sense. XXXX agreed with me, but told me that because it was a chip card, that Chase saw it as a verified transaction, regardless of the circumstance. I asked XXXX to explain to me how I could have used my chipped card in XXXX, CA on XX/XX/XXXX, and then also used my chipped card, 5 minutes later, from somewhere overseas. XXXX agreed this was peculiar, but told me I would have to contact XXXX for answers. 

I contacted XXXX and they told me they do no not do business with the United States of America. I told him I had a transaction number from my statement and to please verify what goods were purchased using my card and to whom they were sent to. I have not received reply from XXXX yet. 

During this unprecedented pandemic, funds are short for me. I find it abhorrent that Chase would just right me off, a very loyal customer for over 15 years because they have unwavering trust in their " chipped cards '' - It is now very apparent that chipped cards can be hacked. Any notion that chipped cards are ultimately secure is obviously nonsense. Either that, or I gained super powers and can fly like XXXX from CA to XXXX in under 3 minutes to then use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

1

5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

XXXX XXXX XXXX  has been going under three names in my credit report as : XXXX XXXX XXXX  XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). As of this date XX/XX/XXXX they were removed twice and reappears on my report under one of the different names. Please remove this account as soon as possible! 


UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Accounts : XXXX XXXX  Bankruptcy Account XXXX Account XXXX Balance : $ {$0.00} XXXX XXXXXXXX XXXX XXXXt XXXX Account XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Opened : XX/XX/XXXX XXXX : {$420.00} XXXX XXXX : Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act Credit bureau systems {$880.00}, last reported XX/XX/22. XXXXXXXX XXXX XXXX {$110.00} last reported XX/XX/22. XXXX XXXX {$740.00} last reported XX/XX/22 XXXX XXXX XXXX {$640.00} last reported XX/XX/22. XXXX XXXX XXXX {$250.00} last reported XX/XX/22 XXXX XXXX XXXX  {$52.00} last reported XX/XX/22. 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 with out my written instructions.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX XXXXXXXX XXXX  I want these items deleted from my credit reports, As you can see, the CFPB actually deleted these accounts because I was victim of this data breach so I expect you to do the same immediately, Here is the proof that I was in fact a victim of this XXXX XXXXXXXX XXXX  as you may know you deleted these accounts from my credit reports because you saw that I was a victim of this data breach now XXXX and Experian refuse to delete these items from my credit reports please delete them immediately as I was victim of this XXXX XXXXXXXX XXXX Account Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX multiple times and reporting discrepancies, my financial institution and XXXX have failed to investigate my claims adequately. They informed me that recovering lost funds is impossible. This has exploited me to scammers, and has neglected to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!