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

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of certain accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a result of this breach, the following accounts and inquiries were affected, and I am requesting that they be blocked and permanently deleted from my credit file. 
Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8400.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8600.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX ACCE XX/XX/XXXX XXXXXXXX XXXX XXXX  C XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LC XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. TEAM XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

My school loan went into collections a few years ago, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. ) I was contacted numerous times by Performant Recovery , Inc. by mail, phone and even a family member who was not even listed as an alternate contact which started XX/XX/XXXX. Performant Recovery, Inc sent me a letter a week after ( XXXX sent me wage garnishment papers ) claiming to be collecting on the same exact loan ( as XXXX ) and threatening to take my federal tax return-again NO confirmation of the loan information. Performant claims it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening, or who took it. In XXXX I received wage garnishment papers from Perrformant regarding this same loan I am currently in payment arrangements with ( XXXX ), I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year. As per an alternate complaint ( Case number : XXXX ) on the other collections company ( XXXX ) XXXX XXXX, the Vice President of Corporate Compliance for XXXX XXXX XXXX XXXX XXXX stated : XXXX XXXX 's account was closed out of our office and returned to our client in XXXX XXXX. The client she is referring to is XXXX whom I already have a payment arrangement set up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute a late payment that is still being reported on my credit report for my student loan account. The late payment in question occurred over 5 years ago, and I believe it is necessary to address its reporting status due to recent developments regarding student loan debt. 

To provide context, I want to highlight that the student loan account in question has been deferred and I have never had any other late payments. Despite the deferred status, the credit report continues to reflect the late payment from over 5 years ago. However, I want to bring to your attention that there are ongoing discussions and movements in the United States government to address the issue of student loan debt and potentially remove it from individuals ' credit reports. There has already been motion for the debt be removed from government workers. 

The inclusion of this late payment from several years ago significantly impacts my credit history and may limit my financial opportunities. It is crucial to consider the evolving landscape surrounding student loan debt and the potential implications it may have on the reporting of such information. 

In light of these circumstances, I kindly request your assistance in investigating this matter thoroughly and reassessing the reporting of the late payment on my credit report. I believe it is unjust to continue reporting this late payment, given the passage of time and the potential changes that may be implemented regarding student loan debt reporting. 

Please take into account the following points : The late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain a responsible payment record. 
The account is currently deferred, as indicated by the documentation I have provided, and is not in an active repayment status. 
The current environment surrounding student loan debt calls for a reevaluation of reporting practices, as there is growing momentum to address the burden of student loans and potentially remove them from credit reports. 
I kindly request that you review this matter with consideration for the points mentioned above. I believe it is essential to rectify the reporting of this late payment, especially in light of the potential changes to student loan debt reporting that are being discussed. 

Please provide me with a written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this dispute and ensuring the accuracy of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted   XXXX   XXXX  , ChexSystems,   XXXX   XXXX   XXXX   about fraudulent information contained in my consumer file with ChexSystems. Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SC  XXXX  Name :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   S.C.  XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XX/XX/2016    Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    ,  AL  XXXX  Reported Name   XXXX   XXXX   XXXX   Reported Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ,  GA  XXXX  Reported SSN :  XXXX  Drivers License :  ( Blank )  RTN :  XXXX  Account :  XXXX  Reported for NSF  : Am ount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.
Product: Checking or savings account

Yes I had An account with stride bank aka chime for roughly about a year give or take. I noticed an unauthorized transaction one day and I reported it promptly and followed the steps. Even though it was unauthorized they denied my claim and followed by insufficient evidence that didn't prove it was or wasent unauthorized. Then I noticed another small one here and there and tried in vain to notify chime and tell them my info he had to be compromised because there was more and more money that would just vanish out of my account. I received a deposit in XXXX for roughly XXXX from social security. Within XXXX days my balance was at XXXX and there just wasent any warning no call from bank, they shut my account down. I realized in horror there is XXXX plus gone from my account. The same transaction s had been coming out for months. Almost duplicate. I was in another town and money was taken XXXX miles away. I later discovered there is a second card you can use. A credit builder and there is a virtual card in the app. All the dispute s, all my money stolen and not one representative mentioned this too me cause obviously I could not figure out how it was bring done. Then all these transfers using pay friend app which I told them yes I authorize maybe XXXX the whole time which if you look at my statement clearly the culprit is in black and white and was still denied my dispute because my so called friend lived within XXXX miles even though XXXX ip addresses accessed my app there was no proof of unauthorized or fraudulent activity. I feel my bank failed me by not protecting my account and listening to me as a consumer. I have asked them to basically audit my checking and get to the bottom of this and dispute which transaction I know for sure I didn't do which as you will see it's very confusing.. O have even turned them in to the attorney general cause I feel they are doing nothing .I haven't heard anything on my disputed and I strongly believe chime the company itself has something to do with my missing funds just do to the fact that they denied almost every dispute but yet there was proof I didn't do it. If I'm FDIC insured who got that money. I believe chime is keeping it and denying consumer dispute. If not why haven't they done anything about my family 's funds?????
Product: Mortgage

Upon closing on my XXXX mortgage loan on XX/XX/XXXX, Ameris Bank set up my escrow account. Unfortunately from the beginning of the escrow setup, the estimated monthly payment was incorrect. At that point, I faxed and emailed, on at least 3 separate occasions, an updated copy of my Homeowners premium declaration page as well as a copy of my estimated property tax amount to Ameris. Today is XX/XX/XXXX, and this issue is still not resolved. I have spoken to at least 4 supervisors that inturn spoke with a supervisor or manager from the escrow department that informed them that week after week, an escrow analyst would be performed. I was told initially that the escrow analyst would be completed on XXXX XXXX, XXXX. I have been over paying into my escrow by hundreds of dollars every month. I have spoken to a research Escalation Specialist by the name of XXXX XXXX on 2 separate occasion and he initially promised that the analyst would be complete on or before XX/XX/XXXX. I have also spoken with someone in the research department by the name of XXXX who ensured me that the escrow analyst would be complete on or before XX/XX/XXXX. At this point, I have to take further actions to get this issue resolved.
Product: Debt collection

I was called by XXXX XXXX XXXX on XX/XX/year> at roughly XXXX regarding a medical debt. I asked the person that called to identify themselves, and they refused to, only stating their name was XXXX. When I asked again for them to indentify what company they were from, they threatened to put me down as " not taking care of my debt '', and started to try to end the call. He threatened me for requesting more information about who he was, why he was calling, and what company he was with.
Product: Checking or savings account

Wells Fargo bank suspended my accounts, i dont have an access i cant use my debit cards, and every day say same think you can call after 24 to 48 hours and i called 6 days but nothing changed
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX funding in response to my letter to settle any so called debt I owe. I stated ill pay this so called debt of {$680.00} in regards to account ending in XXXX that I might owe if the following info is provided ; contract with both parties signature, a invoice ( not summary ). They responded sending me a account summary. I replied saying this is my 2nd and last attempt to settle this debt. And that they failed to provide with what I asked to prove these Accusations about me. I sent out this letter XX/XX/2023. XXXX attach last letter I sent to them. 



in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end
Product: Mortgage

This is additional information not a duplicate. My servicer has me documented as having a second mortgage on the papers he submitted to CFPB in response to my complaint. However, I have " NO '' second mortgage and " that '' is the money that is being disputed. If you look at the documents that I have already submitted you will see that my servicer has that same money documented as " deferred fees ''. However, I did n't notice this until after my response had already been submitted. My case number is XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which XXXX XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent
Product: Credit reporting or other personal consumer reports

Following accounts need immediate deletion, as there was no proof of thorough investigations, Experian, Transunion, and Equifax continue to report false information, this is beyond discriminatory at this point, also they refuse to delete items in litigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got behind on my mortgage payments due to financial hardship and now I 'm facing an active foreclosure. I 've asked for a forbearance until my additional income comes through. Currently I 'm waiting on  XXXX  and the income I do have only covers basic living expenses. This has been my primary residence for 39 years and I do n't have anywhere else I can relocate to at this time.
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 {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}.

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 ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.
Product: Mortgage

I fell behind on my payments due to XXXX sps approved me for a forbearance and when the plan was over I asked for a deferment. I am under review for the deferment but they just placed a notice of sale on my home for XX/XX/2022 even though Im under review for loss mitigation assistance, and they did not file a new Notice of default. 
I just want to start making payments on my home please help.
Product: Debt collection

Sams Club credit collection is trying to collect a debit I don't owe and I was never associated or worked for the account holder XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX. They Claim that the account opened in XXXX and closed in XXXX, I asked for evidence of me opening this account but they don't have any and asked me to contact Sams club and they are not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

JEFFERSON CAPITAL, XXXX And XXXX is showing on my credit report as a collection account. I had these accounts removed a year ago due to Fraud but it is now back on my credit report! I have never had any accounts with this company I do not know what this is for! I already called this company a year ago and advised them that this is FRAUD! It was removed but now they are reporting it again! THIS IS FRAUD I DONT USE CREDIT CARDS! My Credit is perfect NO LATES OR DELINQUENCY EVER! Please remove from my Credit Report! Thanks!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed an account reported by XXXX XXXX XXXX XXXX  ( owned by the same company ) in the file you maintain under my Social Security Number. 

I was informed on XX/XX/year>, Report Number : XXXX that the account was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 



I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the 30 days past due from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

My Personal information has been exposed in a data breach and after reviewing my credit report I have noticed some accounts I am not familiar with, I have asked the CRA 's for a validation of debt numerous times, and yet this information has not been provided. My information has been exposed in a national data breach for I have submitted a FTC complaint reporting the info I am not familiar with. Please find attached below is a copy of my FTC complaint and a copy of my XXXX  and ID report showing my information being exposed.