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

My name and social security no. / private identity information has been EXPOSED IN THEIR DATA BREACH. 
Causing me, LOST OF EMPLOYMENT OPPORTUNITIES / JOBS / FINANCIAL DENIALS/ WITHDRAWAL OF HOUSING - HOME PURCHASES, BY FUNDERS. THIS DATA BREACH, HAS REPORTED INCORRECTLY ONTO MY CREDIT FILES, CAUSING ME, TAX DEBTS, WHICH ARE NOT MINES. LOST OF HOUSING BC OF INCORRECT INFORMATION AND / NOT MY INFORMATION. I HV EVEN HAD DENIALS ON STUDENT / EDUCATIONAL LOAN TO RETURN XXXX SCHOOL. HOME LOANS DENIED. I NEED AND WANT ALL OF THIS WRONGLY / INCORRECT INFORMATION REMOVED OFF MY CREDIT FILE / EMPLOYMENT FILE / TAX FILES BOTH STATE AND FEDERAL IMMEDIATELY. THIS IS CRIMINAL TO DO THIS, PUTTING ALL THIS INCORRECT / WRONGFUL DEBTS ONTO ME.
Product: Student loan

I took out a XXXX loan with Sallie Mae For the school year of XXXX. However two weeks before the year started I had a XXXX. I still attempted to attend school. I do completely understand that I still owe them, however because of my XXXX I have been unable to find work in my field. I currently work part time and make about XXXXevery two weeks. Sallie Mae is aware of the situation. I have tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to have them help lower my payments or put me on a forbearance program. The first time I contacted them I was told that I do not make enough money to qualify for a reduction in my payment. Ive tried at least twice more to get on one of their programs, but I can not get them to lower my payments to something I can afford. 

I have informed them on no less than 3 occasions that I'm not allowed to use my phone at work and their consistent calls are interfering with my ability to do my job. However I am still getting multiple calls while I am at work. 

Ill go through just the last week. 

On XX/XX/XXXX 2 calls XXXXXXXX XXXX and XXXX XXXX XX/XX/XXXX 2 calls XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and twice at XXXX XXXX I was at work from XXXX through XXXX XXXX   XX/XX/XXXX. That is 4 phone calls in a6hr period when I'm at work, I feel this is turning into harassment. Most calls do not leave a message. And three times messages were let by a XXXX where is tone is almost but not quite completely condescending. I put in a complaint with sallie mae after the first message and still received two more. 

They have also contacted third parties multiple times, after I asked them to not contact those third parties again.
Product: Debt collection

I received a letter dated XXXX XXXX 2017 from Hunter Warfield concerning a debt they claim I owe. The creditors name is XXXX XXXX ( Creditor ) in the amount of XXXX. 
This is my second notice. I have provided the account number listed on letter and there should not be any problem locating this information I would like debt validation to be provided through the Consumer Financial Protection Bureau portal and to be mailed a copy. 

I would like all correspondence to be in writing on this account.
Product: Credit card

To whom it may concern : XXXX has charged me for 2 months of unauthorized recurring charges to my credit card. 
I am requesting a refund of these unauthorized recurring charges. XXXX caused my card to be overdrawn, which incurred interest charges XXXX took it upon themselves to charge me without authorization. This is fraudulent behavior. 
I have contacted my credit card company to dispute these charges. 
I have also sent a message to XXXX. 
I will also notify and file a complaint with the XXXX XXXX. 

I am requesting reimbursement,. 
Thank you for your time and consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX United States - XXXX Customer Support Phone Numbers XXXX XXXX The following is an example of XXXX unethical and fraudulent unauthorized recurring charges : This an example of a person that experience the same issues that I am experiencing with your company. This example was discovered during my research of this issue. 

XXXX Unauthorized credit card changes and unethical behavior. 
XXXX XXXX XXXX XXXX, 2016 " I recently found out XXXX had signed me up for auto renewals without my expressed consent. I never received any kind of reminder or receipt of any kind of auto renewal and have now paid for a service I never used. I am now trying to seek reimbursement for this amount but it is still ... '' XXXX comments United States, XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I submitted a check via Capital One 360 Bank 's mobile application check deposit service. The check cleared the initial stage of verification, but at the end of the five-business-day hold, my funds were n't released to me ; paradoxically, my account was frozen. I have contacted Capital One 360 Bank about twenty-five times in regards to this issue, and been unable to reach a suitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information on JPMCB CARD from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Debt collection

I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : { dispute_item_and_explanation } As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I used to have this credit card ( Chase Freedom ) account since XXXX XXXX, 2012. And it is one of my oldest accounts. I applied for a chase XXXX credit card and was declined. When I received the decline letter in the mail got also a card cancelation letter for my Freedom. for " number of accounts currently in use '' ; " too many accounts opened recently '' My credit score is XXXX. I did not do anything wrong. This is ridiculous technically they are XXXX my entire financial situation and credit record with no real issue.
Product: Mortgage

The property located at XXXX XXXX, XXXX, GA XXXX was purchased in XX/XX/XXXX by XXXX XXXX the borrower and I XXXX XXXX, her husband, was added to the title only at closing. 
On XX/XX/XXXX we were granted a divorce and the property was awarded to me. Thereafter I learned that the payments had not been made and was {$4700.00} due which I brought current. I continued making payments until I was laid off and collected unemployment at which time I sought the help of an attorney to assist with a modification. The firm of XXXX reviewed my financials and gave me a schedule which included {$5500.00} for the mortgage company, plus other debts totaling {$12000.00} for 60 months at {$230.00} monthly. until it was dismissed, The loan was with Homeward Residential, Loan # XXXX and sold to American Home Mortgage Loan # XXXX which statements were being sent in my name since I was making the monthly payments after the decree.and quit claim deed was sent for their records Thereafter the loan was again sold to Ocwen Loan Servicing Loan # XXXX and when I tried to communicate with them they refused stating I was not the borrower. I tried for months to communicate but was unsuccessful until I received correspondence in my name that the property was being foreclosed. With the help of a housing counselor we contacted the attorney who assisted with us to be able to speak with a supervisor at Ocwen where I was assigned a Single Point of Contact who scheduled several appointments and gave me information to submit forms and complete documentation for a modification which was done. The foreclosure was postponed and I requested to have the property refinanced in my name which I believed was being done. I later learned that the modification could not be done in my name as my ex-wife was the only one on the mortgage.I was then offered a short sale and took all the steps to provide the required paperwork. I inquired if my father who was living with me at the time could purchase the property and was told yes and had him qualified.. In speaking with the Counselor who informed me that it was unusual to do an arms length transaction and suggested I speak with someone directly in the Short Sale department who stated it could not be done. 
At the last scheduled appointment the XXXX informed me that I could reinstate the loan the day before the new scheduled foreclosure sale date which is XX/XX/XXXX by paying the amount of {$47000.00}. 
At this point I am requesting your assistance in what can be done to keep my home as it have been over two years and I have had no resolve.without getting the proper information from the mortgage company.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear EXETER FIN, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that EXETER FIN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing.

I assert with unwavering certainty that I have not provided consent for EXETER FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws.

I demand, with the utmost certainty, that EXETER FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that EXETER FIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone apparently hacked my Experian online account, so that I can not login, and when I try to access my experian account information using my social security number and birthdate as they request, the system says " we have sent your account information to xyz email address ''. Unfortunately the email address they are sending my account information to ( username reminders, password resets ) is *not* my email address, instead it is an account on some XXXX server XXXX. Experians automated phone service only allows for continued username reminders and password resets - and there is nobody to talk to about someone having improper access to my credit report via a fraudulent email / stolen Experian account. I have called every single number I can find for experian and can not reach a human to deal with this fraudulent email being associated with my credit report information on their website.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 there were multiple transactions made in my Cash App account from XXXX. The last XXXX transactions for {$190.00} and {$480.00} sent all my money from my Cash App account to a strange account I dont know. The other attempts were also sent to strange accounts I didnt know. I had lost my second phone that day, out running errands and I didnt realize until I seen all of my money was missing from my Cash App account. I tried requesting a refund from the person and reporting the account. I also made multiple disputes with Cash App to try and get my money back but they have denied one of my disputes saying it was me and I told them I had a second phone that was stolen by someone with all my info still in it. I just really want my money back I was saving up for my birthday and apartment and that just really put a dent in my pockets.
Product: Credit card or prepaid card

I've disputed this account several times and I have two fraudulent accounts with JPMCB, that dont belong to me and I demand its removed. JPMCB CARD Date Opened : XX/XX/2018 Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy information that you have reported regarding my credit file. Additionally, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ) and highlight serious concerns regarding violations of my consumer rights. Firstly, I wish to invoke my rights under 15 U.S.C. 1681 ( a ), which emphasizes the consumer 's right to privacy. The bankruptcy information you have on file has been reported without my consent, which constitutes a clear violation of my privacy rights. It is imperative that my personal information is handled with the utmost care and in accordance with consumer protection Secondly, as outlined in 15 U.S.C. 1681 ( b ), information can only be provided for permissible purposes and with written instruction from the consumer. I have not provided any consent for the release or use of my personal information related to any bankruptcy filings. Without a valid permissible purpose and my explicit written consent, the dissemination of this information is unlawful. Furthermore, according to 15 U.S.C. 1681 ( e ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I have reason to believe that the bankruptcy information in my report is inaccurate or outdated. I request an immediate investigation into this matter to validate the accuracy of the information reported and to ensure compliance with legal standards. As a consequence of these violations, I have filed a complaint with the Attorney General 's office regarding the unauthorized use of my personal information and the failure to uphold consumer rights in this matter. I expect a thorough review of my dispute and a prompt response detailing the results of your investigation. XXXX XXXX XXXX XXXX XXXX XXXX Filed Date XXXX Case number XXXX
Product: Debt collection

There  XXXX  accounts on my credit which I never had  XXXX  are car loans  XXXX  fo r Santander and a apartment community in which I never lived
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX SS XXXX DOB XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

Nationstar Mortgage is running a foreclosure scam. They ran an escrow analysis in XXXX 2015 with an annual tax amount that was almost XXXX my actual tax bill. My county treasurer has contacted them on several occasions in writing via fax, etc including a 3 way call while I was on the line to correct this amount. The escrow department at Nationstar has assured me several times that he problem will be solved within 5-7 business days. Meanwhile, they call me constantly at work on my celular phone with an automated dialer and with an automated message to tell me that my account is delinquent. I make payments every month, but can not afford to continue making double payments due to their escrow error. They are also reporting to the credit bureau that I am delinquent and therefore I can not acheive refinance with any other company. They are now sending foreclosure notices. When I call to speak with the escrow department, they repeatedly place me on hold and then disconnect me after over 30 minutes on hold.
Product: Credit reporting or other personal consumer reports

These Accounts do not belong to me. I have tried to resolve them with all three credit bureaus, and to no avail was unable to get them rectified. I have never initiated, authorized, or opened these accounts. I've forwarded the letters that I sent including the latest for Authorized user. I did this to eliminate XXXX as an option prior to my filing an Identity Theft Affidavit.
Product: Credit card or prepaid card

I received a credit card bill from Synchrony for sam 's club. I have never had a Sam 's Club card. Did not apply for one. 

The charge listed on the card is for an Annual Membership Fee of {$50.00}. My annual membership is due in XXXX 

I do not understand how a card can be opened in my name without my permission... ..for a charge this is not yet due. 

This is a scam that has an interest rate of 25.9 %.
Product: Vehicle loan or lease

I am submitting a complaint regarding inaccurate late payment reporting by CAPTIAL ONE and XXXX. Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. If my payment, due on the due day it was reported as late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. Please find attached my dispute letter and supporting documentation.