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

XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX is reporting to my consumer reports that I did not express permission or permissible purpose to report. XXXX XXXX XXXX b. As a consumer I have the right to privacy pursuant XXXX XXXX XXXX, pursuant XXXX XXXX, and pursuant XXXX XXXX XXXX. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX XXXX  have reported my private information without my consent. XXXX XXXX XXXX  actions have amount to aggravated identity theft XXXX XXXX XXXX. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures XXXX XXXX XXXX. XXXX XXXX XXXX Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section XXXX of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXXXXXX XXXX XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. XXXX XXXX XXXX and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

XXXX XXXX XXXX XXXX  XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, my XXXX account experienced unauthorized access by an online scammer based in XXXX. Subsequently, my XXXX XXXX, linked to my Schools First XXXX card, was compromised by XXXX. Promptly, I informed my bank, filed a XXXX claim, and awaited a decision. Regrettably, as of XX/XX/2023, my claim was denied, and no detailed written explanation for the denial has been provided by Schools First Federal Credit Union. This is unprofessional on Schools First because they failed to notify me as a customer, I had to contact them for a decision and update. My money is not secure at this banking institution.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 these 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 Balance {$530.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX  XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX  Balance {$530.00} XXXX  XXXXXXXX XXXX Balance {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.
Product: Credit reporting or other personal consumer reports

Kickoff Lending reported to XXXX that I was 60 days late on my payments. this is not the true, I was never late on my payments. I was always on time. I paid the loan off a very long time ago. There was a saving account that I took out but I tried to cancelled it two months later, I sent them e-mails and messages for over 2 months and no one answered me back. I told them I wanted to cancel the saving account but I never was able to get anyone to response back to me for over two months, I had to finally send them a letter asking them to please close the saving account. They put it in the credit bureau that I was 60 days late but if they had answered my e-mails and messages they would have known I ask to close the account but they never responded to any e-mails or messages. They told XXXX I was late on the saving account but I ask to close the account but they never responded back to me until I sent the letter, They said they would change it with XXXX but they never did. I want them to correct their mistake.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Transunion Credit Report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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.
Product: Debt collection

Received a letter from XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ). 

The letter stated that XXXX XXXX XXXX XXXX is a debt collector and that I owed PayPal {$38.00}. 

I have not responded to this letter as I have NEVER had a PayPal account or used PayPal in any manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES EQUIFAX, XXXX, AND XXXX  and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on  my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies EQUIFAX XXXX  AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.
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. 

DEPT EDXXXX : # XXXX {$75000.00}, XXXX : # XXXX {$28000.00}, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Inc. unlawfully published a phone number under the personal information section of a report that was generated on XX/XX/2023. 

In a CFPB claim that was submitted XX/XX/2023 ( XXXX ), the company was informed that the phone number was being used fraudulently and added to the report by a third party contractor working with Transunion Inc. at the time.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - XXXX XXXX XXXX XXXX with a balance of {$0.00} XXXX - Opened XX/XX/XXXX with a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I sent a letter opting out of any and all authorization on XX/XX/XXXX XXXX the FCRA as a federally protected consumer, I, XXXX XXXX am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802-6805 to XXXX XXXX. 

Also I am aware, a charge off is a certificate of indebtedness 1099c. Meaning it is now income and income can not be reported on a credit report and must be removed. XXXX XXXX XXXX
Product: Credit card

Subject : Help to redeem Earned cashback for XXXX Credit Card Account Hello, I hope this message finds you well. 

I am writing to seek help regarding the closure of my XXXX Credit Card account by Synchrony on or around XX/XX/year> and not receiving the earned rewards for the statement period from XX/XX/year>, to XX/XX/year>. Specifically, I am entitled to approximately {$640.00} in cashback rewards ( calculated at 6 % on grocery purchases for that period ). I will provide a detailed calculation of this amount if necessary. Note that, the closure was done without any attempt to contact me or requesting information or transferring the rewards in my XXXX balance as expected. 

On a recent call with Synchrony 's customer service, the representative I spoke with was very cooperative but unable to resolve my issue. Given these circumstances, I kindly request your consideration towards a fair resolution and that I receive the cashback rewards. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report, I would like them to please be removed from my credit report as they are hurting my ability to obtain credit. 

XXXXXXXX XXXX Account Number # # # # # XXXX Date Assigned XX/XX/year> Current Balance {$250.00} XXXX XXXX XXXX XXXX # # # # # # XXXX Date Assigned XX/XX/year> Current Balance {$200.00}
Product: Credit card or prepaid card

Barclays closed my Arrival credit card account on XX/XX/2018. I maintain a credit score in excess of 760 and have paid all of my bills for over 20 years. Barclays claim they closed the account because of " Your history of account usage. '' What does this mean? I used the card to buy things and then I paid off the balance. 

At the time my account was closed, I had XXXX miles worth {$440.00}. Those miles were taken from the account. They easily cover the very small balance on the card.
Product: Mortgage

Hello, I submitted papers to Mr. Cooper ( FKA ) Nationstar Mortgage in XXXX or XX/XX/2017, for a modification for my mortgage ; in which I was approved. I noticed during the 3 month trail period my mortgage payment were more, in which I thought would be less. As I struggle to make the 3 month payments of {$2000.00} after the loss of my job, I received my final modification forms which indicated my mortgage would be more than the original payments before the modification. I was thinking the the rate would decrease from 4.625 to a lower percent. It appears that Mr.Copper added additional fees, did not decrease the rate and made the mortgage payments more. I would like to know what are the criteria for obtaining a lower rate. I know individuals who did a modification with the same mortgage company and received a 3.75 or less rate. The modified payment is more than the original payment I started with. As I stated, I would like to know the criteria that was used to determine how a lower interest is provided. In addition, I can never contact my DEDICATED loan Specialist XXXX XXXX to ask any questions Please Advise ... XXXX XXXX
Product: Student loan

Nelet not processing save program for my loan, still charging intrest and expecting payment.
Product: Debt collection

I've been trying to get this resolved with this horrible, immoral collection agency ALL YEAR! Their collection tactics are deceitful. They just buy alleged debt for pennies on the dollar to turn a profit. Despicable! They are still claiming that I owe {$1900.00} to XXXX XXXX and can't provide any documentation to verify!!! Ive never had an account with XXXX XXXX. I have reached out to this company 4 times between XXXX and XXXX of 2021. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Product: Mortgage

To Whom It May Concern- After speaking with Connecticut XXXX XXXX XXXX XXXX regarding a potentially fraudulent reverse mortgage, he suggested that I file a complaint directly with the CFPB. 

My parents, XXXX and XXXX XXXX are now deceased. It appears that my parents took a reverse mortgage on their primary residence at XXXX XXXX XXXX, XXXX, Ct XXXX in XXXX unbeknownst to me. They were both already quite elderly and in ill health and my XXXX passed early XXXX. I dont believe they had the required counseling nor did they have the required 50 % equity in their home. Im having a hard time seeing how this loan would have been approved. It appears that their first mortgage of approx {$300000.00} was paid off and some notes I uncovered indicate a {$69000.00} check issued. The appraised value at that time was {$520000.00}. I have found no evidence of any other financial benefit of this transaction, nor can I find any signed documents. In addition, my sister ( who has the same name as my mother ) was living with her at the time and her actions have proved to be fairly nefarious over the years. 

My wish is to keep our family home as I have lived here since XXXX with my husband and son, but this entire process has been very stressful and confusing. HUD recently had the house appraised at {$670000.00} and the only statement I received prior to my mother 's passing ( XX/XX/XXXX ) indicated loan balance well over {$700000.00}. How can that possibly be? 

Ive made several attempts to retrieve original paperwork from the bank as I have none in my possession. My calls and emails go unanswered and they have not been very forthcoming with information. This loan seems to have been serviced by several providers over the past. Currently, it is being handled by XXXX XXXX at XXXX. I was told that HUD is paying the property taxes from the XXXX XXXX XXXX but I received a letter today requesting the homeowner 's insurance renewal due in XXXX. 

We are hoping with your help, to access all of the paperwork as well as any counseling received to determine exactly what transpired and state of both their physical and mental health and to determine the path forward to keep the home. Thanks very much for your attention. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My credit report shows a debt payable to CELCO for {$140.00}. I have contacted this company and they can not tell me to whom this amount is owed. It is impacting my credit score. 

What can I do?