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

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I never had an account with XXXX or XXXX. My ex opened up the account without my consent. I do not even live at that address.
Product: Credit card

There were 12 charges made to my account that was a fruad, i called chase bank to report it they gave me credit but yesterday they said that im responsible for for these purchases even tho i didnt make these purchases i lost my wallet and there reasoning it wa s You received benefit from this transaction. thats why the fruad got denied which doesnt make sense because i never did
Product: Debt collection

The account and information listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts to be taken out, nor do they relate from any transaction by me. 

The company is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Further, I am demanding that this and any account with your company that is attached to my name be deleted from your records and closed for good. 

Thank you for your help in protecting my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

This new Claim is to be apart of # XXXX BOA Called me Thursday XX/XX/XXXX at XXXX to advise me that someone named XXXX ( XXXX XXXX from there Executives Escalations team would call to go over things. I have called and left numerous Voice mails for a return call and nothing and no answers still. I will continue to file a new COMPLAINT Every week if I have to, I will also give all this information to my Attorney who is scheduling a call with the XXXX XXXX this week for an investigations of an almost 7 month since the date of incident. 

_____________________________________________________________________ XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Fraud occurred on my Business Bank Account at XXXXXXXX XXXX An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/XXXX and recall wire was sent several times from XXXXXXXX XXXX  More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX  ASAP within 45 minute 's of happening. XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX  ) and from any recalls that have been sent since XX/XX/XXXX. Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX should not be on my credit file. I have provided proof from them as Attach.
Product: Mortgage

I had applied for a conventional mortgage through Fairway Mtg in early XX/XX/2024 for approximately {$470000.00}. As time elapsed through the excruciating underwriting process, I received the closing documents. On the document, there were points added to my closing ( approx. {$2300.00} ) without my knowledge or approval. I sent an email to the office manager asking about this additional charge and was told that I received the closing costs at the beginning of the underwriting process. I did receive a closing costs estimate but there were no points on that estimate. In addition, I had been negotiating the price of the property during the underwriting and was able to reduce the cost by {$2500.00}. I told my mortgage office that the price was reduced and to take that amount off of the loan. This was not done, it was taken out of the closing costs instead ( effectively giving them a larger mtg ). 
Once I realized all this and I withdrew my application from Fairway Mortgage. I proceeded to go with another lending institution. Fairway had all my information which the new institution needed but they had blocked me out of the app which stored all my information. The Fairway office manager was often " unavailable '' to my new lender to provide the information needed for this loan. 
I honestly believe they have preyed upon unknowing applicants in the past by adding unnecessary and costly points on the closing.
Product: Checking or savings account

My daughter opened a fraudulent credit card account in my wife 's name and attached it to our bank account. It was open from  XXXX   XXXX  until  XXXX   XXXX . Chase bank is doing very little to help us. We have filed a police report.
Product: Mortgage

I contacted Ditech 's preservation department on or around XXXX/XXXX/2015 after I had been informed that Ditech had sent someone to my property to cut my grass. The company they retained- XXXX XXXX XXXX retained another smaller contractor who completely destroyed both sides of my gate along with the pad lock that was securing the property. They knocked the fence off the posting on both sides of my gate. By the way, the backyard is fenced and locked so I 'm not sure why they felt the need to break thru the gate to cut the back yard, which can not be seen! I contacted XXXX XXXX XXXX and they claimed Ditech 's preservation department authorized them to cut the lock and to gain access to the back yard. I had been corresponding with Ditech 's XXXX XXXX in the property preservation department to work on a resolution but my emails are now going unanswered. Due to their unscrupulous actions, my home has been unsecured since the company they hired trespassed on private property and destroyed my fence, gate and locking mechanism. To make matters worse, they have been and are now charging me corporate advance fees for the lawn maintenance and now fence repairs for a gate their contractor broker! I must tell you I have pictures where no repairs have taken place. Additionally, I asked on XXXX/XXXX/2015 that they issue a cease and desist order to all vendors from entering upon my property, but they are still authorizing vendors to perform work at my property. When I initially inquired about the " XXXX XXXX XXXX '' appearing on my statement, I was told that this was part of my escrow shortage. When I inquired on another occasion, no one knew what the fees being charged were but would send me a statement, which I never received. I recently spoke to a SPOC with Ditech, XXXX XXXX on XXXX/XXXX/2015 and he did n't know what the fees were for either but promised to find out why these fees are now in excess of {$1300.00} on my account. I must tell you that we are being forced to pay them in addition to the regular monthly payment. Our payment was refused if we did not pay toward the corporate balance. I am appalled at how my loan is being serviced and fear that other consumers are being taken advantage of. I never had these problems until my loan servicing was switched from XXXX Mortgage to Ditech. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

NAVIENT has contacted me via mail, telephone and email ( somehow they have reached out to me and my co-borrower via e-mail, though I have never provided them with this information ) about XXXX private student loan disbursements that I have no record or knowledge of ever obtaining. I have since fallen past due on amounts for both of these loans and when I called NAVIENT to seek an economic hardship forbearance and/or deferment of any sort, they told me that they required a significant payment in order to process any kind of deferment or forbearance. I am attempting to research these XXXX loan disbursements, but I wanted to have a forbearance granted in the meantime while I figured out what exactly these accounts pertained to. NAVIENT refuses to work with me in any way, shape or form, and they seem determined to ruin my credit over unverified debts in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I didnt do or have any knowledge of could you please delete this from my account. 


XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim sent po report inaccurate information sent all the violation to XXXX, experian, XXXX
Product: Debt collection

Process server pounded on my door after dark on XX/XX/XXXX. Left notice to contact them to deliver a civil summons docket number XXXX for XXXX XXXX credit card debt that I was unable to pay due to losing my job during Covid. Money judgement says {$4100.00} plus court and post judgment interest. The court date on the summons was altered and a federal holiday. I have tried to reach a settlement with LVNV & XXXX XXXX XXXX, but can not get any written documentation or return phone calls. Threatening language and intimidation tactics were used. I researched XXXX XXXX XXXX and LVNV and found they have countless complaints. XXXX XXXX XXXX was sued by the United States in XXXX and ordered to stop deceiving consumers and ordered to pay {$790000.00} in restitution for consumers. I simply want to reach a settlement in a professional manner, receive supporting written and legal documentation and have them delete this from credit bureau reporting. When I asked XXXX XXXX with XXXX XXXX XXXX for documentation, she said " That's not how it's done. ''
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. 

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

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Vehicle loan or lease

According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank You! Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 
# XXXX, XXXX XXXX XXXX. 
# XXXX The XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has 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 a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed certified copies of disputes to XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS. They were delivered and processed, however, they did not comply with what I asked them to do. I asked them to properly investigate these inaccurate accounts that were reporting on my credit report. They failed to properly investigate these accounts AND send me proof of their investigations. 

On XX/XX/XXXX, I mailed a 2nd round of disputes. They still came back with the same results but not telling me HOW they are coming up with these results. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX  The results came back VERIFIED and UNCHANGED but still no explanation on their findings. According to 15 USC 1681 ( i ) 7, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

As of XX/XX/XXXX, I have mailed a 3rd round of disputes to these agencies hoping they will comply and DELETE these inaccuracies since they are failing to properly investigate and follow federal law. XXXX ( # XXXX ), Equifax ( # XXXX ), XXXX ( # XXXX ). 

These accounts listed below are in questioning and should be properly investigated and REMOVED 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

DIVERSIFIED ADJUSTMENT is in Violation of the Fair Credit Reporting Act law. They continue to inaccurately report on my Consumer File. They are reporting to XXXX blank entries with no status. This kind of reporting is misleading and inaccurate. Their negative reporting is depriving me of my rights that comes with having good Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, XXXX XXXX