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

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

Continue to report inaccurate and unverifiable information to My consumer report. Continue to report unverified account and late payments, Continues to violate the FCRA consumer rights, Causing emotional distress and defamation of character.
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : 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 XXXXXXXX XXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX : number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report inaccurate items after there investigation. Im attaching my dispute letters with all of the information.
Product: Debt collection

I do not have any idea about this collection that was stated on my credit reports for {$650.00}. I never received letter or any other items from them and I do not even know what this is for or who it is for.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I obtained a XXXX Mortgage from Prospect Mortgage in XXXX thatincluded 3 months of mortgage payments. Prospect transferred my loanto XXXX who did not apply those payments so that when I made mypayment in XX/XX/XXXX they returned the payment saying I wasin default for not paying the first 3 months. I called Prospect and was toldthey no longer service my loan and referred me back to XXXX. I wentback and forth like that until I hired an attorney to assist me in XX/XX/XXXXto see if I could get a Making The Home Affordable Modification. Aftermy attorney did research it was found out that XXXX failed to applymy 3 month payment that was sent to them from Prospect Mortgage andthus made it seem like I did not make the first 4 contractual paymentsunder FHA. As the loan was a gut rehab XXXX loan with $ XXXX towardsthe work to be completed I could not live in the home until the house wasat least habitable ( with working toilet, kitchen and bedroom ). Prospectdue to XXXX 's negligence in handling my payments was informed ofthe forced delinquency and then refused to pay my contractors. So Ithen had to come out of pocket to pay them for the work they had done. 
XXXX stated they could n't give me a Modification because they didn'tfind evidence of my first 4 contractual payments which would have beenthe case had they appropriately applied my 3 month mortgage escrowand my XX/XX/XXXX payment which they returned. When evidence of thenegligence on XXXX 's part was presented their next argument wasthat I did n't live in the home. Which did not have any working plumbingnor was habitable due to their incorrect classification of me as a delinquentborrower. Prospect Mortgage has not released any money since XX/XX/XXXXfor work repairs. I need to have my home complete before the end of yearas I need to put in my boiler for the winter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX sent a letter saying there are wrong, unknown items, FCRA violating, and damaging things on my credit report. It has been well over 30 days later I have not received a response yet even though I have called and mailed reported documents. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been well over 30 days and every proof needed to sustain deletion has been provided so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted dispute requests requesting investigations into inaccurate information on my credit reports. Neither time did any of the provide sufficient evidence of its validation or verification which should have led to the removal of the accounts from my reports. The credit bureau has failed to protect my consumer rights and I am now submitting this last complaint before seeking claim for its negligence! Please consider this letter as formal notice of my intent to hold you accountable for any damages caused by the continued reporting of inaccurate information. I request a written response within 30 days of receipt of this letter confirming the resolution of this matter.
Product: Student loan

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I'm writing to you about a problem I'm having with my student loans. I was recently transferred to a new loan servicer, Ed Financial Services. Right after the transfer, they took a {$1000.00} payment from my account on XX/XX/XXXX. The problem is, neither my old nor my new loan servicer can figure out where that money went. 

I've been in contact with Ed Financial Services since the end of XXXX, and they just keep saying they're looking into it. At this point, I'm really concerned because the money is still missing from my account, and I haven't gotten any answers. 

I'm hoping the Consumer Financial Protection Bureau can help me get to the bottom of this. It would be great to get some answers and get this problem resolved. 

You can reach me at XXXX if you'd like to follow up with me. 

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

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Mortgage

First Priority Mortgage company has been dragging the process on AFTER it was approved by underwriting, and then asked for more documents, changed what was asked for several times, first a letter regarding a bank account in trust to my son, then when provided changed the request. Most recently yesterday they claimed they went to the IRS requesting a transcript for a XX/XX/XXXXtax return ( rather than asking me for it ), and today promised an answer as to whether or not the loan was finally clear to close ( its been over 2 months and closing deadline is XX/XX/XXXX, so I called the IRS who informed me no one requested or inquired about a transcript from any year. They outright lied.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite my previous written request, the XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my id

entity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XXXX day, my wallet, phone, and a couple other items for stolen by a family member. I had to order a new phone and during the days that I was without a phone, I was unable to check my bank account or get any notifications regarding my account and this family member was making it a whole bunch of fraudulent charges the day I receive my new device I immediately call Citi Bank reported my card stolen, filed a dispute. They denied the transactions only two days later I believe so I called back, resubmitted the dispute. I was notified today, that I would not be receiving a provisional credit because my pin number was used in some of the transactions which my pin number was my grandmas birthday, who just recently passed away, and my cousin was who stole my wallet in my purse and everything and of course, he knows what my grandmothers birthday is, but they went ahead and permanently gave me a credit for all the credit transactions so those disputes with resolved in my favor but pin based transactions were all denied
Product: Debt collection

The debt collection agency NATIONAL CREDIT SYSTEMS parked a debt on my consumer reports without notifying me of the alleged debt. I never received a notification or disclosure to dispute the debt or that the communication was from a debt collector. I, XXXX XXXX, noticed that NATIONAL CREDIT SYSTEMS is not licensed in the state of XXXX or XXXX. This company also gives implications that the holder of this account is from an attorney. A violation per 15 USC 1692e ( 3 ). This company is also damaging my financial reputation placing this alleged debt on my consumer report with the three consumer reporting agencies. A violation of 15 USC 1692d ( 1 ). This behavior is deceptive and abusive.
Product: Credit reporting or other personal consumer reports

The Following NAMES & EMPLOYERS are being reporting by Experian on my consumer report and are inaccurate.15 USC 1681EB, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act. 

INCORRECT Names : XXXX, XXXX INCORRECT Addresses : XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX EMPLOYER : XXXX
Product: Debt collection

Back in XXXX I decided to go back to school for XXXX through XXXX University Online. I received my Associates degree in XXXX of XXXX and since then it's been a total nightmare. XXXX College, part of XXXX   Colleges, was a network of for-profit schools charged with systemic fraud by the Consumer Financial Protection Bureau and the Department of Education. 

XXXX left me deeply in debt for a worthless degree. XXXX may have filed for bankruptcy protection, but students can not declare bankruptcy on their loans. I am still liable for my XXXX debts, despite the fact that XXXX broke the law : the school stands accused of false job placement statistics, securities fraud, and the unlawful use of military seals in advertisements. 

It was clear from multiple government actions and investigations, dating from as early as XXXX, that XXXX was rife with deceptive and unfair business practices. Despite this, the Department of Education continued to allow over {$1.00} billion a year to flow to the school.
Product: Credit reporting

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX that was opened without my knowledge. The account is fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account.
Product: Credit card or prepaid card

I made a payment of {$1200.00} last week, reducing my total balance. The payment posted, and has been deducted from my bank account. Unfortunately, Citibank will not update my available credit despite the payment being made as this was a larger than usual payment on the account. I spoke with an account manager and they didnt have the ability to confirm with my bank that the payment was deducted. Im away from home and this is the only payment method I have access to currently.
Product: Credit reporting or other personal consumer reports

Compliance with FCRA 605B entails the eradication of any erroneous entries from my credit dossier. These entries do not accurately reflect my credit history. I am entitled to compensation of {$1000.00} for each such erroneous entry on my credit report.
Product: Credit reporting or other personal consumer reports

Months ago I discovered that I have been a victim of XXXX XXXX again. I currently have and had in past fraud alerts on my credit but yet it is still being compromised. I have created police report, ftc report, affadavit letters along with all supporting documents. I sent documents to credit bureaus and issuers of the credit accounts that were fraudulently opened on my behalf. I reach out to here as the companies and credit bureaus do not want to abide by the fair credit act and remove these fraudulent items from my credit report as it is hindering my life.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.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

I signed up for a credit report from Transunion on XX/XX/XXXX upon request of my landlord XXXX XXXX and was unknowingly opted into a XXXX $ credit screening service. I have been charged XXXX $ every month since and did not realize. Transunion did not spell out clearly that this would be an incurred monthly fee and I am seeking reimbursement for these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several paid collections from ECMC and XXXX. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.