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

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions, i disputed them couple months ago and they removed them and 2 months later they put them back on my credit report without my permission and I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To summarize my claim I will start out by stating the facts. I was excited to refinance my home from an FHA loan to a Conventional Loan and save on the PMI insurance. We qualified with a small margin but we qualified. One day before closing docs were to be printed, I informed my loan officer, XXXX that my son ran into an emergency with his car and purchased and financed a new vehicle. My son and I are both listed on the home loan. XXXX mentioned that we barely qualified but being we were closing soon we should be ok as long as they dont run your credit prior to signing the docs I thought that meant everything was good. XXXX had every opportunity to tell us not to sign but he didnt. Loan docs were printed and we signed all of them the next evening. XXXX also failed in advising that we were going to be signing a document stating we did not incur more debt Being that there are so many papers and its overwhelming ; this particularly important statement which I signed didnt register with me. I hold the loan officer, XXXX, as the professional, responsible for not acting in my best interest. He has full knowledge of what goes into these legal documents and failed as my agent. I was honest and upfront prior to signing. XXXX also knows what happens after closing. My loan was audited 6 months later. Basically the owner of the Brokerage decided to ignore my file after the initial contact of notifying me that I signed said paper. He never offered me a solution. Since then UWM my lender has informed me that the current loan has to be paid off. 
I just finished refinancing at a higher interest rate. I incurred XXXX in closing costs and my payments went up {$1300.00}. I had to sell my car and take a loss of {$5000.00} in order to qualify for the re-fi. 
Property Address : XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX I recently found out that the loan officer listed below, does not have license and uses the Brokers number. This means he can not discuss certain things with the client. 
XXXX XXXX XXXX  XXXX XXXX, owner ( XXXX ) XXXX email XXXX XXXX  # XXXX and XXXX # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX ) XXXX email XXXX One reason Im making this claim is so no one else goes through what I have gone through to try and save my home. We as the consumer lean on the professional to act with integrity dealing with someone's livelihood.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021 we noticed a balance transfer from our credit card and reported it right away to the credit card company HSBC. They said they would take care of the matter i had to ask them for a replacement card they wouldn't of replaced it if i asked them which you would think they would if i just reported a fraudulent transaction. So we asked them to investigate and there investigation was a copy of the check which was cashed on XX/XX/2021 9 days after we reported the transaction plenty of time to stop payment.the transaction was for {$1500.00} plus balance transfer fees and monthly interest we are 7 months into this now the police investigated and found it to be fraudulent notified HSBC every time we call HSBC they tell us they check and call us back. Because of this my credit rating dropped XXXX card closed our account and XXXX others lowered our credit limits causing my score to drop due to debt to ratio we lost {$10000.00} worth of credit from the other cards. Can you please help apparently they don't care when even the XXXX, pa police dept. found it to be fraudulant.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 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 XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX 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: Debt collection

I have never concerned myself really about my credit because of how young I am. But recently I concerned myself with establishing my credit in order to purchase a car. I was very shocked to see that someone used my information not once but Four times. The XXXX issues I will be addressing with the same collector. 

DIVERSIFIED CONSULTNTS # XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1600.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1600.00} Original Creditor : XXXX ( XXXX ) Past Due : & gt ; {$1600.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$83.00} Original Creditor : XXXX XXXX XXXX Past Due : & gt ; {$100.00} & lt ; I have never done business with either of these companies. 
I have already reported identity theft with IdentityTheft.gov and the Your reference number is XXXX. 

I will also submit a copy of my Taxes for XXXX to show location during said time. 
I have not had the opportunity to establish a great credit score and now it seen it will be a while before I get the chance to do so because of this identity theft situation.
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention a critical matter regarding my credit report obtained from your bureau. Upon reviewing the report, I discovered fraudulent accounts, particularly XXXX XXXX XXXX, and XXXX XXXX XXXX inaccurately associated with my name and Social Security number. I believe I am a victim of identity theft, and I am taking immediate action to address this issue.
Product: Credit reporting or other personal consumer reports

Great evening, Seeking assistance regarding removing all addresses, phone numbers, charge offs, closed accounts. Ive attempted prior by mail and this portal, yet the 30 days has just occurred, and the bureaus have yet to respond. Would be greatly appreciated upon satisfaction results. 

Please see attachments. 

Thanks in advance
Product: Credit reporting or other personal consumer reports

I sent a cease and desist notification to this debt collector which means to cease all communication however this company is still communicating a collection attempt on my consumer report
Product: Debt collection

This is not my debt. i need full investigation to prove this is my debt. Im a victim of data breach id fraud. Plz remove this from my credit report its hurting my livelihood to take care of my family.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that XXXX remove LVNV Funding from my credit report and delete any names except for XXXX XXXX. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, LVNV Funding is not listed in the XXXX XXXX XXXX as having proper certification to collect debt in the state of Ohio. XXXXAccount # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Mortgage

I am contacting the CFPB as I am stunned and scared as my mortgage servicer, CitiMortgage denied my request for a loan modification because the FHA loan I have that is co-signed by my brother ( who quit claimed off the property XXXX/XXXX/14 ) also co-signed for a loan with his girlfriend with XXXX XXXX and that loan happens to be an FHA loan. That loan was taken out a few years after my loan so I can not understand why this is being held against me and CitiMortgage will not modify my loan because of this. I went online and pulled the FHA handbook guidelines refernece Handbook XXXX : XXXX stating this is the exception and not the rule. I tried appealing the decision and they came back today and stated my only option is short sale. I have nowhere else to live and I started working a XXXX job for the past year just to be able to afford this home. It appears from the FHA handbook an exception can be made considering I live in the home, my brother does not and we have a recorded quit claim deed. - XXXX Non-Occupying Co-Borrower. A non-occupying co-borrower on property being purchased with an FHA insured mortgage as a principal residence by other family members may have a joint interest in that property as well as in a principal residence of their own with an FHA insured mortgage. XXXX See HUD Handbook XXXX for additional information ). Under no circumstances may investors use the exceptions described above to circumvent FHA 's ban on loans to private investors and acquire rental properties through purportedly purchasing " principal residences ''. 

Considerations in determining the eligibility of a borrower for XXXX of these exceptions are the length of time the previous property was owned by the borrower and the circumstances that compel the borrower to purchase another residence with an FHA insured mortgage. In all other cases, the purchasing borrower either must pay off the FHA insured mortgage on the previous residence or terminate ownership of that property before acquiring another FHA insured mortgage.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : ONEMAIN FINANCIAL ( Finance ) which have been reported twice without my consent. 
XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.
Product: Credit card or prepaid card

I received a letter from Capital one regarding the closure of my credit card account due to inactivity. Card ending in XXXX. I have had this card for a very long time and I have excellent credit and by them closing it out and not giving me a chance to use it, it will hurt my credit rating because this is an old card. 

I called them and requested that they do n't close the card and suggested it can be transferred or converted over to a new card which offers better products. 

They told me we can do this and someone will call me back and its been a few days now and no one has called me back. 

I strongly believe this is a discriminatory practice by Capital One. I did n't violate any terms and conditions either. If they want me to use the card than they should offer me better incentives like all other card companies I use currently. 

This tactic of forcing excellent customers to close their accounts without any warning is Discriminatory and based on Race in my opinion. 

They never even sent me a card because old card expired 2 years ago. How am I suppose to use the card?
Product: Credit reporting or other personal consumer reports

I have tried to correct my personal information, The consumer agency was suppose to update my personal information but when I received my consumer report it was not updated. Therefore, the information that's on file is incorrect. I would like to have my information updated. I can't get a consumer report from XXXX because I never signed up to get my report because the security questions are not mine and I informed them of that as well. I was told there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00}
Product: Vehicle loan or lease

Yesterday XX/XX/22 I walked into XXXX car dealership ( XXXX, Nc ) for a consumer credit transaction. After choosing the vehicle for me and my family I extended my credit to said dealer and they ran my SSN ( creditcard ) First they approved me contingent upon a down payment. 15 usc 1605 states there should not be any cash involved. After I mentioned that, said company then tried bringing down to a cheaper car. I said I need to speak to the person whom ran my credit so that I may explain that I AM THE CONSUMER AND ORIGINAL CREDITOR PROTECTED BY FEDERAL LAW! They wouldnt allow me to speak with them.They said they only speak with dealer which is deceptive and misleading considering it is an account that I the original person and consumer originated when I extended my credit. I tried calling the number on the inquiry of my consumer report but number was out of service and also the name was different than the general manager gave me. This is deceptive and misleading. So now ( Ally financial ) denied me the loan for my families vehicle but has opened an installment loan or bank account ( per my consumer report ) and has acces to my open ended credit account with out my consent which according to the FCRA is IDENTITY THEFT. I am not seeking anything unusual I just want my consumer credit transaction 100 % financed with zero fed notes or XXXX down for my families vehicle. I tried submitting complaint to company 4 times and it didnt go through. IAM AWARE THAT I AM THE ORIGINAL PERSON, AM THE CONSUMER AND ORIGINAL CREDITOR AND I AM PROTECTED BY FEDERAL LAW. I will continue to pursue legal action if need be
Product: Credit reporting or other personal consumer reports

Can not log-in to my account and can not get any one on the phone to help except a computer person. This is not the first time this has happened. This is stopping me from buying any products.
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX has violated my rights.

15 USC 1681 section 602 A. states : I have the right to privacy.

15 USC 1681 section 602 A Section 2 states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) states : no consumer reporting agency may make any consumer report containing 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 USC 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.