23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This notice is to inform you that you unlawfully reported fraudulent accounts open in my name XXXX XXXX. The Following account is a result of Identity theft and was not initiated by me, I demand that account be DELETED immediately. My identity has been stolen you are herby put on notice.Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A ( 1 ) In General.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.An identification of me has been used with out my permission to open this fraudulent accounts # XXXX that have damaged my reputation and damaged my mode of living because you furnished a false information to consumer reporting agency without my written permission as stated by Federal Law.15 USC $ 1681b Permissible purpose of consumer reports. I have attached all the relevant documents pursuant the above Section of the law. Attached Identity theft Affidavit police report, driver ID FTC identity theft report and XXXX XXXX XXXX. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. company shall delete the any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by consumer ( 1 ) Appropriate proof of identity of the consumer : ( 2 ) A copy of an identity theft report : ( 3 ) The identification of such information by the consumer : and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached all the relevant documents pursuant the above Section of the law. 

I demand this Fraudulent account be DELETED immediately from consumer reporting agencies.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I received student loan forgiveness through a borrowers defense application being approved. The student loan servicer only put a small portion of the forgiveness on my loan and applied it to the interest only. After applying this my amount that is owed didn't change, I still owe the exact same amount and before the government payment pause even ended they have added more to my account that I now owe. I'm trying to figure out if I received the loan forgiveness how do I still owe the same amount and even more after this was supposed to be applied. I would like my loan amount to reflect the forgiveness.
Product: Checking or savings account

I 'm having issues with multiple overdraft fees. Especially at the end of the month. I am trying so hard to get it all figured out but this month I made multiple mistakes. I really think these fees should be per day and should not be more than the transaction. Come payday I 'll will cry as so much is taken from me especially little petty withdarawals that I wonder how they even got approved. It is so sad that these big ceos get filthy rich on the little guys mistakes or minor lack of funds. Can you please help stop this continuous issue every month. I can not keep up if they keep taking XXXX or more dollars I can feed my kids with. I am on XXXX and my husband is working as much as possible. I made the mistake this month but all I 'm asking for is a little forgiveness to try to overcome this.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The inclusion of these items has profoundly and negatively impacted my life, causing me significant stress and anxiety. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

There's an unfamiliar credit inquiry on my report which is very alarming, as I didn't authorized or consented to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Credit reporting or other personal consumer reports

I sent a two fold letter to the company on XX/XX/2024 requesting both validation of the debt and HIPAA authorization giving the provider consent to share my information with this company. I never received a response. I sent a follow up letter on XX/XX/2024, demanding what was previously requested and again, this went ignored. The company continues to report this alleged debt on my credit report while ignoring letters, that I as a consumer, have the right to request and receive. The company has also has been sharing non-public information with the credit bureaus and this violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions. So, again... *****I am requesting that the HIPAA covered entity or its business associate provide debt validation for an account in question. Please provide that validation in the form of agreement, and original bill, and a detailed statement of procedures is required, if any. 
XXXX. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 
XXXX. Please provide a copy of my signature with the provider of service to release my medical information to you. 
XXXX. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any XXXX. Cease any credit bureau reporting until the debt has been validated by me. 
XXXX. Please provide me with a verified certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service. 
XXXX. Finally, please provide an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA FDCPA or HIPAA. ***** I am also requesting : ***1.Evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. XXXX. Please provide the signed documentation, from me, giving you permission to release my non-public information. *** I am carefully documenting these correspondences in the event that I will need to seek redress in civil action for the financial and emotional distress this has incurred, if you continue to report with no regards to the law.
Product: Debt collection

I am getting daily phone calls on my cell phone, from " Midland Credit '', a company with which I have never done any business. They have said that they have the wrong last name and I have never had any other last name, so why are they calling me??? 

I owe a little bit on my mortgage, no payment has ever been late. I paid off my car early, I do not owe anything to anybody - outside of my mortgage which I could pay off in an instant. 

I do not own Midland Credit - or anybody else - a XXXX. I want these calls to stop. 

Get these guys off my back!!!
Product: Checking or savings account

Axos Bank failed to secure my account and allowed access from an unauthorized third party. 

On XX/XX/XXXX, there was a login with username to the Axos Account on XXXX XXXX using browser XXXX  at IP address XXXX XXXX. This was allowed without the XXXX  or proper authorization. The unauthorized login was able to access my account XXXX during the week of XX/XX/XXXX. An unauthorized user linked a XXXX XXXX account ending in XXXX on XX/XX/2022 at XXXX EDT, and was able to make two separate external transfers, and two internal transfers, totaling {$12000.00} in losses. 

I did not access my Axos account on the days above, nor did I allow anyone to access my account. I have 2-factor authentication on my login, which requires a one-time password sent via text to my cell phone. I did not receive any text from Axos on those days. Additionally, I have my account set to email me for any transfers and was not notified of any activity on these days. 

On XX/XX/2022, I accessed my account using my XXXX  app with the IP address XXXX, followed by login using XXXX XXXX XXXX XXXX  on XXXX XXXX and reset my password. 
I have reported this case as criminal theft and identity theft. Please see the attached police reports, XXXX filing and letter of dispute. I would like to resolve this issue amicably, please reach out to me at the phone number or email on file for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report that the XXXX XXXX XXXX Account is still open with a balance of 10,000+ Dollars. However, XXXX XXXX XXXX has verified numerous times that this account was paid off nearly a year ago. Yet, Equifax continues to report it as an open account with balance. I have tried several times to get Equifax to update this record, but they will not. 

XXXX XXXX XXXX - XXXX - Balance - XXXX I have also Reached out to Equifax regarding the XXXX Account that shows a balance on my report of XXXX. This account has been paid off months ago and Equifax will not update its records.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XXXX. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Only document we received says " Consumer Loan Note-Security Agreement and Disclosure Statement Do not Close before XXXX XXXX.Shows amount Financed {$77000.00} annual percentage Rate XXXX % Finance Charge {$83000.00} Interest Rate XXXX  %, Principal and Interest {$680.00}, Est. Taxes and Insurance {$93.00} Estimated payment {$770.00}. Contract signed by Husband and wife on XX/XX/2023. Lender signed XX/XX/XXXX, XXXXOn We made XXXX separate payments on XX/XX/2023 for each in the amount of {$770.00}, Payments made XX/XX/2023, XXXX, and XX/XX/2023 which was for the XXXX payment. On XX/XX/2023 we received a copy of Approval Notice dated XX/XX/2023 showing payment to be {$810.00} loan amount $ XXXX.The amortization they sent us starts Due Date XX/XX/2023 and they claim they can not go back and generate a correct amortization schedule. As of to day no 1098 has been received even though I have requested several times.To date have no correct documentation that gives correct date of loan, correct terms, a correct amortization schedule or a 1098 form showing amount of interest and fees paid for 2023 so I can complete my tax returns for 2023.
Product: Checking or savings account

I never had a account with this bank this account was open fraudulent my personal information was compromised hacker stole my identity
Product: Debt collection

I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 

Federal Trade Commission Number XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Checking or savings account

My bank blocked my debit card permanently after I confirmed that 2 fraud payments from a company calles XXXX/XXXX weren't mine. I didnt want my card blocked as I was trying to unblock it to get home from work. I had 5 dropped calls from Santander, nobody would listen to my situation. Now without my debit card for a few days and I see the fraud payments still went through and Santander has not reached out to me once after 5 attempts of phone calls and an email. My telephone account is also blocked now for some reason. 
I also reached out to XXXX and they didn't help much, I emailed them back just asking what the charges were and they replied to me in all XXXX.
Product: Credit reporting or other personal consumer reports

The company not only submits an extremely lazy response but a late one. My Equifax complaint was sent on XX/XX/2024 through the CFPB so the company certainly received my letter on this date. However, I did not receive a response from XXXX until XX/XX/2024. This is well over the 30 day period. In addition, the company proceeds to ask for verification information such as " DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT '' which was sent in my initial letter. This proves that the company indeed DID NOT read my letter & that their response is frivolous. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Equifax also updated the disputed accounts as " verified '' on my consumer report however they did not submit any proof of verification along with this loose and frivolous statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XX/XX/XXXX I filed for Bankruptcy. I decided not to follow through. I did not meet with a Trustee, I did not go to Bankruptcy Court. I paid all of my creditors without the assistance of the Bankruptcy Court. For the last 7 years this bankruptcy has appeared on my credit report. The Bankruptcy Court state that they do not report to any Credit Agency. Since the Credit Reporting Agencies did not receive this Bankruptcy information from the Bankruptcy Court, how did they get it and was it obtained in a legal manner according to the Fair Credit Reporting Act? This bankruptcy information was dismissed over six years ago and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft GS BANK USA Account Number : XXXX This is not mine.
Product: Checking or savings account

XX/XX/2021 Received junk mail from Wells Fargo Bank, N.A. ( 114 ) XXXX XXXX XXXX XXXX, OR XXXX Inside a fraudulent bank statement in my name from Wells Fargo Bank Page 1 , Everyday Checking account. dated XXXX XXXX Page 1, The statement included an assigned account number XXXXXXXXXX Page 1, Assigned to me : My Name Page 1, Stating for direct deposit use : routing number ( RTN ) XXXXXXXXX Page 1, Statement period activity summery Page 2, Overdraft protection statement Page 2, Important account information Page3, Worksheet to balance your account
Product: Credit reporting or other personal consumer reports

I contacted Ally financial and requested for an extension of my XXXX auto loan payment in the amount of {$1100.00}. I was eventually granted approval of the request on XX/XX/year> ( See attached letter ). I was told to make a minimum payment of {$670.00} within 10 days from XX/XX/XXXX ( the date the agreement was incepted ), and the remaining {$360.00} will be due on XX/XX/year>. On XX/XX/XXXX, I received a text that my payment for {$670.00} was past due which was only 6 days within the allowed 10 days as agreed to. I contacted their call center and there was a huge language barrier and I kept requesting for a manager and got no where. I then hurriedly made the payment to remain compliant to the agreement. On XX/XX/XXXX, my 3 credit reporting servicer notified me that I had received a late payment from a creditor. I logged in and noticed that Ally had reported my XXXX auto payment which was not due until the XXXX and which they had approved an extension on the XXXX of XXXX was 30 days late. I contacted Ally customer service on XX/XX/XXXX and once again experienced the same communication challenge. At this point I had satisficed the terms of the extension agreement including making the payment of {$360.00}. I was informed I could contact the credit reporting agencies directly which I did and only XXXX deleted the late. Both XXXX and XXXX have refused to delete the late from my record.
Product: Credit card or prepaid card

i was suppose to get my unemployment and my ex sister n law went to check my mail and i guess she stole my card i didnt even know i had one until i got a letter in the mail i dont no how tpo get into the account are if she stole my money that was supposed to be on there to and if she did how can i go about getting it back
Product: Debt collection

I spoke to a representative 3 weeks back and was told that I owed XXXX because the insurance took the payment back. I did reach out to XXXX XXXX and was told there was an error and that they will reprocess it and that XXXX XXXX will have it. I spoke with them as well 3 weeks ago and the eta they gave me was 7-10 business days.