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

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account number : XXXX Account name : USD DEPT ED Account Number XXXX XXXX Account name : USDEPT ED Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries XXXX XXXX 

XXXX XXXX XXXX XXXX in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is still reporting an identity theft inquiry on my credit file that I did not consent or have knowledge of - XXXX. XXXX ( inquiry ) Equifax continues to remove this from my credit file even after several days of reporting this fraud inquiry to equifax and after I have provided an identity theft report and police report outlining this fraudulent inquiry. 


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

the amounts are fine ; it was suppose to be in forbearance status entire time and not considered late. it has been considered late in XXXX and XXXX. I tried removing it through XXXX service, but could not figure out how to do it properly
Product: Mortgage

I was contacted by Capital Mortgage Services of Texas, my current mortgage holder, in XXXX of XXXX. I was advised that due to interest rates being low, it would be a good idea to look at a possible refinance. After agreeing in XXXX of XXXX to do a refinance to a 20 year term, I would shave a year of my mortgage off and reduce my current monthly mortgage payment by {XXXX}. We got to work in early XXXX on getting them all the required documentation on our part. They required additional items throughout the month that we provided. We signed disclosure statements on several occasions and didnt hear back from them after XX/XX/XXXX til XX/XX/XXXX. We had assumed during this time they were processing the paperwork for closing, but they needed the same documentation that had already been given to them to ensure nothing had changed financially with our situation, which it hadnt. We got them the needed documents and then they informed us that there is a subordination on our mortgage that needed permission to do the refinance. They said this would take 2 weeks to get approved. So they dragged their feet on processing our paperwork and didnt find out about a subordination until 3 months after we started the process. It is now XXXX and rates have gone up and they were only able to lock us in at the lower interest rate for 60 days from the agreed upon time in XXXX. They informed me that it was due to the need of us getting the additional documents that they requested a second time and the subordination approval. I called and spoke with the account representative, XXXX XXXX, who took no ownership of the situation and passed the blame onto the processor and informed me that he would call me back the same day after speaking to his supervisor about the situation after I explained how I believed this to be deceptive practices on their part with interest rates going back up, being able to make more money. I believe they knowingly dragged their feet on processing the paperwork and finding out about the subordination 3 months after starting the process is highly questionable. I have yet to hear back from them after trying to call XXXX XXXX back and leaving him a voicemail.
Product: Debt collection

I received a letter by mail from American Coradius International LLC stating that my XXXX balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to an egregious violation of my consumer rights by EXPERIAN and XXXX RESORTS. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws.

1.The timeshare account is unauthorized and was reported without my consent.

2. It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare.

15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts.

The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive.

Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act.

Failure to safeguard consumer data and ensure it is used solely for authorized purposes.

Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness.

Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress. 
Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights. 

I hope this issue would be resolved as soon as possible. thanks for your help
Product: Bank account or service

I have had some fraudulent issues on my direct express card. I have filed disputes and they claim no error am has occurred. For orders returned and not refunded they still claim no error has occurred. They have claimed I did n't send paper work. But a dispute rep has read off what I put on the the dispute forms. They are refusing helping me get my money back. It is n't a few dollars. This is over XXXX
Product: Debt or credit management

Of course, no gurantee. Long story short, Was to get done with my case is XXXX years or deducting funds from my account but after XXXX  years I had to stop them. They " suggest '' that they will resolve your case with between 50 % to 60 % reduction to pay off and ALMOST guranteed at least 50 %. At the end of XXXX years I had paid more than I owed in the beginning. I kept questioning every time they would settle something for only lowering the amount due by 10 % to 12 % and I would ask am I still on track for XXXX years. They said yes, some settle for less than others. THEN, the real fraud came in after the XXXX years of paying I ended my association from them with still XXXX accounts still open. And of course these were the XXXX largest amounts. I told them I would just pay them off. I contacted both companies ( although NATIONAL DEBT RELIEF ) was still taking money out monthly, both these companies told me my accounts were paid and closed. No further action needed. The worst part is NDR told me both accounts were sticking with only settling for 90 %. When I called the one they said that's a complete lie. We have XXXX settlement amount and no matter what the circumstances, we always settle for 60 %. No more no less. Those were frauds, they actually stole from me, I had in reserve a XXXX XXXX XXXX  dollars for them to pay off and I asked them to send my my funds and they over {$600.00}. emails and phone calls did't help.
Product: Debt collection

This debt was originally from a XXXX bill from over 8 years ago. I handled the bill with company directly. Jefferson Capital has no right to this debt. I want to see the original debt and contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. It was opened on XX/XX/2019 with an amount of {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

name not mine NAMES REPORTED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX, FL   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX address not mine filed ftc XX/XX/XXXX Creditor Name XXXX Account Type Flexible Spending Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$3000.00} Term -- Monthly Payment {$170.00} Responsibility Authorized User Balance {$3000.00} Highest Balance {$3300.00} Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XXXX  XXXX, XXXX Amount Past Due {$330.00} Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Misc . 
XXXX XXXX XXXX XXXX Creditor Contact Details XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Removed By* : XX/XX/XXXX Inquiry Type : Finance XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Bank  XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquires not mine
Product: Debt or credit management

Online this company is recommending. It is a scammer company the bank warned me now I am having to repair it. We are disputing it. It is the company is Aura. They report problems with security. AURA are SCAMMERS.
Product: Credit reporting

I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Checking or savings account

On thursday or wenesday an unauthorized website tried to charge me XXXX $ an my bank reacbed out to me an declined this payment the next day another website charged me again and this time it went throught.
Product: Credit reporting or other personal consumer reports

Transunion has failed to properly investigate my disputes regarding inaccuracies in my credit report. Despite them varifying that my information was compromised in XXXX data breach. My submissions, TransUnion consistently responds within stating the account is accurate, without providing any evidence of the investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, TransUnion 's may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure that TransUnion complies with federal law and provides consumers with the necessary proof of investigation into said accounts : 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

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA XXXX ( XXXX U.S.C. XXXX ), requesting XXXX, Equifax, and XXXX to XXXX information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at The XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry at The XXXX XXXX XXXXXXXX XX/XX/XXXX, These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the XXXX  Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Account Name XXXX  XXXX XXXX Account NumberXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX Account NumbeXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 
Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX These accounts have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX/XXXX/24 XXXX- I have no documents that I have signed. Please provide the original signed documentation that this belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NOT SIGNED AGREEMENT WITH ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XXXX & XX/XX/XXXX BUT I HAVE NEVER BEEN LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENT OFF THIS ACCOUNT XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX BUT I HAVE NEVER BEEN LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENT OFF THIS ACCOUNT
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : TD BANK Address : XXXX, MN XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX Highway XXXX, XXXX SC XXXX Dear TD BANK I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

Today through XXXX XXXX XXXX, I find out my social security number is compromised and on the dark web. Therefore, I went onto the free credit reporting website to get my credit reports. i got experian ok, XXXX i did earlier, but XXXX was impossible and keeps telling me there's an error and they are unable to provide it. I don't know why. Also, regarding experian, they have the lowest of the XXXX companies for my XXXX score and i don't know why- they aren't acknowledging that i have excellent payment on my current and most of my credit cards, that i have a long good payment history except for XXXX cards i had to close and pay off/charge off, but why isn't my score improving? And, how long does the charged off card ( s ) stay on my credit reportsXXXX  score as a negative against me, isn't there a time limit by which they have to come off?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}
Product: Payday loan, title loan, personal loan, or advance loan

So XX/XX/XXXX I recieved a letter advising of Repossession of my XXXX  XXXX XXXX XXXX XXXX vin # XXXX. I in turn on XX/XX/XXXX sent overnight a cease & desist validation request letter. I clearly outlined that any further collection activity including repossession was to be halted until the alleged debt be properly validated according to the FDCPA. On XX/XX/XXXX OneMain repossessed my vehicle totally ignored my request. In clear violation of my rights again according to the FDCPA. OneMain sent a Bill to reinstate instead of validation of debt. on XX/XX/XXXX To the response of the bill sent instead of requested information validation XX/XX/XXXX I sent letter informing OneMain my plan to file complaint to Cfpb and the Maryland Attorney General Office and I've initiated legal proceedings against OneMain. Maryland Consumer Protection Act ( MD. Code Ann., Com. Law 13-101et seq. ) The act of repossessing my vehicle without the following due process and without providing adequate validation of the debt as requested in my Cease and Desist letter constitutes an unfair and deceptive trade practice, violating my rights as a consumer under the law. And repossessing my vehicle anyway. Maryland personal information protection ( PIPA ). OneMain Financial shared my information to a third party unauthorized which constitutes a serious breach of my privacy rights under Marylands PIPA. I express that OneMain Financial has clearly violated 15 U.S. Code 1692e ( misleading representaion ) On XX/XX/XXXX recieved letter from OneMain Financial denying all violations they have committed. I count 6+ violations not to include my property inside my vehicle. The hardship at the fact they took my vehicle. My XXXX daughter is not able to attend school because her cord to charge her wheelchair and other equipment is in my vehicle towed unlawfully by third party. Ordered by OneMain Financials unfair practices.