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

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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account Number XXXX, has violated my rights. 

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
Account XXXX XXXX, has violated my rights. 

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


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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXXXXXX 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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A Bank of America account was opened in my name XX/XX/2022 but it wasnt me. The bank said they couldnt help me. I dont and never had an Bank of America account
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside XXXX XXXX XXXX but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of XXXX, XXXX and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. XXXX and XXXX have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.
Product: Mortgage

XXXX/XXXX/XXXX I am writing this letter on behalf of the lack of concern, underhanded tactics, a total disregard and disrespect of customers, conduct unbecoming of professionals whose job is to deal fairly and justly with customers facing financial hardships, regardless of the cause of the hardship. 
On XXXX/XXXX/XXXX, I filed a Chapter XXXX bankruptcy in an attempt to get a handle on my debt. I received a letter from Green Tree Servicing LLC, informing me that my loan was being transferred from XXXX XXXX to their company and would be in effect on XXXX/XXXX/XXXX along with my new account number and the mailing address. 
The bankruptcy was discharged on XXXX/XXXX/XXXX, but I kept receiving monthly billing statements and was paying them because I was told that I still had to pay because this was owed and if I did n't, I could very well lose my home. 
On XXXX/XXXX/XXXX, I made a decision to see a credit counselor to try and clean up my credit. When I received a copy of my credit report, both Green Tree Servicing LLC and XXXX XXXX XXXX appeared with the same outstanding balance of {$25000.00}. I requested that XXXX investigate and correct the account. 
I made payments to Green Tree Servicing LLC from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX in the amount of {$3900.00} ( USA Dollars ). I attempted to to speak to Green Tree Servicing LLC concerning the matter, but, I was given the run around and told that someone would contact me but no one ever did.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX PD onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called One main who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. One main rejected my dispute, so I then sent more information to XXXX. Documentation from XXXX showing the account from One Main was paid and I now have a XXXX balance. One Main refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. One main is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!
Product: Checking or savings account

ive had a wells fargo account for over two years and today tried to transfer money to a linked external bank account and it told me to call customer service to verify my identity at XXXX they said both my phone numbers werent eligible to be used to verify my identity. they put two cases in one for number XXXX with reference number XXXX, XXXX with reference number XXXX they said it will take 5-7 days to make them eligible. my account number is XXXX checking and XXXX savings.
Product: Credit card

Chase bank cut off access of me using my cards knowing its my own credit that was granted for life, liberty and pursuit of happiness. They also never applied the presented securities to my account creating mail and security fraud. They withheld me from achieving excellence with my credit since banks dont loan money via XXXX and denied me a credit increase, which is eminent domain. The law states that anything over {$1.00} can be claimed and redeemed, which my rights were also denied.These unlawful actions are a breach of contract.I demand compensation and accounts be fixed and in good standing with unlimited access.
Product: Mortgage

My mortgage is DUAL TRACKING my account. 

I have been applying for loss mitigation for over 1 year. 

I have provided all of my personal income and asset information, proof of residency, etc. 

At the same time they have hired and attorney to process a foreclosure. 

The documents that the attorney submitted to the foreclosure judge to get a summary judgement against me were falsified. 

The name of the Servicer is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX
Product: Vehicle loan or lease

I finance a new 2017 Nissan XXXX through Nissan motor acceptance company and was sold gap insurance at the time. Upon the totaling of this car, Nissan approved me for a new loan for another car and the dealership told me that Nissan Motor Acceptance was approving my new loan only because I provided the proof that my insurance was totaling the first car. I financed a second XXXX and my insurance paid the claim. However, this transpired in XXXX and I have yet to have this other loan removed and am receiving derogatory impacts upon my credit report. You and NissanUSA try pushing the responsibility upon dealerships and gap companies and I have also contacted my Senator in regards to failures from this department to help me.

I know have confirmed that Nissan Motor Acceptance is at the center of all of these delays and is destroying their own paying customer 's credit with apathy. They have failed to provide me, the customer with any documents on file with this company proving the pay off of a refunded warranty package, which was required by XXXX XXXX XXXX ( Gap Company ) Nissan responded to many inquiries by myself by saying they sent the documents to me and the gap insurance company ; however, as of today, the gap insurance company confirmed they have never received any correspondence since the claim was initiated. This refusal to help the customer has come to great harm to my credit, my ability to find safe housing in XXXX California where I am attending University and caused me great emotional and financial harm. I was never provided with the documents as a customer that I required regarding the Gap insurance sold to me by Nissan and refused any acknowledgment of my pains or their responsibility in any of this. They have lied to me about what I was buying twice and treated me poorly from the beginning of our business dealings. I will also be sitting Down with my XXXX XXXX XXXX XXXX in hopes of getting help filing suit against this unfeeling company.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

I have reached out to all three credit bureau. I am going on 4 months right now. I have sent them all my information. Things like picture of my ID, Bill, etc. The problem is that they keep giving me the run-around. I'm going on a vicious cycle of letter sending with no real outcome or proper validation. They keep sending me the same letter. I have tried to reach out to the creditor listed on my credit report but the post office says its not a correct address, the address on file for that creditor is not good. 

I can't get a proper verification of my debt and they keep avoiding the fact that they can't get a hold of the company either. I believe the company dose not exists anymore. 

The credit bureaus have violated my first two request as a consumer. I never got any letters from any of the credit bureaus. No respond, past 30 days. I understand that the amount I am trying to remove is only {$99.00} so it may not be a big deal for them. What am I suppose to do about removing something that can not be verified and that has a bad address that I can even mail money to get it cleared.They have violated conduct a reasonable investigation of my dispute, and correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. I will keep this letter as my record of this dispute and will look to hire an attorney for all my time, money, and physiological stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX has violated my rights to privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXXXXXX XXXX account XXXX Open XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$8.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian and the companies listed in this complaint back in XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that Experian and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXXXXXX XXXX signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

I have been very patient with XXXX and have requested them to remove inaccurate information from my credit report that has implications for fraudulent activity. This is the fifth time I am bringing this matter to your attention, and I don't have the words to explain how disappointed and frustrated I am. Dealing with people and systems that are purposely directed towards innocent individuals, treating them like trash and ignoring them, is unacceptable. This has gone far enough. This has to stop now, especially with XXXX, XXXX, and TransUnion. 

If you graded them as criminals, they would be the worst of the worst. Their actions have killed so many people 's hopes and dreams and, in some cases, might have caused divorces, murders, and even suicides. Their corrupted actions only benefit the richest corporations and have actively been labeled above the law. Is that really happening?

All information provided to the Bureau or the Commission, whether orally or in writing, shall be treated as confidential and not publicly disclosed until the Effective Date. This will be mentioned to the attorneys I am going to hire to sue and pursue punitive damages for the duration of the combined efforts accumulated over the last year. I was hacked by a hacker and lost over {$300000.00}. Now we know how they get their informationemails, passwordsall because of negligence and greed. Hope you are ready to pay again. This shouldn't happen to anyone. How do you recover from a loss like this? I have lost everything, and I have to live with that. I don't think you realize how much anger has built up. 

I would like XXXX, XXXX, and TransUnion to please remove all the negative, inaccurate, and unverified information. Especially the charge-offs that are not supposed to show any balances and have been fraudulently added after being removed correctly. The creditors have already committed fraud by not removing them since they had their time to send the 1099c, and it has been sent to the IRS as 1099a. If anyone like you or I lied or stole money at that level, we would see prison time for sure. Above the law, you would think. Is fraud a crime or not?

And next, please remove your own fabricated hard inquiries. If the consumer does not receive any funds from the transaction, why are you adding them back on after removing them? Sneaky, like you know you are breaking the law, like adding more apples to the bag that was already weighed and packaged equally, then expecting to pay the same price for stealing. I hope you find it in your hearts to give a little back sometimes instead of taking every drop you can like spoiled, entitled brats. Thank you.