23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ). 

XXXX XXXX balance {$470.00} XX/XX/XXXX, XXXX balance {$710.00} XX/XX/XXXX, XXXX XXXX balance {$490.00} XX/XX/XXXXXXXX XXXX XXXX  Balance {$780.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$520.00} XX/XX/XXXX Seven hard inquires that Im requesting to be removed as well are attached below XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following 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.

15 U.S.C 1681 section 602A. 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 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Good evening my name is XXXX XXXX. I am a victim of identity theft with these items negatively affecting my credit report. I was previously XXXX, during that time there extremes amount of debt accumulated in my name without my knowledge. So therefore meaning that the debt is not mine. 15 U.S. Code? 1692e states " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is being reported falsely. ''
Product: Credit reporting or other personal consumer reports

Recently checked my credit profile these following accounts are fraudulent ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX . Those listed accounts are hindering my credit profile and me from buying a new vehicle and house. Multiple attempts on my end was made to remove these accounts due to their fraudulent nature. I would like these accounts removed immediately.
Product: Credit reporting or other personal consumer reports

I pulled my credit report I few times I noticed fraud accounts closed and open I reached out to have them removed they came back as verified these accounts are not mine and its affecting my credit with inaccurate, unauthorized information and accounts please remove them.
Product: Student loan

I made my first student loan payment after the pause days before the due date and was on the SAVE plan per their site. I was placed on administrative forbearance and saw my due date is now XX/XX/2024. Any payments I made continue to accrued interest which they should not per the SAVE plan. Also should not gain interest per their website description of administrative forbearance but Im still gaining it When I tried to pay down the interest - usually they apply the money to interest first and then principal but instead they applied it to principal first, again causing my interest to increase Their live chat is just a chat bot that links you to FAQarticles on their site- it is not a live agent and is misleading I have emailed them and made a complaint only to be told they are not responding to emails at this time. I have tried calling repeatedly during the week on my days off only to sit on hold for hours at a time and never reach anyone. They have turned off messages on XXXX as well. So right now, unless a miracle happens, - theres no way for me to actually talk to anyone about getting off forbearance, my interest forgiven because Im on the SAVE plan, and actually make my payments on the plan, instead of them racking up compounded interest. And there is no communication from nelnet as to why this is happening to not just me, but many loan holders ( just search nelnet on XXXX XXXX to get a good idea )
Product: Credit reporting or other personal consumer reports

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 1692. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX has violated my rights. 15 U.S.C. 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX  and before XXXX XXXX XXXX, local time at the consumers location ;
Product: Mortgage

After closing and funding, I had a remainder balance in escrow of {$1400.00}. Loancare told me that would be my refund. After closing and funding dates, Loancare decided to charge me my PMI, AFTER CLOSE, and states that there is nothing I can do about it. GO ahead and sue them is what they said. No money is to be charged after closing, it's the law!
Product: Credit reporting or other personal consumer reports

They charging me for a mortgage thats already paid for thought my trust account. I signed paperwork with XXXX XXXX not with a 3rd party debt collection company name thats on my credit is XXXX I never signed with them.. They dont have the original documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquires on my report that I did not request or give permission. 
XXXX and XXXX XXXX. I did not provide permission to these companies to request my credit information.
Product: Credit reporting or other personal consumer reports

I value your help again to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Checking or savings account

The bank has cancelled the check they sent me. They closed my account instead of crediting the transaction, and everything that was paid with the check before they cancelled it has now bounced. I no longer have a current car payment, insurance, electricity payment, or merchant completed transactions. Each of them including the bank where I cashed it are charging me fees. Also, the replacement check is not listed in transactions, it is not at my mailbox, and they are trying to collect the balance owed by XXXX my kids
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need Equifax, XXXX, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and Part XXXX  of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, Equifax, XXXX, and XXXX  can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/22 Synchrony bank charged XXXX of interest on the promotional purchase without any warning. I have been paying on time and in excess of the minimum payment. 
Per their admission, only XXXX remained to pay off the promotional balance. 
The bank is charging interest on the total amount of the XXXX dollars which on XX/XX/22 I did not owe. They are charging me on interest I do now awe and did not agree to. 
This is predatory practice and they should be held accountable.
Product: Checking or savings account

Bank of America out of fraud allowed or opened a account in my name on XXXX XXXXcalled bank of America .would do nothing without a pin number which i do not have
Product: Debt collection

XXXX made repeated phone calls and text messages to me! In XX/XX/year> i spoke with them and paid the balance off in full, I asked numerous times if there was any other balance, they told me no. A month later they began calling again, I asked them why they told me I had a balance of {$91.00} I told them I don't owe and asked them to investigate it. During the investigate I was informed I wouldn't receive phone calls until it was complete. Less than a week later, they called me again trying to collect. It took me till XX/XX/XXXX to get the issue resolved. However by that time they reported my account 3 payments behind, 30, 60 and 90 days late which crushed my credit score! I asked them to remove it because it was now damaging my credit and all they did was update it. I've tried numerous times to get it removed and they refuse to even though they falsely reported for 3 months. The reversal of reporting DID NOT undo the damage that was done to my credit. This prevented me from qualifying for other credit cards and loans and stopped my process for buying a house! I don't have the full call log but they have every call recorded, one of which a lady got smart and nasty with me without knowledge of my previous attempts to fix this issue.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX 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, credit repair services, or other personal consumer reports

In XXXX with the XXXX XXXX XXXX and XXXX Account, the below listed accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX  : Last reported XX/XX/XXXX {$250.00} Open balance : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor ) XXXX XXXX XXXX XXXX DEPT OF EDXXXX  : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

I have been alerted and it has been confirmed that my consumer report has been affected by the XXXX data breach and because of that accounts have been created against my will. I am submitting document for the expungement of the information disclosed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making this request pursuant to the FCRA guidelines ( 605b 15 usc 1681c 2 ) that you have 4 days to block the listed fraudulent items from my report upon receipt of this submission. This fraudulent activity consists of credit card account XXXX  acct number XXXX opened XX/XX/XXXX reporting twice, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX  acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent auto loan account XXXX XXXX acct number XXXX opened XX/XX/XXXX, These accounts have resulted in the damage of my FICO credibility to obtain credit. This IS NOT a request for verification. I request for the immediate block and expungement under guidelines ( 605b 15 usc 1681c 2 ) upon this notification and that receipt of this demand be sent to my personal email XXXX Due to the constant malicious breach of my personal identity, i will be using the government agencies CFPB and the FTC affidavits attached as verification of identity because a copy of my drivers license was part of the data breach. I do not wish to have comments and or fraud alerts added to my account as they discourage creditors from extending credit
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE FOR THE YEAR 2009 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE THIS IS NOT A DUPLICATE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that the following companies ran unauthorized credit inquiry on me.. They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, TNXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Student loan

Mohela has been absolutely terrible since it became my loan provider : -It recently put me into forbearance for a month because it was unable to account for the increased volume of customers and sent out my bill late. 

-It does not provide access to the PSLF employment certification form on its website, but instead makes sends users through several different websites trying to find the form. I eventually gave up and instead just searched for the form directly through XXXX, finding it quickly on the Department of Education 's website. 

-Mohela also has inconsistent qualifying payment tracking for each of my loans, which is incorrect, given my steady employment history. This is setting me up to fail when I soon become eligible for loan forgiveness. 

Mohela 's incompetence is a complete waste of taxpayer dollars, given the contract that it received to serve as a loan provider.
Product: Credit reporting or other personal consumer reports

It says I opened this account with XXXX XXXX in XXXX of XXXX  but that's impossible I was incarcerated at that time there's no way I could have
Product: Credit card or prepaid card

Last time when I forwarded a complaint to CFPB regarding Bank of the west or BOTW, BOTW took exactly 60 days to respond to my concerns, so this time I want to give them  a heads up in the beginning. 

I filed two disputed on XX/XX/2020 and I have proof of that, one charge was from XXXX   XXXX  for {$120.00} ( dispute amount ) and the other one {$3.00} I am just letting BOTW know about this through this platform, so later they don't come up and say that they didn't receive the disputes from me. 

Because they can come up and say anything. 

I am also attaching the emails I received on XX/XX/2020 from BOTW regarding my disputes.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint so that this agency can not later claim ignorance of my dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX SERVICES # XXXX UNAUTHORIZED INQUIRIES : XXXX OF XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX CARD XX/XX/year>
Product: Credit card or prepaid card

I have not applied for a comenity card. I had fraudulent international charges on this account. I have asked for the charges to be removed-XXXX times in writing. They removed the charges then charged me a late fee. I paid the late fee because I did not want to ruin my credit. Now I get a bill today for {$160.00}. They reinstated the fraudulent charges. They do not answer their phones and they do not respond to my letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my inquiries it says from dark web. The phone number shown isn't mine, not my license number it was on XX/XX/2022. Also I I have XXXX XXXX and capital one Inquiries that Are long my Credit go down. I do have them cards, but its just now recently posting to my inquiries that I have a new account and its showing up multiple times which dropped my XXXX XXXX down a lot.
Product: Credit reporting or other personal consumer reports

Illegally ran my credit and refuse to answer the phone and when do get through they hang up
Product: Payday loan, title loan, personal loan, or advance loan

Company had a class action law suite against them a settlement Racketeering influence and corrupt organizations act I never received information
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX XXXXand notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$810.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX