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

XXXX XXXX, SSN ( XXXX ), ( XX/XX/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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and a personal loan account opened with XXXX on XX/XX/XXXX, under the account number ( XXXX ). A account with XXXX XXXX XXXX opened XXXX XXXX under account number ( XXXX ) Collection accounts with XXXX XXXX XXXX opened XX/XX/XXXX under account number ( XXXX a rental lease with XXXX XXXX XXXX opened XX/XX/XXXX, under account number ( XXXX ) and XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Debt collection

Subject : Formal Debt Validation, Cease-and-Desist Request, and Credit Bureau Reporting Removal To Whom It May Concern, I am writing to formally request validation of a debt that your company claims I owe for XXXX services in the XXXX of {$220.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request comprehensive validation of this alleged debt. 

Request for Debt Validation Under Section 809 ( b ) of the FDCPA, I am requesting that you provide : Proof that IC Systems is legally authorized to collect this debt : Including documentation of the original creditor 's ownership of the debt and any assignment or transfer of the debt to your company. 

Complete accounting of the debt : A detailed breakdown of how the amount of {$220.00} was calculated, including all fees, interest, and other charges. 

Proof of the original creditor 's agreement : Including a copy of any agreement or contract bearing my signature, as well as a full transaction history from XXXX. 

Cease-and-Desist Request Under 15 U.S.C. 1692c ( c ), I also request that IC Systems immediately cease all communications with me regarding this matter, except to provide the requested validation information or notify me of specific actions such as the termination of collection efforts. Continued communication outside these parameters will constitute a violation of the FDCPA. 

Request for Deletion of Credit Bureau Reporting Additionally, if you are unable to fully validate this debt as required by law, I request that any and all information regarding this alleged debt that has been reported to any of the credit reporting agencies ( XXXX, XXXX, XXXX ) be immediately deleted. This request is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that debt collectors only report accurate and fully validated information to credit bureaus. 

If this debt can not be properly validated within 30 days, I expect immediate cessation of collection efforts, removal of all related information from my credit reports, and full compliance with the FCRA and FDCPA. Failure to do so may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Texas Attorney Generals office, and potentially pursuing legal action to recover damages for violations of my rights under both state and federal law. 

I trust that your company will address this matter promptly and in accordance with the law. Thank you for your attention to this issue, and I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

These accounts are not mine please remove immediately! 
-XXXX XXXX {$730.00} Opened - XX/XX/XXXX -XXXX XXXX XXXX XXXX {$5200.00} Opened - XX/XX/XXXX -XXXX XXXX  XXXX XXXX {$24000.00} Opened - XX/XX/XXXX I never lived at this address please delete immediately! 
XXXX XXXX XXXX XXXX XXXX, IL XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 list IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

1-In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

2-In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

3-In accordance with the Fair Credit Reporting act XXXX Account # 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

Please delete these unauthorized inquiries off my credit report. I dont understand how these got on my report. This is unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T XXXX XXXX is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, BB & T XXXX XXXX made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with BB & T XXXX XXXX as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.
Product: Student loan

I set up reduced payments with Navient in XXXX 2017 because I could not afford the monthly payments. I was told to select a date I wanted payments and they would auto draft. I selected the XXXX of each month. My regular payment due date was the XXXX, and I was advised that my due date would be adjusted automatically to reflect the XXXX after 3 months of on time and successful auto-drafted payments on the XXXX. This was after I called in about 2 months into making these auto payments to question why it was n't reflected. It is now XXXX, and my due date has not been corrected. I called today to try to resolve that as well as update the bank account information for my auto payments. I was transferred 4 times, with each associate telling me they could n't make those updates, only someone in another department ( the one I just spoke with ) could do it. On the last call, the associate answered and then never spoke- literally sitting in silence on the line. I waited because I could hear them making some noise as if they were reading out loud, so I assumed she was reviewing the comments. Then suddenly I was going through an automated prompt to rate the call and customer service. Well, all of the calls and customer service was rated the lowest possible. After speaking with multiple representatives, no one helped, kept passing me back and forth to departments with long hold times, and in the end, they dropped my call. One of the associates did indicate that because my payments were coming in after my due date, I was probably being assessed a late fee ( which after review I see the 2 late fees I was charged had been refunded, so they were again wrong ) and that she would put in the request to change my due date but it would n't reflect on my account until after this month, so once again I will appear to be late. And if this is n't processed, I will have to wait another month to see the change. I was transferred after that and did not receive any confirmation of this change request being processed, and because it took almost a half hour to make no progress, I did not call back. I also was unable to update my payment information- they are making it needlessly complicated to manage this account and my repayment.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Restricted Online Access to My Equifax Credit Report To Whom It May Concern, I am writing to formally dispute the restriction on my ability to access my Equifax credit report online. I am entitled to full access to my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which ensures consumers the right to obtain and review their credit information at any time. 

Despite having seamless access to my XXXX and XXXX credit reports, Equifax is the only credit bureau preventing me from accessing my own credit report. 

This is an unjust restriction that is hindering my ability to monitor my credit and ensure its accuracy and compliance with federal law. 

I am formally requesting the following actions : Immediate removal of any block or restriction on my online access to my Equifax credit report. 

A written explanation for the reason behind this restriction. 

Assurance that my ability to access my credit report in the future will not be arbitrarily or unlawfully obstructed.

Under FCRA guidelines, Equifax is required to provide accurate, fair, and timely access to consumer credit information. Failure to grant me access to my own credit report is not only a violation of these guidelines but also an impediment to my ability to dispute inaccuracies, detect potential fraud, or monitor my financial well-being.

If this issue is not resolved within the legally mandated 30-day dispute period, I will be compelled to escalate this matter further with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities to ensure compliance with federal law.

I look forward to your prompt resolution of this matter and confirmation that I can now access my credit report without restriction. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

XXXX exhausted ALL the funds and money from my student loans and finally administratively withdrew me from the XXXX program offering me the option to re-enroll in a XXXX program. 
With research investigation since XX/XX/2012, I learned that they as a for-profit entity, practiced unlawfully without trained staff, professors, and mentors in the XXXX field. This explains their inability to accurately mentor, responsibly process research reviews, and instead constantly had me retake unnecessary courses until all my funds were exhausted and now I am left without a degree and a XXXX student loans.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX & XXXX XXXX XXXX and selling e-books since 2021. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i contacted XXXX about the fraudulent activity on my report and the XX/XX/year> they responded by stating they investigated the matter which was not done according to the codes, which is to reach out to the original creditor and not the debt buyer which was what XXXX did, the debt buyer must show the forward flow agreement, and where i had where they had signed my wet signature. The debt buyer does not have first hand knowledge so therefore the alleged debt is deemed invalid. XXXX did not provide me with the evidence information on the XXXX through XXXX XXXX to the company in question, which is required by law. I want to know how XXXX communicated with the company. I need all above mentioned information in order to accept their determination.
Product: Credit card or prepaid card

I applied for a synchrony bank care card in XX/XX/2019 when my credit was in a not so great place, I believe my credit score was around XXXX at the time. They approved me and ever since then Ive use that card of the month to month basis always paying my payments on time including paying it off a couple of times, never once being truly late. On XX/XX/XXXX they closed the account with giving no prior notice of that change in terms, I believe breaking at least one lending regulation. When I asked they stated that it had to do with periodic credit checks but my credit is a little better than it was when they gave me the card which seems a little deceptive. I believe they are using deceptive practices to minimize what they feel may be a risk after accounts are already opened by them. Please look into Synchrony Bank and their practices
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
EQUIFAX has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

False report on equifax. Stopping me from moving in to new apartment. Already put my 30 day notice in. Need cleared now. Have letter proving balance is not mine from XXXX. Mailed to Equifax. Called CFPB filed full complaint already. Gave full details to a wonderful person who helped me. Complaint number is XXXX. Need immediate resolution described in phone conversation with consumer financial assistant. I only came here to upload the document from XXXX that I mailed Equifax. Expecting Equifax to onsite renters and straighten it out. My confirmation number with Equifax is XXXX. I expect a quick resolution, I am moving end of XXXX I already spoke to Equifax and filed a complaint and dispute.
Product: Mortgage

I have two mortgage accounts with this company and previously submitted a complaint on one account and am having the same issue with this second account. I purchased this property XX/XX/XXXX, and the mortgage was sold to Select Portfolio Servicing, Inc ( SPS ) in XX/XX/XXXX. In XX/XX/XXXX a structural engineer determined that the building located on the property ( there are XXXX lots for the building which is why XXXX mortgage accounts were required ) was structurally unsafe and required demolition. Following relocation of the building tenants in XX/XX/XXXX, the building was demolished in XX/XX/XXXX and the lot has remained empty with no structures. I notified SPS in XX/XX/XXXX that I was not renewing the hazard insurance or flood insurance policy on the property due to the fact that there is no longer any building or other structure on the empty lot. I electronically sent documentation XX/XX/XXXX with the Certification of Completion of demolition by the city for further proof that there is no longer any building. I continued to receive notice that SPS would purchase hazard insurance so I called the company again in early XXXX, and I was told that they had received my information and would make a note that there is no longer a building on the lot. In late XX/XX/XXXX I again received a notice of intent to purchase insurance, so I sent a certified letter that again included documentation proving there is no building on the lot. Today I received a letter dated XX/XX/XXXX stating that hazard insurance has been purchased and my escrow account will be charged the amount of the insurance. I feel the company is committing fraud by purchasing a hazard insurance policy on a building that does not exist and requiring me to cover the cost of that purchase. Given the multiple times that I have communicated to them that there is no building on the lot, they can not claim that this is a simple error or that they were not aware of the lack of a structure.
Product: Debt collection

Car accident witch the other driver was at fault and company wanted medical insurance information which was provided but it wasnt resolved ... so I was stuck with a bill that I didnt know I had until the phone calls
Product: Mortgage

I submitted a request to Mr. Cooper to remove my hazard insurance from escrow account. I received response from Mr. Cooper denying my request. According to letter I received dated XX/XX/XXXX, they are saying reason my request was denied because of late mortgage payments between XX/XX/XXXX and XX/XX/XXXX. THIS IS NOT TRUE. I WAS NEVER LATE WITH ANY MORTGAGE PAYMENTS SINCE BUYING MY HOUSE IN XX/XX/XXXX. During this time period XX/XX/XXXX to XX/XX/XXXX I was under trial period mortgage payments which was a reduced amount  payment. This was a PREREQUISITE FOR QUALIFYING FOR A LOAN MODIFICATION. I was told by the mortgage specialist that this trial period payment " WOULD NOT HAVE A NEGATIVE IMPACT TO MY REGULAR MORTGAGE PAYMENT ''. Because of the problems I am currently experiencing and difficult time I am having to resolve them, the information told to me from the mortgage specialist was NOT CORRECT. I submitted complaint to CFPB ( XXXX ) explaining problems I am currently going through as result of my hazard insurance being added back to escrow. This was added with no communication to me. Since I never approved loan modification and loan modification was rejected hazard insurance should never been added to escrow. Because of incorrect reporting of me being late in mortgage payments, is preventing them to fix my escrow account. All my trial period payments from XX/XX/XXXX to XX/XX/XXXX were paid on time.
Product: Debt collection

These XXXX party debt collectors/interlopers and Altisource are attempting to steal my property even though this " debt '' was lawfully discharged in a Chapter XXXX in XXXX. I listed the debt as unsecured/disputed which was never challenged by these XXXX party debt collectors. The new " bank '' that is now saying that they have standing to do this did not try and lift the stay, nor did they file any kind of proof of claim. 
The bankruptcy was lawfully discharged and listed this new bank as being fully discharged. These interlopers did not prove that they are the holder in due course, nor did they have anything filed such as an assignment in the court records in XXXX XXXX XXXX until XXXX. They filed that assignment within days after I filed a Quiet Title action against them in XXXX XXXX XXXX, these documents ( an assignment and substitution of trustee ) were back dated to XXXX XXXX. 
These XXXX party debt collectors have been harassing me and attempting to seize my property without any proof of having the authority to do so since XXXX. They have attempted to sell my home on XXXX different occasions. They held an unlawful administrative auction on my property on XXXX XXXX XXXX and unlawfully foreclosed. This was done despite the fact that there were XXXX lis pendens filed on the property and there was active litigation with a Petition for Rehear in the Virginia Supreme Court. The " bank '' then e-filed a Trustee Deed stating they " paid '' {$490000.00} but they simply made a book entry and never paid any lawful money. 
I have asked NUMEROUS times for the full account loan data from the original lender in numerous QWR 's and other correspondence, they have refused to provide this information because they do n't have it. I have received numerous threats, the last one was sent as a Notice of Demand For Possession. In this UNSIGNED threat letter, they state they will start eviction proceedings if I do not vacate the property within 10 days. This letter was UNSIGNED and dated the XXXX XXXX XXXX. I have made a formal complaint with the postal service that this is harassment sent through the XXXX. I also plan to make a police report with copies to the XXXX 's office as well. I sent these XXXX party debt collectors an affidavit for them to sign to show they are doing this lawfully - they have not responded. 
Again, I have asked time and time again for account loan data from original lender and the debt collector refused yet they are continuing to threaten to steal my property. They have also enlisted this company Altisource that has been on my property causing further injury to me and my family. Altisource has called me numerous times and has called relatives and discussed with them our private business, these relatives were as far away as Florida. This is harassment and needs to CEASE AND DESIST until these debt collectors/interlopers can prove they have the authority to foreclose on a unsecured/disputed debt that has been lawfully discharged in Chapter XXXX without any proof of claim otherwise filed.
Product: Credit card or prepaid card

XX/XX/2023 I was charged 4 times in the amount of {$99.00} to XXXX on the same day. I emailed the corporate representative at Discover to resolve this and received no response. 
I would like an explanation of why I was charged 4 times in 1 day for the same amount.