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

I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, an account opened at XXXX XXXX on XXXX under the XXXX account, and an account opened at XXXX on XXXX under the XXXX account number. Unauthorized inquiries, XXXX, XXXX XXXX, XXXX of XXXX. These accounts have resulted in several fraudulent late payments, charge-offs, inquiries, and fraudulent collections appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 
Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

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. 
Everything has to be 100 % accurate on my credit report. 
Account name : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX etc., XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 information is inaccurate.
Product: Debt collection

First, I have never lived on XXXX Secondly, Im aware that the bankruptcy court case can be on my credit for XXXX years but the debts are to be removed after the discharge ( Flagship is the only case that refuses to remove ) I had over XXXX cases totaling over {$450000.00} and every company/bills was removed ) This is a NON COLLECTABLE DEBT This started in XXXX In the XXXX XXXX XXXX only allows XXXX years to collect But in XXXX I filed a XXXX XXXX bankruptcy and it was fully discharged Debts can only remain for XXXX  years on a persons credit report. Its been XXXX years and XXXX  months Lastly, I feel that this company is being FULLY UNFAIR and very spiteful towards me by not removing it. What benefit of this is helping your company? Its not helping you at all! 
Therefore remove it. According to the FCRA it will be removed. 
And according to the XXXX Bankruptcy Court after a discharge, debts will be removed off of all XXXX credit reports due to me not being liable for the debt anymore. 

So with all that being said and Im also stating facts..why will this company not remove it?

Being spiteful towards me after a bankruptcy!

If the State Law and Federal Law means nothing to this company then I should seek damages
Product: Debt collection

They dare saying I owe XXXX out of nowhere from a place I dont live the credit is XXXX XXXX and out XXXX XXXX this debt is not mine someone used my info I live at if I sent
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. 
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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I discovered an account on my credit report from XXXX XXXX XXXX for an alleged XXXX debt of {$12000.00} that I do not recognize and have no recollection of opening. 
On XX/XX/year>, I sent a debt validation letter to XXXX XXXX XXXX via certified mail ( tracking # [ XXXX XXXX XXXX ] ), which was delivered to their XXXX, XXXX  office the same day. Under the Fair Debt Collection Practices Act ( FDCPA ), they were required to validate this debt within 30 days but failed to respond with any validation documents. 
After receiving no response for 30 days, I filed a dispute with TransUnion. On [ date of TransUnion response ], TransUnion responded that they " VERIFIED AS ACCURATE '' the disputed information, despite the fact that XXXX never validated the debt to me as required by law. TransUnion also stated they updated " Date Updated; Remarks ; Rating ; Historical Trended Data '' but did not remove the unvalidated debt. 
I believe both companies have violated federal law : XXXX XXXX XXXX violated the FDCPA by continuing to report a debt they failed to validate TransUnion violated the FCRA by failing to conduct a reasonable investigation of my dispute I have never received any documentation showing I opened this account with XXXX. I have no knowledge of this debt and believe TransUnion failed to require proper documentation before verifying this information.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had the worst experience with the sales manager, XXXX XXXX from Secure One Capital Corp. I called him on XXXX to get a {$50000.00} loan on my rental. I told him I needed to get a fast loan because I needed to pay at least {$28000.00} worth of debt. He said he could close my loan in 10 days ( it even says it on his email. ) The timing was critical. He said he could close it before XXXX. He talked me into getting an FHA loan and refinancing my current home ( which was 3 times that amount ). I agreed. On XXXX, he said we were almost clear to close. The next day, XXXX he told me I could n't do an FHA loan, and we had to go conventional, and I could only get {$21000.00} cash out. I was not happy, but he said he could close it right away. I needed the cash fast, so I agreed. I signed loan docs on XXXX. After my 3 day rescission was over, I contacted him asking if we were funding and closing. That date should of been XXXX. He started asking me questions on my rental property and other questions he could of asked weeks prior. He also asked me about inquiries on my credit report which he pulled on XXXX. After making me jump through hoops to get the loan closed, he informs me I could only get {$6900.00} in cash. That was on XXXX. Almost a whole month had gone by, he was asking me questions I should of been asked in the beginning. Needless to say, he does not know his job very well, and should n't be doing home loans. I ca n't express the stress he put me under and how he never called me, just emailed me. Had me sign. Lead me to believe my loan was closing. I could n't go through with the loan because it was n't enough money. I had to go to a hard money lender and get a fast bridge loan, and pay high points because oh him. He did n't even offer to pay me back for my appraisal of {$550.00} for screwing up so bad. It was his lack of knowledge that put me in such a bad situation. It became a hardship. His company should be paying me back my appraisal of {$550.00}, plus the points I had to pay on a hard money loan. He also never told me that I would have to pay 3 % in points for {$7000.00} until I received my settlement statement on XXXX. It was too late for me to back out because timing was critical.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with Valley Bank in-branch in XXXX, Florida. During the account opening, I presented a promotional code for an advertised promotion including a {$400.00} signup bonus upon the completion of the outlined terms. I signed all applicable documents and received copies of the promotion, terms and opening documents. 

Outlined in the promotional terms was a requirement " To receive the {$400.00} reward, the account must receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within the first 90 days from the date of account opening ''. 

On XX/XX/XXXX I received my first direct deposit of my paycheck in the amount of {$4000.00} and my second on XX/XX/XXXX in the same amount of {$4000.00}. 

On XX/XX/XXXX I received a paper letter addressed from the branch manager, where I opened the account, detailing that the account would be closed on XX/XX/XXXX. The reason given was that my XXXX report was pulled and they would not continue a banking relationship. 

On XX/XX/XXXX, my account was closed and a check for my remaining balance was mailed to me. 

My account was approved and my XXXX pulled on the day of account opening in-branch, they pulled my report again around 44 days later and made a decision to close the account. 

I was informed by someone at Valley XXXX, that a decision was made sometime close to XX/XX/XXXX to deny all applications if the bonus code was applied but the applicant had more than XXXX XXXX inquiries in the last XXXX months. So, Valley pulled my XXXX the 2nd time and closed the account. This new requirement was applied retroactively to my account, which seems unfair and deceptive I met all of the terms outlined in what I signed. I am requesting that Valley Bank honor the original terms of the promotion and provide the {$400.00} bonus as promised.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 



DEPT OF EDUCATIONXXXX # XXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX # XXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX  # XXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX  # XXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX  # XXXX -- Date opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed an item on my report over 3 times with transunion and they are not providing me with the proper investigation when I ask them how did they verify this item. There is an item on my report that says it was including in bankruptcy and reporting inaccurately, I explained to them I have never filed bankruptcy and this information is not accurate. They just come back and say that it is accurate ur will not show me the steps they took to reassure the accuracy of this account.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 , has violated my rights.

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.
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to lodge a formal complaint against Higher Education Servicing Corporation ( HESC ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score.

HESC has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with HESC on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. HESC corrects the inaccurate reporting of my payment history immediately.

2. HESC is held accountable for the mismanagement and incorrect furnishing of consumer credit information.

3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNRECOGNIZABLE & UNAUTHORIZED INQUIRIES XXXX XXXXXXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed some things are incomplete and not accurate and according to the fair reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates this account. XXXX XXXX ACCOUNT XXXX is not complete and is not accurate. ACCOUNT OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS IS NOT ACCURATE. 

XXXX XXXX ACCOUNT NUMBER XXXX Is not accurate. 
XXXX XXXX  ACCOUNT NUMBER XXXX Is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$880.00}, {$970.00} and XXXX. 
I challenge the accuracy, compliance and reportability of these listings. 

There are no contract, no valid claim ... accounts were settled with original creditors by insurance provider, and I have confirmed this with insurance ( XXXX XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt TWICE! It is unlawful. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Credit card or prepaid card

I canceled the Amex card in XXXX of 2022 and paid off the balance of {$27000.00}. They continued to send me bills for reoccurring charges and late fees. I have tried to handle in a professional manor with the directly and continue to get run around.
Product: Debt collection

I was shopping for vehicles and upon checking my credit I discovered this account on my credit report. I have sent two dispute letter and have yet to get a response from the company. Also the address on file for this company on my credit report mail came back as undeliverable. The first letter I sent was XXXX XXXX to an incorrect address listed on my credit report and it has since been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with XXXX, XXXX & Trans Union to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status. 
I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!