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

I wanted to freeze my credit at the 3 government approved agencies : https : //www.identitytheft.gov/ # /CreditBureauContacts To do this, I have to manually request that each company freeze my report. 

XXXX and XXXX let me freeze my credit report. 

Experian failed to freeze my credit report and my identity is compromised. 
Experian has failed to meet : TITLE III -- PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS ( Sec. 301 ) The bill amends the Fair Credit Reporting Act to increase the length of time a consumer reporting agency must include a fraud alert in a consumer 's file. It also : ( 1 ) requires a consumer reporting agency to provide a consumer with free credit freezes and to notify a consumer of their availability, ( 2 ) establishes provisions related to the placement and removal of these freezes, ( 3 ) creates requirements related to the protection of the credit records of minors. 

https : //www.congress.gov/bill/115th-congress/senate-bill/2155
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans union 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 a personal auto loan opened with XXXX XXXX XXXX opened on XX/XX/year> with the account number XXXX. This account has resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard Inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

At the end of XX/XX/year>, I went to try and co-sign on a student loan with my son. I was denied. My report stated serious delinquency, and with some research it was with XXXX. In XXXX of XXXX I received a letter from XXXX stating that we had a balance of {$440.00} that had not been paid. I did not make these purchases nor had I received a statement show this balance. When we called to inquire about this, a lady by the name of XXXX, advised us to to a pay off of the amount of {$300.00}. This was with the understanding that this would put us in good standing with both XXXX and the Credit Bureaus. In fact, it did not do either and as stated above it harmed our credit. When calling XXXX we were told to call the credit bureau because they would be able to take it off our report. When I called Transunion, XXXX, and XXXX  they said it was up to XXXX I have been calling XXXX and Transunion pretty much daily getting the same run around. I would like someone to take charge and do what is right.
Product: Checking or savings account

On XX/XX/2023, I opened a new M & T Bank account online. I was given my new account number and was allowed to enroll in online banking. A few days later, I started to get emails saying my online banking was locked and my paperless statements had been turned off, and the debit card I received could not be activated. I could no longer log in online, and was directed to call a toll-free number at M & T, which I did. The person I spoke with, who was very rude, told me my account had been closed with no explanation. I asked why and he told me there was no information. I asked if a letter would be mailed and he said it would, but when I pressed for specifics about when a letter was/would be mailed he would not provide any further information. I have waited over 2 weeks for a letter explaining why this account was closed 4 days after I opened it, before I had made any activity on the account whatsoever, but I have not received any further info from M & T bank. if M & T Bank closed my account, they are legally obligated to tell me why it was closed, what information source they used to deny me opening an account, and tell me how I can get a copy of whatever consumer report they used to take adverse action against me.
Product: Debt collection

I have recently reviewed my credit report and would like to inform you of the inaccurate reporting on my credit file. I am requesting, under the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this matter be investigated. Capital accounts LLC in the amount of XXXX this is not mine.
Product: Student loan

I attended XXXX and received the following private loans from XXXX XXXX XXXX : Received {$10000.00} on XX/XX/XXXX Sent back ( {$2700.00} ) on XX/XX/XXXX Sent back ( {$5600.00} ) on XX/XX/XXXX Received {$1500.00} on XX/XX/XXXX Total- {$3300.00} ( plus fees ) I made payments to XXXX each month consistently until the balance said {$0.00} due. XXXX changed to XXXX, which changed to XXXX, which change to XXXX. There is now a company called XXXX which apparently owns the debt and they have hired Asset Recovery Solutions to collect. A total of SEVEN companies have been involved in this debt. 

I received several calls and letters from Asset Recovery and explained to them over the phone that the loan, as far as I knew, was paid in full. I explained several times to Asset Recovery that I needed a full accounting of this loan, starting with the original loan amount and a complete listing of each payment made. 

The burden of proof lies with Asset Recovery Solutions, not with me. They are telling me that I owe a balance of {$1700.00} however when making monthly payments on the XXXX and/or XXXX  website I paid until the balance said {$0.00}. This company has changed names FOUR times since my loan inception. 

Asset Recovery has failed to follow through with my request that I receive a full accounting of my account. Now, they are " offering '' to settle my account for 60 % of the original amount. They have completely ignored my request to send me a full accounting of what I originally owed and each payment made, probably because it is too much work for them. If they think I owe them money, then they must PROVE TO ME that I owe it. 

Further, I believe my credit score has been negatively impacted due to the actions of Asset Recover and I will make a demand upon them that they reverse their erroneous reporting of my account immediately to all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they adversely affecting my livelihood ) 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

I am repeatedly unable to access the TransUnion website to get to a credit bureau security freeze. I follow the instructions to reset my password, but a bug in the website prevents this from working.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$620.00} Account Name : XXXX  Account Number : XXXX {$56.00} has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate information on my credit report, which I brought to the attention of Equifax on XX/XX/XXXX. Despite the considerable time that has passed, Equifax has failed to respond or rectify the following discrepancies. I kindly request your intervention in addressing this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has inaccurately reported information for the XXXX XXXX XXXX XXXX. The original creditor for this account is XXXX XXXX XXXX XXXX not the company indicated by Equifax. The reported balance of {$3800.00} is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} Equifax has incorrectly reported data for the XXXX account. I am uncertain about the accuracy of the reported balance of {$4000.00}, as I do not recall owing such a high amount. The account is indicated as closed and charged-off, and therefore the Past Due amount should not be provided. I will address this matter directly with the creditor. In the meantime, I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The XXXX XXXX XXXX account listed on my Equifax credit report has never been late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} The XXXX account XXXX on my Equifax credit report has never been late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX XXXX XXXX XXXX  : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX XXXX account listed on my Equifax credit report has never been late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$400.00} XXXX XXXX  account indicated on my Equifax credit report has never been late. I kindly request Equifax to correct and update this inaccurate information accordingly.
Product: Credit card

I have never missed a payment until they chose to close my account during a state of emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX5 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Product: Credit reporting or other personal consumer reports

The following accounts on my credit report are not mine : XXXXXXXX XXXX XXXXXXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # XXXX
Product: Debt collection

Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of representations and warranties.

A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; XXXX continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the unauthorized inquiry below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiry below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( 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. Please delete the unauthorized inquiry listed below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Experian. Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>, Experian. Creditor Name : XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Experian.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute three accounts that are being reported on my credit report by TransUnion, which I do not recognize and believe to be inaccurate. Despite my attempts to resolve the issue directly with TransUnion, they have failed to properly investigate and correct the errors. Below are the details of the accounts in question 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA, nor have I authorized any purchases or transactions with this entity. The reported amount is incorrect and does not belong to me. 

I have attempted to resolve these issues by contacting TransUnion directly to dispute these accounts. However, TransUnion has failed to properly investigate the matter and has not provided a satisfactory resolution. I believe these accounts are either the result of identity theft or a mistake in TransUnions reporting process. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in resolving this issue by ensuring that TransUnion conducts a thorough investigation into these accounts. I also request that TransUnion remove the inaccurate accounts from my credit report, as they do not belong to me and are negatively affecting my credit score and financial standing. 

I also have a list of inquires that I have no clue about : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX. I do not have a contract with the collection agency, Jefferson Capital Systems , LLC, trying to collect the alleged debt and Jefferson Capital Systems , LLC did not provide me with the original contract as requested. The debt was paid by my insurance company years ago.
Product: Credit card or prepaid card

Discover Card was paid in full and then an interest rate popped up on a card with {$0.00} that was paid off. The company never alerted me of this or sent me a statement to alert me a payment was due. The account became delinquent and when i saw that, i immediately fixed the issue and paid the card.
Product: Credit reporting or other personal consumer reports

As a victim of trafficking, my personal information was misused without my consent. I request that these fraudulent accounts be investigated and removed from my credit report.I am requesting that you thoroughly investigate the above accounts and remove any fraudulent information from my credit report. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and appreciate your prompt attention to this matter. 
XXXX XXXX XXXXXXXX Balance {$130.00} XXXX XXXX Balance {$2500.00} XXXX  XXXX Balance {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$340.00}
Product: Money transfer, virtual currency, or money service

In XX/XX/year> my client sent me XXXX via Zelle to my XXXX federal account. My account closed with all my funds & nothing was said. At the time my account was closed I had XXXX in it. That was XXXX out of XXXX incidents that occurred via XXXX all my accounts were immediately closed. I lost XXXX because of zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX FLAGSHIP CREDIT ACCEPTANC Attn : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with FLAGSHIP CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FLAGSHIP CREDIT ACCEPTANC for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered several fraudulent accounts, that are hurting my credit score, these accounts are XXXX XXXX XXXXXXXX opened on XX/XX/XXXX with account number XXXX, XXXX XXXX XX/XX/XXXX with account number XXXX, XXXX XXXX XX/XX/XXXX with account number XXXX. Also I have found a fraudulent address, the address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. And I have also found a fraudulent hard inquiry XXXX XXXXXXXX. Please remove all this fraudulent information as this is not mine and is affecting my creditworthiness.
Product: Credit card or prepaid card

The CFPB refuses to monitor the Discover Bank. Discover is fraudulently billing me for {$15.00}. IPSO FACTO that CAN NOT be correct. We have issues never resolved but deemed closed by CFPB. The crux is this, if Discover is right and I owe {$71.00} on a dubious theft charge from XXXX, how is my balance {$15.00}? I never paid it and won't because it is an inaccurate bill, undelivered items proven by driver 's photograph and defective item. All three qualify as legal reason not to pay the bill. CFPB refuses to look at the facts that Discover can't lie their way out of. LOGICALLY Discover CAN NOT BE RIGHT! I OWE NOTHING!