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

I seen accounts on my credit profile and it is a violation of my rights FCRA XXXX ( 15 U.S.C. 1681c-2 ) ( a ) XXXX. Except as otherwise provided in this section, 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 XXXX I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( XXXX ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to XXXX years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( XXXX ) civil liability, and I demand compensation for every violation listed below ; XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} XXXX Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} XXXX Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9500.00} ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I am experiencing difficulty paying my mortgage as part of my loss of employment during COVID Pandemic. I have a FHA mortgage and this is my first home. I have been overwhelmed by phone calls, text msgs, notes in my mailbox as well as a person coming on to my property to take pictures. I feel harassed by people who want to purchase my home and who know I am having mortgage challenges. 

I have reason to believe that my mortgage banker M and T Bank representatives are sharing my private information with people who want to exploit and take advantage of my mortgage problem. All these attempts are to buy my home. This information is not public. There is no other way for these people to know without this information given to them from my bank. 

I am being harassed. Please help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

I recently submitted a claim about Transworld trying to collect a debt from me that I do not owe and knew nothing about. The case was closed without a response from me. The information Transworld showed to CFPB is the same information I have already received. My complaint with them is that they are not investigating my dispute but instead saying that I owe. I also reached out to XXXX to receive information but they said because this alleged bill is old and the information has been archived. I am asking Transworld what I for do they have of mines to say that this is my bill. They can not give me any information of when was this account established and how was it open. What information was submitted to establish service. A deed or lease? I dont want to be responsible for something that dont belong to me. I will also provide information on where I live at during this service date according to the invoice they are providing.
Product: Debt collection

n reference to Complaint ID : XXXX Original issue : LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. LVNV filed a judgement against me Case # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract. 

In the reply from LVNV states that there was no contact from me until my current dispute. This is not true what-so-ever. I sent a letter requesting proof of ownership of the so-called account, which they did not respond to ( sent via email & USPS ). I again reached out and asked for the above-mentioned information an again was ignored. 

I called LNVN after I was summoned to court ( XXXX ) and the spokesperson stated I could claim hardship after I sent a letter to them which I decided to do since I just wanted this to go away. It was my impression that this would then be removed from my credit report, the thought being as long as it has been removed, I don't care how. I do indeed have financial hardship and was able to honestly send a letter stating so with supporting documentation. 

I was instructed by the spokesperson at XXXX XXXX XXXX ( LVNV 's attorney ) that they have filed to the court to dismiss the summons due to financial hardship and that upcoming court appearance would be canceled. I trusted them and now after reviewing again see this was not true whatsoever. 

I am a hardworking, honest person that puts my trust in other people ( organizations ) to  do the right thing but apparently, I am to gullible to think that way. 

Being lied to about something concerning court hearings, etc. is beyond my comprehension. 

I called back as a follow up in regards to the dismal and removal from credit report and was again told everything is fine. I asked for copies of the documents filed with the court but never received anything. 

I also have NEVER received appropriate documentation with my signature stating this is truly my account owned by so-mentioned company. Who is to say another collection agency won't try the same thing using the same information not verified by any legal documentation.
Product: Checking or savings account

I opened an accelerated savings account at Citibank last summer. On XX/XX/XXXX Citi, without my knowledge and approval, withdrew all my principal and earned interest ( 0.5 % yearly ) and kept it all to itself ignoring my requests which started in early XX/XX/XXXX when I read my monthly statement and noticed this withdrawal. Finally, following CFPB inquires at my request, Citi used XXXX XXXX XXXX XXXX  on XX/XX/XXXX to send a check to me for the amount they withdrew on XX/XX/XXXX, ignoring the fact that they owe interest to me from that date ( XX/XX/XXXX ) to the date they decided to mail the money back to me ( XX/XX/XXXX ). It is a shame that a national bank such as Citi plays these little tricks on people trying to save relatively small amounts with them. They know very well they needed to return the money and delayed the return until I found the support of the CFPB and only after the CFPB asked them. Citi knows very well who I am because for years I have used one of their credit card as my primary one and never I have had any problems with my ID, payments and credit union account that I also use to open and feed the infamous Citi savings account I opened with them last summer. It was a series of mistakes Citi employees made that caused this problem and I, the client, paid the consequences so far. I would appreciate your help to get what is mine, the interest ( 0.5 % yearly ) not paid by Citi while they kept my money from XX/XX/XXXX to XX/XX/XXXX. Thank you.
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 consume rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX  # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Transunion XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 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: Student loan

I 've made almost {$11000.00} in payments since consolidating my loans in XX/XX/XXXX, but my principal balance has n't been reduced. Mysteriously, all of my monthly payments were applied to interest over the last 17 months until last month, when just {$35.00} was applied to principal. <P/>My payment amount has remained the same ; my interest rate has remained the same. Nothing has changed since I began repayments on my loan in XX/XX/XXXX, except having consolidated my loans in XX/XX/XXXX. <P/>I 've gotten no response from Great Lakes Higher Education Corp. in Wisconsin, my student loan servicer, as to why no portion of my payments reduced the principal balance of my loan. I have an extended graduated repayment plan, but a simple amortization schedule calculation indicates my monthly interest payment should have been at most {$30.00} less than my monthly payment amount. This means the servicer has failed to apply principal portions of my payment for all but the last month 's payment. I calculate just more than {$580.00} in principal that has been applied instead to interest, just on my consolidated loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to fixed immediately : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, CommonWealth Financial Systems reported Four ( 4 ) new collection to the Credit Bureau 's at the amount of {$61.00}, {$1500.00},  {$110.00} and {$70.00}. 

CommonWealth is not valid to collect in the state of Florida and it also shows that company license is revoked /voided. 

I am requesting company to stop reporting to the Credit Bureau 's and also to remove/delete what have been reported. 

Collection Agency CommonWealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items need to be removed and blocked as they are fraudulent. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2007
Product: Credit reporting or other personal consumer reports

I had XXXX hard inquiries hit my credit report.on XX/XX/year> that wasnt made by me. Please help me remove them being a victim of fraud. 

XXXX. XXXX XXXX - XX/XX/year> Institution : XXXX XXXX XXXX Account Type : All Banks XXXX. XXXX Name : SYNCB/LOWES - XX/XX/year> / Transunion Phone : ( XXXX ) XXXX Industry Type : XXXX XXXX XXXX, XXXX, Pa XXXX XXXX. Reported By : XXXX XXXX XXXX XXXX XXXX / Experian Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account Type : Credit Bureau XXXX. XXXX Name : SYNCB/SAMSBR XXXX / Transunion Phone : ( XXXX XXXX XXXX Industry Type : Variety Store Subsciber Address : XXXX XXXX XXXX XXXX, PA XXXX
Product: Money transfer, virtual currency, or money service

I use Gemini.com to buy cryptocurrencies. I placed a limit buy for bitcoin. When I go to cancel the limit buys, like I usually do or did, it says I can not and says this : The provided account is restricted and can not perform this action. 

This is unacceptable, I do not want to buy more crypto. I need to cancel these orders and Gemini won't let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$820.00}, {$0.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX  XXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

XXXX. XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

I went to XXXX and I have a small federal loan that I can manage each month ( {$65.00} ) I also was duped into private loans and when I called XXXX XXXX they said " we have options do not stress go to school. '' I moved out of state had a hard time with jobs and filed chapter XXXX. My attorney was an idiot and kept dragging his feet and because of this I defaulted and he would n't file other paperwork for me. Someone please tell me how I will pay off XXXX on XXXX a year. This is n't a joke nor did this need to happen. Some people really need help and need this removed in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you 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 Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have had " Fidelity '' credit cards with Elan/US Bank for XXXX. On XX/XX/XXXX I reported significant fraud to Elan. On XX/XX/XXXX, I received a replacement card via overnight delivery. When I tried to activate the card, I was unable to do so. When I called Elan, I was told that I was deceased. I was told that " public records '' indicate that I am deceased. They told me that in order to verify that I was not deceased, I need to have XXXX fax them a letter indicating that I am alive. On XX/XX/XXXX, I went to the SSA office and obtained a physical letter indicating that I am not deceased. SSA is not permitted to fax letters or any personal information to third parties. Elan had given me an email address and I sent the letter to them that same day ( XXXX ) Apparently that is not a valid email address. On XX/XX/XXXX, a representative from my local Fidelity office, reached out unsuccessfully to correct the matter. I was out of the country over the past week and did not have any problem with my passport or XXXX XXXX designation. Prior to leaving the country, I checked my credit reports, which did not indicate that I was deceased, and froze them to prevent further financial fraud. Upon returning from vacation, on XX/XX/XXXX, I spoke with Elan because the matter has not yet been resolved. I was told that a second check had been made of " public records '' and that I was deceased and that the record included my SS #. I was told that they are not permitted to provide me with the identity of the public record ( death certificate and jurisdication?? ) so there is no way for me to correct this information. On XX/XX/XXXX, I faxed the SSA letter, that I had previously emailed, to Elan. I also went to a Fidelity office, and they verified my identity using PA license, passport and XXXX XXXX XXXX. They also have a computer system to more securely verify my identity via a reading of my driver 's license. Fidelity sent a fax to Elan indicating that I am alive. I called Elan a 2nd time on XX/XX/XXXX, and I was told there is nothing they could do to help me with the incorrect information. On XX/XX/XXXX, I also spoke with representatives of XXXX Identityworks. They could not find any information indicating that I am deceased. It seems clear to me that the fraudulent financial charges I identified on XX/XX/XXXX are related to the identity fraud ( death ) that was reported by XX/XX/XXXX. It also seems to me that as a victim of identity fraud, I should be entitled to the source of the incorrect information so that I can correct it.

I have been dealing with the Deceased Support Department of Elan ( XXXX XXXX XXXX ). I am not permitted to see any of the transactions that have occurred on my account. While this fraud involves credit cards, I am more afraid that this incorrect information will be used to steal from my investment accounts and that it is imperative that the public information be corrected.