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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692c ( c ) Account : XXXX XXXX  Acct # XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Account Name : XXXX Acct XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX Account Name : XXXX XXXX XXXX  Acct XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion 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 days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXX/XX/XXXX with a balance of {$2900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 AND # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have been charge {$4.00} almost every month showing prior fees/charges. 
I have been in this loan about 20 years. 
The excuses I got were were numerous and none made no sense. 
Im sure this is something they are doing to all mortgages They are simply junk fees.. 
Chase Bank is the lender. 
Thank youXXXX XXXX XXXX
Product: Mortgage

Bank of America and their cohorts will wrongfully auction off my home and property via Trustee 's Sale at public auction on XX/XX/XXXX at XXXX - and knowingly so. 
As no determination by an Appeals Specialist of the Bank of America Appeals Department has generated a written decision upon completion of an appeal review and the issueance of the Appeal Report of XX/XX/XXXX granting Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) to date and since recoding a Notice of Default ( NOD ) of XX/XX/XXXX publically beginning the foreclosure process, Bank of America has been engaging in dual tracking and stonewalling practices for years including, but not limited to, park and stall tactics designed to hold their customers indefinitely in limbo until separation from the mortgaged property occurs. 
To date, I have not been informed of any cancellation of Trustee 's Sale, NOD or the Notice of Trustee Sale ( NTS ) of XX/XX/XXXX by way of the recording of a Rescission withdrawing both the NOD and NTS. 
78 ) Vexatious Solicitation. 
79 ) Negligent Solicitation. 
80 ) Fraudulent Solicitation. 
81 ) Loss of consortium of real property. 
82 ) Loss of consortium of a private home. 
83 ) Civil Rights Violations ( right to exist freely and naturally without fear of retalliation ). 
All previously mentioned resolutions are desired and mandatory.
Product: Student loan

My student loans transferred to XXXX XXXX in 2023 ( a subsidiary of Nelnet ). I have these loans from my XXXX at XXXX XXXX and I have gone through a period of XXXX XXXX when I obtained my XXXX. The monthly statements I received from XXXX XXXX starting in XX/XX/year> have consistently noted I have XXXX payments remaining on the loan term. That number had not changed since I went into XXXX XXXX  with a prior loan servicer. However, with deferment ending, I received the statement dated XX/XX/year>. Without any notice or reason for the change, my statement has been adjusted to reflect that I now only have XXXX payments remaining. This would imply that the period of time I've been XXXX XXXX somehow counts down my term of the loan remaining. I have paid the interest that has accrued throughout my period of deferment so the principal balance is roughly the same as it was when I XXXX XXXX The payment now showing as due is {$310.00} which is almost double the amount I was paying prior to deferment. I have placed XXXX calls to XXXX over the past XXXX days, XXXX and XXXX respectively to ask why my terms remaining was suddenly cut in half. They have repeatedly stated that " things change '' without a logical or founded explanation as to why my term remaining was reduced. 

I understand the loan is mine to repay and I intend to do so, but under the remaining term as was originally agreed. I have expressed my frustration to this payment shock on the call and the XXXX representative said " they get that a lot '' but again, could not explain why the term of the loan remaining was adjusted down. I would like my account returned to the prior status of having XXXX payments remaining.
Product: Credit card or prepaid card

There is a credit card from synchrony bank that was opened over a year ago. I have notified the company that I did not opened this credit card and that I never knew about this credit card until I started getting bill about past due balances. 

I live a single life and unfortunately I have had many girls I meet stay over at my house. I have had many different girlfriends stay at my previous home and one of them could have opened credit cards in my name without me being aware. I pay all my bills on time and take my credit seriously. However, in this situation, I did not incur this debt and need your help in helping me resolve this with the bank.
Product: Student loan

I attended college from XXXX. I was not informed by the school that I needed to request private loans until after I already moved XXXX miles into the dorms. Over my XXXX  years I took out {$38000.00} in private student loans through XXXX XXXX. Shortly after they were transferred to XXXX. While with XXXX, I attended graduate school. While in graduate school, XXXX gladly put me in forbearance without truly explaining to me what that meant. After exhausting forbearance they forced me to start paying, even though I didn't even make enough money to pay my monthly bills already. Even on " interest only '' payments, I couldn't afford them. I asked for more affordable payments. They said they were the lowest they could be. 

I struggled. I worked XXXX jobs, I didnt sleep... I have paid {$550.00} a month for years. I have paid well over {$42000.00} to XXXX, but still somehow still owe {$52000.00} ... on my original {$38000.00} debt. 

Not only have I paid back what I borrowed, but I have paid more. XXXX has never been willing to help or work with me. If I needed forbearance they would charge me {$150.00} to put it in forbearance even though the forbearance was because I couldn't afford my payments that they wouldnt change. 

I have paid back my debt and now my debt has been transferred to Mohela where the same XXXX is going to happen. This is a perpetual debt hall that has NO WAY of ending. This is disgusting and all started because the government forced students to use their parents income even if their parents were not assisting with college which made them ineligible for federal aid. 

After years of paying, paying well over what I borrowed, I still owe more than {$14000.00} more than what I borrowed because of predatory lending, predatory interest, and taking advantage of XXXX XXXX XXXX who never received financial education. So my complaint is against XXXX XXXX, XXXX Mohela, and the XXXX XXXX XXXX
Product: Debt collection

Upon checking my credit report i noticed a debt collector trying to collect a debt that i have no knowledge of i have never signed a contract with them in person nor electronically neither any of there affiliates
Product: Debt collection

The accounts currently on my report are false a not mine they are not on the other bureaus and they need to be removed as soon as possible File number ( FTC ) other a. XXXX XXXX nor did the bureaus send proof that debt was mine, nor did they offer any correspondence. 

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Product: Checking or savings account

I did mobile deposit on the XX/XX/XXXX in the amount of {$280.00} to synovus bank... I thought maybe will be available no more than 3 business day... but not clear till the XXXX between this two weeks I have some overdraft..they changed me XXXX each transaction ... I don't feel fairly.. because they held my check so long...
Product: Credit card

I am writing to dispute a billing error in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account. The amount is inaccurate. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well.
Product: Checking or savings account

I made attempt to talk to this bank, fraudulent transaction, keep getting denied,
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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  The following inquiries were not and should not be reporting. 
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.

The accounts 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 : 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 ) ( 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.
Product: Debt collection

XXXX8 U.S.C. 1028, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers 10 prohibited acts, including : Producing or transferring false or unauthorized identification documents
Product: Credit card

My card was used to purchase an item out of State in XXXX XXXX, SC. I have never been to XXXX XXXX. The purchase amount was nearly {$1000.00} l filed a police report and despite the money was not refunded to my account. I also filed a complaint with CFPD previously and received no follow up calls or information. The phone number provided to contact company, XXXX is disconnected
Product: Credit reporting or other personal consumer reports

My credit score dropped by XXXX points on XXXX on transunion, while it improved on XXXX  and fico, as Ive improved my credit utilization. Transunion told me they cant find any reason why they dropped it, and they didnt know why. I was given no other explanation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and new southern loans are showing the incorrect balance and incorrect number of past due payments on my accounts through XXXX. I am sure I am caught up by now on both accounts but they show like XXXX or more payments past due when that is not true.
Product: Checking or savings account

my credit is bad i have been through a divorce and two jobs in the last 3 years. 
I need an account with truist as my daughter can use the account and there is a branch about a block from here. how can i open a truist account. I have a deposit and will setup direct deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to remove this account that does not belong to me. They still have not corrected the wrong information being displayed on my credit profile.
Product: Student loan

I keep receiving emails about a late payment, but I have an application pending for an income driven plan which has been pending since early XXXX. When I go to call to speak to someone it is impossible to get a live person. My current payment I can not afford and I don't want my payment owed to continue going up. I would love to have this resolved/payment paused until my plan is hopefully approved. I don't like to complain but I also do not want my credit score I worked very hard on to get ruined over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listen to me, I can't believe that you are still reporting this as charge off / collection. This is unfair! I need a 100 % accurate and correct report. Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to XXXX for the account Equiant Financial Services that's being reported on my credit profile. XXXX responded back to me stating the company that reported the information has certified to XXXX that the information is accurate. I am filing a complaint on XXXX and Equiant Financial Services for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item Equiant Financial Services be deleted per FCRA. 

In the dispute letter I also asked XXXX to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. XXXX have failed to do so as I requested.
Product: Credit card or prepaid card

Bank of America closed both my accounts while I was current on each card ( Business and Personal ). They continue to charge interest and report to the credit bureaus while not affording me the benefits of having the cards.
Product: Credit reporting

XXXX County Clerk is not the judgment debtor, it is state of new jersey Liability amount missing. the docket or reference number is incomplete. 
Asked several times for all accurate information. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Product: Credit reporting or other personal consumer reports

When I first applied for Lexington law, they were taking money out my account every 3 to 4 days I have got put out of my house because of the missing money out of my account and I didnt have enough money to pay my rent back. I received the check of {$160.00} but they took way more than {$160.00} out of my account Im not sure which bank or debit card. I had at the time but I know for sure they took way more than {$160.00} out of my account every time I called them and ask them to send my money back to my account. It was never sent back to my account so I just took a loss And I lost my home because of that I dont know who they had working there at the time or what they had going on, but they stole a lot of money from me and I would like to have my money back {$160.00} was not enough because they took more than that, and if you can kindly help me with this problem because I got put out of my house years ago I had to go into a shelter with my children so I would like to receive my money back thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the EQUIFAX 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 XXXX | XX/XX/year>, XXXX | XX/XX/year>, XXXX | XX/XX/year>. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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. 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: Debt collection

Some guy from Praxis Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old XXXX card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

A non-requested, unapproved, possibly identity theft hard inquiry or opened account was made by and through : XXXX/WALMART XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX