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

I received a notice from Amerisave Mirtgage that my loan application was declined. I did not apply for a loan from them. Made multiple attempts to call and never could get through to anyone. Left voicemail and sent email. Flagged credit reporting agencies as well. They ran my credit without my consent but had my email address so I should have gotten some type of notification prior to running report. If this is some type of scam from their company to get contacts it is terrible. I requested they provide me information on the address the loan was requested for. I did not download attachment from email I received as I could not confirm if it was safe download due to not being able to contact anyone at Amerisave.
Product: Credit reporting or other personal consumer reports

To who it may concern : I received my consumer file, thank you very much for sending me the information. 

I noticed that a bankruptcy is listed, and this is a very personal and embarrassing matter. Come to find out, this is not supposed to be there without my consent. In order for one to have this information, one would have to create a PACER account. Persons operating a for profit organization, like CRA 's, do not have the right to access or report on this. I was curious how the CRAs or your company have this and I found that out. 

I also contact the NJ state bankruptcy court because I thought maybe they did it. But to my surprise, they DO NOT REPORT to CRAs nor verify OR validate. 

Obtaining information from public sources like PACER was done with false pretenses : 15 U.S. Code 1681q - Obtaining information under false pretenses 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. 

In addition, the attorney that provided me his services the time, XXXX XXXX, CERTAINLY DID NOT verify this to you or anyone for that matter. 

Finally, I have never provided written instructions or consent for this very personal matter to be shared on my consumer report. I am aware that the FCRA says a credit reporting agency must remove inaccurate or unverified information. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In closing, please DELETE this item from my credit report as it IS NOT VERIFIED. 

The XXXX, XXXX, and XXXX  do not qualify as as a recognized source of validation. 

Please send me an updated copy of my consumer credit report once the bankruptcy is deleted. cc CFPB
Product: Bank account or service

I had a CD account with Citibank that is now closed. The account was closed approximately XX/XX/XXXX or thereabouts. A Citibank counter check or cashier 's check was issued on XX/XX/XXXX and cashed a couple days later XX/XX/XXXX. The payee was myself. However, I myself was not present at the Citibank branch on either of those days, nor did I authorize anyone else to close the account. ( I just found out about this fraud in XX/XX/XXXX when I went in to check on my CD account. ) Now that I am disputing the check, Citibank Manager is telling me the check is a fraudulent check which they trace back to a Delaware account for multiple fraud issue cashier check and I never had a account with them. Bank manager is telling me they can not locate any information or account number under my name or social security number. Unfortunately, I do not have the account number but I do have letter stating amount deposit along with letter stating when CD account will mature. However, because I do not have an account number and there 's no record showing up for an account under my name Citibank does not want to do anything for me. The challenge in this case is time, the account was closed in XX/XX/XXXX and it is now XX/XX/XXXX they 're telling me their record does not go that far back because it has been purged, not only that, there was never an account open under my name or social security number. Also, the branch I deposited the money at has been shut down, therefore, I had to go to a different branch location. I have try everything from calling customer service to talking to branch manager to filing an " affidavit of forgery '' with no luck. Now I am stuck with filing a police report and waiting to see what happen with my case. I believe this is some sort of fraud within Citibank employee because I know I deposited money into a CD account with Citibank itself.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute the following accounts on my credit report, which I believe contain inaccurate information : XXXX Bank Account XXXX XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Upon reviewing my credit report, I have identified discrepancies in these accounts that are not accurate or complete.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ), I am demanding a procedural investigation into the accuracy of these accounts.

I request that you promptly investigate the disputed information and remove any inaccurate accounts from my credit report without any further delay. 
Please provide me with a written confirmation of your receipt of this dispute and an update on the status of the investigation within 30 days. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have went through the BBB to get through this issue with universal acceptance. This battle has gone on for years I have asked over a dozen times that this company validate this debt in return they refuse to do so by asking me to provide them with information to validate the debt. I am aware of the laws that protect me and those that protect companies. The refusal to validate this debt is very bothersome. I am hoping to get this issue resolved in a timely manner for it has held me back many years thus far!
Product: Credit reporting or other personal consumer reports

I am submitting this report regarding the unauthorized and inaccurate reporting of accounts by XXXX XXXX  Delaware and XXXX CARD, both of which violate my rights under the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX Delaware account was reported without my written consent, making it fall under the exclusion section of the FCRA. The FTC defines this as identity theft, which means this account should never have been reported in the first place and must be deleted immediately. Additionally, I never provided written authorization for this account to appear on my credit report, which violates 15 U.S.C. 1681b ( 2 ) Permissible Purpose. This is a clear violation of my rights, and under 15 U.S.C. 1681n, XXXX is liable for damages due to willful noncompliance with the law. The XXXX XXXX account is also being inaccurately reported. On XX/XX/year>, a XXXX representative assured me that once I paid the balance in full, the account would be removed from my consumer report. I fulfilled my end of the agreement, yet the account remains. This is deceptive and misleading, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing false or misleading information to credit bureaus. By failing to honor their own agreement, XXXX XXXX has engaged in unfair and deceptive practices that have harmed me financially. To make matters worse, TransUnion continues to report these accounts, despite clear evidence of their inaccuracy. This failure to ensure the accuracy of my credit report violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. Their reckless disregard for my rights has caused significant harm, including damage to my creditworthiness and financial opportunities. I am requesting the immediate and permanent removal of these accounts from my credit report and written confirmation that they have been deleted. I also urge the CFPB to take enforcement action against TransUnion for their clear violations of the FCRA. Consumers should not have to fight so hard to have inaccurate and unauthorized accounts removed from their reports. This situation has caused me unnecessary stress, and I expect swift corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

see attachments for details.This complaint against the credit bureaus refers to a direct CFPB COMPLAINT XXXX against the furnisher XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit file that came about due to an alleged identity or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX XXXX : {$6100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card

A month ago I was looking to go back to work. I was emailed by a " foreign company '' asking me to fill out an employment application online because they wanted to hire me for a purchasing position. I filled out the application and the next day they said they wanted to hire me and have me start right away, however, they needed time to issue me a company credit card and so wanted me to use my credit cards to begin purchasing products and sending them to their customers. They would give me account information which would allow me to transfer money onto my credit cards and after the money had posted they wanted me to purchase items and send them to clients. After about XXXX weeks I started noticing that the wire transfers that I had made were being sent back to the banks and the reason given was, " no authorization '' for transfers. I did n't even know the credit cards companies could send the money back without talking to me first so I immediately went to both credit cards and asked them to shut down the accounts and not send any of the transfers back because these people had the merchandise that I purchased for them. Over and over all the credit card companies would tell me is that they had never heard of anything like this and after XXXX hours on the phone, and multiple insults with XXXX credit card company they did finally copitulate and shut down the account so that no further funds could be sent back, however, the other credit card company would not do anything to help me no matter who I spoke with. I did file a report with my local law enforcement agency and the FBI but that did n't matter to the credit card company. I now have to payback a healthy amount to that credit card company and I am not getting any direction from local law enforcement or the FBI so I do n't know how long I can keep the other credit card company from unlocking my account and sending the funds back to the scammers. The other credit card company who sent all the funds back wo n't see this as a scam ( because they have never heard of a situation like this ) and on top of the many insults I have had to endure from them, I will have no choice but to pay the money back and will not be able to utilize my credit card while I am doing so.
Product: Checking or savings account

they withdrew XXXX from my savings account for " Legal Order, XXXX  XXXX '' without any explanation
Product: Checking or savings account

On XX/XX/14 my Joint account ending in XXXX was charged {$6000.00} to offset a disputed business card account that had no relationship to me. I did signup for it nor approve any agreement. I have no relation or connection to it. 
The offset of a Credit Card Charge specifically to a joint account that one of the owners ( XXXX XXXX ) is not related in any way to the CC ending with XXXX is a violation of the Fair Credit Billing Act ( FCBA ). 
The agreement to offset was never shared/ approved or signed by me and it is against FCBA rules to offset it against a private joint account owned by individuals that have never made any written authorization for the offset.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX XXXXo ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Checking or savings account

Bank of America denied my claim using various reasons. I have attached a copy of the previous complaint as reference. I would like to know what are the next steps I can take to recover my funds. I do not agree with the decision that was made I did not make the transactions in question. I do not believe I should accept a loss that occurred through no fault of my own. I am respectfully requesting that BOA please take another look at my claim. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THE ACCOUNTS ARE FRAUD ACCOUNTS WHICH ARE INACCURATELY PLACED ON MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I was reviewing my Consumer Report recently and I discovered that there were accounts reported that do not have permissible purpose. The information that is being reported is adversely affecting my character, my creditworthiness, my reputation, and my mode of living as a consumer. This is a clear violation of several federal laws that are governed by the Fair Credit Reporting Act, the FDCPA, and Title 18 under identity theft. 15 USC 6801 and 6802, talks about disclosure of non-public personal information and privacy obligations but it is clear that since my identity has been used, Experian, XXXX, and XXXX have not upheld their obligations as consumer reporting agencies. Since there was no permissible purpose, per 15 USC 1681b, and non-public personal information was transferred without authorization, per 15 USC 6801, this is a clear indication of identity theft, which is stated in 18 USC 1028.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ).

This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following Accounts : has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments Current, was past due 90 days XXXX XXXX 4 late payments Current, was past due 120 days XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX  XXXX 1 late payment XXXX XXXX XXXXXXXX XXXX 4 late payments XXXX XXXXXXXX 1 late payment XXXX XXXXXXXX 2 late payments 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. I was sent to collections by XXXX  XXXX  XXXX  inXXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XXXX and had to move out of our old place which was moldy and made our XXXX year old son  sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working 3 jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay XXXX   XXXX  XXXX their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off XXXX  XXXX  XXXX  SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at XXXX  XXXX  XXXX  is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take XXXX  XXXX  XXXX  off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time
Product: Credit card

Im missing {$7500.00} worth of items ordered personally and thats just from XXXX to now plus I would like a refund for the items I purchased but didnt order or receive I would like my full amount of {$2400.00} that was credited to me and promised to be mailed to actually be delivered as soon as possible because the balance on my closed secure account has now dropped to {$1800.00} with claims of purchase which is impossible due to my account being closed I just want whats mine nothing more nothing less because its not hard to prove this case in court Ive lost revenue that I could be using towards my business and patent helping my family with financial support around my home. This is far from just a civil case its clear embezzlement of my personal money and bank accounts. I understand that theres an investigation going but my security deposit which have been identified should have been mailed to me and taken care of by this time its been over 45 days since why is there such a hold up when clearly there is wrong doing on the money and accounts! Wheres the justification for all of this??
Product: Mortgage

A financial package was submitted for the borrower 's to be reviewed for a loan modification on XXXX XXXX, 2015. The submission date is XXXX days before any scheduled sale date. Wells Fargo Home Mortgage has not provided an ackowledgement letter confirming receipt of the package or a missing documents letter within XXXX days of the submission date ; therefore delaying the borrower from being reviewed for a loan modification within a reasonable time. We are requesting an acknowledgement letter confirming receipt of the package and a missing documents letter which details ALL the pending documents needed so the borrower may be reviewed for loss mitigation options within a reasonable time-frame as allocated by the Consumer finance protection bureau.
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

SPRING OAKS CAPITAL SPV , LLC The company failed to provide the documentation requested to verify the debt that they tried to collect over 45 calendar days. The company 's resale of the debt that was unverified to XXXX XXXX account was closed, and the company was unable to provide proof of debt and return to Spring Oak Capital Spv LLC. I demand SPRING OAK CAPITAL SPV, LLC Remove the collection account on my credit report immediately.
Product: Debt collection

OMEGA RMS LLC , continues to use  alias o f my name to continue a collection that was settled on  XX/XX/2016    with another company representing   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX  just sent another letters stating account has been paid in full but if disputed the account will be reopened.     First : thing the name is incorrect  XXXX  not my name spelling.   Second :  Letter is  an UN-officall letter and an poorly attempt to reactivate account by committing a illegal predatory and purposely done I will consider this an act of fraud. I will be seeking any Criminal Avenues open to me.