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

I am writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 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 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Date of Birth : 1985
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 rigts to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A, states I have a right to privacy. 15 USC 1681 Section 602A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section 2, 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 conviction of crimes which outdates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loans ' deferment was ending in XX/XX/XXXX and so in XX/XX/XXXX I paid off the accrued interest so it would n't capitalize. FedLoan Servicing first mistakenly applied the entire payment to one loan instead of all interest across all loans. It took 2 months and several phone calls to get the payment applied correctly retroactively. Several people told me they 'd would fix it but either nothing changed. Once that situation was resolved in noticed my repayment terms were not recalculated. It took countless calls before a customer service rep finally understood what I was talking about. I do not feel like many reps are qualified to discuss loans. After that call my repayment was recalculated but the monthly bill was still incorrect. In my subsequent conversations I have simply been asking for a repayment schedule but all they can provide me is the repayment terms ( which takes XXXX business days for some reason ). The problem with the terms is the terms never reconcile to the monthly payment. The outstanding loan amount, interest rate, and repayment length always equal a different min payment than on the same summary. Some are too high, some are too low. I feel like I can never talk to someone who knows what they are talking about.
Product: Credit card or prepaid card

american express claims that the charges on my statement that ive disputed were valid which is a lie.i have never made these purchases.they are fraudulent imam not paying for something that ive never ordered.i demand that american express investigates and credits my account or i am going to FILE a complaint with the FTC and the Better Business Bureau.
Product: Checking or savings account

XX/XX/XXXX, I deposited a check for a friend, so I deposited a 3rd party check, the party came with me to deposit with check. The check was for {$10000.00} issued by the us treasury. The deposit of the check went great. We deposited it at the capital one bank on, XXXX XXXX XXXX XXXX XXXX, LA XXXX. The bank said that the check would take a few extra days to clear because of the amount. After a week past, capital one put a freeze on my account and never released the funds for their security reasons. The check had cleared and was now showing available in my account. The security department at capital one never allowed me access to my account again. On XX/XX/XXXX, I called to gain access to my account online, and capital one call center operator, named XXXX, said that capital one no longer wanted to do business with me and she wouldn't give me access to the account. When I asked XXXX about the XXXX account balance, she said it was already dispersed to the other party, when I told her I knew that she was lying, she then changed her story and said itll be sent when capital one decides it is time. I then told XXXX this wasn't right, she said that if I needed any other banking information to call another number. Is he told me goodbye and have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card TD-BANK XXXX  AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called TD BANK AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING
Product: Debt collection

I have XXXX fraudulent account being reported on my consumer reports to the credit reporting agencies i need those XXXX accounts from LVNV Funding removed from my consumer reports. When i asked for validation not verification there is a difference all i got was statements which doesnt validate the debt i have attached an FTC REPORT i need those accounts removed from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

XXXX XXXX XXXX posted a debt on my XXXX report and I have never used them for any personal use
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.
Product: Vehicle loan or lease

This car loan is with Capital One Bank. Bank 's demand for payment of the first installment of this loan was requested ( and I paid for ) a whole month in advance of the car 's registration and delivery of the car to the customer. 
Also, this car loan is a simple interest loan, but history of loan payments and postings of interest shows notable discrepancies of how the interest was applied to the principal.
Product: Mortgage

Again, please provide me with the " exact '' information I am requesting! I need an itemized financial breakdown of each forbearance plan I was placed on. Plan # 1 {$13000.00}, Plan # 2 {$14000.00}, Plan # 3 {$3800.00}, Plan # 4 {$12000.00}, Plan # 5 {$8800.00}, Plan # 6 {$8400.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legit obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately unreliable consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inaction violate federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I AM REQUESTING THE IMMEDIATE REMOVAL OF ALL INCORRECT INFORMATION ON MY CREDIT REPORT I HAVE PREVIOUSLY REQUESTED THIS INFORMATION BE REMOVED IN THE 4 DAY PERIOD PROVIDED BY LAW.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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
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 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX REPORT NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : Account numbers : OPEN DATE : XXXX  XXXX. XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Experian to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human trafficking or XXXX trafficking if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you Experian. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have paid my balance in full, returned all equipment, spoke to representatives regarding the debt collection, and XXXX continues to collect a {$410.00} debt that is not owed. 

This {$410.00} debt has been paid in full since 2016 and should be removed using the full extent of the law and protections that the CFPB grant to consumers dealing with illegal collection activities.
Product: Checking or savings account

In XXXX, we opened Citi Bank accounts for their promotion that said if we transfer {$50000.00} after 90 days they would deposit {$700.00} into our account. The money was deposited on XX/XX/2021. It has been 210 days and numerous calls to Citibank and we still have not received our {$700.00}. They have claimed we did not send back our W9, however we have sent it to them twice. Every time it's a new issue and a reason for not providing us the money from their promotion.
Product: Debt collection

On XX/XX/2021 I submitted a compliant ( and sent via certified mail ) on Santander consumer USA Inc to resolve a billing error along with TILA, FDCPA, and FCRA violations. Prior to answering to this complaint and resolving this billing error, on XX/XX/2021, Santander Consumer USA inc took an adverse action and continued collection activities. They accelerated debt collection activities by repossessing the vehicle and attempted to extort me for the sum of XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally. Because I was a victim of the Equifax data breach. 

I want these items deleted from my credit reports effective immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 



The accounts and information involved are listed below. 

Name and address XXXX XXXX XXXX XXXX XXXX XXXXXXXX pa XXXX employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number is XXXX XXXX XXXX Account number is XXXXXXXX XXXX XXXX - Account number is XXXX-XXXX XXXX XXXX XXXXXXXX XXXX Account number is XXXX XXXX XXXX  XXXX- Account number is closed XXXX XXXX XXXX XXXX- Account number is closed charge off XXXX XXXX Account number XXXX And any inquiries.
Product: Student loan

I used online chat to connect with Navient about 1 month before my final loan payment was die. The total loan was slightly more than my auto pay amount so I wanted to pay off the remainder. I was told 1 month before that auto pay was cancelled. On XX/XX/XXXX, I called to pay the full amount of my loan. I was told on the phone call that auto pay was not cancelled, although I was not notified. They would cancel auto pay for me then. I was also told that by calling to have customer service take my final payment, there would be a {$14.00} handling fee. This is completely ridiculous since the Navient web site is not user friendly to pay off loans or increase auto pay amounts. They kindly waived the handling fee for being a valued customer. ( eye-roll ) They took a payment by credit card of the remainder of the loan and was told auto pay on XXXX was cancelled. On XXXX, I called Navient again to confirm auto pay was cancelled for XXXX and they confirmed it was. 
On XXXX, I logged into my bank account and found that the remaining total of the loan was withdrawn as well as my usual auto pay amount of {$170.00}. Two payments were taken out of my account. I called Navient right away and while they apologized for the situation, they could only send the {$170.00} by check within 7-10 business days. They would not connect me to a supervisor or manager. So I went on XXXX and XXXX to recount the events. I got a reply to both with in minutes! It was there that I also found out about the lawsuit. The reply I got was to contact XXXXXXXXXXXX. Interesting that a loan company uses " socialmedia '' as their email address. I got a reply to my email and phone call saying that I would be reimbursed directly to my bank account within 2-4 business days. XX/XX/XXXX will be day 4 and I have not been reimbursed yet. I am hoping for the best but am not too positive after reading other people 's complaints.
Product: Debt collection

Cheadle Law is handling an alleged debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TN. I dispute this debt. Cheadle Law sent me a letter advising me I could dispute the debt within 30 days or else it would be presumed valid. Because debt collection agencies are notoriously bad at communicating efficiently and effectively ( although I've had no specific previous experience with Cheadle Law ), I went ahead and contacted them through the XXXX XXXX   XXXX  to report that I believed they were attempting to collect on an invalid debt, dispute it, and request they mail me the required documentation to account for the alleged debt. 

However, Cheadle Law responded only to ask the XXXX  to close the complaint as " not appropriate '' because I was not their " customer. '' It was only on my second attempt that Cheadle Law agreed to send the requested documentation to verify the debt. 

Additionally, Cheadle Law has claimed I owe an addition more than {$1000.00} toward legal fees in addition to the reported debt owed to the original creditor. However, Cheadle Law has ignored my request to provide a specific accounting of the costs or to justify its fees. I again request they do this. 

Please note I still dispute the debt and I am asking Cheadle Law to  cease and desist all contact and attempts to collect this debt aside from verification of the debt and documentation of the accounting for fees charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!! 
I would like them to take this off my credit report and do not try to put it back on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX XXXX  account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX  to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my XXXX ( XXXX and Trans Union ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.
Product: Checking or savings account

I opened a checking account in XXXX with Citi Bank and had a balance of over {$6000.00} in the account and one day they just froze my card my account wouldnt speak to me about my account I travelled all the way to the closet institution near me which was almost in XXXX Florida and I live in XXXX Georgia I took along my social security card my birth certificate my drivers licenses everything they needed to verify my identity to release my funds to me and would not and still in XXXX they are holding my funds with no explanation
Product: Debt collection

In 2015, I paid this debt off via bankruptcy court. I completed a payment plan. Years later, I forgot I paid it off and found the court documents last year. I started paying again so they actually owe me money. The last company I was paying is XXXX XXXX XXXX XXXX. There are various account numbers.