23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 8 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inquiries in my account that i have no idea of, nor did i ever allow to be there. I asked the bureaus to removed them a couple of times but thay just so stern and kept them there. Now my scores are hurting because of this. Please help me remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax told me that the bankruptcy information that they are reporting on my credit file was provided to them by the XXXX  house but that isnt true, I called the XXXXhouse and they told me that they do not provide any XXXX information to any of the credit bureaus, now for some reason, equifax keeps telling me that they have been able to verify this XXXX  if that is true then I would like the name of the person that they spoke to at the XXXXhouse and also the phone number of the same person, I would also like equifax to provide me with any information that they have from the XXXX house, proving that they provided this XXXX  information to them. I received a letter from the courthouse that tells me equifax is lying when they tell me that they have verified the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 information in my credit record that came about due to alleged XXXX or 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
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX : XX/XX/year> ] [ XXXX : XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Formal Dispute & Demand for Monetary Damages Due to Failure to Remove Inaccurate Late Payments I am writing to formally dispute the inaccurate late payment ( s ) reported on my credit file associated with [ Account Name : XXXX XXXX XXXX XXXX under account number : XXXX ]. Despite my previous requests and legal obligations under federal law, the inaccurate negative mark remains on my credit report, causing me financial harm. 
Under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ), a consumer report does not include information solely related to transactions or experiences between the consumer and the entity making the report. The continued reporting of this late payment, without verifiable proof that it was accurately reported in compliance with the law, is a direct violation of my consumer rights. 
Additionally, under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX of the Truth in Lending Act ( TILA ), a creditor may not lawfully treat a payment as late unless they have followed reasonable procedures to ensure that a billing statement was provided at least 21 days prior to the due date. I hereby demand that you provide concrete evidence, including a tracking number or proof of delivery of my billing statement as required by XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. 
Because of the continued inaccurate reporting of this late payment, I have suffered financial losses, including but not limited to : Increased interest rates on loans and credit accounts Denial of new credit opportunities Emotional distress and reputational damage As per the FCRA XXXX XXXX XXXX XXXXXXXX and XXXX ), failure to comply with federal credit reporting laws entitles me to statutory and actual damages. I am demanding compensation of [ {$1000.00} ] for the financial and personal harm caused by your negligence. 

Required Action 1. Immediately remove the inaccurate late payment from my credit file.

2. Provide written confirmation of the removal within 15 days of receiving this letter.

3. Compensate me for damages caused by the unlawful reporting.

If you fail to comply within the allotted time frame, I will have no choice but to escalate this matter by : Filing a Federal Trade Commission ( FTC ). 
Pursuing legal action to recover damages, including attorney fees. 

This letter serves as official notice of my dispute and intent to seek legal remedies should you fail to correct this issue promptly. Please respond in writing promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I sent a prior complaint however i received a full updated credit report with other multiple illegal accounts. I want these items deleted from my credit reports immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Please Help me delete these illegal accounts from my credit reports. 
XXXX XXXX  amount XXXX XXXX XXXX  XXXX XXXX amount XXXX XXXX XXXX  amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX  XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX  amount XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX Amount XXXX XXXX XXXX Amount XXXX XXXX XXXX Amount XXXX XXXX XXXX Amount XXXX XXXX amount XXXX XXXX XXXX  XXXX Amount XXXX XXXX  XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX  amount XXXX XXXX XXXX amount XXXX XXXX  XXXX  amount XXXX
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 606B ( 15 U.S.C. 1681c-2 ) that Equifax, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of receiving this complaint. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached supporting documents to assist in this matter.
Product: Checking or savings account

I opened an account on line, a HSBC Premier Checking and Savings Account. I received the welcome letter, I received all the forms and documents in them mail, I've created and registered online security, etc. I have done EVERYTHING asked to prove who I am, etc. I was provided account and routing numbers. I have set up direct deposit. I even completed a mobile deposit via the banks app, now all of a sudden the bank has locked my account and will not allow me to access my funds. The bank is holding my {$5500.00} and will not let me access the funds via ATM or branch nor will they allow me to close my account to get my funds to go to another bank. This has been the MOST ridiculous side show experience opening up an account. HSBC representatives do not give two cares about you as a consumer. They are not being transparent. I keep getting the run around and barely understand their representatives. If you are not able to make mobile deposits or bank deposits what's the poinXXXX of having a checking account if you can't put money into it other than direct deposit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$8000.00} XXXX ACCOUNT XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 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 information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year>. This account has resulted in several fraudulent appearances on my consumer FICO credit report. I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned account and inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint number as proof from the US Federal Trade Commission that the aforementioned consumer credit account and inquiries.
Product: Credit card

I would just like let discover know that next week as I've already had a meeting with an attorney XXXX on XXXX.. And on XXXX I will be meeting again to retain him so going forward please send your harassment letters to him His name is attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX number is XXXX. 

I am giving you the heads up now before he starts dealing with you going forward.
Product: Credit reporting or other personal consumer reports

Someone opened a Kohls credit card account under my identity on XX/XX/year> with an {$800.00} credit limit and used {$730.00}. Was alerted by my bank and XXXX regarding this inquiry on my credit report
Product: Debt collection

. I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Product: Credit card or prepaid card

Hello, I'm registering a complaint against XXXX XXXX for the inappropriate assessment of late payment fees and interest to my account. My statement dated XX/XX/XXXX included a late fee and interest assessed on XX/XX/XXXX. I mailed my payment on XX/XX/XXXX or XX/XX/XXXX along with other payments to different vendors. All received their payments before XX/XX/XXXX, except XXXX which took the extra step to convert my payment to an eCheck and it cleared on XX/XX/XXXX, after the statement cutoff, and conveniently so they can add an extra fee. I called to raise the concern and they were unhelpful, mentioning that because I had closed my account, they would not reverse the fee that was assessed. If one looked the postmark date of the payment, they would clearly see that this was postmarked before the due date and was received timely. I'm aware that this crossed the XXXX XXXX holiday, however it seems like I am being taken advantage of, or at least being forced to pay a fee for their untimely processing. 

To avoid continuance of this problem and to put an end to my relationship with XXXX XXXX, I'm remitting the full amount due for the current statement ( though I don't feel it is appropriate ). I respectfully request the Bureau 's  assistance in having the {$31.00} refunded. 

Thanks, XXXX
Product: Mortgage

Nationstar Mortgage does n't respond to my requests to have an agent present at the sale of my mortgage. Also, I 've called customer service several times asking for the original stock certificate and proprietary lease. They do n't seem to understand that I need the documents and a rep present at the closing ; otherwise I ca n't finalize the transaction. Please assist. Thank you.
Product: Credit reporting

I have a dispute with Experian. They are wrongfully, maliciously and illegally reporting a debt from XXXX XXXX XXXX that is invalid.1 ) XXXX XXXX can not or will not prove letters of notice. 2 ) Original debtor ( XXXX XXXX XXXX ) will not and can not discuss this bill as it is too old. No longer even a valid debt! 3 ) I had no knowledge of this debt until I started monitoring it. 4 ) I have been declined credit, subsequently having a negative impact on my score as a direct result of Experian 's wrongful acts -- suffered damages! Experian will not allow me to state all of my evidence. 4 ) Creditor XXXX XXXX refused to send me any supportive information that I requested in XX/XX/2016, XX/XX/2016 and XX/XX/2016- past 30-60-90 day requirements! There are XXXX or more legal reasons that I 've attempted to give Experian and they deny removal based on " preformed '' statement issues in XXXX sentence that do not accurately describe what has transpired. I have provided XXXX LEGAL reasons to have item removed according to the FTC. Both XXXX and XXXX have removed this item. Experian is intentionally allowing it to remain- INTENTIONALLY affecting my score in a negative fashion. I have been diligently attempting to increase my credit score- perhaps to purchase a home XXXX day and can not move froward due to Experian 's illegal Credit Reporting tactics. I will contact my local legislator and the FTC with regard to this matter. Again, there is not XXXX but XXXX reasons set forth by the FTC ans CFPB to have this removed and Experian refuses or affirms incorrect report information KNOWINGLY! I believe that because I wo n't pay their costly membership fees, that they are purposefully not cooperating with me- if true- fraudulent business tactics on its face! Please help/advise me. 
Thank you for your time and consideration regarding this matter, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

There is a mistake with my account because I have always made on time payments since I opened my account in XX/XX/2017. Then something happened where my payment was made from the wrong account that was clsoed and i updated it right away. This dropped my credit score a lot and I am asking for a one time courtesy to pelase remove the late payment because I paid it right away when I found out the mistake.
Product: Checking or savings account

I went to the bank today to withdrawal exact cash and it took 25 minutes because the bank had only 1 teller. The bank is making billions  and charging me maintenance fees and they can't even bother to have more than 1 teller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has this False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. I will be forced to sell remedy in court if this issue is not taken care of.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

I have fallen behind in my vehicle loan payments due to XXXX XXXX XXXX and losing mobility for months due to XXXX. 

After months of struggling to stay afloat, I reached out to capital one to set a payment arrangement to rectify my balance. I missed the payment due to my debit card being locked but reached out to make the payment I missed. I asked verbatim, will this payment take my vehicle out of repossession status and the agent assured me that the {$890.00} payment made on XX/XX/XXXX would. 

A few days later I get a text from my dad saying that the vehicle was in fact, still in repossession status. I called Capital One confused about the status due to the MISINFORMATION the agent gave me on XX/XX/XXXX. 

This new agent looked into the conversation and saw what the other agent said, but informed me the payment was actually roughly {$13.00} short of being enough to take me out of repossession status. Which highlighted the MISINFORMATION I was told that led to this domino effect. 

This phone call I made another arrangement that did not include me paying the {$13.00} that day, which I should have but nonetheless trusting the guidance of these people. Fast forward to XX/XX/XXXX my childs father dies and led me to forget to pay on XX/XX/XXXX. If I wasnt given MISINFORMATION XX/XX/XXXX, me missing a payment by a few days wouldnt have resulted in my car being repossessed. 


I was given no proper warning or chance to rectify after the missing payment on XX/XX/XXXX. It was totally XXXX, didnt even get informed that they took it after the fact. I called to escalate the repossession and of course, they admitted the MISINFORMATION that their agent told me yet of course find any reason not to admit that that action had a domino effect and resulted in wrongful repossession. 

Now I dont know how I will be getting to my loved ones funeral. Thank you so much Capital One!
Product: Mortgage

I received a letter from Pennymac in XX/XX/year> stating that I do not have hazard ( home owners insurance ) even though I verified that my insurance declaration sheet is reflecting on my pennymac account. I uploaded the documents again and received another notice XX/XX/year> stating they do not have my insurance on file and that I will be charged for pennymac purchasing a more expensive policy for me. I uploaded the documents for a third time and received an email within the hour stating they are unable to proceed with updating my insurance information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been struggling with Experian since XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX and both companies reached out to all XXXX credit reporting agencies with deletion letters and police report of fraud has NOT been deleted. EXPERIAN has been refusing to mail me a copy of my report. I've sent letters requesting along with Disputes and a copy of my Driver 's license and rental lease by certified mail got the postal slip CREDIT- XXXX false it is XXXX or less as of today. XXXX XXXX XXXX XXXX- FALSE BALANCE AGAIN XXXX has not been updated since XX/XX/XXXX I've asked to please update my report aswell in my letters.. If you see FAIR PAYMENT HISTORY ( fair ) shows XXXX late payment Shows XXXX collections fraud statement.. REPORT # DATED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. But score did not change and I have a feeling experian is punishing me by fraudulently not updating refusing to give me a copy of my report so I can protect myself..Experian showing I lost points for seeking credit cards I'd like to see that proof. I been fighting for my rights to be able to protect myself and my score but how cN I if I'm been refused that right. And why hasn't Experian updated my report in XXXX years? XXXX XXXX needs updated been the same since XXXX XXXX XXXX threw XX/XX/XXXX we are going into XXXX. I have reason to believe that Experian is adding up my XXXX XXXX  payment with the " '' Deleted '' '' acct XXXX 's XXXX XXXX. Experian is sabotaging my report that's y they refusing my report. Experian is showing closed on XXXX  that acct wasn't closed I paid off that car XXXX XXXX  monthly for 2 years I get no credit for that. I will ask a special investigation can be looked into Experian