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

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) XXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/ instructions.
Product: Credit card

On XX/XX/XXXX I received an email that my credit limit was decreased from {$6000.00} to {$2100.00} from Citi AAdvantage. They stated their decision was based, in whole or in part of the below reporting agency XXXX. I called and they said you are 4 days past due so this is probably why. I made the payment over the phone and told them I have never been late since XXXX when opening my account and in fact I have always paid early. They could not give me a direct answer as to why they did this. I never gave them permission to run my credit since XXXX. My income has increased so I am a bit perplexed as why this action was taken. 

4 days past the due date should not be a reason to decrease a customer 's credit limits. Again, I never had been late or missed a payment since being with Citi AAdvantage. This will affect my credit usage/credit report as now I have {$61.00} credit available vs XXXX it makes it look like I max out my credit cards. Can you assist.
Product: Credit card

On XX/XX/XXXX, a pickpocket stole my wifes US Bank XXXX and XXXX XXXX at the XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The perp then used the US Bank card to make one or two purchases of {$53.00} at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The perp also used the XXXX XXXX to make a {$45.00} purchase at the same place. Both XXXX and US Bank identified the charges as fraudulent. 

XXXX closed their fraud investigation on XX/XX/XXXX, and removed the transactions from my account. 

US Bank sent me a letter ( see scanned copy with my handwritten notes ) on XX/XX/XXXX, stating : After careful review, we have verified the transaction ( s ) was authorized, and you received benefit from the transaction ( s ). A list of disputed transaction ( s ) is included in this letter for your reference.

Please see the enclosed documentation that indicates the transaction ( s ) are valid.

. 
. 
. 
You have the right to receive copies of the documentation used during our research. Please contact us if you would like the documentation. 

I called US Bank on XX/XX/XXXX. XXXX said that they would send the documentation and I should receive it in 5 to 10 days. After 18 days of waiting, I called US Bank again. XXXX said the only documentation was that the card was presented at the time of transaction. She reopened the case and said to expect a call in 24 to 48 hours. XXXX called me on XX/XX/XXXX. Rather than give her the details over the phone, I sent her a letter on XX/XX/XXXX ( see attached ). She called on XX/XX/XXXX to tell me that she didnt receive the letter. She said that it might be delayed because of the holidays and would call on XX/XX/XXXX or XXXX to let me know if I should resend it. She did not call, so I left a message on XX/XX/XXXX. I also tried on XX/XX/XXXX, and XXXX. As it turns out, the letter was returned to me on XX/XX/XXXX. I mailed it again on XX/XX/XXXX. I called XXXX a left a message on XX/XX/XXXX. She did not return my call within the promised XXXX hours.
Product: Debt collection

12 CFR 1006 B STATES : a debt collector must not communicate or attempt to communicate with a consumer in connection with the collection of any debt : 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, student loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Debt collection

I was victim of theft identity. someone opened a account under my name with XXXX XXXX XXXXXXXX the dispute was file property and was dismissed. now the collection company " BAY AREA CREDIT SERV '' is attempting again to collect a debt is not mine affecting my credit one more time.
Product: Debt collection

I already have disputed this account multiple times for the last 7 months and there has been no any response after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts linked to my profile. These are not affiliated with me, and I never authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX / XXXX Date Opened XX/XX/XXXX {$84.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Student loan

I called Nelnet on XX/XX/XXXX to discuss several issues. 
XXXX. I received an email that my loans were in an administrative forbearance for the payments XX/XX/XXXX and XX/XX/XXXX. The email said it was due to a failure to send statements on time and apologizing for any inconvenience. The payments still came out of my bank account for these XXXX months causing me financial hardship as I wasn't allocating the money for those payments. I explained to the representative that the payments were still coming out and she was going to request a refund for the payments. She had me on hold for about XXXX mins to speak to a supervisor. While talking to her about this complaint I brought up my next complaint. 
XXXX. I asked her to tell me when I authorized auto payments from my bank account. She put me on hold while she looked. She said she had no record of me authorizing payments from my bank account. I understand she just works there and tried to answer the best of her ability. I said that I was going to file a complaint about these issues. That's when she insisted I speak to a supervisor. I waited on hold another XXXX mins before getting someone on the line. I explained to her my concerns where she tried to find evidence that I authorized auto payments and said in XXXX I authorized auto payments. When I told her I didn't have that account anymore. I asked her to tell me when I authorized auto pay from my current account. She kept reading changes from my nelnet account but nothing saying I in fact authorized these payments. So when I asked for the date she said would you like that mailed to you? I said yes I would like the signed authorization mailed to me. I asked her why I wasn't receiving statements, bills, and due dates. She said I was signed up for electronic communication which she explained is only found on the nelnet account online not sent through personal email. I asked to remove me from XXXX communication and only contact me via mail which she said she did. They did remove autopayments from what they claimed. So then when I ask her to make sure I was getting refunded the payments she explained that since I was set up for auto pay the money starts to withdraw from my account XXXX  days before my due date. She wasn't able to request a refund for XXXX since my forbearance started on my payment due date. So the email was a lie. I only get XXXX  month of forbearance due to my payment due date. When I got off the phone I went to my nelnet account I couldn't find any " statements or proof of auto pay ''. I tried to delete my bank information to prevent further mishaps and the website wouldn't allow me to delete my own bank information which is a huge concern.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns regarding the unauthorized use of my personal information on my Cash App account, which I believe was accessed through the use of a blocked program. Despite my repeated attempts to resolve this issue, I have been unable to get any meaningful assistance or resolution from your support team. 
The unauthorized activity on my account violates my rights as a consumer, and I believe this situation constitutes an unfair business practice, particularly in relation to the Consumer Financial Protection Act ( CFPA ), which mandates that financial institutions protect consumers against unfair, deceptive, or abusive practices. The ongoing failure to address this matter in a timely and adequate manner is causing unnecessary harm and distress.

Furthermore, under the Electronic Fund Transfer Act ( EFTA ), I am entitled to protections related to unauthorized transactions and timely resolution of any disputes. Despite my efforts to report the issue, there has been no clear resolution or communication from Cash App to rectify the unauthorized activity, which is both frustrating and unacceptable. 

I respectfully request that this matter be investigated immediately and that proper action be taken to resolve these ongoing issues. Please confirm that my account will be secured, and any fraudulent transactions will be addressed in accordance with the relevant consumer protection laws. 

I look forward to your prompt response and an immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  are inaccurately reporting on my consumer file with XXXX and Transunion. This account was taken out fraudulently in my name. They are coming back saying accurate which it is NOT. They are in violation of my privacy as a consumer of the FRCA. My bank has closed the account linked to this activity. I have disputed this information more than 3 times and it is not verified correctly. This company is in violation of code 15 USC 1861i. of the FRCA. I am going to pursue legal action against this company if they do not remove the account and stop reporting on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOITHER 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 an alleged fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GAXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My name is XXXX XXXX XXXX. I have checking and saving accounts with Chase bank. The accounts got froze on XX/XX/2020 because an SBA loan in the amount of {$7000.00} was accidently deposited into my personal checking account. The SBA loan is a legitimate loan I got from the government SBA back when COVID 19 affected my XXXX XXXX XXXX XXXX. I have documentations including loan agreement and monthly statements that will proof this amount of {$7000.00} was not in any way an illegal money deposited into my account. I did called an SBA officer inquired as to why my accounts got froze. He stated that if the accounts got froze, it was not because of SBA. He stated Chase bank should not have freeze my accounts for any reason. 
After finding out all bank activities did not go through, I called and visited a Chase bank in XXXX TX. The bank associate informed me my accounts got froze because the SBA loan got deposited into my checking account. They want me to show them the proof. I showed them the loan agreement and the terms of repayment statement. The bank associate contacted her branch manager and I was informed they will send me a check of the accounts balance. They asked me to wait and give them time to process. I gave them weeks to complete but they never send out a check or unfreeze my accounts. The accounts are still there with the balance of {$7800.00} in checking and {$500.00} in savings that I have no access to them. Whatever document they required or requested I provided to them but they still would not address the situation. They are not forthcoming or interested in solving this problem for me. They want to keep the status of these accounts as is. In the meantime, I am require to repay the loan monthly to the government. 
Recently I was informed Chase will soon close the accounts. I have made numerous attempts to have Chase release my money. I felt like they are ignoring me. I ask you to intervene on my behalf because I dont have the time and money to hire an attorney.
Product: Credit reporting or other personal consumer reports

I have been reaching out to the credit bureaus sending out letters demanding that the information on my credit report be verified. I have not received any letters or responses. I have filed with FTC and with you hoping for expedited answers.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue since XXXX of XXXX. The reasoning behind this complaint is that I am unable to see my Equifax credit score anywhere BUT Equifax.com. By law I should be able to pull my score collectively from any platform. With the Score showing as a XXXX on multiple platforms, I fear it is affecting my chances of getting any approval for a line of credit/any funding. On the Equifax website, it states that XXXX XXXX, XXXX. is who is the partnered party involved with reporting an accurate credit score, so I am requesting Equifax verify my score with them, as well as Equifax do their due diligence to be sure my score up to dateshowing as a valid score in all of their internal and external systems. 

Please refer to personal statements and screenshots sent out in hopes of rectifying this issue before now. I have spent so much money going back and forth with Equifax via mail, I just need this resolved immediately. Will not go another month not knowing whats going on with my score, and why it will not show up anywhere else.
Product: Credit card or prepaid card

My Capital One XXXX card 's statement closed on XX/XX/2022 in the amount of XXXX was due on XX/XX/XXXX. 
They charged an interest fee of {$25.00} on XX/XX/XXXX. 
I paid XXXX days late : {$1300.00} on XX/XX/XXXX. 
They also assessed {$35.00} in interest fees on XX/XX/XXXX. 

Next statement closed on XX/XX/2022 in the amount of XXXX ( includes late charge fee as well as the interest fee mentioned above ). 
I made the full payment amount on XX/XX/XXXX. 

They charged me another {$20.00} in interest charges on XX/XX/XXXX, even though I had paid my statement in full. 

I called and complained about it, they told me there was nothing they could do and that they would charge interest for XXXX months. I then asked to close my account, and I had XXXX in outstanding balance. When they gave me my quote, they said I had to pay {$1600.00} to close out my account. This means they are charging me interest again this month. 

How is it possible that they made over {$60.00} in interest charges because someone was XXXX days late for a less than $ XXXX outstanding balance? These are predatory charges. I pay $ XXXX in interest charges on my mortgage which is close to XXXX in principal. Of course I get it that those are XXXX different financial products, but this should be illegal, especially because I did pay for my balance in full.