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

I am writing to express my strong dissatisfaction with the unauthorized accounts appearing on my credit report, which I believe are the result of identity theft. These accounts are causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing these fraudulent accounts with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. 



XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Throughout my history with this account, I've consistently ensured payments are made on time, never allowing them to be overdue. I'm uncertain about the basis for the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error regulations, these should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT # XXXX Amount : {$940.00} Date Opened : XX/XX/2021 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were six ( 6 ) companies that performed a HARD INQUIRIES on my Credit Report, on XXXX XXXX XXXX, and I did NOT authorize. They are : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I only authorized XXXX XXXX.
Product: Student loan

My daughter and I have had nothing but trouble with Discover Private Student Loans. First, when I complained about them charging me interest rates for a variable account at over 14 %, I called and said I only have fixed-rate loans. They said I didn't and perhaps my daughter agreed to one. She did not. I asked for proof. They said I needed a lawyer to write a letter. I got a lawyer to write a letter. They responded with a threatening letter and said that if I wanted information I would have to pay {$36.00}. I paid the money and they sent one page with everything cross out in black and zero information. I asked the lawyer to write a second letter saying that I would need access to the audio account in which I agreed to a variable loan. They refused and threatened me again. 

In addition to this, Discover entered into a long list of predatory practices. They intimidated and gave false information and and offered zero payment plans. One call told me that we were not eligible for a .5 % discount for auto withdrawal while another call to an agent in a different city commented that they could not understand why I was told that. 

The worst were the people in the XXXX XXXX office who I tended to get when I called. One time they " accidentallty '' applied my payment to the wrong loan which would have had us in a charge out. 

My daughter is very smart and she talked to a person who told me that if she didn't pay her loan for XXXX  days, then she could get a loan amount of about {$500.00} per month instead of {$850.00}. She told me she had it handled and I was contacted when it was about to charge off. 

The XXXX XXXX XXXX office was very predatory. I would call for a simple thing, like to change the dates of my direct payment to match with paydays. They would tell me to call back at a specific time the next day. They insisted that they couldn't tell me any information as I am the cosigner. There were so many lies and so many times that I got a different story from a different agent. Once when I was told, " I don't know who would have told you that, '', they suggested a name. I called that office so often that I knew that guy was out on paternity leave. I have pages of notes. This company is horrible. They are predatory and can not be trusted. I am currently in the process of filing for bankruptcy, largely due to being unable to support myself due to this loan. My daughter does not have any credit card debt, but she is also prepared to file bankruptcy if needed. 

We were both traumatized by these people. They had her in tears and told her things that were different than they told me. Finally, I did not allow any calls to them without us both on the line and they commented that they really needed to talk to use separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired with PHH mortgage services regarding loan refinancing. After talking to them I declined the loan. They sent a packet of all my financial and personal information to another customer of theirs. When this customer realized he received all my information he notified PHH. He stated he spoke with several people at PHH. They all instructed him to ignore this and shred the documents if possible. I was made aware of this by the customer. PHH mortgage corporation never notified me of this breach of my security and still has not. The only reason I know of this is because of the customer who felt he should tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identity transactions. The identity transaction are not information related to any transaction by me as the consumer : Bankruptcy XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had a Credit Card with XXXX XXXX and XXXX through Commenity Bank. I paid what I thought was my balance in full of {$30.00}. Then they charged me a {$2.00} interest fee in XXXX, which I was unaware of. Therefore I received a late fee of {$2.00}, and another interest charge of {$2.00}. I went ahead and paid the balance on XX/XX/2023. However, they told me I was going to receive another late fee of {$6.00}. So now, I have to pay that as well because I paid the bill on XX/XX/2023 instead of XX/XX/2023 when I thought my bill was paid in full back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information left on reports XXXX and 8 years and is way past Florida law for removal! You ignore latest dispute XXXX bal and use old dispute denying latest!!! 
Credit Report Prepared For Report Number XXXX Date Generated XXXX XXXX, XXXX Disputing personal information Since names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors.

Need a dispute resolution quicker?

All of your credit report information is reported by your lenders, so incorrect or incomplete information may be resolved more quickly if you dispute directly with them. And remember, inquiries can't be disputed online. 
Reports XXXX Potentially negative XXXX Accounts XXXX XXXX XXXX XXXX Personal information XXXX Hard inquiries Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ). Although we do not generally collect such information, it could appear in the name of a data furnisher ( i.e., " XXXX XXXX '' ) that reports your payment history to us. If so, those names display on your report, but on reports to others they display only as " XXXX XXXX XXXX '' Consumer statements included on your report at your request that contain medical information are disclosed to others. 

XXXX XXXX XXXX If your report contains public records, the XXXX XXXX section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visit https : XXXX. 

Know your rights A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, XXXX XXXX. XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, XXXX XXXX. 
Potentially Negative XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance {$440.00} Status Open. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance -Status Paid, Closed. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance -Status Paid, Closed. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance -Status Paid, Closed.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to you out of sheer desperation and frustration regarding the abhorrent treatment I have received from US Bank. On XX/XX/2024, I took the responsible step of reporting fraudulent charges on my account, only to be met with a nightmare that has left me and my family in dire straits. 

Without warning or explanation, US Bank froze my account on XX/XX/XXXX, leaving me unable to access any of my hard-earned funds. Despite my repeated attempts to seek information about why my account was frozen and how long their investigation would take, I have been met with nothing but rudeness, disrespect, and a painful run-around. 

The consequences of their actions have been devastating. On XX/XX/XXXX, US Bank prevented my rental payment from going through, resulting in my landlord serving me with an eviction notice. As a result, I am now facing the very real possibility of homelessness, along with the added burden of not being able to provide for my XXXX young children. 

Adding insult to injury, I have an XXXXyear-old son scheduled to return home on XX/XX/XXXX, and I am unable to afford his plane ticket due to US Bank 's callous actions . It breaks my heart to think that I may not be able to welcome him home because of this unjust situation. 

It is incomprehensible to me how a bank, entrusted with the financial well-being of its customers, can wield such power without any regard for the human lives they impact. It feels as though they have made robbing their customers an effortless endeavor, while they continue to profit off of our hard-earned money sitting idle in their bank. 

I implore you to intervene on my behalf and hold US Bank accountable for their actions. No one should be subjected to the kind of treatment and hardship that I have endured at the hands of a financial institution. I am not just a number on an account statementI am a person, a parent, and a member of society who deserves to be treated with dignity and respect. 

Please help me regain access to my funds and restore some semblance of stability to my family 's life. Your swift action in this matter would mean the world to us. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit card

On the XXXX XXXX pages leading up to the Avant Credit Card application to get a new card were the words will not affect your credit score. 

On the actual application itself the same words appeared will not affect your credit score. 

I have screenshots that I took while completing the application. 

I was instantly approved by Avant for the new credit card and at the exact moment ( instantly ) that I received a confirmation email for said approval, I received an email regarding my credit report. It stated that there was new activity on my credit report. 

When reviewing the activity, my report clearly showed that the Avant ran a hard inquiry which DID IMPACT my score. It dropped my score XXXX points for a the hard inquiry. A hard inquiry though a small impact is an impact nonetheless! 

They are misleading people to apply for new cards under false pretenses PERIOD. 

Why are these banks allowed to get away with these misleading and sneaky tactics CONSTANTLY without any repercussions? Its so tiring and infuriating.
Product: Debt collection

I keep getting voice mail messages from Receivables Outsourcing LLC for a XXXX XXXX. Every time I open my phone I have another voice message. I have called the company twice and told them there is no XXXX XXXX at this number any more. I have had the phone number for approximately 4 years. I told the company to stop making calls to my number. I am still getting voice messages from them.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and noticed that there was a Auto loan that was not mine
Product: Checking or savings account

I opened an account with Huntington Bank on XX/XX/ 2020 with the promotion that if I deposited XXXX within 60 days I would receive a XXXX account bonus. I deposited XXXX within 60 days. It is currently day 128 days and this account bonus has not posted. I have tried contacting Huntington bank over 3 times to resolve this matter. They continue to not resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Mobiloans.This is not a loan I've taken out. I am not aware of such company. 

From what I've read online. XXXX XXXX XXXX Louisiana is not licensed to conduct business in the state of California. XXXX XXXX XXXX XXXX  XXXX XXXX operates a website at www.mobiloans.com. What they are doing isn't legal nor is it a valid loan operation in this state. 

I demand that this account be removed from my Transunion credit report.
Product: Credit card or prepaid card

I was the victim of a crime. Fraudulent charges were made on my card for around {$4000.00} XXXX XXXX and his sister XXXX XXXX threatened to kidnap my children, forced me to give them my information, and forced me to make these purchases for them.
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY. 

The credit bureau TRANSUNION stated my account was properly investigated and verified. This was not an verification based investigation. This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY I reached out to Transunion because according to federal guidelines 15 U.S. Code 1681 I have the right to privacy and requested that they removed the account # XXXX from XXXX  XXXX XXXX XXXX XXXX my credit report in the amount of {$360.00}. 

I contacted Transunion multiple times with the final time being today XX/XX/2022 The law states " ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy '' My right to privacy has been violated and I have reached out to this company. 

The law also states under 15 U.S. Code 1681b A Section 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've never gave written consent for this account to furnish my credit report and Transunion is not doing a proper investigation on my credit report being used improperly.
Product: Debt collection

Received a l etter from FBCS Services s tating that I owed {$290.00} from   XXXX   XXXX   XXXX  . The letter states that my last payment was  XXXX / XXXX / 2013 . The information they gave me states that it was coming from  XXXX   XXXX . I contacted  XXXX  and they have no record no past due collections from me which I already suspected since, I do not go to  XXXX  for my  XXXX  providers. The collector could not give me any other information. There is no record of this bill even being on my credit report. I asked them to send me documentation but they said originally all they had was the hospital name. I believe 100 % is this a scam. This is the first letter I have ever received from them and I do not owe nothing.
Product: Checking or savings account

I was scammed and they blamed me and cancel my whole account
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 Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX