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

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report XXXX : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report.

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 XXXX XXXX a ( XXXX ) right to privacy XXXX. Violations under XXXX XXXX XXXX XXXX - Requirements relating to information contained in consumer reports
Product: Debt collection

I have repeatedly asked for validation of this debt from this collection agency and they have not responded yet continue to report this negative account to my file. I requested that the company provide a contract between them and the alleged original creditor, Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. They have not complied, yet they continue to " verify '' this inaccurate account. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

o whom it may concern I have sent a letter to XXXX, XXXX and XXXX regarding this collection agency Southwestern Recovery services who has placed an amount of XXXX on my credit report. I have emailed this company that I did not signed a lease at XXXX XXXX XXXX  which, I have provided a copy of. As you can see on the signature page of page 9 of the document I have sent, both the signature is the same show to be not my hand writing, which I have provided a copy of my signature on my id. On XX/XX/2015 I was at work Im not sure if the owner who is XXXX signed or XXXX XXXX XXXX signed the papers with my signature. Also, as you can see on the lease XXXX XXXX provided to me. XXXX XXXX does not own the property it is XXXXXXXX XXXX XXXX XXXXXXXX so. I not quite sure where they come in saying he even owes a balance to them. There no contract on file between XXXX XXXX XXXX XXXX, or Me XXXX XXXX. I need them to produce a contract with my signature to say this balance is even mine which I have ask them to do and they have not done. It hard trying to keep my credit straight. I dont need amounts that I dont owe, and I am not responsible for to be added and bring my credit score down. I want this matter investigated and Southwestern delete off my report they did not even put it on XXXX XXXX XXXX report just mine to XXXX me off. He even told them to send him a copy of the breakdown or what is owed for and the contract he signed with classic property of how he owes the XXXX and he will send a payment, from what my brother told me they never sent anything to him. Also, Im trying to get my work schedule with XXXXXXXX XXXX XXXX XXXX  to show I was at work you do have my permission to call the hr dept of XXXX XXXX as part of you investigation there number is XXXX corporate office. Like I stated I want this collection agency delete off. Thank you XXXX XXXX This caused me to file a bankruptcy and balance is not owed
Product: Debt collection

I attended XXXX XXXX XXXX from Fall of XXXX to spring or XXXX. I waited all XXXX  for my diploma in the mail, but I never received. I visited on campus to get a replacement and was told I owed {$25.00} dollars for the diploma and a certificate. I have the statement to prove that I paid the {$25.00}. I never visited or attended the college again. A few days ago I got a credit report discrepancy from Williams and Fudge for a {$25.00} dollar charge from XXXX XXXX XXXX. I called their business department several times and no one picked up so I went on campus to discuss. They were confused by the charges and needed to speak to the lady that put the charges on my account. I got a call back that the extra charge was for the certificate. The issue I have is that they did not properly disclose that this was an extra charge and only told me that I owed {$25.00} dollars for the diploma and the certificate. They then put the charge on my account the next day. I was never notified of this being added to my account and never received a bill in the mail for this charge. Now, 6 years later they have sent to Williams and Fudge and my credit score has been knocked down almost XXXX points. I do not feel that this should be on my credit report because I was not billed correctly the day that I visited the campus, and I was never notified of owing this for years.
Product: Credit reporting or other personal consumer reports

I have recently discovered that my personal information has been compromised, resulting in unauthorized information appearing on my credit report. I am writing to formally request the removal of this unauthorized and fraudulent information as soon as possible. Enclosed with this letter, you will find copies of the following documents that support my claim of identity theft : A copy of my government-issued identification ( e.g., driver 's license or passport ). 

A copy of the Identity Theft Report filed with the City of XXXX XXXX, FL on XX/XX/2024. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, completed and notarized. 

Any additional documentation related to the fraudulent accounts, such as correspondence with the creditors and any dispute letters I have sent. 

Request for Investigation and Removal : I kindly request that XXXX XXXX XXXX  conduct a thorough investigation into the unauthorized accounts mentioned above. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that these accounts should be removed from my credit report promptly, as they are a result of identity theft and not a result of my own actions. 

I have attached a copy of the police report and any relevant documentation that supports my claim of identity theft. Please find these documents enclosed with this letter for your reference.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my XXXX XXXX. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act there should be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX collecting on behalf XXXX XXXX opened XX/XX/XXXX
Product: Bank account or service

Have online account with Discover Bank. Logged in XXXX/XXXX/15 @ XXXX XXXX to transfer {$20000.00} to my liked account at XXXX XXXX XXXX. Today is XXXX/XXXX/15 at XXXX XXXX and funds are still not at XXXX. Contacted discover and spoke with supervisors who only could tell me funds were sent on XXXX/XXXX/15 at XXXX. He assumes all times are EST. Have called the Federal Reserve in XXXX ( XXXX ) and they can not help. Called XXXX and spoke with XXXX XXXX who stated should not take more than 2 days, but could not offer any help. Called Fed Reserve ACH center in XXXX and was advised they did not communicate with individuals-only banks. Have emailed complaint to discover with no help.
Product: Debt collection

I was a victim of identity theft these account where open in my name using my id and ssn card. 

XXXX XXXX XXXXXXXX JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and multiple inquires were established when someone tired to open accounts in my name
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company Phoenix financial, first called my family. Then they called me and requested social security number by phone. I dont acknowledge this debt and if I did do not have the money to pay it. The guy said they would no longer call. Today, a lady calls from two different numbers with my area code so I would answer the number. I tell her I dont acknowledge the debt, and her response was okay we will post it on your credit ( threat ). Oh by the way, I have never received written notification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an XXXX XXXX credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Product: Checking or savings account

I ( customer ) signed up for a checking account through Chase Bank to take advantage of one of their promotions. After having the account open for 8 months ( or longer ) I visited a local branch to see about getting some checks. Having difficulty verifying me as a current customer, the teller told me my account was closed. When I called Chase Bank customer service ( XXXX ) to discuss the issue, I was alerted my account was closed due to inactivity. I then spoke to personal banker at the branch who told me the same thing. I inquired if Chase Bank could furnish me with proof that I was alerted that the account was " IN DANGER '' of closing due to inactivity. Furthermore, I also asked if Chase Bank could furnish me with proof that I ( customer ) was alerted that the account was ACTUALLY " closed due to inactivity ''. No one at Chase Bank could furnish proof because I ( customer ) was NOT alerted in any way, shape, or form. I ( customer ) firmly believe this is an express violation of my rights as the account owner since I was NOT alerted of the account closure either before OR after. None of which took place! Please dont allow Chase Bank to hide behind verbiage like inactivity and hold them accountable for acting fraudulently and not in the best interest of the consumer.
Product: Credit card or prepaid card

Aspire will not allow me to make a payment towards my Aspire credit card. Yes, you heard that correctly.. 
I have been in the hospital for the last 3 weeks. Returned home on XX/XX/23. My aspire credit card was set on Auto pay but the payment of {$53.00} was returned as a result of me not having access to my bank accounts due to being hospitalized. 
Therefore, today XX/XX/23, I logged into my account to cover that payment using my debit card. I received a pop up that I could no longer make online payments. 
I used the Live Chat and they could not give me a reason, just stated I had to call to make a payment. I am XXXX XXXX XXXX, just out of hospital and due to bad hearing I get a lot of anxiety trying to discuss things over the phone. Plus why would I not be allowed to make an internet payment with a DEBIT CARD. SInce those payments are processed immediately. 

Seems Aspire is trying to make it difficult to pay my account then charge me hefty late fees. 
I have had a few payments returned but always covered them. Plus Aspire sufferers ZERO harm if a payment is returned. I am the one harmed with high return fees or late fees. 

This policy Aspire has refusing to allow me to make an online payment is absolutely harmful to me, is discriminatory and violates Federal policy.
Product: Mortgage

I am a widow. Seterus is preventing me to assume the mortgage loan to avoid foreclosure. XXXX helped me file a complaint with CFPB, but CFPB said I had to file the complaint myself, case number : XXXX. I have faxed Seterus the original deed, wedding certificate and death certificate. Seterus keeps telling me to go trhough probate. I 've been informed that under the federal code regulations and XXXX 's guidelines, Seterus is supposed to speak to me and allow me to assume the loan. They are going to take my house and no one seems to care. I have already lost my husband, and my son, I am trying to keep the last thing I still have. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions Accounts : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXXunavailable balance XXXX XXXX XXXX {$760.00} Inquiries : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Reseller ) Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 0 public records
Product: Credit reporting or other personal consumer reports

I am a XXXXXXXX [ XXXX XXXX XXXX passed on the XXXX of this month - XX/XX/2023 ]. I have dealt with TransUnion ; XXXX ; and XXXX for many years in that I keep my credit information frozen. I am about to apply for new Provider for electric at my home. The present Provider is about to expire on XX/XX/2023, and their rates at this time are not the best and I have decided to try another provider, which I have approached. In order to do this, of course I have to take the freeze temporarily off with all three reporting agencies. 
All went well with XXXX and XXXX in that I was still able to do on my desktop, but when it came to TransUnion not so. TransUnion want you to do all your interactions on a cell phone. Presently, I do everything related to credit etc. on a desktop computer as I have done for many years. 
My cell phone is a XXXX, and I can not seem to get that across to TransUnion that this type of cell phone service is just not secure for any credit transactions or interactions of any kind. 
What doesn't make it any easier is that TransUnion has sourced out to XXXX XXXX, and I am sure their customer service representatives are not familiar with XXXX service. My hope is that in the future you can help me obtain the option of being able to do any interactions with TransUnion on my desktop. Any help with this would be greatly appreciated.
Product: Student loan

My federal loan was switched over from XXXX to Aidvantage. My loan monthly payment was {$300.00} with XXXX, but Aidvantage is now charging me over XXXX XXXX XXXX XXXX I called to ask why theres such a huge discrepancy and they said the payment plan I was in with XXXX, is not a payment plan that they currently offer. I was on the SAVE plan, but Aidvantage insists I was not. They charged me {$2000.00} on XX/XX/scrub>XXXX returned the money into my account a day later, and charged me the same amount again on XXXXXX/XX/year>. They currently put a forbearance on my account because I can not afford the current monthly payment and reported to me that about {$1000.00} of interest will accrue a month until I can figure it out. They told me I can submit an application for the SAVE plan but all applicants will be put on hold and will not be processed for the time being. I can not afford to pay {$2000.00} a month.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my store credit card was charged {$2100.00} at a store I have never been to nor do I even have membership. I received an email from the bank about suspicious activity on my account. I immediately contacted the credit card company to report what had occurred and attempted to resolve the problem. Every month since, I was charged with the fraudulent purchase ( at times I was charged twice XXXX. I called the company every month to resolve this issue, however the transaction kept appearing on my account on my next statement despite ongoing investigation and multiple phone calls. 


On XX/XX/XXXX, after 5 months of investigation I still had not received an update from the credit card company. I called them and I was told when I called the credit card company that the investigation lead them to still charge me for the fraudulent purchase as the purchase was completed by chip despite my card never being stolen or misplaced.