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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting

MY IDENTITY WAS STOLEN SO I PLACED A FRAUD ALERT ON MY FILE. NOW I AM UNABLE TO OBTAIN ANY CREDIT BECAUSE THE TELEPHONE LISTED ON MY FILE IS WRONG AND THE CREDITORS ARE NOT ABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED UNSUCCESSFULLY TO CORRECT THE WRONG TELEPHONE NUMBER.
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, UD DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA
Product: Checking or savings account

I was departing my mother house and fell asleep in the train station and woke up and could find my book bag with wallet phone tablet, information of banking and a pre approval letter for a car at and more XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several account balances are incorrect. Two accounts are paid in full. This shows my credit utilization as significantly higher 60 % vs actual 46 %. Ive tried contacting them online and by phone and there is no one to speak with. Accounts have reported to all three credit rating services. Current balance. Only XXXX has updated the credit information.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 
XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was permanently banned from using PayPal account after I tried contacting PayPal how and why was this happened. I was told that my PayPal has a high potential risk. I want to kindly plead with PayPal for a review as I have done no activity that can cause my PayPal banned. I carefully followed their policies and my account is still new. I just created my account on XXXX XXXX and just started to use it in receiving money on XX/XX/2023. I only have 3 transactions and needed to complete 10 transaction for me to established the trust of PayPal and to follow their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue
Product: Credit reporting or other personal consumer reports

I have never been late on my student loans. They have been deferred for numerous amount of years. Since dealing with health issues and financial difficulties I always kept in touch and have always kept them either deferred, they have never been late 30 60 90 120 days they've never been late I always apply for the deferment months ahead especially with my medical condition and financial condition be in the same for so long.

Every year for 20 years I've tried to get them to correct it and I don't have a record of conversations where I filled out deferrals because you do it over the phone and it's granted, so there's no way for me to prove that I had it or for them to prove that it was actually late and not deferred via phone.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness.

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report.

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience.

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue.

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities.

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced.

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$640.00}.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. Some person i knew got my social security number and birthdate and ran a hard credit check on my credit line. And try to apply for a XXXX XXXX card on my credit they live in XXXX Tennessee that i know they it was an old friend from 10 years ago trick me for my identity because im in the hospital and just had XXXX thank goodness i know how to report this please get back too me on this asap. Thank u.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from XXXX XXXX. 
All XXXX checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. 
I disputed this with XXXX, sent police report and the copy of FTC complaint but XXXX refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. 
I need these removed, and an explanation as to how four accounts can be opened!!
Product: Credit reporting or other personal consumer reports

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. 

This company has affirmed in writing to me that my disputes are FRIVOLOUS and that they will not research the dispute 1. Account name : XXXX XXXX XXXX Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account number : # XXXX XXXX. HARD INQUIRY : XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. HARD INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file. 
I have disputed the above information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trickery continues furnacing disputed and previously deleted information from my credit file. 
I request XXXX XXXX XXXX XXXX supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692XXXX - Civil liability and send the required notifications to all Furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX BANK XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated because I have called the bureaus about the inquiries and open accounts on my credit profile for the past 1-2 months and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

This account was charged off the following date XX/XX/2024 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my right, I am demanding a deletion of the following accounts : Accounts : XXXX
Product: Debt collection

Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. Case Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using Credit Karma to track my credit score.The last time I tried to log in, it didnt recognize my credentials. Tried creating a new account and was told ( attached screen shot ) that I already have an account but the email associated with the account is unrecognized to me. I tried contacting Credit Karma to resolve. They only have an email to submit support tickets. Ive submitted three separate tickets over the past week and have received not one response. I tried to call their corporate phone number in XXXX XXXX and was immediately placed into a voice mail box. Meanwhile, I am seriously concerned that some unknown person now has access to my SSN and other private information. I have obtained my free credit reports from the three reporting agencies. Thankfully I dont see any unrecognized accounts opened in my name but there is some key past credit history information that is no longer appearing on my report and there is an unknown past address showing on my XXXX  report. I would like to close my Credit Karma account but just need the company to actually respond to my support requests so I can do that. As of now, I am completely unable to access my own account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is paid off. I have screenshots to prove it. Additionally, XXXX has released the vehicle title which is now in my possession.
Product: Debt collection

Calls start at XXXX, XXXX per day. No one answers. The company listed on the caller ID is CBE group
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block an items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from my files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open account with Capital One. I am trying to rebuild credit, but for the last 2 months the card has stopped reporting to all three repositories. 

I have contacted Capital One, but I just get sent to a CSR in another country who does not understand what I am asking about.

I want Capital One to report my open card, as I have paid on time since I opened it a year ago. I dont see why they suddenly stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to Equifax regarding credit inquiries on my credit report. I am a victim of identity theft and my wallet was stolen and I never received my social security card for them. Every time I dispute this information, I get the same response. So they have left me no choice than to file a dispute against them.
Product: Mortgage

I have worked and am still working in the XXXX for 42 years been married for 37 years and lived in and paid for this home 28 years. One day in the local paper is a notice stating our home is foreclosing. The judicial sale is taking place this Thursday XXXX XXXX. We are losing our home even though we did all the right things paid our taxes-paid our bills. Right now we have NO outstanding debt except this loan and a student loan. Our credit is excellent. So why would we stop paying on this mortgage? For what purpose? We got an attorney XXXX XXXX and we never met with an attorney. Even in court they did n't introduce themselves. Now we are out {$7000.00}. Please even tho it 's tempting do n't go with pop ups on the computer. They are just stealing from you. There is NO ONE that will help you They will steal from you and you will still have no where to live. This loan started with XXXX XXXX XXXX went to XXXX then to many others. I do n't even know all of the lenders that have changed hands over the 28 years. We paid off credit cards to XXXX and XXXX XXXX and they will not report the XXXX balances to the credit bureaus. Why are we being hurt this way? Why?
Product: Debt collection

I already filed a complaint related to an equipment lease from years ago. The complaint was resolved and US Bank said that they accept {$1200.00} as a buyout for the equipment that we accidentally gave to the maintenance company instead of the leasing company at the end of our lease. 

I do not know how we ended up in this contract as it was not signed by an officer of our company. It appeared to be signed close to a decade ago by a regional manger during a time of limited corporate oversight. We continued to honor our supposed commitments under the contract and made payment despite concerns about it's legitimacy. The contract ended and we attempted to return the equipment to the lessor, but mistakenly returned it to a 3rd party that disposed of it. 

I explained that we could not return the equipment to the lessor and they said that they could accept about {$1200.00} for a lease buyout. I expected to receive an invoice for {$1200.00} but instead received one for $ XXXX as if the lease is just going to continue forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a account that i have tried disputing with the credit bureaus. As a consumer i know my rights. I have the right to accurate and fair information to report under my XXXX digit credit number. I never gave consent to this company to furnish my information, They are already in violation of 15USC 1681B. I have a right to privacy as a consumer and they have a duty as a C.R.A. The companies listed in this report have failed to comply with federal law regrading consumer credit.
Product: Debt collection

Received a letter on XXXX offering a payment plan for a debt. Creditor name was present but no other details regarding the debt At XXXX MST  XXXX I called the debt collector and requested they provide me the following : -copy of the original contact/receipt with my signature -full payment history from original creditor -proof they now own or have been assigned this debt The agent advised that the letter they sent was the only proof they could provide and anything further I would need to contact the original creditor for. 
I told the agent they would need to provide the requested information in order to validate the debt and continue trying to collect it She continued to repeat that the letter they sent, which only provide creditor name and debt amount, was enough to prove they can collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out my letter, I told the credit bureaus to " investigate every piece of information '' on the accounts listed below, I even went as far as pointing out factual discrepancies on my report. Also I have attached the letter I sent them here is the Tracking # for Experian : XXXX. 
Tracking # for XXXX : XXXX Tracking # for XXXX : XXXX When looking into what the FCRA considers to " investigate consumer report '' it shows the credit bureaus did absolutely nothing following the FCRA. " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I stated the inaccuracies directly from my report Accounts : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX