23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX XXXX, and I am reporting fraudulent activity involving my credit. On XX/XX/year>, a new credit card was opened in my name without my consent. Following this incident, I took steps to monitor my credit closely. On XX/XX/year>, I received credit alerts indicating additional fraudulent applications for two credit cards with XXXX  XXXX  and Discover, as well as an application for a XXXX  XXXX XXXX account. These applications were made without my authorization or knowledge. 

I believe the unauthorized opening of the credit card on XX/XX/year>, may have exposed my personal information, leading to the subsequent fraudulent activity. To address this, I have contacted all three major credit bureaus ( XXXX, XXXX, and XXXX ) to place fraud alerts on my account and have disputed the unauthorized inquiries with XXXX  XXXX, Discover, and XXXX  XXXX XXXX. Additionally, I have filed a police report to document the identity theft and reported the unauthorized credit card to the issuing bank. 

I am requesting your assistance in investigating these unauthorized credit inquiries and accounts, removing any fraudulent accounts from my credit report, and providing guidance to help prevent further fraudulent activities. I have attached supporting documents, including copies of the credit alerts I received, dispute letters submitted to the financial institutions, and the police report. 

Thank you for your attention to this matter. I look forward to your response and any additional steps I should take to resolve this issue. If you need to contact me, I can be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who m it may c oncern, I called  XXXX   XXXX  and spoke to a woman by the name of  XXXX  in reference to a late payment of more than 30 days past due at not fault of my own.  XXXX  was quite rude and condescending while I was trying to explain the situation and remedy the problem. The situation arose because I purchased a new boat and traded in my  old one a nd there was an error that resulted in the payment from the boating company to the loan provider being late, more than 30 days which negatively impacted my credit. When I noticed the huge impact ( a decrease of  XXXX  points ) on my credit, that I have worked so hard to get to a good point, I called  XXXX    XXXX   and spoke to  XXXX  who again, was rude, condescending and provided no resolution or support and basically told me, " It 's not their problem. ''
Product: Mortgage

MY LOAN WAS ORGINALLY WITH XXXX WHEN I FIRST PURCHASED IT BACK IN XXXX  IT WAS EVENTUALLY SOLD TO OCWEN AND I HAVE HAD NOTHING BUT PROBLEMS SINCE WITH MY MORTGAGE. AS SOON AS OCWEN GOT MY MORTGAGE THEY CLAIMED I OWED THEM SEVERAL XXXX  OF DOLLARS IN WHICH IT WAS IMPOSSIBLE BECAUSE I HAVE ALWAYS PAID MORE THAN I WAS REQUIRED TO AND I PAID ON TIME. HERE WE ARE AT ALMOST TWENTY YEARS LATER OCWEN/PHH IS STILL MAKING FALSE CLAIMS IVE HAD TO HIRE SEVERAL ATTORNEYS NONE HAS HELPED I WATCHED XXXX XXXX TAKE DEPOSITION ON A REP FOR PHH AND THE REP COULD NOT EXPLAIN WHAT HAPPENED TO THE MONIES I SENT THEM BECAUSE IT WASNT APPLIED AS I INSTRUCTED PHH TO AS IF IT JUST DISAPPEARED INTO THIN AIR. OCWEN/PHH ARE PREDATORS AND HAVE TAKEN ADVANTAGE OF ME THIS IM SURE OF I HAVE NEVER MISS THREE PAYMENTS TO BE IN DEFAULT. OCWEN/PHH HAS FORCED ME INTO ABOUT FOUR DIFFERENT MODIFICATIONS THEY HAVE ALSO ADDED XXXX XXXX DOLLARS TO A MODIFICATION I WAS NEVER MADE AWARE OF PLEASE HELP ME. I HAVE TRIED EVERY AVENUE TO GET THIS ISSUE RESOLVED. I KNOW I HAVE PAID FOR THIS HOUSE TWO TIMES OVER, I WOULD BE SATISFIED IT THEY JUST SEND ME MY DEEDS TO THIS HOME BECAUSE THEY DEFINITELY HAVE PREYED UPON ME FOR YEARS. I APPRECIATE YOUR TIME AND EFFORTS THANKS IN ADVANCE.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
THE XXXX XXXX XXXX XXXX Balance : {$110.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX, - XXXX XXXX  Account # XXXX,, XXXX XXXX  account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXXAccount # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # XXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit file that I believe were impacted by a data breach. As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to have the accounts in question blocked and permanently deleted from my credit report. 
The following accounts are the subject of this request : XXXX. XXXX  XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$28000.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$2800.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$8100.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my credit with all XXXX credit bureaus from addresses that were not mine, fraudulent bankruptcies and student loan accounts that are not mines and they have failed to removed these items even after sending a police report that I filed in accordance with the disputes. I have been disputing these items since XXXX of 2022 and they still refuse to remove certain items. I need these items removed immediately or I will have to take this further because the bureaus are not taking identity theft serious and violating my consumer rights. Attached are the disputes that were filed.
Product: Credit card

Account Type : Charged Off - Account Filed Date : XX/XX/XXXX - Account Amount : XXXX - Account Closed Date : XX/XX/XXXX - Comments : BK OF AMER  '' Above is the only information the SEC was able to pull from my background check in order to complete my registration they are needing verification information that this debt has been resolved. 

In XXXX or XXXX the balance of the account was transferred to my now ex-wife 's card. Over the next year THAT card was paid off. Her card was not with BOA it was an independent card and I do not remember what kind it was, maybe a XXXX. 

Anyways, it was not charged off to a collection agency. My employer is needing paperwork to complete my hiring process. When I have contacted BOA, their automated system will not allow passage unless you have an account number or a SS number. This account is so old the system does not recognize my SS. The only department I can get to a live person is the CC application department and they do not have access to archived records. When/If they transfer me, it just puts me back into the automated system que. 
I also went into a local BOA branch, and they can not pull up information on this account again, because of the age of it. They could only give me a number to call which of course brought me back to the gatekeeping automated system. 

I need to speak to a live person in both the Credit Card archive department and the Mortgage department to get paperwork for both the closed-out card and the foreclosed mortgage from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting few information on my credit report that are either over 7 years old or  incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( experian, XXXX, XXXX ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
Product: Student loan

This relates to Fed Loan Servicing. First of all, NONE of their posted telephone numbers are working- when you call, it goes quiet ( no ring ), and they immediately hang up on you. It is outrageous. XXXX, XXXX. XXXX. 

I qualified for the XXXX and my loan was forgiven around XX/XX/2022. I had, in fact, made OVER 120 qualifying payments. Fed Loan told me I would be refunded the amount I have paid over the 120 payments ( ~ XXXX ). They have yet to send me my refund. I can not reach anyone at FedLoan for assistance. 

Thanks, XXXX XXXX
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Capital One National Association. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I was a XXXX XXXX and XXXX XXXX and late payments happened during XXXX and I was working and also XXXX  XXXX. 

I would be very happy if the company accepted my request. This would help me a lot. I believe that we can continue to have fruitful relationships in the future, I am very happy with your services. 

Please see the document attached : -Medical ID My account information is : Account number 1 : XXXX Account type : Credit Card Date opened : XX/XX/XXXX Account status : Open Balance : {$0.00} Account number 2 : XXXX Date opened : XX/XX/XXXX Account type : Auto Loan Account status : Open Balance : {$9400.00} Regarding my credit card Capital, the card was paid off in full and Capital One added interest after account was paid off, and this cause the late payment. 

Solution : For my Credit Card delete the XXXX late payment XXXX from my account or delete the account from all credit bureaus. On my Auto Loan I am requesting delete the XXXX late payment XXXX or delete de account and waive the balance. 

Thannk you!
Product: Credit reporting or other personal consumer reports

Equifax Customer Data Breach ( Case XXXX ) Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) & 15 USC 1692c Responsibilities of Furnishers : 15 USC 1681s-2 & 15 USC 1635 & 15 USC 1692g The accounts listed below are not credit transactions initiated by me.

The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX XXXX XXXX : Balance : {$13000.00} : Account # XXXX : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX : Balance : {$530.00} : Account # XXXX : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  : Balance : {$200.00} : Account # XXXX : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX : Balance : {$990.00} : Account # XXXX : Opened : XX/XX/XXXX XXXX XXXX XXXX : Balance : {$550.00} : # XXXX : Opened : XX/XX/XXXX XXXX XXXX XXXX : Balance : {$1100.00} : # XXXX : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX : Balance : {$1400.00} : # XXXX : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} : # XXXX : Opened : XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action. 
I am aware of my rights under federal law and will pursue every remedy available under the FCRA and the Consumer Financial Protection Act ( CFPA ) for the following violations : Negligent or willful violations of the FCRA, which could result in statutory damages of up to {$1000.00} per violation, in addition to attorneys fees and punitive damages, as provided by 15 U.S.C. 1681n and 15 U.S.C. 1681o. I will escalate my complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for your repeated failure to comply with federal reporting obligations. I also demand that you refrain from reinserting these fraudulent accounts into my credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) without prior written notice to me, as required by law. The fraudulent activity associated with these accounts has caused severe harm to my creditworthiness and financial stability. I expect this matter to be addressed with urgency, professionalism, and strict adherence to federal law.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS & INQUIRES ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

Amex closed my account and they're not willing to work towards a resolution with me
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts ... XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

There is information on my credit report that is a result of inaccuracy. Did not provide explicit written permission or instructions to identified XXXX to be reported on my consumer report. I am requesting that ALL Information on my credit report updated as PAID AS AGREED for the both XXXX XXXX XXXX XXXX XXXX XXXX accounts. These debts are charged off & is now considered income. Income is not suppose to be reported on a credit report. 


XXXX. [ XXXX XXXX XXXX ] XXXX. [ XXXX XXXX XXXX  XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed that there was some unauthorized inquiries on my report that was not given with my written instructions. Those Inquires listed below XXXX XXXX XXXX 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

My identity was stolen and compromised. I have not been checking my credit report in a long time but was apalled to see how many fraudulent accounts I had opened in my name. I called each of the consumer reporting agencies and consulted with my legal team and was told to file an FTC identity theft report which is attached below. 

I also have multiple addresses and employers on my report that I have never been associated with. This information is very damaging to me so please remove all of the following negative information attached down below.
Product: Student loan

I have been dealing with navient for almost two years and they are the worst when it comes to customer service. No one there I have spoken to have ever been on the same page and ca n't ever tell me what I owe exactly. I have tried to get them to work with me in lowering my payments but instead I was told I would have to pay the amount I 'm paying. I was approved in XXXX to defer my payments till XXXX and I still got collections letters in the mail from navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit card

I applied for a Capital One credit card to rebuild my credit as it helps with rebuilding credit. I have applied several times and I have been denied multiple times citing a previous account that was compromised due to identity theft. Capital One didn't take the identity theft claim seriously and refused to investigate my claim. I believe that I am being discriminated based on my XXXX, my identity being stolen and race since I am XXXX. I believe that the identity fraud that hit my account and myself being held liable is because of my race, XXXX and nationality.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter out on to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 



According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that there was an Equifax data breach. I punched in my SSN into their website and discovered that I was a victim. I have since spent hours upon hours searching through my personal information and researching how to protect myself. And the end is n't far from near. I 'm XXXX XXXX for the rest of my life.
Product: Debt collection

In XXXX XXXX XXXX XXXX XXXX. Part of the divorce agreement was putting my ex-husband 's name on all the debts for the house that he was staying in. That included a company called XXXX XXXX XXXX XXXX  was contacted by myself and my account was closed with them. My ex-husband was supposed to pay the bill as I didn't even live in that house anymore. He claims he did. In the divorce that debt was to be paid by him. XXXXXXXX XXXX turned it into collection. I disputed the debt and turned it over to the court. Again the ex-husband said he paid it. XXXXXXXX XXXX said it was taken care of the collection agency said it was taken care of it was disputed at all the credit agencies. A year past. I got another collection agency trying to collect this debt. I repeated the process and was told it was taken care of. Today, a third agency has now bought a XXXX debt and is trying to collect it. This debt has been reported as disputed at two other collection agencies. Transworld systems Incorporated of XXXX XXXX Illinois is now trying to collect on an old disputed debt.