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

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the followXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$3900.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$6800.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid19 Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( GSF Mortgage at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip three months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to XXXX XXXX company. GSF found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. XXXX then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with zero investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them six months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before XXXX ruined it. 

GSF Still wont communicate with the new lender and inform them of the previous agreement recently was told XXXX is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN SIX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX Account number XXXX {$12000.00} XXXX XXXX  XXXX Account number XXXX {$13000.00} XXXX XXXX XXXXXXXX Account number XXXX {$16000.00} MY INFORMATION HAS BEEN COMPROMISED. I CALLED XXXX AND THIS COMPANY TO SEE WHAT WAS GOING ON AND RECEIVED NO HELP. THESE ACCOUNTS ARE FRAUDULENT. I HAVE MY FTC REPORT ATTACHED. 
15 U.S.C. 1692 et These accounts have not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Lending Club a Cease and Desist in XXXX of 2021 instructing the company to stop communicating with me through any and all mediums. Lending Club has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. I also sent Lending Club an Affidavit of Truth regarding this alleged debt which they have not responded to which implies they either can not respond to the allegations because it would be an admission of guilt and or expose their fraudulent activities.

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

I requested a signed contract between myself in which they did not provide. Astra instead sent an electronic file for a payday loan where the contract is between myself and XXXX XXXX where I don't recall receiving a loan from them.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX - XXXX 7. XXXX - XXXX 8. XXXX - XXXX 1. XXXX XXXX  - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX Account Number- XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to abtain credit. it my understanding that the credit bureaus will investigate this account for me to ensure accuracy Please look into this matter for me thank you
Product: Credit card

I have a XXXX XXXX XXXX card with card number XXXX associated with my XXXX XXXX XXXX XXXX account # XXXX. By the XXXX, XXXX monthly statement, I have earned total XXXX XXXX XXXX However, the XXXX XXXX XXXX, which is financed by Synchrony Bank, refuses to transfer my earned XXXX miles to my XXXX XXXX account # XXXX. I have been contacted the credit card company by phone calls and by Messages for a number of times and asked them to transfer my earned XXXXXXXX XXXX to my XXXX XXXX account. Upon to today, my XXXX XXXX account # XXXX still shows XXXX XXXX XXXX! As shown by attached my XXXX XXXX account records, XXXX XXXX XXXXSynchrony Bank has never credited my earned XXXX XXXX XXXX to my XXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries that have appeared on my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be promptly removed. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX. 
o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$230.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5700.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX  XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  ( Inquiry Date : XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax and XXXX regarding a late payment on my XXXX XXXX Account. The dispute was submitted on XXXX XXXX and continues to come back verified. Each creditor is in violation of the FRCA,. At this time the item continues to report the account as 30 days late in the year of 2020.
Product: Debt collection

Collection agency name : Midland Credit Management Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX, XXXX, and Equifax. 
I am writing today because there are inaccurate reports on my credit. I tried to have them looked into by a repair company only to have them add the erroneous companies add it back to my credit changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Included is the list of erroneous reports. The reasons I'm calling them errors is because the days aren't correct, they are not the original debtors, and I have know way of knowing who or what I owe. Thank you very much for your attention in this matter. 
XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Discover Card closed my account because they could not verify name name with a 4506T form just prior i was married and not reported new name with IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a credit counseling class because I wan na better my future and what better way to start than with my credit. So after checking my credit report again I was shocked to see items that there are items on my credit report that are not mine on my credit report. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again these items listed are not mine and need to be removed from my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX.
Product: Credit card or prepaid card

I am a victim of identity theft. A credit card accounts has been opened using my name and SSN When I was overseas for the last 13 years. 
When I discovered the fraud I contracted the bank to stop the account and filed an FTC and police report. 
When I asked the bank to send me no responsibility letter because I did not open the account and the charges on this account happened when I was abroad the bank is refusing to do so. 
Again I did not open this account and did not give any authority to any one to use my name to do this fraud. 
Information on this account like phone number and email address doesn't belong to me
Product: Debt collection

Subject : Fraudulent Account Dispute - ID Theft Case for Account ( Capital One Bank USA, N.A. ) To Whom It May Concern : I am writing to formally dispute the above-referenced account, which has erroneously reappeared on my credit report despite prior evidence submitted confirming it as fraudulent. 
Background : I became a victim of identity theft. The individual responsible unlawfully opened a Capital One account in my name without my authorization. I provided a comprehensive report to Capital One and all major credit reporting agencies, including : 1. An identity theft report from the Federal Trade Commission ( FTC ), 2. A police report.

3. Documentation verifying my identity. 
Following my initial dispute, the fraudulent account was appropriately suppressed on my creditnreports. However, despite my compliance and submission of extensive documentation, this account has reappeared on my report with a balance of {$3000.00}. 
Capital one has stated that this is my account and they will do nothing about it.
Product: Debt collection

Credence Resource Management XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Alleged Balance Owed : {$52.00} Original Creditor : $ XXXX XXXX
Product: Credit card or prepaid card

My credit cards were charged multiple times, which accumulated to a large sum, to two companies I have never heard of before. Upon noticing these charges I called Chase to report these charges as fraudulent. Chase denied my claim and is claiming me responsible for all the charges. Upon calling back, I was told that the charges were made in XXXX and look like travel-related charges. I have never been to XXXX, as I reside in the United States, and have not traveled in the past year due to the covid pandemic. Despite this, the Chase representative told me they are holding me responsible because " I did not report it fast enough. '' ( I had reported it 8 days after the charges started occurring ). Chase pledges that they will " not hold their customers responsible for any charges they did not make '' however, in this case, they are not investigating the fraudulent charges committed on my account, and are purely basing the case off of me not reporting in time, which was only 8 days after the fact, and after researching it states that customers have up to 60 days to report fraud. 

I asked the Chase representative I was on the phone with : " So if any of your customers received fraudulent charges, but did not report immediately you would hold them responsible for the fraudulent charges? '' to which the Chase representative replied " Yes '' I find this extremely negligent and unprofessional, as it seems like the representative is saying that Chase does not even care to look into the legitimacy of the charges and is purely basing their claim off of the customer being able to constantly monitor their account and notice such charges in time. This goes completely against their message that they " do not hold their customers responsible for charges they did not make '' as the representative clearly admitted that they will if their customers don't report immediately, regardless of whether or not the charges were actually fraudelent.
Product: Checking or savings account

I opened a checking account with regions when I was around XXXX years old and used it very rarely living out of state. When moving back to the state in XXXX, I used this account with more frequency until switching to another bank because of the handling of deposits, withdrawals, and fees. The checking account remained open but was rarely used for the next few years. I was never charged a low balance fee or limited use fee during any of these times. I then opened a heloc with Regions in XXXX and started using the account to make these payments. When I paid off the heloc in XXXX, I started receiving an {$18.00} charge every month. I have called several times over the past 2-3 years and have never been given a solution. The rep would usually tell me that the fee didn't make sense, that they weren't sure why it was charged, or that I would need to figure out why it had changed and discuss the issue with whichever branch caused the issue. Apparently, as I was told by a representative a few months ago, at some point while I had the heloc, my account was " converted '' to another product that would help me by gaining interest on my checking account t balance. When the heloc was closed, which was preventing this fee from being assessed, the fees started accumulating every month. I was finally told today that they would put in a request to change the account back to the original product, which would eliminate the fee, but I was only eligible for one fee reversal. I feel that this is an unacceptable deceptive practice because I was charged {$18.00} per month for the last few years with no explanation, no apology, and no restitution. The account was converted without my knowledge and, until today, I couldn't even get them to change it back to save future fees. I have struggled for years to even understand why this was done or how to change the account to save the fees. I would have completely closed the account and severed the relationship but have kept it open because I have a recurring transfer to my parents ' regions account.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have done the best I can to pay this company every extra money I have and for me to find out more money is added to my balance is a problem for me on my credit report I have my real balance and when I asked whats my balance as of today it was 616 more then whats been reported this company needs to be investigated they are taking people money they always taking people to court and getting away with it
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute I will contact the data furnisher. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct this account from my file. 
XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

INCORRECT NAME XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Date Opened-XX/XX/XXXX XXXX Date Opened-XX/XX/XXXX XXXX XXXX Date Opened-XX/XX/XXXX XXXX Date Opened-XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX