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

On, XX/XX/XXXX, I received my, Transunion Report by mail and discovered why I have not been receiving any of the credit that I truly deserve from neither, Transunion, XXXX nor, Experience. MY " Identity '' has been stolen by an individual living in, XXXX, Wisconsin since apparently, XX/XX/XXXX or sooner. The following, Adresse 's, Phone Number 's, and Date 's of residency that I now submit to you are all, " FAKE '' and " FRAUDULENT INFORMATION '' used by the individual that stole my " Identity '' and used those locations, and phone numbers to secure fraudulent, Loans, Properties, Bail from Jail, Credit Cards, Attorney 's, and Rental Residences without neither my, " Permission '', nor my " Knowledge '' : " ADRESSES '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" EMPLOYMENT '' : XXXX XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) During this entire time, I had been " XXXX  '' in the, XXXX XXXX XXXX XXXX If you send me an, " Email Adress '' to my email ( XXXX ), i will send you my, XXXX XXXX XXXX XXXX, " Record Of XXXX '' so that you can very easily " Verify '' the fact that, during the entire time that my identity had been stolen, " Unbeknowngst '' to me, i was XXXX and serving a XXXX XXXX in the, XXXX XXXX XXXX XXXX. In it being humanly impossible for me to be in, " TWO PLACE 'S '' at the same time, thus proves my " Complaint '' to you, " Transunion '', XXXX, and XXXX that my identity has been stolen by these individuals during such time that I was paying my debt to society, my " Identity '' had been stolen, and " Exploited '' for financial gain in every way possible leaving my, Credit Scores, and entire credit file ruined. Please fix this issue, and " Investigate '' this matter as soon as possible, then please, " Re - Adjust '' my credit scores accordingly? Thank you. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding the multiple hard credit inquiries that appear on my credit report. Upon reviewing my report, I noticed [ XXXX ] inquiries on XXXX [ XXXX ] on TransUnion and [ XXXX ] on XXXX attributed across several days. I was unaware that this many inquiries would be conducted, and I believe this violates my expectations of the financing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home PR # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information may have been stolen during the Equifax security breach. I have already visited www.equifaxsecurity2017.com, and after I entered my information, I received this message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' Because I may be affected by the breach, I have placed a 90 day fraud alert on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$420.00} 3 ) XXXX XXXX  XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX   XXXX XXXX {$21000.00} 9 ) XXXX Formerly XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Management Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dear, Credit Management Company 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXX & XXXX Account 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Reported bankruptcy ( XXXX ) on my credit report as well as personal and inaccurate personal information on my credit as well as shared or reported personal data on my consumer reports without my knowledge or consent by XXXX party credit agencies all three XXXX XXXX XXXX and equifax after I opted out and issued each agency a cease and desist several times
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XX/XX/2023 they want ss number drivers license home deed pay stub utilty bill all i want is my free credit report Equifax this was sent to XXXX XXXX XXXX credit card XX/XX/2023 this card was denied base on equifax reporting now they say we have no recordof my credit
Product: Student loan

I have some student loans through XXXX XXXX, now Navient. I have been trying to make payments with them- but they are unwilling to work with my income. They continuously try and give me a monthly payment that is way beyond what I can afford and refuse to work with me even though I keep telling them that I am willing to pay but that I just can not afford the minimum payment they are offering. For the longest time they told me my only option was to pay {$150.00} to put my loan in forbearance, which only results in more interest. This is a vicious, disgusting cycle that only allows them to XXXX you into owing them more money. This company is preying on honest Americans who work hard and are just trying to pay off the cost of their education!
Product: Credit card

This is in reference to case number XXXX. The response I received was unsatisfactory and violates several key provisions outlined in federal law, including the Fair Credit Reporting Act ( FCRA ) and the CFPB Complaint Process. I'm asking this get removed from my credit report and the CFPB does their due diligence. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ), furnishers of information to credit bureaus, such as XXXX and TD Retail Card Services, are required to investigate disputes and provide evidence to the consumer if their investigation finds that the disputed information is accurate. Moreover, the CFPB Complaint Process mandates that when a complaint is filed, the company must respond and provide supporting documents to both the CFPB and the consumer. This includes addressing specific allegations made by the consumer, such as the failure to send payment notifications. 

Despite these requirements, I have received no supporting documents or evidence that the disputed information was accurate. Below is my second letter to TD Retail Card Services, which explicitly calls out the statutes and regulations governing the response and documentation requirements.
Product: Credit card

On XX/XX/2023, American Express confirmed receiving negotiable Instrument NOT ( a company check ) payment for {$10000.00}. On XX/XX/2023, the payment was reversed because they identified the payment was made with an invalid payment instrument. however, they communicated that the negotiable instrument was returned due to it being denied by the bank, it was requested that they return the instrument and send letter of denial from third party financial institution and as of to-date I have not received either. 
As for the 1099a this form of payment was in credits from the Internal Revenue Services and was accepted and sent to American Express, if the credits have been returned, please provide me with the IRS form used, according to the IRS to accept or decline the credits, a form has to be completed. Please provide the information sent to the IRS to accept or decline payment credits. 
For American Express to credit my account AND send to negotiable instrument back so I can address the issue with the payment, it's only fair to return it and allow me to address the issue and fix it. If they aren't willing to return the negotiable instrument then credit my account because they have acknowledged of receipt of tender, the fair solution is to credit the account until they can provide proof of the denial of the bank letter or credit from the account of the 1099a from the acceptance from the internal revenue service.
Product: Debt collection

i was charged for a apartment debt, while i was XXXX in XXXX with the XXXX, i was protected by the military clause and they wo n't remove the debt.
Product: Debt collection

Multiple calls, multiple times a day, telling me ( wrong name, wrong email, wrong last four of SSN ) that I owe {$500.00} for a XXXX debt in like 2021. Said they are XXXX XXXX XXXX XXXX, debt collector on behalf of Affirm Incorporated. Definitely phishing for information, refused to stop calling me after I asked, were very persistent that the debt was mine ( I know 100 % that it is not and my identity has not been stolen ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for their failure to initiate a proper dispute process in response to my request to correct inaccurate information on my credit report. Despite repeated attempts to rectify this issue directly with XXXX, I have encountered delays and evasive responses, resulting in ongoing inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to XXXX regarding XXXX XXXX  Account number XXXX and XXXX  XXXX XXXX Account number XXXX. XXXX claims to have initiated a dispute process in XX/XX/XXXX, yet the status of the account has not been updated since XX/XX/XXXX. This lack of update indicates that XXXX has failed to effectively investigate and address the inaccuracies on my credit report. XXXX failure to properly initiate and follow through with the dispute process not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of the credit reporting system. Specifically, Experians actions contravene the following provisions of the FCRA : Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to conduct a reasonable investigation of disputed information upon receiving a consumer dispute. XXXX failure to update the status of the disputed account since XX/XX/XXXX suggests inadequate investigation and resolution of the dispute, in violation of this provision. Section 611 ( a ) ( 5 ) ( A ) : This section mandates that if the information disputed by a consumer can not be verified, the consumer reporting agency must promptly delete such information. XXXX failure to update the status of the disputed account despite ongoing dispute and updates to the account since XX/XX/XXXX indicates that the accuracy of the information remains questionable, warranting its deletion from my credit report. Furthermore, Experians repeated failure to address my concerns and provide adequate resolution constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( CFPA ). Therefore, I am demanding the following actions : The immediate deletion of the inaccurate and unverified account from my credit report. Confirmation from XXXX that the inaccurate information has been removed or corrected. Assurance from XXXX that they will implement measures to prevent similar errors and mishandling of disputes in the future. I am also requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that XXXX complies with the FCRA and CFPA. Enclosed are copies of relevant documents, including proof of my dispute submissions and correspondence with XXXX, for your review. Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries that i want removed Immediatrely.These accounts were never given my permissible purpose to furnish these accounts, furthermore they infringed upon my rights to privacy in pursuant to 15usc 1681 ( 4 ) these corporations have caused damage to me mentally and XXXX is said in pursuant to 15usc 1681 ( XXXX ) any transaction or experience should be excluded from my consumer report.THESE BANKS and lenders has also violated the billing error practice act in pursuant to 15usc 1666 they never gave me the right to opt out and are not reporting accurately i want these inquiries removed immediately as they are identity theft.I do not want my account closed i just want the inquiry deleted off my credit report.
Product: Debt collection

In XXXX I was a victim of identity theft and they opened an account with treasures on the bay. I have already sent letters from the FTC, I have called them and I have explained that this account was not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For this reason, under the FCRA laws that protect me as a consumer, I need XXXX XXXX Bank to delete that account from my credit profile. Thank you, XXXX XXXX
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1022.142 ( b ) ( 4 ) -5 -- 1022.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

An account was fraudulently open in my name at Synovus Bank. I was made aware after the account was overdraft. I went to the ban on several occasion, Met with different bank managers who guarantee me that it would have been address and since XX/XX/2022. To date I've been getting collection letter and reporting to Synovus letting you know the situation the isn't resolved..
Product: Credit reporting

Equifax has failed to validate a debt that i request validation nor have they sent me proof of such verification. Furthermore XXXX XXXX is asking me to send them information in order so they can process the dispute.So far this account is unverified and must be deleted.How can Equifax validate this debt when XXXX XXXX is asking me for information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted capital one regarding a credit inquiry on my XXXX credit report. Capital one could not find this inquiry in there files and stated for me to dispute with the credit bureau. I disputed with the credit bureau and it keeps coming back as verified. Capital one stated they do not have a credit inquiry in there file for XX/XX/2019 for me. I want the inquiry removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the worst customer service ever, they are very rude and do not follow the FCRA!! They lie and never investigate with real people they use automated service to handle investigation! A real human would see these accounts are inaccurate! I have call so many times for months with horrible service and I sent multiple letters snail mail for 6 months and they refuse to help me during this pandemic! They are the worst every with disputes because no human being actually looks at your letters they use a computer to verify. I feel betrayed and discriminated by this company. They make money from keep my credit report inaccurate Equifax reopened and reaged this account US DEPARTMENT OF EDU XXXX the account status is wrong also The balance owed and amount paid are all completed inaccurate!! 

The balance and past due on on US DEPARTMENT OF EDU XXXX is wrong it is inaccurate! Equifax update false information without doing a real investigation in the inaccurate information! 

The reported balance and past due amount on XXXX XXXX XXXX XXXX is inaccurate and very wrong. Also the payment history is fabricated and incorrect. Equifax did not do any real investigation at all. It like they use some automated service with not real hands on person!! 

Equifax are falsely reporting DEPT OF ED/XXXX XXXX there is absolutely no history or balance on this account it shows {$0.00} with no payments but they are keeping it to hurt my credit. 



Equifax are falsely reporting DEPT OF ED/XXXX XXXX there is absolutely no history or balance on this account it show {$0.00} with no payments but they are keeping it to hurt my credit.
Product: Money transfer, virtual currency, or money service

Trying to link PNC bank with XXXX app, digital assets. Unable to do so XX/XX/2020 2020
Product: Checking or savings account

I dont recognize a charge of XXXX dollars made in XX/XX/XXXX from a place in XXXX XXXX XXXX '', I was here in Texas that day so I couldn't have paid that. My bank account went below XXXX. 
I've disputed this twice with Wells Fargo and they dont see an issue, theres no explanation why and I still have no idea who charged me. 

This same company also charged me on XX/XX/XXXX for XXXX, the method on that one says " card inserted ''. 
But the XXXX transaction didn't have the same method, and I don't recognize any of these two payments.
Product: Mortgage

I tried to short sale my home XX/XX/XXXX due to financial hardship. BofA agreed to the short sale but there was a purchase money XXXX mortgage ( also with Bank of America ) and they refused. The home went to foreclosure XX/XX/XXXX and sold back to original investor XX/XX/XXXX. BofA keeps reporting a balance due on my credit report which is harming my credit score and Inaccurate. In California Purchase money XXXX mortgages are supposed to be charged off when the property is liquidated. There is no recourse in this state. They are reporting a charge off but with a Balance. They keep changing what there reporting on my credit also. I have XXXX credit reports with them reporting different things on each one. I feel like there purposely trying to damage my credit by repeatedly reporting wrong dates and balances. I 'm sick of dealing with BofA, they are crooks!
Product: Credit card

The first issue is that on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  charged a {$660.00} monthly interest charge to my account on a balance of approximately {$1500.00}. That is something like a XXXX XXXX APR. I never agreed to a XXXX XXXX XXXX and I never would agree to a 400 % XXXX. I'm pretty sure such an APR would be illegal. The second issue is that XXXX charged me {$120.00} for a monitor on XX/XX/XXXX. I returned it within their return policy guidelines, they accepted the return and told me they issued me a refund. But I never received the refund. I made countless attempts to ask them to process the refund, but they never did. Those attempts do not include the many attempts I made to ask them to rectify issues with faulty products and false disclosures their customer service representatives made to me about their products before I purchased them. 
The following is the order, return and credit order info for the monitor that was never refunded : Order # XXXX Tag : XXXX XXXX XXXX XXXX XXXX Pay {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delivered : Monday, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Student loan

A 60 day late was reported for one of my accounts while my account was in forbearance last year ( XX/XX/XXXX ). A late should not have been reported as no payment was due, and when payments resumed, all payments were made on time. I spoke with a XXXX XXXX representative and they went through my account to confirm this with me. 
The 60 day late reported XX/XX/XXXX. I made a forbearance request payment on XX/XX/XXXX and XX/XX/XXXX. ( I requested forbearance for two accounts, two times in a row at $ XXXX/each ). I believe this issue may have been a result of my account having previously been in forbearance with another forbearance requested immediately after. The dates are as follows : Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payments for the account resumed XX/XX/XXXX. 
I am requesting that you please look into this and remove the late with all three credit bureaus.