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

This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Product: Credit reporting or other personal consumer reports

In late XXXX, my landlord had filed an unlawful eviction notice and I was the only one in my family making income during the midst of a global pandemic, and while my family and I were in shock, I decided to pursue buying a home, and a lender asked to pull my credit. i am an individual who mostly uses my debit card or cash to pay bills and have only had 1 or 2 credit cards and would pay in full and not be involved in my credit as there was no need. When the lender pulled my credit, they told me I had two charge-offs on my credit reports for XXXX, XXXX, and Equifax and I was taken back and completely caught off guard. The two charge offs were from XXXX XXXX XXXX or XXXXXXXX XXXX both of which I have never opened a credit card with, never authorized, applied, or used from either company. For almost a year, I disputed the fraudulent accounts with the credit bureaus by sending debt validation letters, proof of debt, wet ink signature, method of application, statements, charges, etc. and an explanation on how the credit bureaus can continue to report fraudulent accounts I never authorized and was not aware of. I decided to also file an identity theft police report, which was approved by the XXXX XXXX Police Department and also changed passwords on the two cards I had, placed extended fraud alerts on all three bureaus, and made sure my personal information ( which was a mess, incorrect names, old addresses, old phone numbers and incorrect employers I had never worked for ) was up to date and accurate to ensure the accounts got removed. No credit bureaus removed the accounts after seeing an approved identity theft police report, which I sent and attached to my dispute. I have filed another identity theft affidavit and I am asking the CFPB to remove both fraudulent accounts by XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  on all credit reports and immediately updated as deleted. I will not tolerate FCRA violations, and both these companies harassing me and sending me debt collection letters on accounts I never opened, authorized, or even knew existed. The CFPB has a legal obligation to force the credit bureaus to remove the two charge-offs and allow me to properly build back my financial picture which was damaged at no fault of my own. I will provide as much documentation I can to help this process go smoothly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, I contacted Experian through the automated system in which they have. The system provided me a confirmation number and informed me that my credit report would be sent to me. Note that at the same time, I requested a report from both XXXX and XXXX, both reports have already been received. 

Obviously, Experian is slow and dysfunctional.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

After my first direct deposit they suspended my account and will not let my access my funds, I did nothing wrong!
Product: Debt collection

cmre financial service acct no. XXXX is attempting to collect a debt that was covered by insurance at time of service.IT IS WRONGFULLY APPEARING ON XXXX CREDIT BUREAU
Product: Debt collection

Portfolio Recovery Associates, LLC Corporate Services Company XXXX XXXX XXXX, XXXX XXXX, LA XXXX To : The Office of Registered Agent for Portfolio Recovery Associates, LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  XXXX XXXX. is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX
Product: Checking or savings account

I opened a dispute on XX/XX/year> with claim number XXXX for an item I returned but did not get the refund. I provided a tracking number to chase but my claim was originally denied. I was told I needed to provide more proof. I then uploaded a screen shot of the tracking page showing delivered and the tracking label they company provided me. All proof indicates item was delivered and they still denied my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided documentation of XXXX to the agency. I have attached a documentation of my self attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to XXXX beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I received notification that a hard inquiry hit my credit report. This was not authorized by me and I did not initiate the request. I reached out immediately and did not receive a response. I received a call the next day asking if I wanted to finalize the loan. Of course I said no and explained what happened. She said someone would contact me with more info. Nobody ever followed up. This is the second complaint Im filing because they closed the first XXXX due to insufficient information. I need this removed off my credit report immediately, for you to remove my name and info from your system, and to know who authorized this and any information along with where they tried to have the money sent so I can open a formal identify theft investigation. 

DO NOT close this complaint. I have included my contact information. There is not a loan number to include since it was not successfully opened. However, I still need this corrected and for it to be removed off my credit report. I am now seeing it listed twice.
Product: Credit reporting or other personal consumer reports

fraudulent accounts have been opened in your name due to identity theft, likely as a result of the XXXX  XXXX XXXX XXXX. Despite notifying TransUnion and requesting that these fraudulent accounts be blocked and removed from my credit report, they have failed to comply with the Fair Credit Reporting Act ( FCRA ) and other relevant laws, which require these actions within a specific timeframe. As a result, my credit report remains negatively affected. I am now demanding that TransUnion take immediate action, or i will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to resolve an error on XXXX of the credit account on my credit report for over a year now. my XXXX account has been falsely showing that it was charged off. This account was never charged off and I actually paid this account in full on time. Ive disputes with XXXX and they responded to me by saying they are not reporting my account as charge off and that this is an error made by the credit bureaus. Ive disputed with Experian, XXXX, and XXXX and they all refuse to update the account to the correct status. This account is still to this present day causing my score to drop and I need this fixed asap. Its incorrect and has contributed to the difficulties of getting approved by any lenders for any type of financial loans.
Product: Credit card or prepaid card

USAA credit card company has a policy that states : Per the Credit Card Agreement If your Account is eligible for our " Pay-Ahead Program, '' whenever you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the Minimum Payment Due displayed on the first page of your billing statement, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the " Important Account Information '' section of your billing statement. Remember interest charges will continue to accrue in accordance with the terms of the Agreement.

USAA is suppose to contact me via email to let me know my statement is ready for viewing and that I have a payment due. They have not been doing this even though enrolled per their website. They avoid telling me I have a payment due or balance which allows them to charge finance/interest charges without me knowing of my balance. No communication can be done via their website or email so that there is a record. 

I have always paid my balance in full- with this program- they stipulate I do not have a payment due even though my balance may be hundreds of dollars. As it states they may enroll me in this program WITHOUT informing me of it. 

My complaint is this is a devious attempt to charge finance/interest charges without the card user having knowledge of their balance and that the card user has not been informed of being enrolled in this program.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, nor have I ever engaged in any type of business with these unauthorized and unknown companies. I'm demanding that the credit reporting agencies provide me with A Method Of Verification used to report such accounts on my report. These accounts shall be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX {$670.00} 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Transunion is no help with this severe issue. I have submitted several disputes since it first appeared on reports. They refuse to provide me any proof of this being accurate because its not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9100.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent a letter regarding inaccurate, unverifiable and unknown items on my credit report on XX/XX/2021. To date, it is 60 days later and I have not received a response yet. I am now beginning to feel like my disputes are being ignored and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, Transunion, and XXXX. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX, Transunion, and XXXX has reported differently. For instance there Updates are not reported the same as they should. XXXX has charge off, Transunion has charge off as bad debt, XXXX has unpaid paid balance reported as a loss by creditor grantor. Closed Date ; XXXX has none, Transunion has XX/XX/2021, XXXX has none. Balances : is reported wrong XXXX has none, Transunion has {$320.00}, XXXX has no balance. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account Name # XXXX XXXX XXXX. 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. 1681c ( a ) ( 5 ) States : No consumer agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Product: Mortgage

I received a misdated letter claim form from Ocwen mortgage company which I filled out and returned on XXXX XXXX, 2015. My tracking number is XXXX. I have been calling on a regular basis and always receive the same answer, that it is under review. This claim form involved a payment ranging from {$300.00} to {$3000.00} per loan for misdated letters which negatively affected me during a short sale
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have been victim of Identity fraud. I am writing to dispute an item that appeared on my credit report. This account was opened in XX/XX/2014. I made several attempts to remove this item. It was removed then reinserted into my credit report without proper notification.
Product: Debt collection

repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. this debt collector has violated the Debt Collection Rule12 CFR 1006.14 ( b ) ( 2 ) ( ii ). They have called a total frequency of 13 times in a 7 day calendar period. 6 times over the rule.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation and correction of inaccurate reporting on my XXXX student loans. I have noticed that my credit report incorrectly lists several of my student loans as past due for various months. 

These entries are incorrect and negatively impact my credit. Below are the details of the discrepancies : 120 Days Past Due : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The XXXX loans affected are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of specific accounts and inquiries from my credit report due to a data breach that has compromised my personal information. I am a victim of identity theft, and as such, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to remove all fraudulent data from my credit file.

Please block and delete the following accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX - XX/XX/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 XXXXXX/XX/XXXX