23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened account at my local Umpqua Bank XXXX the XXXX because I took out a lawsuit loan from XXXX settlement loans to able to receive the wire transfer. My partner and I were in court for a XXXX weeks and had to borrow a lot of money to get through those XXXX weeks of not working. I received the transfer on XXXX for {$8000.00} with no problems, I was going into the bank withdrawing {$1500.00} - {$2500.00} each day then on XXXX the XXXX of XXXX I received the second transfer from XXXX for the same amount when I attempted to pull money out the manager from the Umpqua bank in XXXX Washington told me the money transfer was still pending and it wasn't available until the coming XXXX. What she didn't tell me was that she froze my account and still hasn't given any information as to why. On XXXX the XXXX I went to talk to her gave her copies of the loans and receipts from XXXX confirming the XXXX transfers were loans to me. I haven't been able to go to work because I have no money I told the manager that and she asked me how much I needed I told her XXXX she then Tells me she's sorry but can't.
Product: Credit card or prepaid card

I have new and updated information concerning my previous complaint based on the creditors response. 
Pursuant to 15 USC 1637 ( c ) ( 8 ), I am requesting that American Express provide me with the written application I made to them for the credit card ending in XXXX, written proof of my income at the time of application or a written application of the cosigner who applied for the XXXX XXXX  credit card with me. 

I am also requesting a copy of the application for the American Express XXXX credit card I was issued before the XXXX from American Express credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In violation of 15 USC 1681, my social security number, date of birth, driver 's license, and other information was exposed in the XXXX, XXXX, and Transunion data breaches where hackers stole billions of people 's personal and private information, including mine. Fraudulent accounts have been opened up and operated in my name. Therefore, hackers and imposters have been illegally using my information without my permission or knowledge. I need all XXXX of my reports wiped clean immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report by the FCRA and the accepted STANDARD of metro 2 data field reporting. If any claims have not been proven to be correct, I request that they be removed. I understand that according to federal and state law, it is important to report any allegations accurately and completely. Therefore, I can not accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations as they are unsubstantiated. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXXXXX XXXX, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.

Thank you for your attention to this urgent matter.

Sincerely, Students & Graduates of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I created an online account with experian to monitor my credit history. In XX/XX/XXXX I stopped receiving alerts but I did not panic. I figured there were changes to report by experian. On XX/XX/XXXX I attempted to log in to my experian account and my password was not accepted, therefore I submitted a requested to changed my password by clicking forgot password. The password was sent to an email address that does not belong to me, so I notified experian immediately. I began receiving correspondence from experian regarding the matter. I explained the situation and requested that the account be closed by experian. In XX/XX/XXXX I received a call from an experian rep name XXXX. I again explained to him what took place and asked him to close the account. Nothing has not been done. I am still asking experian to close the account because the identity thief/hacker has all of my personal information and has hacked my experian account and they refuse to close the account. Experian continues to request that I pay for credit monitoring alerts instead of permanently closing that account t and not allowing another account to be opened. Please force experian to close the account. I have all of the email correspondence with experian beginning XX/XX/XXXX to present.
Product: Debt collection

A subpoena letter was sent to my workplace by a debt collection lawyer in Ohio ( XXXX XXXX XXXX ) regarding a debt accrued by a person with a similar name as me. The subpoena included my name, along with a couple aliases that do not match my name. When my office manager called this law office to see why they were asking for information about me, they gave her MY social security number and told her to fill out paperwork regarding my personal information ( i.e. address and phone number ), but would n't elaborate as to why. As it turns out, they have my social security number linked with a person who owes them money, even though this person is not me, and I have never even been to the state of Ohio. The person they are searching for has a name very similar to mine, but has a different middle name. I looked this person up online ( which took a grand total of 5 minutes ) and found the person they are looking for, as well as a list of places she has lived and where she currently lives. None of these places are even close to the state in which I live. I checked my credit report, and all three of my scores are in the XXXX 's and there are no suspicious accounts opened under my name. Thus, I am assuming that either 1. ) This person stole my social security number and accrued debt using it, but it just has n't shown up on my credit report, or 2. ) These lawyers are just randomly searching for people with my name, and somehow have a way to obtain my social security number. Then they are trying to saddle me with this person 's debt without actually researching who this person is. Either way, I do not owe a penny to these people, and request that they quit harassing me and quit writing subpoenas to my workplace. I have filed an " Identity Theft Affidavit '' with the IRS, as well as an affidavit with the Federal Trade Commission. I have also filed a police report and have submitted my identification. Once the police report is finalized, I would be happy to submit that as well. The amount of time I 've had to waste because this company could n't do a five minute google search, is really ridiculous.A colleague of mine told me to file a complaint with the consumer financial protection bureau as well, in order to get this company off my back. I am requesting that Keith Weiner Law be forced to stop linking me and my social security number with someone who is clearly not me. In my opinion, this company is just taking shots in the dark in order to collect this woman 's debt, and they should be held accountable for trying to saddle some innocent person with someone else 's debt, just so they get paid. 

The contact information for the law firm is : Keith D. Weiner & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I received an alert on my XXXX credit reporting app about a Hard Inquiry that was placed on my credit report by Comenity CapitalXXXX XXXX It was after hours so I had to wait to file the dispute over the phone Monday morning during XXXX 's business hours. When I called. they advised that the card was opened by a sporting goods store and that I would need to file the dispute with the store. XXXX started the dispute process and found it to be fraud and had the inquiry removed. I located the contact number for the company, now known as XXXX XXXX XXXX. I live in XXXX  and they have no locations in PA and I had never heard of them. When I called the company they confirmed that the card was opened online using my personal information. When I told them I had never heard of the store, never even got a card, nor an email, they confirmed that the email on file is not my personal email. I requested the account be closed as fraud and they advised that they would note the file. I also requested documentation be sent in the mail confirming the fraud and closed account and that is pending. I then went into my local police station to file a report for identity theft. Their office told me they do not release those reports unless they receive a subpoena, but that I could submit the record # to the local Social Security office and that report would be on file, should I decide to file for a new SSN. I also alerted my banking institutions. 

Coincidentally, my cell phone provider the day before this happened ( XX/XX/XXXX ) advised that their network was accessed and my CPNI was released, but no " personal information was leaked ''. Then, 24 hours later, someone used my SSN to open a credit card online. I called them immediately to advise that I think their breach was more than compromised and they have assured me that it was not ; I am, however, skeptical given the timeline of events. 

I have copies all my credit report and the report # should anyone need it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they 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 from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX. Box XXXX XXXX, TX XXXX Dear Experian, Potentially Negative Item in Experian Credit Report XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent Experian credit report contains Potentially Negative item reported for my XXXX XXXX XXXX XXXX Credit card account. XXXX Refer attachment Experian credit report number XXXX ) I already made a complain to XXXX XXXXXXXX XXXX though CFPB XXXX Complain ID XXXX ) Since XXXX Open and Negative item reported more than 7 years Please remove this Potentially Negative item on my Experian Credit profile. 
Thank you for your consideration, and I hope youll approve my request. 


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

send Transunion, XXXX  and XXXX a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work on my credit for a couple years. I hate to report this, but XXXX has not been updating my credit. I have made several payments on my XXXX account and they have never updated my balance. I filed a complaint with Experian and Experian claims that my balance is legit. How is this possible? XXXX keeps reporting that I am at or over my limit. I have never been over my limit! In fact my current statement shows my account balance at {$1500.00}. My line of credit is {$2500.00} ; so literally falsly reporting on my report nearly {$1000.00} of a difference. Statement will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I XXXX XXXX sent multiple letters and complaints about this XXXXXXXX XXXX XXXX XXXX that's connected to an address that I do not know. The date this account was open XX/XX/2017. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me XXXX XXXX. As Stated in 15 U.S. Code 1681c1 XXXX XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.
Product: Vehicle loan or lease

XX/XX/2018 - sent letter to car dealer and loan provider asking them to verify i accurate reporting on my credit file. 

XX/XX/XXXX- sent letters to XXXX , XXXX , and XXXX asking them to remove this from my credit file since i have recieved no reponse. 
after no reponse from loan holder i sent second letter demanding loan holder to provide me with valid documemtaion that they are reporting accurate information on my credit report. 

XXXX XXXX- lender sent me copy of original sales contract and title registeration, but didnt supply me with proof they followed law after repossession is what i requested of them! 


A lender must follow these rules after a vehicle repossession. 
1. A written notice of Sale within 10 days before propossed sale of car.

2. After a car is sold a lender is then required to send a second notice stating the amount that lender credited you from resale as well as a cancellation notice of the original sales contract.

I demanded proof that the repossession was legal in accordance with the UCC : 9-506 Effect of Errors or Omissions 9-611.Notification Before Disposition of Collateral 9-612 Timeliness of Notification Before Dispostion of Collateral 9-613 Contents and Form Of Notification Before Disposition of Collateral
Product: Debt collection

I changed phone providers XXXX. I received a closing bill from XXXX wireless that included monthly service fees through XXXX/XXXX/15. XXXX agreed to prorate those charges. When I received the new bill the data charge of {$140.00} was not prorated so I withheld it from my remittance. I was referred to debt collectors even thought the charge was in dispute. My credit report has been impacted and XXXX is still trying to collect {$50.00} that they agreed I did not owe.
Product: Mortgage

I had XXXX twice this year, once in XXXX and in XXXX. Around XXXX or XXXX I called in to ask for a forbearance and the call rep said I was not eligible because I was not late on payments and did not test positive for XXXX. Got XXXX in XXXX and called in and got a forbearance they sent me a letter saying I had XXXX months of forbearance and when I called at the end of XXXX months to make my payment they wanted me to pay more over XXXX months but I was not able to do so at that time and now they say that I might get foreclosure if I dont pay full amount I also tried to fill out home owner assistance fund XXXX after my first XXXX and answered all questions honestly and they denied me so I would like to file a complaint on both parties
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, via my " XXXX '' security company, I took a look at my Credit Bureau Accounts. I noticed that " XXXX '' is listed on my Credit Bureau reports. I have not ever contacted this company to request credit. The documentation states that the account was opened on XX/XX/XXXX and has a credit limit of {$2000.00}. I suspect that this is an attempt at identity theft or fraud. How can I get this information removed from my records provided by the 3 major Credit Bureaus? 

I looked online and discovered two possibilities, which may be of assistance to you. They are as follows : CBNA -- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( or ) XXXX XXXX  XXXX, XXXX XXXX, SD XXXX AND XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Phone Number ( XXXX ) XXXX ; FAX Number ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Debt collection

The bills that I have been paying on are extremely old. I pay {$100.00} a month and never seems like I'm getting anywhere. This company either is not applying payments to my account or is charging outrageous fees to where I can not get out of this debt.
Product: Checking or savings account

Ive called to turn off over draft fees they said I couldnt Ive paid over draft fees multiple times from being over drafted sometimes very few dollars for days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX  Account name XXXX XXXX XXXX Account number:XXXX XXXXXXXX U.S.C 1681 Section 602 A4. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting 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.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : -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.