23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting

I am writing to dispute the account currently being reported by XXXX as referenced above. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to the collection company listed above in this letter. 
The FCRA requires Experian to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Experian to remove this item before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. This installment account I've had for years and is an automatic debit to my checking account for the montly payment and recently I saw that in my credit report, the account was about to become a charge off. I called the bank and have not been able to get a clear answer. Then I have tried to dispute it to the bureaus with all the evidence that I have from the bank and I have not heard or had a response from the bureaus or the bank. 
I had to make a formal complaint to State Financial Institution regulator in order to complain on the mishandling of my financial information. This violates my rights as a consumer to have the correct information being reported on the credit report. 

Attached all the evidence. 

Please advise,
Product: Credit card or prepaid card

Capital One Fraud department called me on Sunday XX/XX/2023 and left a VM that they were following up with me regarding opening up an account. Capital one also called my mother and left the same VM. The card is a credit card. On Monday XX/XX/2023 I called Capital One Fraud department and they advised that someone fraudulently completed an application in my name.
Product: Student loan

I am a XXXX  eligible for public service loan forgiveness and have approximately 14 payments over now 9 years that are not eligible to count towards the 120 payments due to administrative forebearance during which time the program was processing my income verification almost annually. I have been informed that these payments may be eligible if the loan services will allow me to make the payments retroactively that should have been due during those times. Fedloan agents have told me this is not an option. How do I determine my rights related to those payments?
Product: Checking or savings account

I disputeed this before. Basically what's going on is I mobile deposited a check on XX/XX/XXXX. According to the bank website, the mobile deposit would have cleared in 3 days especially with my job who uses PNC. Pnc then informs me after I received a provisional credit from some other dispute that shouldn't have happened because they were supposed to close my card, when I get the proofessional credits they hit me something that said the same. Check that I mobile deposit on XX/XX/XXXX. Was again cash on XX/XX/XXXX which is past the 3 days. That the website states. So after reviewing because of the cfpb, the bank states that they can't give me back my money because the check was cashed twice. However, with this being said, your website said it would be completed in 3 days. The XXXX in XX/XX/XXXX is three times as much as 3 days they are going against what the website says and not giving me my money. I have had this bank account for about maybe 2 months and I have not been able to access any of my funds because there's always something wrong. I feel like this Bank does not have my back. I feel like this bank is just holding my money up. I told I asked them if I should lawyer up and they told me that there was nothing that I would be able to do. Anyway. This is XXXX  wrong, especially going against your own words. I need something done because I have not been able to access any of my funds on this account to even transfer it out
Product: Debt collection

On XX/XX/2021 I applied to XXXX  XXXX XXXX and was told there would be a {XXXX} deposit and {XXXX} application fee, I was told if I was denied, I would receive {XXXX} back and they would keep the {XXXX} application fee. I was denied that same day and told to wait a month for my {XXXX} deposit to be placed in my account. I waited a month and contacted the office, they kept giving me the runaround. Saying it would be mailed to my address. 2 months later I contacted my bank to file a claim for my {XXXX} deposit. On XX/XX/2021 I filed a claim for {XXXX} claim # XXXX. The bank put the original charge of {$XXXX} into my account. I advised them I only wanted my {XXXX} deposit back. They can not do partial payments for claims, so on XX/XX/2021 the bank reversed my claim and returned {XXXX} back to XXXX XXXX XXXX. This company actually owes me my {XXXX} deposit back. My bank has confirmed that this company has my {XXXX} and owe me my {XXXX deposit back and now they have sent me to collections trying to get another {XXXX} from me. They are also claiming I owe {XXXX} in move out fees. I never moved in. Please help
Product: Money transfer, virtual currency, or money service

Purchase a puppy from an online breeder. Payed with Zelle. Paid {$850.00}. 
XXXXXXXX XXXX wanted money for a larger crate. {$1600.00} No puppy came and no refund. Then they wanted more money for insurance. 
I have emails, text messages and pictures I have filed with the local police and tried to get the bank to stop payment or refund
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I - Inquiry date - XX/XX/2020 This is not my inquiry. This needs to be removed from my credit report.
Product: Student loan

In XX/XX/2003, Pennsylvania Higher Education Assistance Agency ( PHEAA ) received a ( product of identity theft ) Federal Family Education Loan Program ( FFELP ) application and Master Promissory note. The Master Promissory Note states that the lender is XXXX XXXX and the guarantor is American Education Services ( PHEAA ). The educational program is XXXX XXXX College. 
This appears to be a successful scheme to defraud the borrowers. The application was NOT sent to XXXX XXXX but directly to PHEAA 's XXXX PA address. According to PHEAA, the loans were provided by American Education Services ( PHEAA ) as a private loan and were later directly consolidated by PHEAA 's private trust. Since the private student loan is NOT a Federal Student Loan and did not involve XXXX XXXX as the lender, the borrowers were not aware that the protection of a Federal Student Loan program were denied them in this process. 
PHEAA then implements fees, costs and penalties outside the Federal Student loan protections and without consent or knowledge of the borrower. 
I have requested a copy of the agreement between XXXX XXXX ( and any subsequent SEC filings for the agreement ) through the Pennsylvania XXXX office and PHEAA has denied the request. 
PHEAA then utilizes the fraudulent Federal PLUS loan Master Promissory Note to obtain Department of Education tax offsets and wage garnishments from the borrower for private loans in violation of Department of Education rules. I was told by a Department of Education Loan Analyst that this is a " handshake '' deal with PHEAA. 
The scheme is initiated by the alleged agreement between XXXX XXXX and PHEAA to defraud borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a written request for a full-file disclosure pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) to Experian. I received a document titled " Your Credit Report '' dated XX/XX/XXXX. 

It contained three names, an address, a year of birth, and the last four digits of a SSN. I disputed the SSN and one of the names as not mine in writing on XX/XX/XXXX. 

On XX/XX/XXXX I received a document titled " Dispute Results '' stating that an updated copy of my credit report was enclosed ( there wasn't one ) and that the disputed name and SSN were not deleted. 

Experian is choosing to keep inaccurate information about me in its files. Isn't this a violation of the law?
Product: Debt collection

I have this phone company XXXX they are giving me a collection that I owe them money and which I dont I paid off it was like seven years ago and I am dispute like two times but it didnt work so Im  complaining about that I dont owe any money for thatAnd before that they called me a couple times I was trying to explain to them and approve them that I paid off it didnt work also
Product: Mortgage

I called Amerihome/XXXX  XX/XX/XXXX to inquire what they needed for proof of paying my Property taxes, {$7100.00}. I sent them a copy of the statement from the county, the tax receipt, and copy of my check, which cleared the bank on XX/XX/XXXX. 
I received an email from Amerihome on XX/XX/XXXX stating they made the payment on XX/XX/XXXX. 
I called them on XX/XX/XXXX, confirming what I sent was received and my account noted that I was paying my property taxes. They gave me no reason why they paid it when there are clear notes that I had already paid it. 
So, they sent me a statement for the XXXX mortgage payment of {$2600.00}, they added the Property taxes ton my payment! My normal payment is {$1600.00}. I made it very clear to them that I would only pay my regular mortgage payment. 
I spoke to someone at the mortgage company on XX/XX/XXXX stating that she saw the work order seeking the refund from the county. They are waiting for the refund, and my escrow account is in a negative status. Well, that's due to Amerihome not reading the account notes before making payments! 
I made it clear that I would only be paying my regular payment, and no penalties are to be associated to my account. They also said I couldn't get an escrow waiver until they receive the refund. 
As of today, XX/XX/XXXX, it still hasn't been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have been trying to fix this problem for almost 2 years now. every time I apply for credit no one is able to pull my report from Experian. I have a free account with Experian and I'm not able to see any updates since XX/XX/2021. 

I have called numerous times for over a year and the problem is not solved. I've even updated all of my information per their request, they claimed that it would be fixed and I will have access to my credit report, but that was almost 2 years ago.
Product: Mortgage

my husband had a XXXX XXXX XXXX and I needed to remodify my loan my husband who was the bread winner of the family would n't be able to work any more and we were living on my XXXX/ of XXXX a month we went from XXXX to mine over night. I filed they said to skip three months I was learly but I followed the instructions to the letter and they put our home in foreclosure and we almost lost it I called and wrote senators and govenors and even the president they a even tacked about XXXX to my loan after about three months of doing this,, this was wrong and needless and needs to stop, it was citi mortage account XXXX why is this happening to people? and can we get the money they conviently took from us my husband died XXXX XXXX and the stress of this did n't help I sold my home and moved to XXXX where I have just file a complaint with XXXX,,
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 



XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to show irresponsibility with handling private consumer information. I had to freeze my credit with all credit agencies due to the security breach at equifax. Last summer, I temporarily lifted the freeze, with an end date of XX/XX/XXXX. Today, XX/XX/XXXX, I went in to my account to again lift the freeze and the system said the lift was still active with end date of XX/XX/XXXX. I placed the new temporary freeze lift, which replaced the old one, but I assume my credit was left vulnerable all this time. I want Equifax shut down or I want a way to permanently delete my files from their records. They can not be trusted with my information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a letter was sent to this company demanding verifiable information proving that this account belongs to me. This corporation did not send me any paperwork or information that would allow me to confirm that these accounts are mine.
Product: Credit card or prepaid card

I logged into my account today after an attempted transaction on my card today failed. I noticed that my account was closed, which I had not requested.  I called Barclaycard and the representative informed me that the card was voluntarily closed and I should have been read some terms when requesting the account to be closed. The bank closed the card without my  permission and marked it like I requested it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : - XXXX || ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

1. Timely Payment Made XXXX  Account Number : XXXX Please remove late payments and update account 2. Validate Account XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

4. XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

5. XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

6. Timely Payment Made XXXX  Account Number : XXXX Please remove late payments and update account XXXX. The following is an invalid late payment XXXX XXXX BANK XXXX Account Number : XXXX Please remove late payments and update account 8. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 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 seven 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.
Product: Checking or savings account

Robinhood offers the option to purchase ETH. I purchased ETH XX/XX/XXXX and sent it to a provided address for trading. 

XX/XX/XXXX, Robinhood restricted my account. I called Robinhood support and answered their questions. They asked me questions about who I was sending it to, why, which is really up to me who to send it to and how I want to use whatever I've purchased. And asking me questions as if I've done something wrong, which I asked the Robinhood Support rep, " did I do something wrong ''. He said no. 

They then asked me for several documents. They asked for my bank statement, which I provided, drivers license, which I also provided. They also asked me for my bank statement from XXXX XXXX. I informed them that XXXX XXXX no longer exists because they were bought by XXXXXXXX XXXX This is actually public knowledge and can be looked up. But Robinhood asked for a letter. I went to the bank, and XXXX provided me the letter they sent to everyone previous XXXX XXXX customer that they were now taking over in 2021. I provided them the letter, they did not accept it because it was a picture of the letter and not a PDF. I scanned it and they said no, I've also uploaded it as a PDF.

Then Robinhood asked for my bank statement from XXXX. I explained again that XXXX is no longer, but XXXX gave me my last statement from them. Robinhood asked me for my recent bank statement again, which I had already provided. 

Now, in XXXX my account is still restricted and on the XXXX ( yesterday ) they are asking me for " a closure letter for the bank account ending in XXXX '' which was my XXXX account and another bank statement. I already sent them all of this. I called support and I have received rude representatives. 

They are not listening to me or accepting what XXXX has provided me. I asked for a manager to call me and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX Account # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you