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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00}
Product: Checking or savings account

Date of Incident : XX/XX/year> Company Involved : XXXX XXXX in Dispute : {$1200.00} I am filing this complaint regarding an issue with overdraft fees and their reporting on my credit file by XXXX. As of XX/XX/year>, my account reflects a balance of {$1200.00} due to overdraft fees, which I believe contain errors and do not accurately reflect my account activity.
Product: Credit reporting or other personal consumer reports

fraudulent claims and information on consumers fake transactions, scams, or any activity where someone is trying to cheat or steal money by using dishonest means ; essentially, if you believe someone is trying to gain something through deception, this is fraud
Product: Payday loan

On Friday, XXXX XXXX, at approximately XXXX, I entered the location of Express Check Advance, located at XXXX XXXX XXXX., XXXX, MS XXXX and received an Advance Payday Loan in the amount of {$400.00} ( XXXX Dollars ). I wrote them a check in the amt of {$480.00}, on my legitimate checking and open acc't at my Credit Union . The next business day which was Monday, XXXX XXXX, 2016, I ret 'd to this same location to return and/or pay off the loan. I was not allowed to pay back the {$400.00} without paying the {$80.00} fee. This was also, done against my Wife, which I attempted to pay off both our loans. I was told that I had to do this kind of transaction on Saturday, XXXX XXXX, 2016. They have a sign posted in their place of business, stating that you can return or pay off the loan, without paying the fee if you do so on the next BUSINESS DAY. Saturdays, Sundays and Holidays are not BUSINESS DAYS ... .PLEASE CORRECT ME IF I 'M WRONG. I have been trying to call their Main Office and the Association that they are a member of since XXXX XXXX, 2016, and no one has returned my call nor answered my email to settle this matter ... The Loan is coming due again on XXXX XXXX, 2016, but I do not get paid until XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had two Citibank private student loans opened on XX/XX/XXXX, and XX/XX/XXXX. I was paying the loans until I was laid off from my job and without income around XXXX when I ended up filing for Bankruptcy. I explained I was not working but they would not reduce or stop the payments. The loans were closed on XX/XX/XXXX. The original loan amounts were {$3500.00} and {$6500.00}. My remaining balance owed was {$2000.00} and {$3800.00}. The amounts being reported on my credit report every month are $ {$6500.00} and {$12000.00}. I wanted to see how I could fix this but the information on my credit report for the address and phone number for the lender is XXXX XXXX. When I called XXXX XXXX they said that they no longer have my loans because Citibank took them back on XX/XX/XXXX. They gave me three numbers for Citibank. I call these numbers and each time I was told they don't handle student loans and they would transfer me to another department. I was then transferred back to XXXX XXXX to another agent who said they don't have my loans and she gave me the same numbers back to Citibank. How can XXXX keep putting these amounts which are way more than I even owe on my credit report each month if they don't even have the Citibank loans? I have no way to resolve this as Citibank also says they don't service the loans anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/JCP XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$100.00} XXXX XXXX : {$100.00} {$100.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXXonXX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian since XXXX of 2020, in addition I called XXXX dispute number. I was placed on hold 2 transferred and hung up on after being told someone would immediately update my errors in my Credit File. My Bank has submitted a XXXX balance for my loan through the XXXX XXXX XXXX XXXX, since XX/XX/2020. Experian reports that my balance is maxed out. In addition they are reporting that my credit card balance is XXXX dollars for the same creditor it is also XXXX and has been for over 60 days. This is impeding my ability to obtain a home mortgage a negatively impacting my FICO score and debt to income ratio. In addition there is an duplicate entry by a debt collector for XXXX dollars that was previously deleted, the debt collectors name is XXXX XXXX XXXX. This was previously deleted from my credit report as it was paid in full to the original creditor, XXXX XXXX  Hospitals. I never received a bill. and The original creditor withdrew the debt, yet Experian continues to report in on my Credit report. I am requesting the information be immediately deleted from my report for XXXX XXXX XXXX and the correct balances be updated on my credit report.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX  to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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: Debt collection

My apartment in XXXX, Nebraska has a leasing agreement with XXXX XXXX. When I moved out- under my lease agreement I was to leave the equipment at the residences. Which is exactly what I did. Appartment XXXX sent me to collections for {$140.00} for unreturned equipment. It was originally {$200.00} but they used {$56.00} of credit on my account towards it. I did not find out I was in collections until XX/XX/2023. Looks like it was posted to my credit on XX/XX/2023. 

On the morning of XX/XX/XXXX, I got a written letter via email from my landlord stating they have a lease deal and no equipment was to be returned. Additionally, I called XXXX and let them know my situation. They stated that they never notified me about any unpaid amounts due to equipment. They were going to reach out to their equipment team to see if they could resolve it. 

I got an email on XXXX saying that my " equipment '' has been returned. Basically they nulled the credit to my account. I also went to XXXX online chat support on XX/XX/XXXX to get written proof from the chat transcript. They let me know that the charges have been rectified and that I would be receiving a {$56.00} credit for the incorrect equipment charge that was taken from my credit. 

These charges have already been sent to collections and my credit dropped nearly XXXX points. I need help getting this off my credit. Can XXXX reach out to the collectors to rectify this? Additionally, I have disputed collections with the creditor and the 3 credit bureaus via online. Any help and consideration to fixing this would be greatly appreciated. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Experian is an agency repeatedly reporting inaccurate information and causing data breaches by using overseas call centers that compromise American citizen information and then Experian keeps reporting that inaccuracy causing grave harm and deprivation to the living being. An agency called Experian is violating these federal laws In accordance with the United States Codes The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A,15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) ,15 U.S.C. 1681s-2 ( A ) ( XXXX ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL.

THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! 
I have not supplied proof under the doctrine of estoppel by silence, E

ngelhard V. gravens ( Mo ) 281 SW 715.719. I presume that no proof of the alleged debt, in the fact therefore exist.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes.

If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report.

You must now delete the disputed and unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send out 2 section 609 letter but company never send proof has requested but keep reporting accounts on credit report inaccurate copy of letters According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately Name of Account Account Number XXXX XXXX # XXXX XXXX / XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX /XXXX XXXX XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX # XXXX Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There is a ID fraud alert placed on my card and I cant get it off. They have placed the wrong number on it and I cant get the bank to reissue my credit card! 
I have sent numerous letters and still nothing. I tried to apply for another credit card and they say they have a fraud alert and cant get thru to the number placed on card. ( because number is wrong ). All I want is for them to take off the fraud protection or fix it with my real number ( XXXX ) The report number from Experian is XXXX for XX/XX/18 The bottom of page 8 has  the wrong number.
Product: Checking or savings account

Synchrony has stopped me from accessing my high yield savings account. I deposited {$2500.00} into the account on XX/XX/XXXX and have not been able to access it since then. I contacted them on XX/XX/XXXX, which they directed me to do. They did not offer any guidance on how to resolve the matter after giving them all of the information they requested. The only thing said resembling a resolution was that my account was under review. They would not provide a timeline for how long the review would take. I have called on XX/XX/XXXX since then, and they still refuse to offer guidance or provide a timeframe.
Product: Mortgage

I received a letter from Ocwen Loan Servicing dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. It stated that my loan modification failed due to " failure to return signed Trial Plan Agreement within the required timeframe ''. I disagree with this decision due to laon modification paperwork was uploaded and faxed to Ocwen. I was informed when I contacted Ocwen on XXXX/XXXX/XXXX ( at XXXX pm ) that the paperwork was received and nothing else was needed except the first payment, to which was made at the same time as the phone contact. I spoke to XXXX with agent ID # XXXX. I contacted them for clarification to the loan modification wording, since it is confusion as to which/what was good to fax/upload/email and which paperwork needed the original signatures. I was informed when I spoke to XXXX that all the paperwork was received and when I asked if I needed to overnight the originals, I was informed " NO ''. This is a conflict to the decision received on XXXX/XXXX/XXXX. I called and spoke to my relationship manager, XXXX XXXX, on XXXX/XXXX/XXXX. She informed me at that time the originals were needed to be sent in. AT NO POINT IN TIME did anyone inform me until the latest decision. I am not sure as to why, if Ocwen received the first payment and the uploaded and faxed paperwork, no one contacted me to say they NEEDED to ORIGNINAL PAPERWORK. 
After some research, I have found numerous complaints about Ocwen staff giving false and incorrect information. They have also been fined and have had class action lawsuits for fraud. 
I feel, due to the incorrect information when I CALLED for CLARIFICATION, I should be given another change to do a modification. I feel Ocwen has defrauded me and set me up to fail the trial modification. I am trying to fix my defaults with Ocwen, but feel they are impeding my progress.
Product: Credit reporting or other personal consumer reports

TD is inaccurately reporting late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. TD has also taken an adverse action against me by closing my account rather than filing arbitration to resolve the issue : pursuant to our account agreement. 
Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided both  XXXX  and Experian with police reports and affidavit from the FTC they have stated the information provided was not good enough to investigate these accounts. I submitted documents in accordance to the FCRA and they have refused to adhere.   They are stating that the police report or affidavit has to be signed by an officer, when the police department has accepted the report and provided a verifiable police number online. If the CRA is doing a proper investigation they will be able to verify the police report number through the  XXXX  Police Department.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have made 140+ consecutive, on-time payments ( since XX/XX/XXXX ) to  Navient. My problem is two-fold. One, after $ 45,000+ paid toward the 3 % loan I have only cut out {$20000.00} off total bill. On average my principal only accounts for 30 % of money paid. Payment is ~ $ 300 monthly yet only ~ {$100.00} makes its way to principal. I believe Navient has not handle my account correctly and has cost me time and many thousands of dollars. 

Two, my goal for the last 5 years has been to make it to 10 years of payments so I could apply for the Student Loan Forgiveness Program ( I have 13 years in same XXXX XXXX XXXX ) only to find out after 6 months of paperwork and phone calls to XXXX  XXXX XXXX that my loan ( never explained at any point that I would be unable to acquire SLFP ) does not qualify ( I was given FFEL loan ). I have made {$45000.00} in payments, 140+ consecutive, on-time payments and was told I would have to consolidate to XXXX XXXX XXXX, make at least another 10 years of payments, and then reapply. If government was serious about helping underpaid, student loan burdened XXXX  I am the perfect candidate to make this right with. I have another {$80000.00} in daughters Parent Plus loan that I will start paying back in the next couple months. I am unable to pay both loans, and still have XXXX more children to put through college. You assistance is greatly desired and  needed. Thank you in advance.