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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the EQUIFAX data breach in XX/XX/XXXX, a fraudulent credit card was opened using my name and SSN with a bank called XXXX XXXX XXXX.
I reported the the incident onXX/XX/XXXXto XXXX XXXX XXXX, EQUIFAX, XXXX, and XXXX.
XXXX XXXX XXXX closed the fraudulent credit card. XXXX and XXXX investigated and removed the fraudulent account.
On XX/XX/XXXXEQUIFAX sent me an email saying said they closed the investigation. I called Equifax and they did NOT REMOVE the fraudulent credit card.
Product: Credit card or prepaid card

Hi. My name is XXXX XXXX. I am reaching out because I applied for a business card with American Express. They immediately denied the card. American Express hasn't updated my FICO and it isn't reflection on any bureau that I paid off the card. On my recent statement for XXXX, there is a XXXX balance. I used the card today at XXXX, but that was under XXXX and under 20 % utilization. I have also paid off all of my other cards as well. Also, they are supposed to look at my personal card history in addition to that. It also mentioned inquiries, but Amex is a cause of a few of those inquiries. I would like this application reconsidered and evaluated by a person. 

I do not have any late payments. I look forward to hearing from someone. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to add inaccurate and illegal information onto my credit report. I ask that these inquiries be removed as soon as possible for they go against consumer law. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX has violated my rights. Or the 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 an 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 or 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: Student loan

I had a student loan with National Collegiate Student fro XXXX. I was unemployed and unable to pay them. I tried to get the loan deffered but the company gave me the run around to who was managing the loan. Two different agencies filed adjustment against me in court for two different cost.
Product: Credit reporting or other personal consumer reports

I

am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach. Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was checking my credit report and saw several accounts I never opened. I provided 2 proof of my ID to proof my identity.
Product: Checking or savings account

I bank with navy fed and they got caught with the over draft fee issue I just would like whatever they took back cause I feel like its thousands
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Product: Mortgage

I received a phone call and a late payment statement from Sun West Mortgage Company, Inc ( SWMC ) on or about XXXX/XXXX/2016. After looking at my XXXX XXXX online payment detail I called SWMC mortgage and explained my bank showed they mailed the payment on XXXX/XXXX/2016 and the payment processed XXXX/XXXX/2016. I was told they did not process the payment until XXXX/XXXX/2016, which created the late fee after XXXX/XXXX/2016. I explained they had internal issues processing my payment late and that was not my fault. They said they could wave half of late fee ( {$42.00} ). I told them no because it was their fault the payment was processed late and they had a similar problem back in XXXX 2016. They admitted the issue was internal and removed the late fee. They also attempted to force me to sign up for their auto-pay.
Product: Credit reporting or other personal consumer reports

The company, XXXXXXXX XXXX XXXX XXXXXXXX, claims that I and my son are joint account holders on my wife 's credit card account. My wife passed away last year, XX/XX/XXXX, and since then we have obtained a court order of Year 's Support, signed by a probate court judge, declaring that my late wife 's estate is empty. This order was filed XX/XX/XXXX. XXXX XXXX  claims that my son and I are joint account holders, which makes us liable for the credit card balance of {$21000.00} as of last XXXX. Neither myself nor my son has ever signed a joint account holder agreement, but it is XXXXXXXX XXXX XXXX contention that we are signatories on documents they have and they will not share copies of these documents. After several times on the phone with them, I did get one representative to describe the signature purported to belong to my son. What she described has no correlation whatsoever to my son 's handwriting style. It is my opinion that if such a document even exists, it was my late wife who signed both our names to the joint account document without our knowledge. At one point, another representative said he would file a fraud claim on my behalf for signature identity theft. This claim was dated on XX/XX/XXXXXXXX  and was subsequently denied by XXXX XXXX XXXX  fraud department. The disputed amount is appearing on both my and my son 's credit report scores, and it is preventing him from getting an apartment due to the bad credit from this unpaid account. We wish only to have this removed from both of our credit reports, as we have never signed such an agreement.
Product: Student loan

**Please note, this is NOT a duplicate request. The SAVE application has now been processed BUT extra interest has been charged due to Nelnet 's incompetency. This is not a duplicate request but an issue with interest, not my SAVE application** Background : I submitted a SAVE application through StudentAid.gov on XX/XX/XXXX as part of the new beta roll-out. StudentAid.Gov confirmed the completed application and sent this to Nelnet, my loan servicer. No response from Nelnet whatsoever. I re-applied via StudentAid.gov on XX/XX/XXXX again. No response from Nelnet. I applied on Nelnet directly on XX/XX/XXXX. No response. I called Nelnet customer service multiple days throughout late XXXX, averaging 2.5-3 hours on hold. I finally had to re-apply via phone on XX/XX/XXXX. I received notice shortly after that I was approved to be on the SAVE IDR plan, but at a cost that was significantly higher than what I should owe based on my income. In my XXXX taxes, I was earning slightly over XXXX USD/year. I was laid off XX/XX/XXXX. Since my new role in XX/XX/XXXX, I now earn XXXX USD and supplied all documentation to support this with paystubs. No response from Nelnet. I called again on XX/XX/XXXX and my information was submitted to correct the problem and I was placed into forbearance and interest is now accruing while my application is stuck. In the first complaint I sent ( XXXX ), the issue with the application has been resolved. 

**NEW ISSUE** : However, because Nelnet took so long to respond, interest accrued during this time when- if my application was processed in due-time prior to payments restarting- I should not have gained ANY interest on my account in accordance with the SAVE plan. Due to Nelnet taking many months to respond to my issues and ignoring any emails and phone calls, I accrued over {$300.00} in interest during this " admin forbearance '' time when I followed all procedures and policies set forth by the federal government in regards to loan repayments. I demand that Nelnet wave the $ XXXX interest accrued during this period as it was their fault and delay that caused this interest to accrue, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.
Product: Credit card

I have been trying to resolve a credit card dispute with USAA since XXXX XXXX. The original dispute was XXXX {$100.00} transactions, now it is XXXX -- USAA has duplicated a disputed transaction! I originally filed a fraud complaint, but was told by USAA they should have been handled as disputes. Since then, these actions have been bounced back and forth between internal departments, and credits made and then reversed leaving me with an additional disputed {$100.00} along with the accumulated cash advance finance charges of {$3.00} as of this writing, totaling {$300.00} as of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the mistake in my report : XXXX XXXX XXXX # XXXX : This account has been paid off since the end of XXXX, why you report the status Late in XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). The debt in question is as follows : 1. Accou
nt Name :XXXX XXXX XXXX Amount Alleged Owed : XXXX XXXX XXXX  Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action. 
Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history. 

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ). 

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputed resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Having problems with my bank Seterus over escrow account. I have called for several months complaining about the escrow balance with no luck. They have changed my monthly escrow payment monthly. I received another letter today. The bank admits they can only take an extra XXXX a year. Admitted in the letter, I was several XXXX dollars over that for the year. The letter then said I have a short fall again and are raising my escrow payment. I 've been told they have to refund overage anything over XXXX by federal law and I was approx. XXXX over for the year. I have spoken with the bank several times and despite the letters saying I 'm over the allowable amount of what they can keep they keep saying I have a shortage. I have asked for escrow history for past couple of years with nothing sent to me. Just new letters saying my escrow is changing again.
Product: Vehicle loan or lease

I owed {$380.00} to Santander Consumer USA for a rekeying of my car after they repossessed it in XXXX. This fee was to be paid prior to the end of the loan being satisfied, which is not until XX/XX/XXXX. I paid the fee as of XX/XX/XXXX. 

Every single month I split up my car payment of {$640.00} into XXXX payments of {$320.00} to satisfy the full amount for each month. My due date is the XXXX of each month, and I have a 10 day grace period before any fees would be applied. For the month of XXXX, I owed the following {$640.00} + the rekeying of {$380.00}. On XX/XX/XXXX, I made the first payment of {$320.00} to be applied to the XX/XX/XXXX bill, On XX/XX/XXXX, I paid the rekeying fee of {$380.00}, and on XX/XX/XXXX ( 2 days after the due date ), I paid {$320.00} to satisfy the XX/XX/XXXX payment. At this time I should only owe {$640.00} by XX/XX/XXXX. Currently in addition to the XXXX bill displaying, {$320.00} is still showing as still being due on my online account. 

When I called Santander on XX/XX/XXXX, the representative insisted that I still owed for XXXX and the {$320.00} fee was being applied to XXXX as a partial payment. I informed her to please apply this payment Correctly and make sure to apply the XX/XX/XXXX payment to the balance showing online as {$320.00}, which was due XX/XX/XXXX, but was still paid within the 10 day grace period. 

Santander has a history of misapplying payments, so before I make my full payment by XX/XX/XXXX, I want to make sure they show the {$320.00} as being applied.
Product: Debt collection

ON XXXX/XXXX/XXXX I received a letter from the office of credit management, I which I called XXXX for my current account and I have a credit balance. XXXX could n't identify the account number that I provide on the letter. so I called the number on the letter and I provide her the information and I advised her that I have a active XXXX account and that I do n't owe {$160.00} she XXXX that the balance was from XXXX/XXXX/XXXX from the address of XXXX in XXXX ga, I advised her that I filed bankruptcy in XXXX and I provided her with attorney information and phone number. I advised her that I filled XXXX us bankruptcy court - XXXX case id # XXXX chapter XXXX discharged XXXX/XXXX/XXXX. by me being a victim of fraud I have credit monitoring service that alert me of changes and they put this on my credit report on XXXX/XXXX/XXXX and sent me a letter on XXXX/XXXX/XXXX per the fair credit reporting act they violated me, reporting inaccurate and unsubstained information to a credit reporting agency may constitute fraud under federal law Compliance with thus request is required
Product: Credit reporting or other personal consumer reports

A notarized affidavit was submitted after the initial complaint was filed to XXXX XXXX. Another was submitted on or about XX/XX/year>. This has been on going for almost XXXX  years now. 

As a result, another stall letter and statement was sent to me. 

Once again, as this company can not and HAS not provided accurate validation that this account belongs to me, I am demanding that this account be removed from my credit reports. 

This account does not belong to me and there has been no proof provided that shows that the account is mine. 

There is not sufficient evidence to support that this account belongs to me as I have stated this is a case of identify theft where my personal data that XXXX is referring to in their second response was compromised.