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

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that 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. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 Capital One is reporting inquiries onnthese dates that I have no recognition of.
Product: Credit reporting or other personal consumer reports

My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( Ally financial, XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX. XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment Other Inquires I didn't authorize XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX 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. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from XXXX  with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$310.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX  with account # XXXX and a balance of {$890.00}. The original creditor is XXXXXXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number ( Private SSN ), Consumer Date of Birth ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C. 1681c-2 ) that you, the XXXXXXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  auto loans accounts opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) and XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ) and XXXX personal loan accounts at XXXX on XX/XX/XXXX under account number ( XXXX ) and XXXX  XXXX XXXX opened on XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and had inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I submitted an online request to the XXXX, Equifax and XXXX credit bureaus, requesting letters requesting verification of the debt on my report. Starting on XX/XX/XXXX, I began to receive replies stating an update was made. On XX/XX/ I mailed certified letters to each bureau requesting verification documentation Beginning XX/XX/XXXX, they have sent back stating everything is verified correctly. 

However, my credit report is still showing inaccuracies 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

Capital one violated the FCRA sect 623 ( a ) ( 7 ) regulations V. Duty to provide the Customer with a Notice about Negative information. A duty to provide a notice to the customer when reporting negative information 30 days after it's reported with a written notification. I have never received such notices. If capital one feel they have properly notified me with written notification then please send me a copy of the certified return receipt bearing my name and signature as proof. If you can not produce the document in next ten days then delete account immediately
Product: Credit reporting

I have a SPLIT FILE on my Equifax Credit Report. 

Equifax is REQUIRED to merge my Equifax Credit Report into XXXX Credit Report per FCRA
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted XXXX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Mortgage

I have a mortgage loan at PNC bank. In XX/XX/2022, a tree fell on my home and demolished it. After informing PNC bank of this situation, they sent out a person from the mortgage insurance department. The insurance department declared it a loss and communicated with me about this. 

I received a check in the mail from the insurance company a few weeks ago and also included was a printout detailing what would be required is I wanted to rebuild. I informed PNC that I am not interested in the rebuild, however, wanted to payoff my mortgage loan balance. 

For XXXX weeks now, I have tried to get my mortgage loan payoff, I have spoken with PNC by telephone, I have visited a local office and called the mortgage department again and again, they won't give me a payoff. The branch I visited is trying to help me get the payoff, they have not received any information either. 

I do not know what to do now, please help me get my payoff and help me resolve my mortgage loan with PNC bank.
Product: Debt collection

Alleged debt was purchased by this collection company and on XXXX  I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking LVNV and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. 

All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. 

I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I notice Erroneous and Wrong information on my credit reports regarding the account of Ally Financial Bank .... See attachment!!! 

On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see XXXX pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact ALLY FINANCIAL is reporting inaccurate and inconsistent information on 3 different credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of accounts and objects that do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Product: Payday loan, title loan, or personal loan

My final payment was due on this loan on XX/XX/XXXX. Big Picture Loans presented a debit to my bank for less than the amount of the final payment. Then they began calling, emailing and harassing me onXX/XX/XXXX telling me my loan is late and I must call to talk with them. I called and got absolutely nowhere. Their agents barely speak English and just say they can not help you.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit card

This weekend I went into Costco to look at getting the Citi Visa card I saw advertised while previously pumping gas at a Costco gas station. My main interest was the cash back the card offered. the main advertisements I saw in different places were the high percentages of " cash back '' for different purchases. After consulting a Costco associate at the customer service desk, she confirmed all the things I had seen in the advertisements about the reward, I decided to fill out the application. The application was taken via iPad mounted on the desk. Near the end of the application it asked me to confirm that I had been given the full written disclosures in writing that I could keep. Before I confirmed I asked the associate If she had planned on giving the disclosure and she replied, " Yes, I have them here to take with you if you want when you 're finished. '' I then completed the application and was approved. It was n't until later at home when reviewing the disclosures did I find out that ( on page XXXX of the brochure in much smaller font ) that the " cash back '' bonus was only given annually in XX/XX/XXXX and that it was n't issued as cash at all. Its issued as a coupon only redeemable at Costco. This has proven to be very deceptive advertising and customer service practices. Under the CFPB 's UDAAP guidelines the reasonable customer would never find out in this process the true aspects of a false " cash back '' offer. Its also to be noted that the main informational brochure has on the front page " GO BIG WITH CASH BACK REWARDS '' ... keep in mind that the words " CASH BACK '' are by far the largest font on the entire brochure. On page XXXX of the full credit card agreement it states, " Requests for cash MAY be fulfilled in the form of a check at Costco 's discretion. '' How is this in any way cash back? This is basically a coupon or gift card only to be used at Costco. It would be completely different if the advertisements stated 'Cash Equivalent Back '. As a reputational risk this could easily be viewed as predatory lending relying on customer 's relationship with Costco and the high likelihood that customers wo n't find out the true aspects of this reward program until far later causing unavoidable material financial harm.
Product: Credit reporting or other personal consumer reports

My report is showing multiple names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Dear XXXX XXXX I am contacting you regarding a debt you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ), I formally request validation of the alleged debt before I consider any further action.

Please provide written verification of the following : 1. Details of the Debt : o The name and address of the original creditor. 
o The account number associated with the alleged debt. 
o A full breakdown of the amount you claim I owe, including principal, interest, fees, and any additional charges.

2. Proof of Debt Ownership : o Copies of documents that establish my responsibility for this debt, including any signed agreements or contracts.

o Proof that you have the legal authority to collect this debt, including documentation of ownership or assignment.

3. Debt Collection Authority : o Your agencys license details for debt collection in my state ( if applicable ). 
Until you provide the above information, I will not acknowledge responsibility for this debt. Please note that under the FDCPA, you are required to cease all collection efforts, including reporting this debt to credit bureaus, until proper validation is provided. 
If you can not validate the debt, I request that you cease all communication with me as per my rights under federal and state law. 
Please provide the requested information within 30 days of receiving this letter. Any further correspondence should be sent in writing to the address listed above. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I have started back in  2013 to ta ke online courses with  XXXX  university and I was doing fine in the beginning but after a while it was not easy so I called and said I could not do the classes so I left and now they want me to pay  XXXX  in student loan. I do n't have a job because I was let go and now I am unemployed and I do n't have money to pay back. I tried to get student loan forgiveness they said I could if a I paid the  XXXX  for 2 months and the rest would be forgiven. I told I do n't have money to pay for 2 months. I only get a  XXXX  a week and  XXXX  in food stamps. Now my account for unemployment is on hold so I am not getting anything at the moment!! Can you help me find a solution to my problem. I feel I should not have to pay since I did'nt receive a credit for any course and it was not completed.
Product: Debt collection

XXXX XXXX XXXX Opened XXXX {$140.00}, SEQUIUM ASSET SOLUTIONS, Opened XXXX {$220.00} Reported to XXXX and XXXX these debts continue to be bought and then added back on my the credit. The bureaus remove them then they come back under different names same debt.
Product: Mortgage

This acct is reflecting as in Dispute on my credit bureau, which I have never disputed. I need to have this dispute removed immediately. I attempted to call ASC and spoke with XXXX XXXX XXXX XXXX on XXXX/XXXX/15 @ XXXX who advised due to the age of my account no one could assist me over the phone. It is unfair that they have purged my account and no one could help. All he could advise was I needed to write in to have this taken care of, I do n't have the time to wait for them to correct their mistake. This account needs to updated according to the Fair Credit Reporting Act as it is NOT in dispute, nor has a dispute even been initiated by me.
Product: Consumer Loan

In XX/XX/XXXX I contact both the credit bureaus and the creditor of this account to validate the dates the account was opened. I recently reviewed my credit reports and the entry as old as XX/XX/XXXX is still reporting and showing on my credit files why is this?
Product: Credit reporting or other personal consumer reports

Hi, I've had a credit report show that I took out a loan from Upstart in the amount of {$5700.00}. I have reached out to them already regarding the loan, and they said they would send me a package of information on how to report the loan to start an investigation. The email which I still have said it would take 3-4 business days for the package to arrive. Nothing has arrived in the mail, I have gone ahead and contacted them again, and now they say the thirty day period is over.
Product: Money transfer, virtual currency, or money service

( Block.Inc ) due to inadequate customer service and unfair practices. Which violate the customer financial protection act CFPA. Specifically cash out fail to take XXXX and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair in deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act XXXX and regulations these actions have cause significant inconvenience and financial loss and I seek appropriate redness for these violation