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

Hi I am submitting this XXXX XXXX without 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 71XXXX 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 21 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Recently, I was looking at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account balance : {$17000.00} Opening date : XX/XX/year> After your investigation is complete, please send me the results via email. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX Account number : XXXX These companies have violated my rights listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your selection does not adequately describe my problem. The credit bureau according to XXXX stated that I was no longer living. THIS IS SERIOUS< AS YOU SEE I AM STILL LIVING. I tried contacting XXXX XXXX  who explained they could do nothing as they received information from Experian. And of course Experian denied sending them the information. 
I have written to both agencies only to receive radio silence. My credit took a hit for a hard pull by XXXX. 
I am hoping you can help.
Product: Debt collection

Direct Recovery services constantly calls, ROBO calls cell, work, for anyone to receive message of debt I no longer owe from XXXX XXXX credit cards. Letter attached from previous CFPB complaint. 
Calls archived from : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 from numbers XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spoke with XXXX XXXX and XXXX on XXXX XXXX. Emailed letter same date directrecoveryservices.com and XXXX directrecovery.org
Product: Debt collection

Jefferson capital system is reporting I owe them with no knowledge of this fraud account they are reporting an open balance on a closed account I dont believe the information they are reporting is not valid
Product: Credit reporting or other personal consumer reports

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Please REMOVE : 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

I have had an account with Swiss Colony LLC, ( retail sales, magazine and online ) for over 5 years and I order from them every year without a problem. This year there was a problem. I placed my order under my account and had it shipped to my wife. About a week later I noticed a credit inquiry on my wife 's XXXX report from Swiss Colony. Why?, I have the account and my wife has never applied to them. I called Swiss Colony to find out why there was in an inquiry on my wife 's report. I told them what the problem was and asked how and why would they inquire on my wife 's report and who authorized it. After about 20 minutes of them putting me on hold several times, this is the story they came back with. The order I had placed a few days before was put in my wife 's name to be billed, which is not true, it was actually put in my wife 's name to be " shipped. '' They told me at that point that had to create an account in my wife 's name and pull her credit. The only problem with that is that my wife never applied to open an account, never filled out any application, never provided her social security number and certainly never gave any form of authorization to pull her credit and create an account in her name. Swiss Colony sought out my wife 's personal information and from that obtained her social security number and proceeded to pull her credit without ANY authorization! HIGHLY ILLEGAL! When I told them what they had done was illegal and that my wife 's credit was hurt because of it, they responded with, we are sorry, but there is nothing we will do about it. I am reporting this because I am sure I am not the only person they are doing this to. I'm sure you if you look into it, they have created thousands of fake accounts under peoples names who don't even know about it. I'm telling you, this is just the tip of the iceberg!!!!!!
Product: Credit card or prepaid card

XXXX thru XXXX ______________________ To : Staff Consumer Financial Protection Bureau 1. There has been a Health Crisis in Family concerning Covid/19 Impact on the everyday wellbeing of Family Life. 
There has been XXXX XXXX XXXX, XXXX XXXX  with Sister/Law Underlying Conditions /Possible XXXX with other Family, Etc. 

2.That there is certain New Laws Passed by Congress during Coronavirus Pandemic & other U.S. Laws that protect Veterans, XXXX, Etc 3.That had called J.P.Morgan Chase Bank concerning Financial HardShip without workable Plan. 
That the Address Contact : J.P. Morgan Chase Bank XXXX XXXX XXXX XXXX, Delaware XXXX XXXX No XXXX
Product: Credit reporting

I was never late in paying this account. It should be positive. Any negative history needs to be deleted as I always paid this account on time each month and it closed on a positive note ( Transferred to another company but completely paid off ).
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Removal XXXX Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It XXXX Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ]. 
Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX XXXX : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Credit card or prepaid card

Went through the process of attaining a credit card and was denied for no reason. With no explanation.

UCC 1-308 Without Prejudice XXXX XXXX
Product: Consumer Loan

I have a student loan through Great Lakes. The original loan amount was {$60000.00}. I 've made {$23000.00}. in payments. The remaining balance on the loan is {$75000.00}. When I make a {$260.00}. payment they only credit me with {$15.00} toward my principal. This has to be a fraudulent loan. Where can I get help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to EXPEL any account which was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$75.00}
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Account Number : XXXX To : Attorney Generals office of XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau FTC XXXX XXXX XXXX XXXX  RE XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Subject : Formal Complaint Regarding Deceptive Mortgage Practices and Illegal Collection Tactics Dear Sir/Madam : I am writing to formally complain about TD Bank 's handling of my mortgage forbearance and subsequent attempts to collect an outstanding balance. 

Due to job loss and severe financial distress, I sought a mortgage forbearance, which TD Bank approved. Upon concluding the forbearance period, I was informed by XXXX XXXX on XX/XX/year>, that I could have the forbearance balance added to the rear of my loan. I consented and was assured that this request was submitted to underwriting. 

Despite my proactive efforts to clarify and finalize this request, including multiple communications with TD Bank representatives, I have seen no resolution. My documented interactions include : - XXXX XXXX : XXXX XXXX requested the loan forbearance amounts be added to my loan 's end. 
- XXXX XXXX : Two inquiries were made to underwriting regarding adding amounts from the forbearance period. 
- XXXX XXXX : XXXX XXXX informed me that an email had been sent for account updates, confirming the matter was pending with underwriting. 
- XXXX XXXX : I escalated the issue to supervisor XXXX ( XXXX ) due to adverse actions impacting my credit report. 

Despite being assured of no adverse actions while my loan was under review, TD Bank has reported late payments for 120 days and an outstanding balance of {$12000.00} to credit bureaus. This has resulted in my credit score plummeting from XXXX to XXXX, creating severe personal and financial hardship. 

I believe TD Bank 's practices in this situation violate ethical and possibly legal standards. I urge you to address this matter expeditiously, rectify the inaccuracies reported to the credit bureaus, and ensure fair treatment moving forward. 

If this issue remains unresolved, I will be forced to seek legal counsel and consider sharing my experience publicly to highlight these questionable practices, particularly concerning how they disproportionately affect individuals in marginalized communities. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XXXX I have been attempting to pay my debt off.. But every time they call they cant say that they can not except the payment I asked to speak to a supervisor in a place me on hold and tell me a supervisor will call me back they never called me back. And all I wan na do is just pay this that off and get it off my credit report but theyre not letting me or accepting my account information
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is highly unprofessional and theres no accountability for the damages caused
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous dispute XXXX Equifax requested copies of my drivers license, social security card, and my W2, all 3 items were uploaded, now they are saying it doesn't match their records which is ridiculous because those are my original documents. I am uploading it again I I expect Equifax to do what is expected of them instead of these game, my next option will be small claims court seeking damages.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and i noticed there is unauthorized credit inquiries made by the companies listed. I never authorized and for no legitimate business purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

n 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX   XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXecords of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

I am a victim of identity theft. I noticed this year multiple accounts on my credit report which do not belong to me. I have contacted Experian and filed a complaint with identity theft.gov. I have attached affidavit from identity theft.gov, drivers license, current utility bill showing proof of address.
Product: Checking or savings account

Just randomly closed my accounts for no reason given to me other then they didnt want to do business anymore froze my funds closed accounts on me wouldnt refund money debits from121 fraudulent charges made on my account
Product: Credit card or prepaid card

On Friday XX/XX/2018, I conducted a conversation with XXXX XXXX XXXX XXXX XXXX XXXX regarding the late fees and interests charges to my account. In speaking with a representative, I was told that my payment was received, however the form of payment was not shown. I explained to the representative that I made a full payment of {$160.00} on XX/XX/2018 putting my account into a XXXX balance owe. This amount was reported by the automated system upon making the payment. The representative was unable to assist any further. I was then transferred to a Supervisor to further discussed my grievance. I repeated what was stated to me by the representative prior. The supervisor then explained he was not certain where the previous representative was looking for this information. He stated when my payment was received and indicated that my balance was {$180.00} and that is what i was responsible to pay. I repeatedly disputed this amount with him stating that its was not the correct amount owed and to further investigate. In which i was told no further result would come of it. We were not able to resolve this matter. I would strongly like an investigation to be done as this is now beginning to affect my credit rating as well as negative reporting due to the companies lack of investigation. Thank You for you time, Ms XXXX XXXX