23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mail is frequently lost when coming to my physical address, so I always ask companies who are invoicing me to use a po box I maintain. I have repeatedly checked the box on my Wells Fargo payment coupons for a change of address request and completed the backside to ask for future statements to be sent to this po box , however, after several months of servicing the loan and my repeated attempts to request the change of address, Wells Fargo 's staff fails to have the attention to detail necessary to look at their own form and make this change. I have even circled the box in XXXX and wrote in giant letters " Please actually change it this time, '' and still, they neglect to make the update - at this point, it seems deliberate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following accounts. 
XXXX XXXX {$460.00} XXXX  XXXX XXXX  {$1000.00} XXXXXXXX {$79.00}
Product: Debt collection

I have received a notification from Southwest recovery that there is a debt collection company letting me know I owe a debt of {$1000.00} on my credit report the date of XX/XX/XXXX letting me know that I owe XXXX XXXX XXXX in XXXX, from looking up online, they are a credit card processing company that has nothing to do with me personally. I did not work or own any company that made me liable for this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous items being reported on my credit report that I have NO knowledge of. This was a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; Medical XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am currently battling multiple forms of identity theft, including aggravated identity theft, child identity theft, and Social Security fraud. Recently, I applied for a personal loan with XXXX XXXX XXXX, but they informed me that a crucial elementa missing telephone number on a fraud alert with TransUnionprevented them from moving forward with my application until my credit file is rectified. 

There are two critical issues with TransUnion : my telephone number is not in my credit file, and there is an existing fraud alert. Additionally, my last name is incorrectly spelled as " XXXX '' when it should be " XXXX XXXX. '' They claim this was " verified, '' which raises serious concerns. 

I contacted TransUnion on two occasions this monthon the XXXX and the XXXX they assured me that my telephone number had been updated. However, when I contacted XXXX XXXX XXXX this afternoon, they confirmed no record of these updates. Furthermore, TransUnion claims they can not verify my login on their website due to a " failed safety check. '' I also reviewed TransUnion 's dashboard via XXXX XXXX XXXX XXXX, and it remains outdated. 

Because of inflation, I am facing significant financial hardship and have filed disputes with TransUnion since XXXX concerning inaccurate personal information. Their lack of professionalism in handling my case has been deeply frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$52.00} XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXXXXXX Balance : {$830.00} ; XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$59.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$90.00} ; ( Original XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

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

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. These fraudulent, inaccurate, and false information consists of personal credit card from XXXX  XXXX opened on XX/XX/XXXX account number ( XXXX ), also a collect account from XXXX XXXXXXXX XXXX opened on XX/XX/XXXX account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard 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 Theft 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: Debt collection

Recently I received a debt collection letter from a company called Caine & Weiner with  amount of {$190.00}. The letter states the creditor is XXXX XXXX XXXX XXXX. 

I have never done any business with XXXX XXXX in many years so the creditor is completely bogus. The amount, of course, is also bogus. I called the collector and asked them what is involved, and eventually they mentioned it is related to an XXXX XXXX XXXX bought a few months back from an Internet seller named " XXXX Online shopping '' ( XXXX ). The XXXX XXXX is dead on arrival ( completely unusable ). However I could not contact the seller at all. The email address it provided is bogus ( email to it gets bounced back ). So eventually I contacted my credit card company to dispute the charge. The charge was eventually dropped since the product never worked. And I believe that the original seller is operating a scam business to sell non-working product and then tries to collect money from buyer via debt collection. 

Please investigate such fraud business. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit with XXXX XXXX through XXXX  and Equifax reports. On XX/XX/XXXX my FICO score with XXXX was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with Equifax, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from Equifax Trusted ID for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called Equifax. The representative told me XXXX had made a remark on my report and that is why Equifax dropped my score and subsequently XXXX also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I received a notification from all three credit bureaus that Capital One had reported that my credit card payment for XXXX was considered 30 days late. However, this was not the case. I never missed a payment. I contacted Capital One on several occasions and was sent to several departments, all of which could not see the delinquency ( late payment ) on my account. They all confirmed that my account has been current in its whole existence. They said I could just dispute it to the credit bureaus and it would be fine. 

However, I have disputed it to all three and all three bureaus have said that the information sent to them by their data furnisher is accurate. Now my only option is for Capital One to figure out what's going on on their end. My credit score has dropped a considerable number, this is my ONLY missed payment across MANY accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX XXXX XXXX which has my score dropped significantly. This was an item that was paid with the agreement it was to be deleted from my credit profile. Which turns out not to be the case. I would like this collection removed from my credit due to false/misleading representation in order to receive payment, which I now know was obtained under dishonest terms. Spoke to someone on XX/XX/2018 who was extremely rude and unprofessional with her help.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] Equifax XXXX [ XXXX XXXX ] [ XXXX ] XXXX : XXXX XXXX XXXX ] [ XXXX ]
Product: Credit card or prepaid card

I have been making payments through my credit card faithfully and almost time until I came up with three issues today. One, I could n't login after I sent an email to customer service asking proof of my point of sale relating to my debt. This was on  XXXX / XXXX /2017 at   XXXX   XXXX   Central Time. Two, they have been committing fraud by returning payments from my bank that they posted two days in a row. Three, they 're claiming that they do n't have my email on file, which is false, in order to collect late fees. In addition, they know by law they 're to give a 45 day notice when closing an account, which I believe they have done. If this is the case, then I want my balance at 0. Thank you.
Product: Student loan

I switched over my loans to Naviant, it being involved w/ the Department of Education I thought it was safe. I am now getting charged a much higher interest rate than what it is supposed to be at this present day. I was told that I am paying the interest rate of what it was at the time I got my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Department of Education, XXXX, and XXXX all show fraudulent loans on my credit profiles that needs to be remove immediately. All Bankruptcy remarks and information are fraudulent and needs to be removed.
Product: Debt collection

XXXX / XXXX /  XXXX  , {$1200.00}, mailed certified debt verification letter to collection company, no response as of yet. Collection company is not licensed to collect in the state of Arizona.
Product: Debt collection

Services were never rendered by original company, XXXX XXXX XXXX, XXXX XXXX XXXX. This is a fraudulent company charging customers and not actually performing the service.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX  XXXX Late/closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$180000.00} - Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX  XXXX Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Open XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} - Collection XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Collection XXXX XXXX XXXX
Product: Checking or savings account

Purchased safe deposit box @ Wells. Wells would not accept transfer of funds from a XXXX  account. Said to "come in" to fix problem. I decided I did not want this box if I had to jump through hoops. I returned the keys and so informed them. Request to crediut back all and every transactiuon to do with this box has been ignored Apparently WELLS still thinks it is King. No amount of fines or articles will stop this venal bank from stealking where it can. Your help would be appreciuated,   XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX XXXX XXXX Date Opened XX/XX/scrub>XXXX XXXX XXXX  this information has been reported and don't belong to me in results as fraud
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I discovered a late payment on my XXXX XXXX XXXX account with the number XXXX. 

I have a flawless record of making timely payments and demand an immediate investigation regarding the accuracy of these reported late payments. 

I expect to receive documented proof of these alleged late payments. If no concrete evidence is provided, I assertively demand that my report be corrected promptly. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax 5 times since XXXX regarding issues placing security freezes on my credit profile and disputing inaccurate information via my Equifax.com. I was informed that the IT department would be emailing within XXXX10 business days. I never received an email after 3-4 phone call attempts. Finally, after the 5th attempt, I was told to mail in documents verifying my identity which was done on XX/XX/year>. I called to ensure the documents were received and received confirmation that they had arrived. I was told my information was being synched and to try the online system again. I was unsuccessful in accessing my information online and the representative told me he would be escalating the situation to the IT department and again I would receive correspondence via email in 7-10 business days. In the many attempts via phone, I have NEVER received an email or follow up from Equifax and I am still unable to access the online tools on myEquifax.com.
Product: Debt collection

TALBOTT, ADAMS AND MOORE is trying to collect a debt that is not mine and a result of identity theft
Product: Money transfer, virtual currency, or money service

US Bank And XXXX XXXX Including XXXX XXXX XXXX  They all Have Stole my Assets XXXX XXXX XXXX
Product: Credit card

Greetings, This complaint is a follow up to complaint XXXX. I am in receipt of the communication sent by American Express dated XX/XX/year>, Ref : XXXX, account ending in XXXX. Complaint XXXX addressed the concerns of the American Express " Plan It '' program and the miscategorizing of charges from XX/XX/year>- XX/XX/year>. The paragraph " Two Plans were created on XX/XX/year> : of the American Express XX/XX/XXXX response Does Not Address the original complaint. In the paragraph " You activated the Pay over Time feature online '' it is stated, " On XXXX XXXX, you activated the Pay Over Time feature by accepting an offer online to earn XXXX Membership Rewards points after activation ''. This statement is undeniably false. No one in our household activated Pay Over Time on XX/XX/year>. I Did activate the " Plan It '' program on XX/XX/year>. It is also stated in the response letter in the same paragraph The charges on the account were moved to Pay Over Time in accordance with our policies and procedures. '' This statement Can not be correct based on the fact the cardholder Did Not authorize those charges to be moved into the " Pay Over XXXX '' program. To state we activated Pay Over Time when we have said many times We Did Not is saying your program is infallible. Just as you noticed a " servicing opportunity '' on XX/XX/year>, your people and programs are not perfect. As a consumer, I should not have to Pay for those mistakes. The remaining paragraphs of the American Express XX/XX/year> response letter does not address any concerns of the original complaint. Sadly, the American Express response letter dated XX/XX/year> is filled with credit card agreement verbiage disguised as an attempt to resolve the issue. This response does nothing to address the issue of placing charges in the Pay Over Time that Were Not Authorized. To this date, American Express has not produced any documentation to show Authorization. The response letter also states '' We are required to accurately report accounts to the credit reporting agencies ''. To report our account as delinquent for unauthorized charges could be considered illegal and a violation of credit agency reporting. Therefore, this issue needs to be resolved. A similar letter will be sent to the Federal Trade Commission.
Product: Credit card or prepaid card

Transaction ID : XXXX Comptroller of Currency XXXX XXXX, 2017 Copy of letter to Bank Officers Hello,. XXXX XXXX XXXX XXXX is attempting to release an authorization/hold on customer 's card for a car rental that is paid in full. The hold should not be there as the company was already paid. XXXX wants the inappropriately held funds released.
Details : 1- The car rental was in the name of card holder 's spouse. The amount paid in full via customer 's AMEX SERVE was {$620.00}. The additional amount inappropriately being held is {$490.00}.
2- Card holder contacted AMEX Serve Customer service. Both the customer service person and the manager understood the problem, but stated that even though the authorization/hold should be immediately released, their automated system prevented them from doing so. They provided the release number of # XXXX to XXXX XXXX. XXXX said everything is released on their side, and that the date should be changed on the hold -- to today ( XXXX XXXX, 2017 ).
3- Again, XXXX XXXX indicated that the date of the transaction should be changed and the funds immediately released as they have been paid already. They offered to third party call in to AMEX to resolve the matter this morning. XXXX XXXX offered to fax AMEX Serve a cancellation document, or call Amex Serve directly to release these funds ( {$490.00} ). Again, AMEX customer services simply reiterated their policy.
4- I am writing to you for your help today to release my funds. For a working person, these inappropriately held fund are the difference between paying rent and eating, and literally being hungry.
I tried to get in touch with XXXX XXXX as well.
This is a unique situation where the merchant has already been paid. The merchant is attempting to cancel the authorization. And the merchant is attempting to contact AMEX to resolve the matter this morning.
Thank you for your help. Card Holder.
Product: Student loan

According to the stipulations under the Navient settlement my loans should have been dismissed. They have my email information ans phone because they call and email on a regular. But I try to go in and make sure my mailing address is correct and the personal info they have in order to get into the account is wrong. It keeps telling me I'm putting in the wrong social or birth date, so how do I know if they should even be servicing me. They continue to tell me I have to go online to update info but I can't get past sign in page.