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

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being . I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

I am writing to let the 3 credit bureaus that I was the victim of identity theft. I looked up how to get rid of the bogus accounts on my report and discovered that I had to file a report with the Federal Trade Commission or go to https : //www.ftc.gov. Additionally, according to FCRA section 605b, credit reporting agencies have to remove or ban any accounts that are included on an identity theft report. on help with the banning of the inaccurate information being uploaded on my report, kindly refer to the documents that are attached. 

The list of items and accounts that are not mine or were opened without my consent is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Student loan

After filing my first CFPB complaint and receiving a form response, I contacted Navient by phone on XX/XX/XXXX to get the form for school misconduct. I was told by the operator in the servicing department that she would refer my account for review and I would be sent the form if my loans qualified for school misconduct discharge. After two weeks of waiting, I still have not been sent the form. 

There is no question that my private loans qualify to receive the form. My federal loans were just discharged because of misconduct by the XXXX XXXX. From the Department of Education 's executive summary ( attached ) : " This group discharge is based on EDs finding that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. '' " Due to its pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment, ED concluded that The XXXX XXXX misrepresentations likely would have negatively affected all or nearly all students who enrolled on or after XXXX XXXX, XXXX, through XXXX XXXX, XXXX, and thus a group discharge is appropriate. '' Furthermore, Senator XXXX XXXX and 8 other Senators urged Navient to discharge predatory loans from schools like the one I attended because of " well-established school misconduct and predatory lending '' in a letter ( attached ) sent to Navient last month : We write to urge the Navient Corporation to cancel the decades-old, predatory student loans in its portfolio that are governed by the FTCs Holder Rule and subject to claims and defenses based on well-established school misconduct and predatory lending, said the senators. [ Y ] our company should provide relief to borrowers immediately, before the impending servicing transfer of these and other student loans to the XXXX XXXX XXXX XXXX  of the State of Missouri.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with.
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XXXX  I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as XXXX XXXX XXXXXXXX {$12000.00}
Product: Debt collection

I was served a petition from a sheriff out of the blue at the end of XX/XX/XXXX. I had no knowledge of the lawsuit. I contacted XXXX XXXX XXXX and informed them that I had not been given the opportunity to dispute the debt and that the petition was filed in the wrong parish. XXXX XXXXXXXX XXXX recalled this petition and sent me credit card statements for review. Upon receiving the credit card statements, I found thousands of dollars in unauthorized charges after I reported the card stolen. I have a police report to show my car was broken into. I sent 3 written notices on how to dispute these charges so that I would not be liable for them in the balance and never received any communication from XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX I was served another petition for lawsuit even though I had been making best efforts to settle the account with the law firm. The lawsuit was again filed in a parish that I do not reside in. I live in XXXX parish and the suit has been filed in XXXX parish. I have never lived in XXXX parish, do not own property in XXXX parish and do not have any ties to XXXX parish. 

I mailed a copy of my answer to XXXX XXXX XXXX that stated the lawsuit was filed in the wrong parish and that XXXX parish did not have jurisdiction over the matter. This was received by the law firm and can be confirmed by tracking number. XXXX XXXXXXXX XXXX then responded to my answer by filing an execution to obtain a judgment, again filed in the wrong parish. 

I contacted the XXXX XXXXXXXX XXXX a total of 14 times after I received notice of the court date in the wrong parish and received no resolution from the firm. The clerk of court in XXXX parish said it was the plaintiff 's responsibility to move the venue to the correct parish. The only statement I received from XXXX XXXX XXXX is that " the hearing will proceed. '' I informed the XXXX XXXX XXXX   that this is a clear violation of the Fair Debt Collection Practices Act in pursuant with 15 U.S. Code 1692i. The law firm refuses to acknowledge this and is trying to obtain judgment by deceptive practices.
Product: Credit reporting

Over 90 days ago I wrote Transunion and demanded proof of the negative items that are on my credit report. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification.
Product: Checking or savings account

Today ( XX/XX/year> ), I received a XXXX Capital one restricted my account. When I called to ask why, they said they wanted to confirm that the XXXX was for personal reasons. When I confirmed, they kept asking me strange questions without telling me why my account was restricted. 

This was the first XXXX I received from someone other than my mom. Capital one is holding my {$200.00} and wont help me. Ive never had this issue with XXXX XXXX or any other banks. 

I just need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Listed below 15 USC 1681 sections 602 I have the rights to privacy 15 USC 1681 sections 604 a consumer reporting agency can not furnish a account without my written consent 15 USC 1666B Creditors may not treat a payment on a credit card account under an open end consumers credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using greely leap of a XXXX stores as a government listings Frauding scams using XXXX XXXX Fraud divisions scams using XXXX Frauding scams using XXXX business permits and products Frauding scams using 50 states groceries stores products using XXXX slaw products Frauding scams using diner menus using XXXX slaw Frauding scams using sports players accounts and internet scams Frauding scams using XXXX Fraud scams using XXXX homes and XXXX auto stores and XXXX media Fraud scams using XXXX with an H Frauding scams using XXXX XXXX as business permits Fraud scams using XXXX XXXX building Fraud scams using XXXX building permits Fraud scams XXXX XXXX bank and IDs frauding my documents Frauding scams using reality companys Frauding scams using realistate agents herds Fraud scams using XXXX XXXX Fraud scams using semi trucks Frauding scams using freedom frauding freedom high School Frauding scams using XXXX apartment Fraud scams using using XXXX homes Frauding scams using XXXX herds Frauding scams using weigart as attorneys in XXXX Frauding scams using XXXX families using XXXX Frauding scams using XXXX grade school as IDs and others business Frauding scams using XXXX boat 's in Florida Fraud scams using XXXX XXXX in Florida Frauding scams using XXXX XXXX in Florida Frauding scams using lolus resterant in Florida.. frauding scams using XXXX slaw in all 16 counties of Florida Frauding scams using XXXX slaw products thru XXXX XXXX  resterants franchises Frauding scams using XXXX slaw products thru XXXX 's and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX dressing companies Frauding scams using brand advertising for XXXX food products frauding my family 's XXXX XXXX  record of XXXX Indiana of serial numbered documents Frauding scams using Maicke frauding scams frauding my grandfather who is XXXX  of XXXX Indiana Fraud scams using XXXX XXXX bank and XXXX XXXX franchises Fraud scams back through XXXX XXXX frauding IDs scams using XXXX Frauding scams using ticker symbol using XXXX frauding XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams using XXXX auto Fraud IDs using XXXX in insurance company workers and insurance fraud division worker Fraud scams using XXXX as XXXX advertising in XXXX Illinois Frauding scams using XXXX as XXXX prep colleges in XXXX Illinois Fraud scams using XXXX XXXX Fraud scams using XXXX auto repair Fraud scams using basketball XXXX Fraud scams using XXXX sports players Frauding scams using singers and bands and actors frauding scams using XXXX Fraud IDs scams using XXXX police IDs Frauding scams using XXXX school Frauding scams using XXXX politican listings Frauding scams using XXXX New York clothing Frauding scams using XXXX XXXX XXXX as IDs in XXXX  Fraud scams using book credits and book authors Fraud scams using chruch groups and pasters or ministers or preachers
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous and Associates  is reporting a erroneous debt on my credit file. I never received a call or notice about this debt and it was until i checked my credit that i noticed this debt. I have since called and paid the debt. Like i mentioned i was not notified about this debt and that violates my 30 day right to dispute. I have requested they remove the collections from my credit file as i was not notified about the debt and they refuse. I need these collections removed from my credit file ASAP.
Product: Mortgage

I XXXX XXXX XXXX am writing a complaint on SPS because they called my homeowener insurance company XXXX XXXX on XXXX XXXX. SPS told my insurance company to send me a threatening letter about charging me doubling insurance because I refuse to do a short sale. SPS also told them to cancel my homeowners insurance policy because they wanted all the furniture and personal items in my house to be lost/stolen and would not replaced. Finally they told XXXX from XXXX XXXX/Investor to come by house to tell me to get out. Please verify with XXXX @ XXXX I have called the police on XXXX. If SPS sends XXXX and any other mortgage company I will send the authorities to SPS Inc. in XXXX XXXX XXXX UT. I want the foreclosure sale date stopped or I will file a lawsuit.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX 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

I was in the market for a mattress and I came across and offer to use affirm to purchase it. I then filled out the application online and it told me I already had an account. I contacted affirm and the confirmed the email address and the debit card being used to make the payments before the default of payments is not mines. Then after their investigation they came back and told me I'm still liable for the payments of something I didn't receive and have no knowledge of. I've contacted the company several times, filled out police report and their identity theft/fraud form.I still have gotten no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX  XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.
Product: Credit card

On XX/XX/XXXX, my Citi bank credit card was charged {$14.00}, {$14.00}, and {$19.00}, all from XXXX XXXX XXXX XXXX XXXX I called my credit card company to dispute these charges. They canceled my card and issued a new one. Today, XX/XX/year>, I received a text message that charges were posted on my latest card, which I have not yet activated. Again, XXXX charges stated they were from XXXX + XXXX for {$14.00}, {$14.00}, and {$14.00}. I called Citi Bank again, and they will remove the charges. I have locked my card. I have also called XXXX, and they verified that I did not make those charges. The more significant issue is how anyone can access a card that has not been activated. I believe Citi Bank needs to do an internal investigation.
Product: Credit card

I have had several credit card accounts through Synchrony Bank. They will reduce your available credit every time your credit fluctuates down. Credit ia a tool that people use when they need to and as long as my payments are on time the available credit shouldnt fluctuate. No other credit card company does this and I feel it is unfair because of how volitile credit scores are- it makes me not want to have any account through them and they are the ones that do most retail accounts. I plan to slowly move my accounts to banks that dont treat you like a child and stand by their offer of credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I am disputing an item that needs to be removed. 

1. XXXX XXXX XXXX XXXX is a 2-year-old credit inquiry. It was pulled on XX/XX/2019, and should be removed.
Product: Debt collection

a dept. was put on my credit report by XXXX XXXX apartments in XXXX TX and then given to a collection company for collection and they put it on my credit report, I paid it so it did n't hurt my credit have written them to ask for proof it was mine they said then did n't have to give it to me it would just stay on my credit I also wrote all collection companies they said I needed to contact collection company no one wants to prove what THE SAY AND XXXX XXXX APARTMENT SOLD SO A DEAD END THERE I am XXXX years my home is paid for I have never lived in XXXX tx or signed for anyone there. can you help me
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Reports Criminal Activity by me Falsely Destroying my Good Credit and Good Name to Credit Reporting Agencies. XX/XX/XXXX RESPONSE CFPB XXXX. USAA Also reports me as Reporting Fraud on A RETURNED ITEM {$120.00} XXXX XXXX. I AM NOT A CRIMINAL. I DID NOT REPORT XXXX XXXX {$120.00} AS FRAUD XX/XX/XXXX. AFTER IT WAS RETURNED. Several attatchments Proove that Beyond a Shadow od Doubt. ( A ) XX/XX/XXXX STATEMENT ( 1 ) confirms {$470.00} IS WITHOUT THE XXXX XXXX {$120.00}. ( 2 ) Confirms NO BEGINING USAA TEMPORARY FRAUD INVESTIGATION CREDITS. A USAA POLICY WHEN FRAUD REPORTED. ( B ) attatched FRAUD LETTER XX/XX/XXXX ( 1 ) XXXX XXXX {$120.00} refers to CREDITS BEING REVERSED. ** Clearly this could NOT HAVE BEEN REPORTED FRAUD IN XX/XX/XXXX. They WERE NOT REVERSED UNTIL XX/XX/XXXX. see attatched STATEMENT XX/XX/XXXX. I. DEMAND USAA REPORT TRUTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Equifax exposed my sensitive financial information via a data breach on their servers. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, Equifax said. Upon learning of the breach i used Equifax 's own website www.equifaxsecurity2017.com to verify I was a victim.
Product: Money transfer, virtual currency, or money service

Capital One refuses to interact with slecific third party money services. Many services use a service called XXXX to get information so consumers can use their product with ease. But some banks, like Capital One, are really dragging their heels in working with XXXX  to have issues resolved. 

Since first downloading XXXX in XXXX of XXXX, I have had these problems. My specific issue lies with the inability to link accounts on XXXX. I called and talked with both Capital One and XXXX in XXXX of XXXX. Capital One assured me they were working with XXXX  onna solution but it has been months. I have seen no news of " working together '' only a growing list of people experiencing issues with Capital One 's grip on financial information. 

I greatly enjoy the benefits of Capital One credit cards, but this specific head ache has me looking to switch to competitors simply for the freedom of my own financial future.