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

XX/XX/XXXX I am writing to dispute fraudulent charges on my account and my EXPERIAN credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX POLICE DEPARTMENT. 

SINCERELY, XXXX XXXX XXXX XXXX
Product: Bank account or service

I have homeowners insurance through XXXX XXXX. After experiencing a loss due to a roof leak my first inclination was to contact my insurance company. Upon calling the insurance company, no one advised me of my deductible or provided me with any advice. They simply submitted my claim. Then I was referred to a restoration company by my agent. They provided service to dry my attic and repair my roof. Then they provided an estimate of the cost to repair my ceiling and interior damage. The total of all services added up to be less than my deductible. Therefore, my wife and I have to pay all costs out of pocket but XXXX XXXX is still treating this as a claim. How is it a claim against my policy if insurance covers nothing. Additionally, XXXX XXXX has denied our request to increase our premium and reduce our deductible because of the 3 year waiting period after a " claim ''. What good is insurance and how is this a practice that is allowed to continue???
Product: Credit card or prepaid card

XXXX $ I was so posted to get my money over XXXX and I dont know where is my money I did my Calm over 4 months and keep doing my calm And I didnt get nun on my card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with Transunion & XXXX  several times and nothing has been done. I received no correspondence or any results from the disputes I put in for the inaccurate items on credit. I have attached the letters I sent previously but there have been more. Please fix accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card number was stolen, and more than {$20000.00} of fraudulent charges have been made to the account. My address, email, and phone number have been changed to the wrong one over and over, every time I correct it, it gets changed from my XXXX correct address to a XXXX  incorrect address. 

I have spoken with fraud specialists at XXXX XXXX XXXX. At least 10 of them. Fraud charges are filed. I closed my account the beginning of XXXX. Called today, and it was open. ( XXXX, XXXX, DE ) Added verbal password, but it was only asked for maybe 4 out of 10 times. 
Spoke with XXXX, XXXX, XXXX At my local branch : XXXX, XXXX XXXX I reported to Experian that they have an incorrect address. They checked with XXXX XXXX XXXX, who told them that I do have a XXXX  address. I do not. 

The thief would contact XXXX XXXX XXXX when I cancelled a card to have the new card expedited to their address. They issued me 4 cards in 10 days. When they were ready to issue the fifth, I decided to close my account and bank with another company.
Product: Debt collection

This concerns XXXX credit card and their administrator Citigroup. My due date for this card is the XXXX. I began receiving calls from an XXXX number as early as the XXXX, perhaps the XXXX. There were 2 calls to me on the XXXX one left a message. I called them on he XXXX I was unaware that I had missed a payment as I generally pay online and thought I had done so. They were pretty rude on my call to them. The call was more a tone of delinquency than a 3 day oversight. This is not the first time that I encountered this with Citigroup. I immediately contacted their customer service and got a runaround. I asked to speak to a supervisor to get to the VP in charge of collections. Was told that it was XXXX XXXX. She would not or did not know ( really lame ) the contact info for him. I went online after that and after about a half hour was able to ascertain that informations.I emailed XXXX XXXX and he had someone contact me. The young lady was very nice but incompetent. She could not add anything positive to the narrative.The level of knowledge within Citigroup 's customer service and their collection department is POOR to say the least. More education and initial collection contact that more closely aligns itself to the timeline is NECESSARY! A friendly reminder is what's needed here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department Of Education/Nelnet Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATION/NELNET Potentially negative DEPT OF EDUCATION/NELNET Potentially negative They also each contain XXXX late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
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Product: Mortgage

After years of trying, in XXXX of 2013 Wells Fargo finally processed a loan modification ( after the MHA helpline intervened ). Unfortunately the modification as not done properly and instead of being " current '' once the modification was executed the mortgage was already thousands of dollars behind. While working patiently with them to resolve the problem I discovered that they had apparently changed the terms of the modification after I signed and sent it in, increasing the interest rate and adding a {$75000.00} balloon payment due at the end of the loan. After being recently laid off I applied for a HAMP deferrment and the application was being processed, but after I insisted on receiving answers about the XXXX modification being changed Wells Fargo sent me a letter saying my HAMP application had been withdrawn at my request ( it had not ) and they placed my condo into Foreclosure status and set a sale date for this tuesday without telling me.
Product: Checking or savings account

" Bank of America closed my claim for {$200.00}, it was opened on XX/XX/2023. I had a debit card and someone took the money from my debit card. They opened the claim and then closed it on the same day. They did not send resolution letter. "
Product: Debt collection

Credit collection services is trying to scam me and make me pay a debt I never had. Saying I owe XXXX XXXX XXXX when I dont even use them. I have XXXX.
Product: Checking or savings account

Between XXXX and XXXX there were charges to my wells Fargo account I never authorized
Product: Debt collection

Company has repeatedly called me from different nu.bers over a debt that is past the statute of limitations. Furthermore, company refuses to remove debt from credit report even though the statute of limitations has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Date Opened : XX/XX/2019 XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$760.00} XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent and inaccurate accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). These accounts are false and 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 Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.
Product: Student loan

My student loan debt is crushing at $ XXXX. I 'm on a graduated plan paying {$400.00} a month which apparently does n't even cover interest at this stage. My rate is 5.25 % which I ca n't lower. My car loan is 2.99 % and my home mortgage is 3.75 %. I have an excellent credit score, but none of this matters. Something needs to be done about the rate and relief of our student loan debts. I did n't go to college for XXXX and XXXX degrees to live like this. I could do and be so much more without this bringing me down. Something must be done. I know I 'm not alone and hope someone is listening to what this is doing to us and how ridiculous it is. This should not be happening to us in this country. I did n't dream since I was a child to be the first in my family to graduate college and better myself to deal with this. I also graduated XXXX and got a XXXX in grad school. I did my absolute best and always strove to XXXX, but for this? Absolutely not. We all deserve better than this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX CA XXXX
Product: Vehicle loan or lease

I took out a car loan from upstart and did not realize the type of loan i was taking out, i was under the impression that i was taking out a loan through the car company. the dealership did not explain to me what was being taken out and how much i would have ended up paying towards to a USED car by the end of the loan.
Product: Debt collection

Stole money from my cash app and told me that it was poor decision on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a summons was delivered regarding XXXX XXXX XXXX credit card with balance of {$2200.00} ; represented by Rubin Rothman law firm. An agreement was made between XXXX XXXX and Rubin Rothman law. Agreement stated that XXXX XXXX pay {$700.00} to satisfy {$2200.00} balance on XXXX XXXX credit card, bringing said balance to {$0.00} due. ( This conversation was legally recorded and can be offered as evidence ). Rubin Rothman law sent agreement in mail. XXXX XXXX paid balance on approx. XX/XX/2018. On XX/XX/2018 Rubin Rothman law sent document confirming the court was notified that this action had been resolved. Capital One changed balance from {$2200.00} to {$1500.00} due. Capital One has not changed the balance due to {$0.00} as previously agreement stated with Rubin Rothman law firm and satisfied by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going, and they sent the money that was in my balance to PayPal correction I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for months but i remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX account does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.
Product: Credit reporting or other personal consumer reports

I sent the below to all XXXX credit reporting agencies with no response. 
Re : Exclusion of Specific Transactions from Consumer Report To Whom It May Concern, After checking my consumer report, to my surprise the following company ( s ) is/are reporting a charge off ( s ) or late payment. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the following charge-offs ( s ) and late payments be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection I - reports containing information solely as to transactions or experiences between the consumer and the person making the report.15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such infor
mation not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed. 


Thanks,
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for their failure to correct fraudulent accounts and inquiries on my credit report. Despite multiple dispute submissions, Experian has not addressed these inaccuracies, which violates several provisions of the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Fraudulent Accounts Reported by Experian : XXXX XXXX - Opened XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  - Opened XX/XX/XXXX Fraudulent Inquiries Reported by Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX AUTO - XX/XX/XXXX Laws Violated : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] : Failure to ensure accurate reporting.

12 CFR 1006.34 ( b ) ( 5 ) : Inaccurate reporting of credit information. 
FCRA Section 605B [ 15 U.S.C. 1681c-2 ] : Incorrect and outdated information on the report.

FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] : Inadequate procedures to ensure accuracy.

15 U.S.C. 1692c : Inadequate compliance with debt collection regulations.

15 U.S.C. 1681b : Improper use of credit information.

15 U.S.C. 1681N : Violation of the FCRA and potential damages. 
I request that the CFPB thoroughly investigate XXXX practices and enforce necessary actions to rectify these inaccuracies. 

Thank you for your prompt attention to this serious matter.
Product: Debt or credit management

I am writing to file a formal complaint against XXXX XXXX for failing to deliver the services that were promised when I signed up for their credit repair services. 

On [ insert date you signed up ], I entered into an agreement with XXXX XXXX  to assist with repairing my credit. Their marketing materials, website, and sales representatives assured me that they would help improve my credit score and address inaccuracies on my credit report through their credit repair process. However, despite paying for their services, I have not seen the promised improvements or changes to my credit report, and my experience has been far below what was initially represented.

I have made numerous attempts to reach out to their customer service department to address my concerns, but the responses I have received have been unsatisfactory. I was led to believe that their services would result in tangible improvements to my credit, but after [ insert number of months ] of using their service, my credit score remains essentially the same, and no noticeable changes have occurred on my credit report. 

This situation has caused me significant frustration and financial strain, as I relied on their promises of improved credit to make important financial decisions. I believe XXXX XXXX has failed to fulfill their contractual obligations and has not provided the services I was promised. 

I am requesting that your office investigate this matter and assist me in resolving this issue. I would appreciate any guidance you can offer in holding XXXX XXXX accountable for their failure to deliver on their promises.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a store card with Saks 5th Avenue on XX/XX/XXXX. When I opened the card it was at the store. The card was approved for a credit limit of XXXX  dollars. I purchased 2 things, and purchased one more thing in which the sales person had to call in to approve it, because it put me over my credit limit. On XX/XX/XXXX I got an alert from XXXX that Saks 5th Avenue reported my balance to XXXX, which dropped my credit 55 points. How is it reporting before I have even received a bill, and also reporting a balance on the first day of opening card. This balance Also reported to XXXX which dropped my score 83 points. I talked to two supervisors from saks 5th Avenue card services. The first one said that it wasnt reported from them because it hasnt been 30 days and the only thing that should be reporting is a inquiry. The second supervisor said that my closing date was XX/XX/XXXX. So why did it report my balance on XX/XX/XXXX. I never received a bill or a closing date. This has been detrimental to my credit report. Ive never had a credit card that has reported a balance before a bill has been generated or before the closing date.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX