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

I am writing to dispute several inquiries on my credit report that I believe are fraudulent. I have no association with the listed creditors and suspect that my identity may have been compromised.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised your credit reporting agencies; was informed they are furnishing inaccurate and incorrect information about this consumer. The reporting of such an accurate information has caused me severe damage to my character of my reputation by general mode of living in my ability to obtain credit personal and household purposes you in your in accuracies reporting have damage my livelihood. 15 US C code 1681s-2 responsibilities of the of information to consumer reporting agencies. ( B ) reporting information after notice and confirmation of errors approach and show the furniture information relating to a consumer to any consumer report the agency if ( I ) The person has been notified by the consumer at the address specified by the person for such notice the pacific information is in accurate and the information is in fact in accurate Prohibition a law or regulation forbidding something as defined by internal Revenue Clearly States a canceled or change off is considered income, Gross Income or ordinary income. The reporting of these accounts as debt is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Theses accounts needs to be immediately deleted they was file
Product: Student loan

During the time my loan was scheduled for repayment in XXXX I was having to defer my payments. The problem came when the state of Utah ORS ( office of recovery ) was coming at me for XXXX XXXX   When asked to submit my bills to adjust the amount to be payed, they would reject my student loan as a legitimate bill. I spoke with my lender Great Lakes borrowing service and they said that ORS cant do that because it is a federally backed student loan, I replied I KNOW. Great Lakes says that I will have to put them in deferment. After they set the rate of XXXX XXXX I was able to find a higher paying job and once again they raised my XXXX XXXX  and again excluded the student loan as a bill I had to pay. I asked ORS why  this was and the replied : most men do not pay it when allowed as a bill so policy says that it should not be considered. I spoke with Great Lakes again and the says well you will have to put it in deferment. I wanted to fix my credit including my student loans so I began working a lot of overtime to try to get ahead and ORS raised my XXXX XXXX. And cause I showed that I can make more money on a regular basis as if I had a 2nd job. XXXX XXXX goes up,  Great Lakes says I have to defer payments. Now in XXXX I am finished with XXXX XXXX they can not come after me for it anymore. So I start working with student loans again and work into a repayment program. They come back and say my little {$19000.00} student loan is now up to over {$60000.00}. I felt abused by the system cause I should have been able to repay it. So I decided I was not going make {$650.00} monthly payment because it is not a bill according to the State of Utah. Student loans are now garnishing my checks and say that my {$19000.00} loan is now {$100000.00}. This whole process has not been fair. I feel my loan servicer should have stepped in to assist me with states absurd reasoning that it was not a bill. If anyone owes this bill it should be the State of Utah because they would not allow me to repay it at a time when it was manageable and took any excess money I could gather to use for XXXX XXXX of XXXX children. By the way my ex was the adulterer and I left and went to better myself for me and my children. I could never get on my feet financially. I had to have roommates to even afford a roof over my head. I lived in XXXX, CO most of that time. There was a much higher cost of living difference, but state of UT would not recognize that either. I feel that I have been punished for bettering myself for long enough and would like to see my student loans forgiven for attending a school that no longer exists. As a matter of fact the school instructor says it wouldnt matter if you didnt repay your loans cause they could take your house, car and taxes but they can never take away your education,
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF XXXX, EXPERIAN, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX received the following request to block, On XX/XX/2023 Equifax received the following request to block, and On XX/XX/2023 XXXX received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached. 


On XX/XX/2023 XXXX received the following On XX/XX/2023 Equifax received the following On XX/XX/2023 XXXX received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested Equifax and XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached.
Product: Checking or savings account

I attempted to open a checking account with BMO in order to transfer funds into it. I was told that I was not allowed to do to transfer of funds and flatout accused of fraud. I was told that they were retaining my funds n the account. When I informed them they had no legal right to hold my funds and that I was contacting your agency she didn't seem to care and hung up the phone.
Product: Credit reporting or other personal consumer reports

Transunion has added an additional record to my report to include banking information that was reported as fraudulent. This is usually. Therefore, i tried to dispute it on the credit report when I was abruptly logged off and tried several times to log back in but, I was denied access. I tried calling in but it led you to text which, the agent after giving my information told me to log in to dispute. I tried several times but no successful attempts not even getting someone on the phone.The additional information should not be on my credit report as it was checking account fraud
Product: Debt collection

Experian did not properly investigate my dispute. And now they failed to remove all errors reporting on my credit report
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

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

I had a direct debit payment scheduled on XX/XX/20. The payment was processed as an electronic check. According to the signed agreement, checks are only created after default. I am not in default with the company and did not authorize creating an electronic check on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023 it was brought to my attention that the back office of PNC Bank had closed down my newly formed home equity line of credit, approximately one week after its initial formation.

They then substituted my loan for an alternative product without my consent that changed my rate to variable vs fixed as initially agreed fully two points higher than the product initially issued.

The branch staff were unable to determine how this happened and immediately escalated the issue to three higher level banking officials within their organization and no response has been received to date.
Product: Debt collection

On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from Midwest Recovery Systems. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. Midwest Recovery Systems reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Collection Serv XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Collection Serv, I am writing in response to this you regarding the alleged debt referenced as account number XXXX. I hereby formally dispute the validity of this debt under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, and request that you provide proper validation.

Under 15 U.S.C. 1692c, I demand that you cease all further communication with me regarding this matter, except for the purpose of providing written validation of the alleged debt as required by law. Please note that any further communication beyond this purpose may constitute a violation of FDCPA and result in legal action. 

To properly validate this debt, I request the following : 1. Proof that I owe the debt, including the name and address of original creditor.

2. A detailed account of the alleged amount, including all interest, fees, and charges applied.

3. Documentation proving that you have the legal authority to collect this debt.

Until proper validation is provided, I request that all collection efforts cease. 
Additionally, I request that you refrain from reporting this disputed debt to any credit reporting agencies. Failure to comply with this request may also constitute a violation of my rights under the FDCPA.

Please respond to this letter within 30 days of receipt. I will retain a copy of this letter and your response for my records. Should you fail to provide the requested validation, I reserve the right to file a complaint with the Federal Financial Protection Bureau ( CFPB ), As well as pursue any other remedies available to me under the law. 

Thank you for your prompt attention to this matter Sincerely, XXXX XXXX
Product: Checking or savings account

I opened my citi bank account XX/XX/2023 while I live in Minnesota the closest branches to me are in Illinois so on a family trip I deposited my close out check from my previous XXXX  XXXX bank which I switched to citi from and my account was blocked and frozen I was told to wait 24-48 hours and give a call back when asked why the account was under review I was told no information could be provided. I proceeded back into the branch that I had processed the deposit to ensure that it was me and they reached out to customer service and was also told that I had to wait 24-48 hours. After the 48 hours was up I called and was told I had to wait another 24-48 hours because nothing was updated. I waited 24 hours and gave a call back I was told that they were unable to verify my phone number which was the exact same phone number on file I asked to speak to a supervisor and was denied I was told they were unable to verify me and was hung up on. I called back verified all of my information to customer service and was again transferred to their security department I provided my phone number which is on my account and again was told I couldnt use my number because it is not in public record which prompted me to check with the credit bureaus and my phone number is in fact on file with all three bureaus. I called back again and was told I had to wait on a letter with a reference code and all of my verification options have been exhausted which they only tried my phone number and told me it was unsuccessful even though I went into the branch and also verified my entire account plus my code word. I am still waiting on the letter which I have not received and all of my funds are in this account I have 2 children and I cant pay my rent or any bills and the bills that were set to auto deduct has bounced back. Citi bank has to be one of the worse banks I have ever encountered
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and I did not give permission for it to be shared for public record and Im on the verge of suing if it is not resolved.
Product: Mortgage

My hours have been cut due to the covid-19 making it difficult to pay my XXXX mortgage. I called Select Portfolio Servicing and was told that they automatically can put 3 months ( XXXX, XXXX & XXXX ) on the back end of loan. I inquired about not having the three months spread out over the top of the remaining months and I was told that would not be done. I asked if their were penalties and late fees for this and I was told there were none, that the payments are put on the back end of the mortgage. I called last Thursday or Friday, XX/XX/XXXX or XX/XX/XXXX & was told I will hear back in 3-4 days. Today, XX/XX/XXXX I looked online and saw my request was put in and a letter will be sent in 7-15 business days. I called customer service and spoke with a gentleman and was told that it could be up to 3 months before I receive their letter because they are so backed up. He also told me, " so you won't get a surprise '', that they could very well require me to pay the three back mortgage payments along with my XXXX payment. When I asked how I was expected to do that, I was told that " no one is telling you to do this '', it's not up to SPS. I have had 2 totally different conversations within 1 week. It is as if I were speaking with two totally different companies.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence throughout instigations. This practice violate : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Checking or savings account

On XX/XX/2019, Bank of America presented me with an offer to open a new checking account. The offer promised a {$300.00} bonus for opening the checking account and completing certain activities. Bank of America presented the offer to me after I logged in to view my Bank of America credit card details. I have screen shots of the offer appearing on my account summary screen, as well as details of the offer terms. 

On XX/XX/2019, I opened a checking account on Bank of America 's website using the bonus offer link provided. I subsequently complied with the bonus offer terms - completing the required direct deposits and waiting the requisite amount of time for the bonus to post to my account. 

After complying with all of the bonus offer conditions, I contacted Bank of America on multiple occasions to determine why the bonus payment had not been posted to my account. Most attempts to contact the bank resulted in no definitive response, as the representatives were unable to provide an answer. On XX/XX/2019, I contacted Bank of America again regarding the bonus and was told that I was not eligible to receive the bonus because I did not received an email or mail piece targeting me for the offer. I explained to the bank that I was targeted for the offer on the bank 's website, but was told that I would not be eligible for the offer based on that solicitation. 

I believe that I am entitled to receive the {$300.00} bonus offered to me. I was targeted for the offer on the bank 's website ( after logging in ) and complied with all of the offer 's terms. The bank 's excuse that I was not targeted for the offer via email or mail is not a valid justification for its failure to comply with the offer that was presented to me by the bank on its website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming a third party. They in fact did not come form a third party. I even called them to verify it was me and they refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not throughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX and XXXX/XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my credit report.