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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$580.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX ( Original Creditor : IXXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX MI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : U.S. Bank XXXX Acct XXXX XXXX Dear Sir/Maam, I recently used a check provided by your bank to Integrity XXXX in the amount of {$15000.00}, since the check noted that was the limit for use. Not having any idea that I had gone over any limit, as soon as I got home, I immediately sent in a payment in the amount of {$500.00} as I customarily do as opposed to waiting for my first bill to come in the mail to make my first payment. 

In the spirit of being a good customer and taking proactive action towards my debts, two days later I receive a notice from my credit monitoring agency that your bank has notified them that I was over the limit on my account and that this information generated a XXXX  point drop in my credit score. 

U.S. Bank did not call me or take any type of action to allow me to remedy this situation and neither waited five days for my payment to reach them ( which would have easily resolved the situation ) nor wait for me to receive the first billing cycle to find out this information so that I could take corrective action. 

I have been a good client of U.S. Bank for quite sometime and was honestly surprised to see U.S. Bank react in such a manner towards my account. At this time I am requesting that U.S. Bank remove this information from any and all credit reporting agencies and to restore and reflect my rightful credit worthiness with these reporting agencies. If I may be of further assistance please feel free to contact me through the information provided. 


Sincerely, XXXX XXXX
Product: Debt collection

I was sued. They won. I was not aware of any of this. Today I look at my bank account at it is empty, and so is my savings account. In total they took almost {$4300.00}. I now have an overdraft in both accounts. 
I am a student teacher and earning no income. I was living on this money until I finished school. I now can not afford to pay my bills. I do not know what I am going to do.
Product: Checking or savings account

On XX/XX/XXXX, I received an alert from my credit monitoring service that a bank account had been opened at Wells Fargo. Even though I first received notification about this account on XX/XX/XXXX, the alert indicated that the account had been opened on XX/XX/XXXX. I do not have any legitimate accounts at Wells Fargo, so this was a fraudulent account opened under my identity. I quickly called Wells Fargo on XX/XX/XXXX to close the account. After providing them with the necessary info, they said they would freeze the account and launch an investigation. The person I talked to gave me a reference number of XXXX. I asked if they could contact consumer report agencies/credit bureaus to remove the fraudulent account from my record, and they said that they didnt know if this was possible. They did not give me confirmation or any info that the account had been closed. 

I have not received any additional info from Wells Fargo regarding this fraudulent account opened under my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, I wanted to reach out please because I was charge for capital one member service fee in XXXX which I know I had reached out for an asked for a courtesy removal, the removal was never made in my account went delinquent and I had no idea, I received no phone calls or emails or any alerts! This is never happened before, I never use this account nor did I receive any alerts whatsoever. its unfair that because of the service members fee that capital one charged, my account went Deliquent which is unlike me and never even use this card! Please, please help me
Product: Mortgage

I applied for a construction loan through XXXX ( branch of Synovus ). After asking for a detailed list of steps involved in the process, I was verbally informed one of the steps would be to add my builder to their approved list of builders. My understanding was this was an effort to establish an ongoing list of approved builders in order to expedite the customers search for a builder. After approximately 8 weeks, I was informed they were unable to add my builder to their list due to them reaching the maximum number of builders acceptable by corporate policy. I was not aware this was a potential risk to my construction timeline and they were absolutely unwilling to make an exception. I requested a list of approved builder qualifications, but they insisted this decision had nothing to do with anything else. When I asked for the situation to be escalated, I received poor customer service from several people in mid level and upper management within both XXXX and Synovus. They failed on multiple accounts to provide promised follow up calls and none were knowledgeable about the policy. Due to time constraints for myself and my builder 's schedule, I had no choice, but to pursue a loan with another institution. As a consumer, I feel this was a very poor and costly experience. This has caused much stress on me and my family and it should have been avoided or at least properly disclaimed and explained. This would 've enabled me to make a more informed decision and account for the potential setback.
Product: Credit reporting or other personal consumer reports

my student loan that is adding XXXX balance and has been out of XXXX balance since 2023. And has been reporting. I do not owe any student loan debt. 

Out of nowhere on XX/XX/XXXX, I am now showing a balance of {$110000.00} which is not accurate. 

This is fraudulent reporting I have in the past shown proof this debt has been paid off and will attach this info here again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

XXXXRight to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision. 
XXXX.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently checked my credit and found an account from a company called Keybridge. I do not know who they are so I wrote a letter to them to the address they reported to my credit report. I have received no mail from them yet, and I do not know why! They have verified the accounts with the credit bureaus, despite my best efforts. I believe there is some sort of mistake, I don't think I ever applied for credit with Keybridge and I do not know why they have reported to my credit. They should send me the proper validation requested or they should remove the account. They have been really troublesome to work with, and I have no way to contact them accept an address that I've sent repeated letters to! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have an XXXX XXXX XXXX XXXX lease posting on my credit report with the account # XXXX. I don't know what this is I did not go for any apartment lease or any car lease so I have no idea on this lease that was taken out in my name. My identity had been compromised on the dark web in XXXX and in XXXX someone took a lease out on me and completely destroyed my credit. This account is not mine and was removed from the other two bureaus however, Experian continues to give me a hard time and won't have this account removed from my credit report. I will provide the FTC complaint document in the attachment below and hope the CFPB can help me with this.
Product: Credit card or prepaid card

XXXX XXXX closed my XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.
Product: Credit card

The promotion says : Through XX/XX/year>, eligible cardholders will earn XXXX miles on Capital One XXXX purchases. Rewards earned will post to your account within XXXX billing cycles. 

I purchased tickets with XXXX using my Capital One card while shopping and didn't receive XXXX points. The policy was very misleading. I even talked to the supervisor and he says I dont have the terms on my account. This can't be true because it say my " XXXX ... XXXX >Rewards '' then says " Enjoy your exclusive XXXX benefits ''. The supervisor said this wasn't specific to me and couldn't find it on my account. This whole situation was a headache and was far from clear. I thought any Capital One purchases under the XXXX category would be fulfilled with the XXXX points. How can they have a whole department under a category? That is too ambiguous and must be clear. This is deceptive advertising and it displays the use of unfair business practices.
Product: Student loan

I XXXX in a Title 1 school for a period of time in excess of 5 years. According to the XXXX Loan Forgiveness program, I was eligible to have up to {$17000.00} of my student loans forgiven due to this work experience. I was eventually ( it took a tremendous amount of time ) approved for the forgiveness, only to have my loans transferred to a new company before the forgiveness was applied. The forgiveness was never applied to my loans and the new company has refused to honor the previous approval. Also, due to my financial status I have had to keep my loans in forbearance, accruing more and more interest charges for amounts I likely will never be able to repay.
Product: Debt collection

This account is a bill from XXXX XXXX, where I've never been treated, in a state that I didn't live in on the date of service. I've disputed this collection account before and it was removed from my credit report, but it has been reported to my credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.
Product: Mortgage

During closing, the loan officer ( XXXX XXXX ) indicated that {$27.00} per month be held in escrow over the course of the yea to pay my taxes. At the end of the year, the account had a significant shortage because my taxes were roughly {$3000.00}. She based her estimation of taxes on the 2019 taxes. However, {$27.00} per month would not have been enough to cover that {$1900.00} amount either. Now, Loan Depot ( my mortgage company ) is demanding that I cover the shortage over the course of 12 months. Effectively doubling my mortgage. Ive reached out to them and asked them to extend the repayment. Since the was a mistake made by their representative ... ... ... .It has been 3 months of me paying double my mortgage and they continue to push the deadline for resolution further & further. 

To add insult to injury, Ive forced to find creative ways to pay this doubled mortgage while on maternity leave. It has caused significant strain & anxiety as a new mom. Their complete disregard for the lives affect by their mistakes is infuriating.
Product: Debt collection

Debt collection company, makes harassing phone calls at all hours, applies misleading and incorrect representations of accounts, by posting the same account under different account numbers in excess of XXXX times to each credit bureau. refuses to acknowledge or verify debt is actually mine to the individual credit bureaus, under the laws of Identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into a debt that has been erroneously associated with my identity. This account does not belong to me, and it has been wrongfully affecting my credit history. The unauthorized breach of my identity was committed by an ex-employee, who is responsible for this fraudulent account and transactions. I have reached out to both XXXX XXXX XXXX  XXXX to rectify this situation in accordance with the Fair Credit Reporting Act and my federally protected consumer rights.
Product: Debt collection

I do not have a signed contract nor any contract with CONVERGENT XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CONVERGENT XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several request in order to receive my consumer report from XXXX, LexisNexis and XXXX. However, I have not yet received the requested reports. Please advise me in how to remedy. I have provided the verification documents that were needed in order to fill my request.
Product: Consumer Loan

I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.
Product: Debt collection

I am being called by this debt collection company multiple times a day, every day of the week, and early in the morning/late at night. The calls are automated and a partial voicemail is left each time. I do not have any outstanding debt that I have failed to pay. The call is listed as Robo Caller by my cell phone company. I want this company to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to notice sent by Experian regarding XXXX XXXX. Neither financial institution were given consent by the Natural Living Man to run credit check because theres no such thing as credit check nor were there any consent to have third party non affiliates involved in private consumer transactions. If any employees from the Corporations disagree than proof must be provided. XXXX XXXX  conspired with experian to extort funds from the Natural Living Man regarding security interest in the financial instrument and yet theres no wet ink signature signed by the Natural Living Man regarding funds being given away or split between these corporations which are owed to him. Employees of XXXX XXXX has failed to validate any obligations via email in writing and yet employees of XXXX XXXX are willfully and knowingly violating 15 U.S.C. 1692d ( 5 ) -causing a telephone to ring or engaging any ( person ) in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Employees at XXXX XXXX are in violation of 15 U.S.C 1692e-false and misleading representation because banks or financial institution do not loan out or any assets of its depositors, employees of these financial institutions only buy and sell securities. Therefore Speedy Cash Employees were asked to validate in writing any such obligations but most importantly they have not specified the Language theyre implemented, XXXX XXXX, XXXX XXXX Manual or XXXX XXXX XXXX. 15 U.S.C. 1692f prohibits so called debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. ( 8 ) using any language or symbol when communicating with an alleged consumer by use of mails or by telegram. 

Therefore Speedy Cash is required to specify what specie of money granted, what specie of money are they demanding to be paid, who are they demanding to pay an obligation pursuant to XXXX XXXX, XXXXXXXX XXXX XXXX  and/or XXXX XXXX XXXX, has an obligation been breached by way of the Truth and Lending Act Regulation Z and provide the definition of the word Bill. Also Experian Employees admitted that they act as trustee in regards to the Social Security XXXX, Name and Account Number yet they have not provided the contractual obligation/personal responsibility contract where they were assigned trustee for the beneficiary. If they are creating bondage on the Natural Living Man then whos pretending to be the Trustee?