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

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to request your assistance in updating my address in my Experian credit file. Upon reviewing my credit report, I noticed multiple variations of my address, which may lead to confusion and issues with my creditworthiness. 

The correct address that should be reflected in my Experian credit file is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Currently, my report reflects several variations, including : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from Transunion, XXXX and XXXX that XXXX XXXX had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and Transunion this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Payday loan, title loan, or personal loan

I was initially contacted by XXXX XXXX in Fall 2016. Equitable Acceptance has partnership with XXXX XXXX/XXXX XXXX. These corporations are scam companies " dealers '' for Equitable Acceptance. XXXX XXXX XXXX calls individuals and present a con/scam that they can enroll students in a special student loan repayment program. These corporations inform students that they qualify for loan forgiveness program and much lower monthly payments to their lenders ; which would ensure less payment out of student 's pocket and more loan being paid off/forgiven by the government. These corporations inform that the offer is only provided through their enrollment and the program enrollment will be ending soon. These corporations charge a fee for this service, in my case it was {$1800.00} in monthly direct debit amount of {$30.00} from my bank account. But these corporations convince students this is a great deal compared to how much they will save you from paying back to loan lender. Once an individual agrees to enroll in their scam program, they are connected to Equitable Acceptance to set up payment plan for their {$1800.00} document processing fee etc. Unfortunately, I fell for their scam. The documents are actually available FREE on department of education website, that students can complete themselves for no charge. These corporations were submitting false documents on my behalf indicating that my annual income is lower than it actually is. I never qualified for any of the programs that would result in student loans being forgiven. It only ended up costing me {$1800.00} and additional length on my student loan re-pay since they enrolled me in extremely low payback program. I want these evil scammers taking advantage of vulnerable students to stand trial for their crimes and be incarcerated. This scam needs to stop! I don't expect to see my {$1800.00} again as they are a fraudulent ponzi-scheme company. But I don't want them to continue in business getting rich off poor working students and ripping of Department of Education at same time if they continue enrolling individuals in re-payment programs that they don't qualify for.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of the Equifax data breach I want the negative items deleted from my credit report effective immediately I'm attaching proof that Equifax admitted that I was a victim of the data breach and Equifax has done nothing please help me delete these illegal accounts from my credit report
Product: Vehicle loan or lease

The lease was paid off in XXXX, with proper documentation. XX/XX/XXXX XXXX cashed two checks for the amount of {$16000.00}. These two checks were stapled to a mileage odometer form as well as other lease ending forms. I have been fighting with XXXX since XXXX to get my title. It is now 5 months later and they still refuse to send me my title and officially close out my loan! I didnt even receive a final statement from them despite my account balance showing as {$0.00}. This is beyond frustrating as my lease is officially over in less than 30 days and this should have been taken care of MONTHS ago. Instead Hyundai has given me the run around. I even resent the odometer form at the beginning of XXXX after many phone calls. And they still claim they need it or they will not release the title. This has been the most frustrating process and at least 5 phone calls have been made. I made two today only to be told by the automated system that they could not take my call and then hung up on me.
Product: Debt collection

I phoned ATG Credit LLC, and advised them that I had just returned to work due to Covid-19, and to not pull my XXXX payment. But to restart my payments on XX/XX/XXXXsince I had returned to work. A supervisor told the representative that it would be okay to stop the ACH pull for XXXX. They waited 8 days and pulled the funds anyway. Causing a medical hardship because the money they took was for my medical premium which must be paid because I have a XXXX XXXX XXXX 

I requested they not pull any more funds from my checking account and they have yet to refund the monies pulled in error.
Product: Mortgage

I filed for XXXX XXXX XXXX in XX/XX/year> and listed the XXXX XXXX and assumed it was XXXX. I even checked the XXXX website and my account was blocked. I could get zero information In 2.5 years I didnt hear or read a word from them. No statements nothing. So this whole time I am assuming the HELOC was like a cc and discharged. Not even on my credit report. Then yesterday I get a Notice of Default with an intent to sell. So I freak out. Call the number on the notice told I have to call Alliant credit union - I do that and speak to loss mitigation. Explained and told I was sent letters that I never got. No emails. No calls. And they say its out of their hands. So no notice. My on line account is blocked. Not on my credit report and Im given the run around. And they are going to sell my house becz I owe $ XXXX dollars. Im suspecting fraud. Collusion. Lack following the federal and state laws. Failure to provide proper notice. How about a certified letter? They sent letters. Prove it. Why no statements? Why block my on line account? Im current on my mortgage taxes and insurance. Im suing for punitive damages. And discharging the debt. Suing both the XXXX XXXX XXXX and XXXX and XXXX. XXXX XXXX XXXX  and a permanent injunction. XXXX years. No word from them. Why? Thats waiver. XXXX. Failure to
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ALL THE FRAUDULENT INQUIRIES LISTED 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated   and I never graduated from college. Please review and remove this inaccuracies from my credit file.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. I was also part of a data breach with XXXX. I contacted the Federal Trade Commission and obtained a report # which is attached along with my personal information to prove my identity .The following accounts and inquiries do not belong to me and are a result of fraudXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Capital one bank had promotion for opening a new saving account during XXXX. They advertised that getting a new account bonus {$500.00} for depositing {$50000.00} or more of external funds within 15 days of account opening and maintain {$50000.00} or more in your account for at least 90 days. I opened that account on XX/XX/XXXX and transferred fund XXXX from my external XXXX  account on XX/XX/XXXX. I kept fund ( which above XXXX ) till XX/XX/XXXX ( which is over 90 days ). However, I only received XXXX XXXX  bonus on XX/XX/XXXX ( which is the lower tier of the promotion ). Then I called customer service on XX/XX/XXXX. The customer service told me that the reason why I could not get the {$500.00} bonus is that in Capital one term the 90 days starts after the 15 days opening period is over. For example, I opened the account on XX/XX/XXXX, the 90 days period started on XX/XX/XXXX. This does not make sense to me because there are only two requirement on its promotion : 1 ) putting fund into the new account in 15 days after the account is opened. ( I met ) 2 ) keeping the balance at least 90 days ( I met ). The promotion never mentioned that starting date of 90 days period starts the XXXX day after the account opening date. Even though the customer service apologized to me and agreed that this does not make sense, she could not do anything due to capital one system setup. I think this is false advertisement which mislead customer.
Product: Credit card or prepaid card

I applied for a chase business card credit card on the XX/XX/XXXX, I was informed by chase the card was approved! upon the arrival of the card I was informed that chase dose an auto review of all new accounts opened and that it would take 1-10 business days for an usage of the card. I explained to chase reps that I was excited that I could get an emergency flight to see my sick grandmother. After giving chase the allowed time just to review my account as previously stated chase to see if they completed the review so I could book my flight I was inform the account had been closed due to a previous account that was deem fraud in their internal system already also the card has another name tied to it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

-late rental payment ; landlord refused to accept rent -manager states we will only take your money once you move out -forced eviction -finally agreed to a settle offer and paid a reduced amount on or about XX/XX/2020 -neither the credit collection agency or the property management company would update my account status with the rental bureau would list my payment or that the account had reached a settlement offer. 
-I have had the account paid for over a year and it shows no payment as a result nobody in my area will rent to me, thereby leaving me XXXX  and sleeping in my car. 
-in my area if you have an eviction on your rental history nobody will rent to you. 
-this agency has from the time of eviction to the present date has shown an continuing form of housing discrimination and they need to correct my status and be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX and Experian credit bureaus. They are both reporting 2 accounts that had fraud charges. The first account is from XXXX  XXXX XXXX, account # XXXX open XXXX 2013 and the second account is from XXXX XXXX XXXX, account # XXXX date open XXXX 2013. I already tried disputing this directly with the banks but refuse to delete accounts. I have been a victim of fraud charges therefore this information has to be deleted as soon as possible. The FACRA requires you to block the fraudulent information from my credit reports resulting from FRADULENT CHARGES within 4 days and promptly notify the business that sent you that information.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX are obligated by the FRCA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4  days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report, if XXXX, TransUnion, and XXXX do not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB forms to audit consumers account. XXXX, TransUnion, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Transunion Commission file number. XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. Trans Union LLC, TransUnion Interactive , Inc. ( collectively, the TU Entities ). TransUnion Rental Screening Solutions , Inc. ( TURSS ). TransUnion Intermediate Holdings , Inc., Verisk Financial Services ( VF ) XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( collectively, XXXX ) for the dates associated with identity before being sold.
Product: Student loan

I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called XXXX XXXX, and Navient, and XXXX XXXX, and Navient again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoke to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though XXXX XXXX and Navient have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.
Product: Debt collection

Portfolio Recovery has been continually calling me daily, everyday, from multiple phone numbers. They report that they are looking to speak to an individual who is not me. I have continually informed them that I am not that person and that they have the incorrect number. I have asked them to stop contacting me, yet the calls continue. They use new phone numbers if i attempt to block their calls. 

I do not owe these people a debt, they keep calling asking for an individual who is not me. And despite being informed that they have the wrong number, they keep calling.
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 of a thorough investigation.

This practice violates the 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. 

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

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXF XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & # 39 ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you