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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Applied for XXXX before XX/XX/XXXX to be sure I would be eligible for the temporary program relief. Submitted proof of public service from employers of 10+ years. In XXXX I went in to some sort of repayment, forbearance, deferment or hardship all at the guidance of the loan servicer at the time. Never in default. In XXXX by the guidance of the loan servicer I was directed to consolidate my loans, not understanding or be educated that I would be put back at " XXXX '' in regards to payment counts towardXXXX XXXX. Now I'm told after 10+ years of repayment, forbearance, deferment and economic hardship, I only have 17 qualified payments. Servicers never allowed my forbearance to go 12 months consecutively, and was denied any type of forbearance or deferment when I off work duty to on the job injury for 12 months. Put me on a payment plan that I don't even get credit for even though I was still employed. Therefore it appears none of my forbearance, deferment will apply to my account. This is such a hardship for those who should and do qualify but were mis led with wrong information over and over again, and it appears, still are. Those who do work at public service jobs don't have time to sit on the phone for 5 to 9 hours to talk to someone who has no answers. Paperwork is lost and no indication that real help is on the way. The only thing I can get a clear answer on is what my future payment is and that does not look like relief. This situation is a mess. I expect my country to do what was offered and not make XXXX a hardship in its self.This is such a fight. It should be something good.
Product: Credit card

In XX/XX/XXXX I applied and was approved for a Citi AT & T Access more card, it came with a bonus offer of a free att phone ( {$650.00} ) worth if you spent {$2000.00} in 3 months, which I did. I did not use the offer immediately because the terms and conditions of the offer listed no expiration date. I called in on XX/XX/XXXX to check if the offer was still attached to my account and the lady said that it has expired. I then rechecked all the terms to make sure. Multiple calls and chats led nowhere, no offer to redo the spending requirement ( which I am willing to do ), no offer to fix the expiration problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request.

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Product: Checking or savings account

XX/XX/2020 I filed a dispute as I noticed fraudulent charges to my checking account and a credit card in my name. After contacting XXXX XXXX, where the transactions were made, it was made clear that my card was stolen and used without permission. My credit card company took action immediately and the charges were reversed. My bank SunTrust did not take action, nor did they reverse the charges so I filed a XXXX  complaint which is still ongoing as they refuse to do anything to rectify this matter. They only issued a new bank card to me following the initial dispute. Over 3 months later, they refuse to fix the situation even following a response from XXXX XXXX stating that if the charges were disputed by my bank, they refund the money per the decision made by SunTrust. The charges to be refunded total {$710.00} and this is completely unethical or legal what is going on at this point. This is money that I need for my bills and it was taken from me fraudulently and my bank who I have been with for a very long time should not be able to do this when XXXX has made it clear on multiple occasions now that they would refund the charges at SunTrusts request from my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello please help. 

I have 3 concerns.

Dispute ; 1 Experian is reporting my closing date with XXXX XXXX XXXX  card on XX/XX/XXXX when it is ( XX/XX/XXXX ) I have notified Experian with a letter of proof from XXXX  XXXX 5 times online and 3 times via letter and they refuse to correct my closing date. Also XXXX & XXXX in not reporting this ctedit line at all and needs to add it. 

Dispute2 All three credit bureaus is reporting 4 late charges XXXX, XXXX, XXXX, XXXX of XXXX on my credit report where XXXX cleared the discrepancy abd provided me a letter which they have having all the late fees removed but no change has been updated. Ive made 4 attempta with a letter from the merchant
Product: Debt collection

I 've continue to receive calls from a company called Eastbrook group who have threatened me stating they have sent police officers to deliver some documents in regards to check fraud claim. I received a phone call from XXXX XXXX who claims she is from the XXXX fraud processing department, requested for my current address information and if I did not respond the XXXX XXXX will issue a warrant to have me arrested. I do n't know what this debt is for, let alone I have not lived in California for two years.
Product: Checking or savings account

I do not have a Wells Fargo account so this is some scam. 
Yesterday XXXX texted me this - WF Alert : The XXXX USD you spent at XXXX on XXXX XXXX has been authorized. You not? Click https : XXXX to dispute. 
Now today XXXX texted me this - Wells Fargo Bank Alert : We have currently restricted your access to Wells Fargo Bank Online Banking due to suspicious activity, visit : https : //www.wellsalerts.com/? Login
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Product: Debt collection

On XX/XX/2022 certified letters were sent to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander. The letter sent was requesting proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was sent to me. We further went on to ask them to cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies until they can provide the proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was actually sent to me. Based on the tracking Santander receive the letter XX/XX/XXXX. 

Santander did not reply to my letter, so I was under the impression that Santander deleted the information off my credit report. To my surprise a couple of weeks ago I took a look at my credit report and notice Santander was still reporting incorrect derogatory information about me to the XXXX major credit reporting agencies. I wrote another set of letters to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander on XX/XX/2022 which they received XX/XX/2022 Still no response and the negative account still remains on my credit report. 

I have attached all the letters mailed, along with certified mail receipt and the proof of delivery from the post office.
Product: Student loan

On XX/XX/24 I emailed the XXXX XXXX navient.com email requesting a XXXX XXXX XXXX XXXX for my private loans because my school was sued for fraud, plus I received group discharge for my federal loans due to the fraud. Navient said they are sending me an application under a separate cover. Not sure what that means so I responded the next day XX/XX/24 stating that I havent received it yet, and asked that I receive my application via email instead of through regular mail. Id like to start the application as soon as possible as this fraudulent debt has been a huge burden that Id like to get corrected asap. 

So far I havent received the application nor heard back from Navient about when XXXX be receiving the application and how.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion multiple times about this company XXXX XXXX XXXX putting a fraudulent account that is not mine on my credit report. XXXX and XXXX have removed this item of my credit reports over a year ago because it was clear this was fraudulent. 
I wrote XXXXXXXX XXXX XXXXXXXX for the XXXX time on XX/XX/2022 to remove this account from my TransUnion report. I sent this letter by certified signature request. USPS tracking number XXXX. Which shows the letter being delivered on XX/XX/2022. It has been months and the company has not responded, they never respond back. I suspect they are not in business anymore. But for some reason TransUnion keeps on saying this account is valid. TransUnion is not doing a real investigation. I wrote TransUnion XX/XX/2022 about this matter and still have not got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX via mail and phone requesting the removal of the inquiries that I didnt apply to. XXXX informed me that they are accurate and will remain for XXXX years. I did not apply for credit to the companies listed with the exception of XXXX for XXXX XXXX and that company is listed twice on the credit file. I have not received documentation for verification of these inquiries.
Product: Debt collection

I had to voluntarily surrender the vehicle due to my finances and personal medical hardship. When the company picked up the vehicle they were very rude and threatened to garnish wages. After the vehicle was picked up I never heard from the company. I didn't even know what the remaining deficiency balance was until my credit was pulled. When I was advised it was on my credit I contacted the company asking for them to send me a paper with the detailed information about the deficiency balance and what they got for the vehicle at auction and so forth. I was told it would be sent, they had an old address which I had updated but clearly was never updated so once again I gave them the new address. I still never received any letters providing information. I never received any calls either. All of a sudden someone shows up to my home and asked my XXXX year old where I was and she told them I was outside so this man walks up to me and hands me a civil summons and says this is for you and XXXX. He never asked me my name or anything. When I review the papers I see its civil summons for the vehicle and on the papers once again they have an old address that I have told them I was no longer at. Also on the summons it stated they have tried to contact me and work with me on the deficiency balance which is a complete lie. I have never received calls from them and if they called they never left a voicemail stating who they were and where to call. I never received any documents in the mail either. I called them again yesterday after I got a response to my first complaint as they stated in the response that they have mailed things and called me but they were willing to still work with me. When I called the manager XXXX was not available so I was told he would call me today XX/XX/2019. I received a missed call from an unknown number and a voicemail. when I went to check the voicemail it was 6 sec long with no one speaking just complete silence. So how am I supposed to know who is calling me and to call back. I decided to call the number back just to see who it was and by shock it was the manager XXXX. He was very rude off the start of the conversation. I told him I have no documents and have never gotten any calls but am calling to see what they can do to work with me. Every time I tried to speak he spoke over me and told me I was being combative. I asked for his manager or someone above him as I could clearly not get a word in as he kept speaking over me. He told me there was no one above him and he was the only person that I could talk to. When I asked what options I had or what they could do to work with me he basically only gave me one option which I am unable to afford and that why I had to turn the vehicle in. he would give me any options to make payments on the balance anything and still kept being rude and interrupting me. The conversation got no where. So not only have they threatened us when picking up the vehicle but they never sent any documents and lied on the civil summons and are not willing to work with us at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a debt validation letter to XXXX XXXX and each time the company has failed to validate my debt. Instead the send a list of my medical records, which i know is a direct violation of the HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete all this information from my credit profile and cease all collection activities immediately. 

XXXX XXXX accounts {$130.00} and {$950.00} Transunion- XXXX account {$950.00} XXXX- XXXX account {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX  continues to verify loans that no Master Promissory Note exists for at a time I was not in school.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX system DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX system DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : Ideal collection service DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt collection

I had two negative debits in XX/XX/2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX XXXX  act # XXXX original amout owed {$3700.00} gave me a XXXX for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Now a company called Portfolio Recovery Assoc. LLC shows both as negative on my credit. I have reached out to them with proof of payments either with the XXXX and with the letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
Portfolio Recovery responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in XX/XX/2016 in agreements with other companies. I can submit proof.
Product: Credit reporting or other personal consumer reports

My credit card account with XXXX was charged off. I filed a dispute with all three credit bureaus for inaccurate reporting. All agencies reported that they have accurate information which is false if the report is different.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. I've been filing several complaints and getting the same results. This is not FAIR!! This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately