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

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries appearing on my credit report. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a collection from XXXX XXXX XXXX on my Transunion credit report for sometime. I was able to dispute it with XXXX and XXXX and they removed. Transunion has yet to provide the documents necessary to prove that they verified it was me. My identity was stolen therefore this was a cause of that.
Product: Vehicle loan or lease

I paid off my loan on XX/XX/XXXX with a cashier 's check. Ally confirmed receipt of the payment, and told me they mailed the lien release on the same day. I told them the dealership where I traded in my vehicle needed a lien release right away, so Ally told me they would FAX a lien release to the dealership on XX/XX/XXXX. On XX/XX/XXXX, I called them and informed them the FAX was not received. They said they would FAX it again that afternoon. On XX/XX/XXXX, I told them I had not received the mailed lien release. They told me I should receive the mailed lien release by XXXX. On XX/XX/XXXX, I received an email confirming that the lien release had been mailed, and I should expect to receive it within 7 days. 
On XX/XX/XXXX, I called them and let them know the FAX still had not been received by the dealership. The agent said she would send the request to another department and they would FAX the lien release in 1 to 2 days. On XX/XX/XXXX, the faxed lien release still had not arrived. I called Ally and they said the FAX request was currently being processed and the dealership should receive it by XXXX XXXX the same day. On XX/XX/XXXX, the XXXXAX still had not been received. I called Ally, and they told me they needed another 1 to 2 days to process yet another FAX request. I asked to speak to someone in the Consumer Relations Department.

So far, this was one request for a mailed lien release, and four requests for a faxed lien release. 
The Consumer Relations Department told me that either on the XXXX or XXXX, I would be able to obtain the lien release by logging in on their website. On the XXXX, I called Allys Consumer Relations Department again. They told me I needed to wait yet another 1 to 2 days before I could access the lien release. In the meantime, the mailed original still has not arrived. Every time I speak to them, they tell me they must send my request to another department, and it will take another XXXX to 2 days for the request to be processed. Over and over again, I have done this, to no avail. 
Here I am, three weeks after paying off my loan with a cashiers check, and I still do not have a lien release after repeated promises to provide one for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is this report?? 
This information is wrong and you need to remove the entire tradeline
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under it open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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 XXXX : 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) / XXXX 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 Equifax 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'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 XXXX  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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a freeze on my Transunion account and have been unable to unfreeze it despite multiple attempts. I was given the run-around from their phone support. I have my login and password and was asked to submit a verification code but the code was never sent to my email and it locked me out. I then spoke with an agent by phone and was again told I would be sent a temporary code or password that would help me login, but was not successful. I finally called XXXX and was able to get it unlocked. 

I have been the subject of identity theft in the past and am very sensitive to preventing this from happening again. The credit reporting agencies, especially Transunion, provide very poor service and create headaches for people. My credit score is excellent ( XXXX ) and I should not have to go through these headaches just to ensure my credit report is accurate and my identity is not stolen. 

I would like for disciplinary action taken against Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Debt collection

I recently contacted XXXX about multiple misleading accounts on my credit report. They still haven't fixed these issues. I'm down and out and missed multiple credit related products due to XXXX mistake. 

inaccurate reporting. 
Misleading false reporting this account is negligently and inaccurate reporting failing to comply to 15 USC 1692 ( g ) Under penalty and perjury, I swear this is account is false and misleading.

Under the fair debt collection practices act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1692 ( g )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with Experian and XXXX about the unverified account XXXX/Account number XXXX and XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX was remove from XXXX because it was deemed unverified, but Experian and XXXX have yet not removed it from their reports yet and I have asked for their methods of validation several times. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX XXXX account XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also says a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2017, Equifax made public that they had been hacked by an unknown 3rd party. On this same day, I used their website to find out that I may have been one of the 140 million people who may have had the their information stolen.
The incompetence of this company may now affect my personal credit for the rest of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute this item serval times I never file bankruptcy XXXX XXXX   said the remove from my report Experian and XXXX XXXX are still report error on my credit report
Product: Credit card

Fraudulent Bar Charge Dispute with Barclays XXXX Submitted Fake Receipt and Made False Statements I am filing a formal complaint regarding a fraudulent {$300.00} charge that was placed on my Barclays credit card by a bar owner, and the subsequent mishandling of my dispute. 

On XX/XX/year> I visited XXXX XXXX and was charged {$200.00}, which I agreed to and do not dispute and then another {$300.00}, an amount that I did not authorize and which does not reflect the cost of my purchases. I was taken advantage of while under the influence of alcohol, and the bar owner failed to provide an itemized receipt, nor was I made aware of the charge at the time. 

Upon discovering the unauthorized charge the following morning, I immediately disputed it with Barclays. However, during their investigation, the vendor submitted a receipt for exactly {$300.00}, which I never signed, and no itemized receipt was provided. It is highly suspicious that the total would come out to exactly {$300.00}. 

Moreover, the vendor falsely claimed they did not notice that the receipt wasnt signed, implying that this was an oversight on my part, which is an absolute falsehood. This is clearly an attempt by the vendor to mislead Barclays and avoid taking responsibility for their actions.
Product: Debt collection

Subject : Request for Purchase Agreement, 1099-C Form, and Original Contract Dear Midland Credit Management , Thank you for your response regarding the accounts associated with my name. I appreciate your acknowledgment of my inquiries and your commitment to consumer rights. 

In order to proceed with my records and understand the transaction better, I kindly request the following : 1. A copy of the purchase agreement related to the sale of the debts referenced in your letter.

2. A 1099-C form for the charged-off account.

3. A copy of the signed original contract associated with these accounts. 

These documents are essential for my records and will help clarify the details of the transfer of ownership from the original creditor to your agency. 

I look forward to your prompt response to these requests. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX I made XXXX payments to payoff my Chase XXXX Credit card. I am still receiving a balance that is only interest. I don't understand how interest can accrue when I paid the balance off! I'm also aggravated at the fact the charged me a late fee and other fees because I didn't pay this interest when they wanted it!! My daughter, XXXX XXXX, was paying on it as well and Chase took out a {$50.00} autopay out when it shouldn't have been a payment owed. I tried to call Chase today to rectify this and all I got was transferred to XXXX different people and no resolution.
Product: Mortgage

Vanderbilt Mortgage XXXX XXXX has me on a XXXX year mortgage. I know they have over charged us on our loan. We wanted a place to stay they got over on usXXXX XXXX year on XXXX. My husband and I went into XXXX  XXXX because we lost our job. Finally we are back on our feet. I feel they have overcharged us. Now we are almost at the end of our loan. And I dont want to be identified because they are dirty people.
Product: Mortgage

On XX/XX/XXXX I went to Wells Fargo and asked if I could skip a payment because I had several medical bills. I spoke with XXXX XXXX. I agreed to pay {$400.00} more a mo. from XX/XX/XXXX to XX/XX/XXXX. I paid for XXXX on XX/XX/XXXX. I received my XXXX statmt and it showed my reg. pymt. I called on XX/XX/XXXX and spoke to XXXX and XXXX. The call was recorded. They told me the loan was paid and I had {$740.00} in a suspense acct.that I could use for my XXXX pymt. I only had to pay {$300.00} for XXXX. My XXXX statmt. showed 2 mos.late. I called and spoke to a supervisor, XXXX. She said XXXX and XXXX were wrong and I still had to pay my regular pymt plus {$400.00} extra in XXXX. I told her I had already paid other bills and only had {$300.00}. I asked her to listen to the recorded phone conversation I had with XXXX and XXXX. She said they were wrong and I still had to pay. They also reported to the credit bureaus that I was 3 mos.late with my mortgage. This isn't true.
Product: Credit reporting or other personal consumer reports

XXXX XXXX of XXXX, vehicle finance managers are requesting co-signer based on the credit report negative deficiencies inaccuracies. 

The XXXX XXXX is showing negative, inaccurate lien holder, lack of increase of credit score. A XXXX XXXX XXXX and a XXXX is a positive credit history, non-report, and depleted. All collections accounts are under a hardship program for me which does not show in the credit reports. A loan for {$56000.00}, {$27000.00}, {$36000.00}, and {$22000.00} school name is N/A consolidation does not match outstanding balance or loan amounts. Because of all of these deficiencies, there is no brace or aid that will suffice all The ruins on my credit report. 

To resolve, I dont want my name and character to be ruined or denied. I dont want creditors to deny cause of that info in my report. 

Please get back with me in 7 days or by the XXXX for a resolution change in credit report account information to meet creditors needs. 

Thank you, XXXX XXXX
Product: Checking or savings account

I received a debit card in the mall to a bank I have never heard of. I called them and they said that it was opened with my correct name, address, and social security number. They said there was approx. {$2000.00} in the account. I also received letters that some kind of transfer of around {$2000.00} from this account was declined.
Product: Bank account or service

Chase Bank restricted my account, without any notification to me. Then says they are going to close it. When I called on XXXX, the lady implied that the closing of my account would be in a few days. Then I 'd receive a cashiers check in the mail within XXXX to 10 business days. I called in today to get a status and the lady told me pending the closure of my account, I 'd receive my check in XXXX to 10 business days. I demanded to know when my account would be closed by Chase and she said it 's scheduled to close on XXXX XXXX. Then in XXXX to 10 business days from that date, they will mail my check. All my money is in there, I have no resources to pay my portion of rent, food, gas, ANYTHING. I did not want to close my account, I have no idea why this is happening. This is unjust and they are going to put a family on the street and can not even give me a reason why they did this. Nobody has the right to hold ALL someones money.
Product: Consumer Loan

ONE MAIN FINANCIAL - XXXX, TN. Borrowed {$7500.00}. I have paid {$1800.00} on loan and they say my principal I owe is more than i borrowed. They say if i paid it off it would be XXXX and i borrowed XXXX. VERY DECEPTIVE
Product: Checking or savings account

I did my part but the amount is still due. The representative state after this was promised auditors came in and reversed the decision without sending notification that this is what happened. I requested when this happened, notes, and call history however was denied. None could give me a definite turn time on when I would get this or when this world be completed. 


XXXX XXXX, Related to your call earlier today, here is a summary of all notes on your account. Please note that obtaining exact records of these cases or a copy of the call would require a court subpoena. 

XXXX called in with a Citizens One rep with questions about the loan. In XXXX, she moved to an unserviceable address. An agreement was reached that she would still need to pay off her equipment loan with Citizens, but that we would forgive her monitoring fee for the remainder of the contract, as noted in that same case. 

However, XXXX claims that on a phone call with a rep at XXXX, she was promised that her Citizens One loan would be forgiven. There are no notes detailing this promise. She was unable to recall when this call might have taken place. 

Resolution : emailed CEFollowUp with a date range to see if they can find the call. 

Date : XX/XX/2019 XXXX spoken to : XXXX XXXX [ XXXX ] Thank you.
Product: Checking or savings account

I financed an online XXXX  purchase through Klarna in XX/XX/XXXX. I paid Klarna the {$450.00} balance in full in 6 months. In XXXX the concert was postponed and on XX/XX/XXXX the concert was canceled. Klarna emailed to me a statement showing a {$450.00} credit balance. I called XXXX on XX/XX/XXXX and was told that they would issue a refund by check within 21 days. On XX/XX/XXXX I called Klarna again as I had received no check. Klarna had no record of my prior conversation, so they told me they would send a check. On XX/XX/XXXX, I received a check for {$83.00} ... .not the {$450.00} as shows on my Klarna statement. I have made repeated calls to their customer service number and their non-American based agents are so poorly trained that they can not even understand this very basic series of events. Klarna owes me over {$350.00} and it is impossible to communicate this point to them. I need help.