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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Update of Credit File Resolution of Collection Account Dear XXXX, Equifax, and XXXX, I am writing to request an update to my credit file following the resolution of a dispute related to a collection account. On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding collection activities conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX ). My CFPB case number is XXXX. 

As of XX/XX/XXXX, XXXX has confirmed that they have ceased all collection activities related to this account and have taken measures to ensure no further communications. They have also submitted the matter to the original creditor for review. Please find attached copies of my CFPB complaint and the companys response for your reference. 

Given this resolution, I kindly request that you review and update my credit file to reflect the current status of the account. Specifically, I ask that any references to this collection account be either corrected or removed if no longer valid. Ensuring accurate information in my credit report is critical for maintaining my financial integrity. 

Documents Attached : Copy of CFPB complaint and case details. 
Copy of the companys response confirming resolution. 
A copy of my government-issued ID for verification purposes. 
A recent utility bill or bank statement as proof of address. 
Please confirm once these updates have been completed or notify me if you require any additional information to process this request. You may reach me by phone at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the requested updates. 

Sincerely, XXXX XXXX
Product: Debt collection

BMW Financial Services can not validate this account. BMW Financial Services fails to show my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

XX/XX/XXXX I requested from XXXX a copy of my XX/XX/XXXX homeowners ins policy which i purchased they are less than cooperative, so i had to request it from you, Chase Your corporate office called me repeatedly, this is a do not call request, although you have one on file already. " Do Not Call '' Any information should be in writing. 
Let me know who has possession of my original or copies of mortgage documents from XXXX to present. You, Chase, or XXXX. 
I am requesting from you a copy of the XX/XX/XXXX homeowners policy i purchased if you do not have copies or you relinquish your responsibility to supply documents please put that in writing. 
In addition, tell me how many property inspection fees did you charge when you were in control of the mortgage XXXX through XX/XX/XXXX Send any documentation that implies XXXX is two separate properties, include any documentation you have indicating two separate policies for XXXX and XXXX XXXX XXXX XXXX if you have none state so.
Product: Credit reporting or other personal consumer reports

This is my second time writing to Experian to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

I demand a deletion of this old address from my consumer credit report : XXXX. XXXX XXXX XXXX XXXX Pa, XXXX Please delete this address, I can not receive mail or any correspondence nor do I have any access to that old address please delete this outdated address and update my current and only address.
Product: Credit card

I began treatment with XXXX on [ XX/XX/XXXX and paid {$2800.00} for a dental procedure aimed at aligning my teeth. Unfortunately, the procedure did not work as intended, resulting in damage to my jaw and nerves. Despite these issues, XXXX filed for bankruptcy on XX/XX/XXXX, leaving my treatment incomplete. They have since stopped servicing my account, including providing the necessary retainer, which has exacerbated the situation. I have attempted to resolve this with the company, but no further actions have been taken to address the damage or provide the required follow-up care. I called the credit company I financed and they keep giving me the run around. 
healthcarefinancedirect.com - ( XXXX ) XXXX. 
account Payment Plan ID : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt XXXX  school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, Experian and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX  account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # 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 account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I'm getting about 3- 5 calls a day from an automated system and they won't stop. It's been over 2 weeks now. 
I've requested the opt out selection on the automated answering service and I've also talked to 2 different employees on the phone requesting they remove me from their call list. That was roughly a week ago and the calls won't stop. 
I do have a personal loan with them that's about to be paid off this month. 

2 calls today XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/year>XXXX  - multiple calls but I deleted them Tuesday XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXX/XX/year> - XXXX and XXXX then XXXX and XXXXXXXX XXXX  at XXXX - spoke to the 2nd person and requested they take me off the list. 
There has been multiple calls like this everyday for over 2 weeks. This is what I have record of.
Product: Credit reporting or other personal consumer reports

i I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a marriage with a XXXX for over 26 years I was broken and lost as to what to do. One night I gained the courage to leave and was taken in by family and still am in the process of healing. In order to begin my next steps I gained copies from all 3 credit bureau and was devastated to what was on it. I had checked my credit around XX/XX/XXXX and it was a XXXX. So when I got the most recent I cried and almost just gave up. But I couldn't do that not to myself or family. I called all 3 credit bureau and asked for incorrect information to be removed and gave all 3 new address and phone number. To my surprise I wasn't allowed to remove some of them because the credit bureau said they were tied to my name. There are 2 Social Security numbers on there. And a mans name!!!!! From there I just sat idle I started a business for myself and just continued to make ends meet because I spoke with my bank and was told with my score it would be near impossible. I did some research and decided to do what I could. I paid my fingerhut account in full and through nerd wallet was able to get a small line of credit through XXXX. On my credit report there is one collection agency that is adding fines, fees, something to its balance monthly. I have no idea who these accounts are. I would like to share XXXX XXXX XXXX there are 4 files they have added on my report. I am going to list them now same agency XXXX XXXX XXXX. XXXX ) XXXX XXXX from XXXX XXXX XXXX one amount is XXXX the other is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  one is XXXX one is XXXX. 
I have closed accounts from over 9 years ago on my report. And to date there are 25 hard inquiries. I am lost as to what to do so I begin here thank you for your time
Product: Credit card or prepaid card

I bought a vanilla Visa card from XXXX XXXX check out on prepaid and it told me to wait 24 hours before using and so I waited but it still says invalid when I try and make a purchase
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that XXXX continues to ignore my requests for the removal of these items that have already been successfully removed from my TransUnion credit report. 
Therefore, I am requesting again that XXXX remove these items below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I demand the following accounts be verified or removed immediately. 
XXXX. XXXX5 U.S. CODE 1692G - VALIDATION XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XX/XX/XXXXAccount Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in XX/XX/2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WAS BEING BROKEN UNDER THE ( FCRA ) BY YOUR COMPANY, THIS HAS CAUSED ME FINANCIAL INJURY, ALSO THIS ISSUE HAS CAUSED ME DEFAMATION OF CHARACTER, I CANT GET A JOB, I CANT APPLY FOR CREDIT.UNDER THESE CHRISIS YOU HAVE HURT MY ABILITY TO OBTAIN CREDIT.I WILL ALSO BE FILEING A COMPLAINT WITH THE ( FTC ) CONCERNING THE NEGLECT OF YOUR COMPANY I HAVE PROOF ENCLOSED WITH THIS COMPLAINT THAT I REACHED OUT TO YOU GUYS OVER A MOTNTH AGO, AND I HAVE YET TO GET A RESPONSE FROM YOU GUYS.....
Product: Credit reporting or other personal consumer reports

I'm writing in response to a complaint file XXXX. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX XX/XX/2019 ] on Account : XXXXXXXX XXXX XXXX XXXX XXXX. On my XXXX. I have NO late payments which is CORRECT, but on my TransUnion and XXXX its showing different days which are NOT correct. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Checking or savings account

There was an illegal transaction done for {$400.00} done in XX/XX/year>. Navy Federal did a temporary credit until investigation was completed in 10 days. After few days they returned the credit and was again withdrawn from my account. Upon asking why, they stated we dont know you can file an appeal for this. Appeal was filed on XX/XX/year> and the bank refuses to update me or return my money. All the say is pending. And when ask for a time frame for completion they stated they dont have a time frame all I have to do is wait. Can take weeks, months or years.
Product: Mortgage

I am constantly receiving letter 's from Ocwen Loan Servicing. 
About possible foreclosure proceeding on my home. 
This happen is every month. 
I have been on time with my payments, and I am not behind on them.
Product: Checking or savings account

On XX/XX/2023, I noticed there was a charge on my Chime checking account for {$15.00} titled " XXXX XXXX '', I also noticed a second charge that was pending for {$17.00}. It also later posted as a " XXXX XXXX ''. 

I called Chime Customer Support and spoke to two different people about this. They explained that a XXXX XXXX is when you withdraw money from an ATM but they don't remove the same amount of funds from your checking account. For example, you withdraw {$100.00}, however your account only reflects you took out {$80.00}. So, they come back and get the {$20.00} as a XXXX XXXX. At least, that's my understanding. 

My issue with this is I had not used an ATM for 4 months. The last time I used an ATM was back in XXXX on XX/XX/XXXX and another time on XX/XX/XXXX. For both of these times, I was charged the entire amount that was removed from my checking, {$80.00} + {$2.00} ATM fee ( {$82.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX, and XXXX XXXXXXXX {$2.00} ATM fee ( {$120.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX. 

I am needing Chime to explain to me why I am seeing a " XXXX XXXX  '' months after I've used an ATM for {$15.00} and {$17.00} using math and specific transactions. Because the math ain't mathin ' for me. Both people I spoke to could not do this. The manager I spoke to told me to send an email with screenshots to XXXX. I did this right after I got off the phone with him. It is now 8 days later and I've not heard one word from Chime about this. I've followed up three different times via email. 

I have already moved all my money to a different bank and set up my direct deposit to go to a different bank as well. But I am still going to need an extremely detailed explanation as to exactly why these two " XXXX XXXX '' are appearing on my account. I need statements to fully break down the math.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XXXX XXXX XXXX I sent the first of many letters to all three credit bureaus Equifax, XXXX  and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. <P/>I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. <P/>The dates of the letters are as follows First Letter XXXX XXXX XXXX - Equifax XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Second Letter XXXX XXXX XXXX - Equifax, XXXX, XXXX Third Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Equifax, XXXX Fourth Letter XXXX XXXX XXXX - Equifax
Product: Debt collection

The company failed to provide proof of debt but is constantly trying to garnish my wages. 

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

Pleased remove these unauthorized inquiries on my credit Report immediately that's reporting on transunion Experian and Equifax credit report.
Product: Checking or savings account

Fraud department somehow thinks that my standard rent payment which has been made monthly for almost 3 years is now " suspicious ''. They have cancelled my payments EVEN AFTER SAYING THEY WOULD NOT. 

I have no recourse and guess what, rent is due. Unbelievable.
Product: Debt collection

I'm on social security XXXX and I can not afford to make a payment plan. I intend to file bankruptcy this year. They want me to disclose personal information without telling me why they are calling and leave ghost voice-mail. No letters or nothing else no correspondence
Product: Payday loan, title loan, or personal loan

On XX/XX/17 Lendmark Financial Services LLC approved me for a title loan in the amount of {$7100.00}. The account number is XXXX or XXXX. I gave them the actual paper title to my vehicle. They did not receive any consumer goods from me. The promissary note that was provided to me corroborates this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


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

XXXX XXXX XXXX/Navient is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXX. XXXX XXXX/Navient to correct this issue and update my credit report for all 3 bureaus.
Product: Checking or savings account

I completed the online account application process with cit.com on XXXX XX/XX/2023. The application process failed, without providing a reason. I telephoned CIT Bank Customer Service and was told my application had been rejected, but they were unable to provide a reason. I was told someone else would phone me within 3 business days to explain the rejection. 

On XXXX XX/XX/2023 I still had not heard from CIT Bank so again phoned Customer Service. They again had no explanation for the rejection. They suggested I submit another application.