23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, on XX/XX/2020, I had my credit pulled without my authorization by the company Loan Depot. My husband and I are attempting a refinance, and we told the loan officer we did not want any hard polls on our credit until we could see the numbers. I was told on the phone that this would not happen. Not 10 minutes after getting off the phone, I got an alert that my credit was pulled by his company. My credit score dropped 3 points do to this unauthorized pull.
Product: Credit reporting or other personal consumer reports

Subject : Request for Fraudulent Account Deletion from Credit Report Dear [ Experian, XXXX, and XXXX Representatives ], I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} Hard inquiries - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft!!! Please add a fraud alert on my credit as soon as possible to stop this! I was researching the Fair Credit Reporting Act and according to them, block all fraudulent information off my credit in four business days, thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Citizen 's Bank turned my daughter down for a student loan and I her father was turned down as a co-signer. I have an excellent reputation with the Parent Plus Federal Loan and any other current loans. I receive government subsides to carry forth my life. I explained to Citizen 's Bank at great length ( included ) that I am in the process of disputing claims against my credit by XXXX, XXXX, and XXXX XXXX. I have already erased one of these blemishes. Unfortunately, only XXXX XXXX has responded ( with a copy of my credit report ) to the legal firm representing me ( XXXX XXXX included ). I feel that the fact that this is a loan for my daughter, who has an excellent grade point average, a job in the XXXX field ( her major in college at XXXX University ). My daughter being a young women needs a chance to display her ability to enter into a contract, I feel the bank has not considered this. Her father has an excellent " A '' rating with all credit reporting agencies in repayment history. I do n't understand why the federal government has no problem understanding the hardships my family has been through ( a XXXX divorce - XXXX years ) and the bank fails to understand that the debt belongs to my ex-wife. I have shown with the enclosed information that I take my credit history seriously and paid any and all creditors whether it was incurred by me or not during my marriage. The bank I feel has been prejudical toward my daughter and myself by taking the side of creditors that they do n't even know the history of. Everybody in this world deserves a chance to succeed. In these hard economic times, the government bailed banks out with tax payers money, now this tax payer is now asking the bank to help him out. We entered into a contract with the federal government and they felt my credit was fine. We are prepared to enter into a contract with the bank and in recent years through this divorce both my daughter and I have shown that we pay our debts. I feel that this bank has acted discriminatory without reason. Anybody in the public domain understands that these credit reporting agencies are not public friendly. We hope that you can help in obtaining in the loan so that my daughter can continue her studies.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash app ( Block, Inc. ) The reason for the compliant, due to inadequate customer service and unfair practices which also violates the Consumer Financial Protection Act ( CFPA ). Cash app also failed to take timely and effective measures to prevent and address fraud on their platform causing my account to be left unprotected. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have made a significant inconvenience and financial loss.
Product: Money transfer, virtual currency, or money service

I woke up on XX/XX/XXXX with a notification from the bank saying my XXXX $ dollar stimulus check has arrived, so I went to check it and all XXXX dollars was gone. I checked my transactions and 6 different transactions were made stealing my XXXX dollars. They started at XXXX. The bank did nothing to stop these transactions. By the time I notified that bank there was nothing they could do the money was already gone. Ive tried to talk to them everyday since then trying to get updates on the investigation and at XXXX XXXX  on XX/XX/2021 I got an email saying investigation is closing they sent me XXXX . Thats all they recovered outta my XXXX dollars that was stolen from me. The bank is call current and they will not give me a reason why they cant refund me the rest of the XXXX that they couldnt protect from getting stolen in the first place. Ive called the police, ive called the fbi, ive filed for identity theft, ive gotten texts from the hackers. I sent the bank all the information I had. And they are refusing to pay me all my money back that was stolen from me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I started an online applica tion with CIT on   XXXX   XXXX ,  2017 . There was a technical error where I was unable to click on a button on the web form, and I was unable to complete the application. I called in to get help with the application, but they said it was probably a typo. On  XXXX   XXXX ,  2017 , I received an email  for CIT  saying they were n't able to open and account and to call in if I had any questions. I called on  XXXX   XXXX ,  2017 , but I was unable to get an answer as to why an account could not be opened. I called again on  XXXX   XXXX ,  2017 , and after a lot of prodding, I was told I could not be found anywhere in the nation. The person I talked to did not believe me that there was a technical error, and that I was unable to complete the application. On  XXXX   XXXX ,  2017 , I sent an email detailing the problem and received an automatic response that I would hear ba ck in one to two business  days. I have not heard back.
Product: Credit card or prepaid card

Wells Fargo has made it incredibly annoying when trying to pay a credit card payment. I called in to make a payment with a debit card and was told that to use my debit card I would also need to provide my routing and account number. I don't have access to this information and I know there are plenty of other people out there who also don't carry this stuff around with them. I want to make a payment with a debit card but I can't because to use a debit card they want ACH information. This seems strange especially since debit cards are often used to avoid giving out routing and account number. This is incredibly frustrating.
Product: Debt collection

I had a XXXX account in XXXX. I lived in an area where they could not provide service. They approved me cancelling my contract based on this. After the contract was cancelled they stated I owed them XXXX dollars for early termination. I explained what their representative had stated and was told that they could see in my account where I was told I could cancel my contract due to service not being available in my area but then stated that was not something they could actually do. At this point my contract had already been terminated. I have sent paperwork multiple times stating everything XXXX said, coverage maps and my stated release from this contract and any payments due based on inability of XXXX to provide service to me. It has been more than 10 years and Jefferson Capitol puts this collection back on my credit report every year or two and I have to open a dispute again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THE FRAUD ALERTS TO BE PERMANATELY REMOVED FROM MY CREDIT FILE. EQUIFAX HAS REFUSED TO REMOVE THE FRAUD ALERTS ON XXXX OCCASIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Debt collection

In regards to resolving a issue, I reached out to an attorney in XXXX and there was no way to get a hold of them to resolve this issue so now I am reaching out to the CFPB to get this resolved. 

This email is sent from an general attorney on base XX/XX/2019. 

Good Afternoon Ma'am, I have been trying to get in contact with the leasing office since we met. I have left voicemails and have not had any of my calls returned. I will draft a letter requesting information and request your deposit, additional rent, and cost for the carpets be refunded to you immediately. Because of the time difference, if it is at all possible for your husband to go to a local Legal Assistance Office, they may have better communication capabilities with the apartment complex. 

Before I send the letter, I will provide you a copy for review. Please let me know if you have any questions. 

XXXX, XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX Legal Assistance XXXX FOR OFFICIAL USE ONLY. Information contained within this document or its attachments may contain personnel information, disclosure of which is generally prohibited by the Privacy Act ( 5 U.S.C. 552a ).  Protected information included in this document or its attachments are in accordance with section ( b ) 1 of the Act which permits disclosure to individuals within the Department of Defense ( DoD ) with an official need to know. Release of such protected information outside of DoD is prohibited.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX 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, Experian may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 A XXXX XXXX XXXX opened at XXXX XXXX on XX/XX/XXXX XXXX  number ( XXXX ) a Personal XXXX XXXX  opened at XXXX XXXX XXXX  on XX/XX/XXXX XXXX number ( XXXX ) a XXXX XXXX opened at XXXX XXXX co on XX/XX/XXXX XXXX number ( XXXX ) a XXXX XXXX  opened at XXXX XXXX on XX/XX/XXXX XXXXt number ( XXXX ) a XXXX XXXX  opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX  number ( XXXX ) a rXXXX XXXX  opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX number # XXXX, a iXXXX XXXX opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud
Product: Checking or savings account

My claim was denied by bank of america and upon filing a complain with CFPB, they have reopened my claim on XXXX XX/XX/year>XXXX  In accordance to Regulation E, which also applies to reopened claims, I should receive a provisional credit within 10 business days. Today marks the end of 10th business day and yet I have not received the provisional credit. When I called the bank the agent gave me false statement that Regulation E does not apply to re-opened claims. I have done my research and verified that the regulation E definitely applies to claims that are re-opened. Please inform the bank that they should comply to Regulation E and issue me provisional credit. I have attached screenshots of my claim when it was re-opened and the current status.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account was CLOSED. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting. Please remove it from my credit report XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 


XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems reopen an account that was previously closed without my consent. And this is not the first time that this company reopened this account. This account was originally closed/charged off on XX/XX/XXXX. Transworld systems reopened this account on XX/XX/XXXX and later reopened the account again on XX/XX/XXXX. I contacted the company and the credit bureaus about a potential error because it is unusual for closed accounts to be reopened. I didnt get a response from neither of them. And this account keep being reopened which is frustrating because I havent received anything from them that verifies that this account is mines. I have asked these companies for the original contact barring my wet signature. I would like to so that contact asap. The account number is XXXX, the account name is TSI .
Product: Credit reporting

I have sent Experian XXXX seperate letters asking them to verify the accuracy or remove the unverified accounts listed on my credit report. 
Experians XXXX response was that it was a SUSPECIOUS REQUEST and not sent by myself, even though I enclosed a copy of my drivers license and social security card. 
I have not recieved a response to my XXXX letter mailed on XXXX XXXX, 2015, and recieved on XXXX XXXX, 2015 as of yet, Today is XXXX XXXX, 2015 and the 30 days allowed has passed with no response. 
Enclosed you will find copies of both letters sent by CERTIFIED MAIL. 
Also enclosed is Experians response to my XXXX letter. All of which is in clear violation of the FCRA and Federal Law.
Product: Debt collection

To whom this may concern : I XXXX XXXX checked my credit report and notice a debt.. that I never seen nor heard about! I never received a letter or a phone call about this debt and I would like for this debt to be removed.. because I never verify this debt! I dont think its fair to mess up someone credit, because you can! Im seriously upset about this. Because I never got a chances to verify the debt and my score dropped over XXXX points.. It will be nice if someone could remove this and send me a letter and give me a chances to verify the debt!! Ive leave in the same place for 5 years with the same number.. and no letter from this debt company! Please remove please and thank you!