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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Hope all is well. Just wanted to relay a message. I received a message that I am past due. Due to my XXXX XXXX I have not been accomodated properly by XXXX XXXX XXXX. 

I am an honorable XXXX military veteran that served my country. I have all the proof that i've made payment consecutively. I am asking that you cease with these false allegations under the Fair Reporting Credit Act.

I haven't been late for 30 consecutive days.XXXX XXXX XXXX hasn't sent me any correspondence saying i'm 30 days past due or anything saying Im past due or late. 
Ive been homeless, experiencing financial hardship and the death of a spouse. 

As a a honorable service member I am asking that you respectfully cease with these false reports this is unethical and unconstitutional as a XXXX military veteran and citizen of the United States of AmericaXXXX. 



XXXX XXXX XXXX XXXX Military Veteran XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attempted several times over the last 7 years to have the account listed as " XXXX XXXX XXXX " removed from my credit report as it was opened under fraudulent activities however Experian is still reporting it on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX  XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX {$720.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb reinvestigation complaint In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection Account XXXX XXXX XXXX ( XXXX XXXX XXXX ) I am filing a complaint regarding an inaccurate collection account reported for XXXX XXXX XXXX, originally from XXXX XXXX XXXX, with a balance of {$1500.00}. This account is unverifiable, and I request its immediate removal from my credit report. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and complete information. If this collection is unverifiable, it must be deleted. Equifax failed to provide a Method of Verification ( MOV ) for this entry.

Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request full validation of the debt, including proof of the original agreement and account statements. If XXXX XXXX XXXX can not provide these, this collection must be removed. 

XXXX  Law : As a XXXX  resident, I am protected under XXXX Statutes ( XXXX XXXX. XXXX ), which prohibits the reporting of unverifiable information. This collection must be deleted if it can not be validated.

CARES Act : This account was reported during the XXXX pandemic. If I requested accommodations under the CARES Act, XXXX XXXX XXXX was required to report the account as current, not as a collection. I demand proof of CARES Act compliance. 

Resolution : I request the immediate removal of this XXXX XXXX XXXX ( XXXX XXXX XXXX ) collection account from my credit report. If Equifax can not verify this account, it must be deleted immediately. If not resolved within 15 days, I will take further action through the FTC, CFPB, and XXXX  Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry from.XXXX on my TransUnion report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.TransUnion.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry
Product: Credit card or prepaid card

Frontier Airlines XXXX Sponsored Credit Card issuer Barclays assigned " MyFrontier XXXX '' for XXXX XXXX. Whereas Frontier Airlines assigned " MyFrontier Members No : XXXX '' for XXXX XXXX. 

Due to having different member numbers, XXXX XXXX has not been able to have reward miles points of 20257 ( or so ) transferred from the Credit Card to Frontier Airlines account for use to get reward miles tickets to fly. 

Repeated contact was made with Barclays, credit issuer and Frontier Airlines to have this simple matter corrected. They both pointed out to each and took NO corrective answers. Barclays gave the same " pre-formed '' response every times. 

XXXX XXXX ( cc : ending XXXX ) and XXXX XXXX ( cc : ending XXXX ) ( W/H ) are holders of the credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXXXXXX XXXX Balance : {$3200.00} ; XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # A XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested for my Credit report and file from XXXX, XXXX, and Experian, only received the report. I need my whole file.
Product: Student loan

In XXXX 2015, the student loan servicer lost my documentation to support a new payment plan. I have an email that was sent to them with the documentation, my social security number, and name which was what the associate said was needed to submit the documentation. In XXXX 2015, after 2 months, I was notified of the missing documention in XXXX 2015 the agent told me if I made a payment my loans would be current and my credit would n't be affected, so I made a payment. Now knowing better I checked five weeks later, my repayment plan had still not been processed, so I had to make another payment to keep my loans ( what I thought was ) current. The following month I checked again and my payment plan was in place, I set up auto pay and did n't think of it again until I applied for a mortgage and was surprised to find that in XXXX 2015 I was reported 120 days late on XXXX separate accounts seriously affecting my ability to secure a mortgage. I called the servicer to file a credit complaint and was told that it appeared a payment was processed incorrectly and that the department is not reachable by phone and this matter would take 7 to 10 days. When I called 7 days later I was told this was still in process and they would contact me for a resolution. When I called to check on the progress at 10 days I was told that I was misinformed and that these claims take a full 30 days. I was also told that there was nothing I could do to dispute the misinformation I was given. I asked to speak to a supervisor, who advised me that I could not contact the resolution department, that I could not move my loans to another servicer and that I would be forced to wait as this situation appeared to be due to my fault for not paying from XX/XX/XXXX to XX/XX/XXXX ( still not 120 days past due ). I asked to speak to a supervisor again and was told that I could not speak with anyone else and that he would submit my case as a teaching tool for other associates to assure the misinformation was corrected. I received an email that a complaint was submitted.
Product: Checking or savings account

Wells Fargo kept multiple deposits in pending for days, for no reason but according to my available balance they appeared to be then continued to send me overdraft notices. Called after the first one and tried to transfer funds within the same bank to cover their mistake but they assured me it was a glitch. Then my transfers within Wells Fargo were kept in pending too, which has never happened, and they sent another overdraft notice. This time the customer services reps were repeating the same things, that I already knew, over and over without helping me at all. When a bank starts to hold your money hostage for days and cant provide you with any comfort that it is safe and you arent going to be charged undeserved fees, that is when you no longer trust them with money. Ive been a customer for over a decade with no overdraft fees and this treatment is 100 % unacceptable.
Product: Credit reporting or other personal consumer reports

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent letters asking them to reinvestigate these accounts listed below XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXX XXXX  ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate Can you look into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

re : Credit Card # XXXX missing removal of XX/XX/XXXX Late Notice I have a partial Hurricane Irma success story to tell you about BofA President XXXX XXXX XXXX. XXXX published a promise to bofa Credit Card customers on XX/XX/XXXX : He promised to not charge LATE NOTICES for up to Three months for any affected consumers who were unable to pay their bills for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. ( attached Letter published on BofA website ) I am Consumer XXXX XXXX, and I was approved for Hurricane Irma disaster assistance on XX/XX/XXXX. I had my XX/XX/XXXX statement show a refund of {$970.00} and my XX/XX/XXXX statement show another refund totaling {$240.00}. I thank the BofA Disaster Relief Dept in Texas, who told me they approved it in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX and just this past week again. 

The problem is that I am a SnowBird, living in both XXXX and XXXX. I have property in XXXX and had to deal with the flooding and that is why I asked for this Hurricane Rehab approval. 

Please check on complaint # XXXX. BofA got all but the removal of the XX/XX/XXXX late notice corrected. And that is the only thing they forgot to address. 

IF YOU READ PRESIDENT XXXX   LETTER, BOFA PROMISED NOT TO FILE ANY LATE NOTICES WITH CRAs. They withdrew the XX/XX/XXXX late notice from XXXX, XXXX, XXXX, BUT, THEY DID NOT SEND ANY REMOVAL NOTICE TO XXXX NOR XXXX! Under FCRA rules, CRAs must not treat some CRAs differently than others, and I as a Hurricane Rehab consumer, please ask that all negative late notices be deleted since BofA did not respond to anyone uniformly. I have attached the XXXX report here for proof that nothing was reported negatively to XXXX, but, it is report late in XX/XX/XXXX to XXXX and XXXX ( attached ) I filed for notice of damages with FEMA regarding the Hurricane Irma Disaster. As such, I am entitled to be treated as a victim.
Product: Debt collection

Calls up to 11 times per day, but hangs up when I answer, or never leaves a message. I work swing shift, so they call either when I 'm asleep, or at work, where I can not answer their calls. Cease and desist letter sent a month ago.
Product: Credit card or prepaid card

I received my direct deposit as usual on the XXXX of XXXX. I made a external transfer from my prepaid to my real bank. I called them to see how long transfers take. They told me 2-4 business days. There website also states 2-4 business days. I called back in 2 days because it was still showing pending. They kept telling me they couldnt find my account. So I kept calling after being hung up on. I finally spoke with someone she told me 3-5 days. The same people kept answering the phones but changing there names to somebody elses. I waited the 4th day and called back an she told me it would arrive to me the next day. XXXX  came the XXXX and the XXXX and my transfer was showing still pending. Today is the XXXX its been a whole week since I made my transfer and its still showing pending. This bank is holding my funds for no apparent reason. I received a call from my family stating I need to be there right away because my grandfather is on XXXX XXXX  in the hospital, my phone got cut off, and me and my kids had to stay in a hotel because of this. We got kicked out. My vehicle got repossessed and this bank is putting me through hardship and distressed. I want my money.
Product: Debt collection

On XXXX I spoke with a representative at ext. 101 from National Credit Systems about settling the debt owed by a former apartment complex where I resided. The initial settlement offer was {$850.00} and I was waiting for approval so I could clear my debt. On XXXX, I received a call stating that the offer had been refused and I now have to pay {$1300.00}. Also, they would submit documentation stating to the credit bureaus to remove the negative item. As I went to accept the offer, I asked if they could provide a statement in writing. I explained to her that I did not feel comfortable paying {$1300.00} with no documentation. The rep refused. She exclaimed that they will never send any documentation and there is no reason to even go back and forth about it. Now I am stuck with this negative remark on my credit report and no way to dispute it.
Product: Debt collection

Paypal is attempting to collect a debt in the amount of {$3400.00} that does not belong to me. I have called a notified them of my dispute and that I have been a victim of identity theft. To date, I have been unsuccessful in getting this issue resolved.
Product: Credit card or prepaid card

I was approved for the XXXX XXXX credit card on XX/XX/XXXX. During that time period the largely advertised intro offer with this case was XXXX rapid rewards points. It was XXXX after XXXX spend. Then additional XXXX points after XXXX spend. Being such a great offer I applied for the card. I noticed shortly after on my chase account that it said my offer was XXXX points after {$500.00} spend. I believed this to be a glitch that would be corrected after awhile. Being now XX/XX/XXXX and never being corrected I contacted chase. They told me they were running 2 offers at the same time. ( One being much less valuable ) and that I must have used the channel for that offer instead. They refused to give me any additional compensation including matching the current offer or XXXX points. I believe this is a clear example of bait and switch. They advertise in big bold letters everywhere XXXX points. Then somehow sneak the XXXX Link in front of you. I am not the only one whos been impacted by this after checking XXXX, XXXX, and the southwest customer questions area, they have done this to numerous people. Then refuse to do anything about it. I canceled both my credit cards with chase and closed my checking account. I will also probably stop using Southwest Airlines which sucks for them because its not their fault Chase uses deceptive and immoral tactics. But unfortunately Ill probably get a new airline card so itll keep me from using them.
Product: Student loan

- XX/XX/year> : Covid student loan refund check was requested. Told to wait thirty days - balance increased back the same week with no refund of my money - called in 30 days and told to wait 90 days- waited 90 days and was told theyre waiting still for information - called three separate times after that with no detailed information of when my refund will come and his now been over six months
Product: Debt collection

I, a natural person was issued a false debt that was placed on my credit report. I contested this false accusation with JPMorgan Chase and they sent documents which I have uploaded alongside this complaint with false validations of said debt. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Enclosed I have attached a detailed letter of my ongoing experience with this event.
Product: Student loan

To XXXX : I made a request for a partial refund of my federal student loan to my loan servicer ( EdFinancial Services ) on XX/XX/2022. I later called Edfinancial services on XX/XX/2022, to inquire about the status of the refund. Unfortunately, Edfinancial Services could not provide a timeline of when my refund ( {$4100.00} ) will be processed or approved. The government strongly urges qualifying applicants to complete the XXXX XXXX loan XXXX XXXX application by XX/XX/XXXX. The company 's failure to provide a timeline prevents me from proceeding with the application which is needed for the forgiveness to be applied to the updated loan balance. 

Thank you.
Product: Bank account or service

In XX/XX/2008 my wife at the time withdrew XXXX dollars out of my IRA acct. XXXX individual times with forged signatures infill acct was closed.I did not give her permission. During this time the banker at the time witnessed to me that my wife at the time had her totally fooled. The bank was bb t XXXX branch on XXXX nc. Bankers name was XXXX. I am seeking retribution or someone to own up to the XXXX dollar mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX Reason : [ I WANT THIS ACCOUNT REMOVED PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]