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

RE XXXX XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 




PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 



PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Explanation : I would like to be provided proof I consented to this inquiry via FCRA XXXX XXXX and XXXX as well as the accuracy of this inquiry via FCRA XXXX XXXX. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately. 

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.
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from the Senior Vice President of Regions Bank FDIC, stating that on XX/XX/XXXX Regions Bank recently discovered that I XXXX XXXX XXXX was charged one or more Paid Overdraft item or Return item fee due to an Operational Error in processing certain merchant Check Card transactions made. He further stated it is possible that Assessing the Original fee may have reduced the Available Balance in my account due to one or more overdraft item or returned item fee, See Exhibit-A. This was Multiple Illegal Overdraft Fees carried out against me, with written Documentation from the Senior Vice President, XXXX XXXX XXXX.
Product: Student loan

You respond on XX/XX/XXXX that We did not receive a forbearance request from you to postpone payments due after XX/XX/XXXX. Please then explain the long laundry list of correspondence below regarding the XX/XX/XXXXforbearance request requesting a forbearance for one year. Please check your records again and correctly apply the XX/XX/XXXX forbearance as requested. If you find you have misplaced the forbearance request, as well as the long train of correspondence noted below regarding same, let me know what you need and I will forward said paperwork yet again. On a related note, I find it interesting that you claim you can not forward copies of my deferment and forbearance applications as requested for proprietary reasons could that be, perhaps, because you have lost track of them? In addition to letting me know what paperwork you need me to resend, please explain in more detail why you can not send this proprietary information and why it is proprietary. Once you have applied the XX/XX/XXXX forbearance as requested I will be focusing on all of the other requests and questions you have not answered over the last four years.

XX/XX/XXXX : fax with receipt to nelnet : forbearance request to XXXX dated XX/XX/XXXX x 5 pages. 
XX/XX/XXXX : fax with receipt to nelnet : first follow-up to XXXX - requests apply XXXX forbearance request. 
XXXX : faxes with receipts to nelnet : second follow-up x 2 to both XXXX and XXXX request applyXX/XX/XXXX forbearance request. 
XX/XX/XXXX : email from nelnet : acknowledges request and promises a response. 
XX/XX/XXXX : ltr from nelnet : congratulates me and notes my forbearance request has been approved.

XX/XX/XXXX : faxes with receipts to nelnet : to both XXXX and XXXX in response to XX/XX/XXXX acknowledgement and application of the XX/XX/XXXX forbearance - request nelnet correct application of same. 
XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance. XX/XX/XXXX : email from nelnet : acknowledges request and promises response.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance. 
XX/XX/XXXX : emails x 2 to nelnet : request correct application of XX/XX/XXXX forbearance request. 
XX/XX/XXXX : emails x 2 from nelnet : acknowledges requests and promises response.

XX/XX/XXXX and XX/XX/XXXX : cfpb complaints re nelnet : request correct application of XX/XX/XXXX forbearance request. Forbearance request correspondence dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX attached to complaints.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance request.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance request. 
XX/XX/XXXX : cfpb complaints x 2 re nelnet : request correct application of XX/XX/XXXX forbearance request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to put a freeze on my credit with XXXX and XXXX very easily with a phone call. After 2 days and multiple attempts by phone and website I am still unable to put a freeze on Equifax because after accepting all the information both ways tell me they can not process the information right now, even though they are the reason why any of the freezes are necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX on my credit report has inaccurate late payments.
Product: Credit reporting or other personal consumer reports

I have attached all relevant documentation again for your reference : XXXX XXXX Under the FCRA ( 15 U.S.C. 1681i ), you are required to : Investigate the Dispute Thoroughly : This includes contacting the furnisher of the information and reviewing the evidence I have provided. 
Correct or Remove Inaccurate Information Promptly. 
Failure to comply with these requirements constitutes a violation of federal law. I request immediate resolution of this matter and written confirmation of the corrections within 15 days of receipt of this letter. 

If the inaccuracy is not resolved, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating legal action to seek damages as allowed under the FCRA. 

I trust you will handle this matter with the urgency it deserves. If you require further information,
Product: Checking or savings account

US Bank opened an account with ReliaCard Debit without my direct consent. This is, I was told, on request by my state ( OH ) agency to reimburse an insurance payment. I called and received no answer how they could open a bank account for me without my consent and knowledge, especially when I do not have prior or existing busuness with them, neither am willing to have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information. Please see attachments. Failure to comply will result in a private right of action. The accounts related to the attachments are : XXXXXXXX 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

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2020 XXXX XXXX IN Date of Inquiry XX/XX/2020 EMS/VETERANS UNITED HO Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 VETERANS UNI Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 any item 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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: Credit card or prepaid card

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX XXXX XXXXXXXX / {$1400.00}
Product: Bank account or service

I use XXXX for my financies. I track when I know my deposits will arrive and schedule bills according. 
If I know I will have funds on the XXXX I will schedule a bill/draft for the XXXX or XXXX. BB & T is drawing the funds XXXX to 5 days prior to the actual with draft/payment. This causes an overdraft because the depost will not arrive until the XXXX. This seems unfair to charge me an overdraft when an overdraft would not have happen if they did not cause it. 
If they are going to allow overdrafts then whats the point of pulling the funds early? 
I feel this should be illegal to charge me an overdraft when one technically did not occur.
Product: Mortgage

One and a half years ago, I refinanced my primary residence with Quicken Loans, Inc. Since that time, I have heard a number of advertisements on the radio that Quicken " will refinance and eliminate PMI at little or no cost ''. In addition, I have also received a letter from Quicken 's President, XXXX XXXX advising that " when I closed my loan with Quicken ( 1 and 1/2 years ago ), I became eligible for a RATE DROP ADVANTAGE program at today 's low rates ''. 
However, since I began the refinance process two months ago, the various personnel at Quicken have been evasive and unresponsive : 1- I have already dealt with XXXX different representatives by supplying requested numerous documents and service requests costing over {$1300.00} so far ; 2- they refuse to discuss the letter granting a rate reduction ( maybe that will happen in another 2 years so that I will have to refinance again ) ; everytime I provide a document that has cost me, they come up with another that is " required '' ; and, we never get to the end of the process -- meanwhile, along with the monthly mortgage payment, I am still paying the PMI ; 3- their representative, XXXX XXXX, recommended a VA loan as the " way to go '' -- is this any way to treat a veteran?
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XX/XX/XXXX for less than 12 months XXXX XXXX to XX/XX/XXXX, to get Masters at the satellite location at XXXX XXXX XXXX. I attended XXXX XXXX for a couple of years. Either way, per the financial office XXXX XXXX XX/XX/XXXX, Treasury Department, on XXXX XXXX, XXXX, at XXXX XX/XX/XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. ECMC has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX XXXX for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX XXXX, nor XXXX XX/XX/XXXX. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with the account listed under convergent outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on not believe the account belongs to me nor do I believe that the creditor has the authorization to access the account and attempt to attempt to collect on the account the account continues to negatively affect me, Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the accounts on my Equifax report I have no knowledge about nor was created with my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Experian/XXXX and XXXXThese 3-credit bureaus are reporting fraudulent inaccurate information on my credit report. They also have old addresses and wrong names on my report. This has affected me adversely it's not until I pulled my report recently when I discovered that the information on my report was inaccurate : Wrong names Wrong address Wrongs husband 's names Debts that I was not aware of.
Product: Credit card

Citibank advertised XXXX bonus points for spending {$4000.00} within 90 days. 
Was Approved for Citi Strata Premier Card on XX/XX/XXXX. 
Met the {$4000.00} spending minimum on XX/XX/XXXX Statement on XX/XX/XXXX does not reflect bonus awarded. 
Called citibank XX/XX/XXXX they claim they do not see that my account was awarded with the XXXX bonus point offer despite the offer being listed on the Citi website during signup. 

No documentation or communication was given to me during the signup that bonus offer would not be applicable. This is very frustrating bait and switch. Citibank also charged me annual fee for card. I would not have signed up for this credit card if I was not going to be qualified for Bonus offer.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. 
I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( XXXX ) on credit file ( unauthorized ), I disputed with company and all 3 bureaus. Was not resolved. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXX XXXX  Inquiry ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXX XXXX XXXX  Inquiry ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved.
Product: Credit card or prepaid card

in XX/XX/2019 there was a fraudulent charge made to " XXXX XXXX XXXX '' for {$110.00} from my BlueBird American Express prepaid card..I checked with the XXXX XXXX XXXX  and `` XXXX XXXX XXXX '' doesnt exist and no lic reported..I filed a fraud complaint with my card carrier and they declined my case. I don't believe they did any investigation due to the information I got from the XXXX ... I want my XXXX thank you
Product: Debt collection

Request copy of 1099C for charged off vehicle and copy of contact and payment. If this was charged off as it states on my credit report then I should have received a copy of the 1099C. And if it is written off why is it still on my credit as owed balance. I need the 10999C to inform the IRS and other legal means.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and unverifiable information reported on my credit file by [ Insert Name of Credit Reporting Agency or Furnisher ]. Despite my efforts to dispute these inaccuracies, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Failure to Ensure Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of consumer reports. However, several items in my credit report are inaccurate and do not meet this standard. 

Failure to Investigate Disputed Information : As outlined in 15 U.S.C. 1681i ( a ) ( 5 ), the credit reporting agency has not properly investigated the items I disputed. If information can not be verified or is found to be inaccurate, it must be promptly corrected or removed, which has not occurred. 

Violation of Furnisher Obligations : Under 15 U.S.C. 623 ( b ) ( 1 ), furnishers are required to investigate disputes and validate the accuracy of the information they provide. The furnisher has either failed to validate or did not respond adequately, yet the disputed information remains on my report. 

Additionally, I am a victim of XXXX XXXX and identity theft, which has contributed to these inaccuracies. The persistence of this information on my credit file is causing significant harm to my financial standing and well-being. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take action to enforce compliance with federal laws. I also seek the immediate removal of the inaccurate and unverifiable items listed in my disputes. 

The following account is not mine : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  )
Product: Credit card

Hello, Would you be able to assist with the American Express funds miscalculation and mismanagement?

I had to close 6 business accounts with Amex because my account had funds mismanagement.

Prior to this, I spoke with 6 representatives and 3 supervisors, and the issue never was resolved.

My credit business card had a refund/credit in the total amount of {$3200.00}.

The funds were collected by Amex and partially misused. I did not receive the full amount of credit.

Instead, they explained that the money was applied to prior purchases. Instead of the above credit amount, I received only {$2100.00} with the change.

My records indicate that I did not have any transactions at that time and they were previously paid off.

I understood that Amex can not manage the funds. The transactions they mentioned were never posted to my account.

I closed all the accounts with Amex to avoid all future issues, and the bank was supposed to refund me the credits from my credit account.

When I checked my bank account to make sure that it was closed, I found that Amex put on me a debt after the card was closed, and no transactions occurred. Basically, the refund amount turned into debt in the system, changing the sign minus to plus. 

It appears that Amex misusing people 's money. The funds get miscalculated and applied to transactions never made.