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

XX/XX/XXXX to XX/XX/XXXX I started training and was XXXX XXXX in the military. I have reached out to EDfinaical, and no communication. This needs to be removed from my credit report, and updated as current, because I was an XXXX XXXX service member, and was unable to make payments during this time, and then received orders to XXXX. This is affecting my daily life, and it also is violating my consumer rights. Inaccurate information needs to be removed and brought to current. 

The accounts below are sowing that I was 90+ days late on a payment. 
XXXX {$4500.00} XXXX {$3500.00} XXXX {$2000.00} XXXX {$1700.00} XXXX {$1000.00} XXXX {$740.00}
Product: Credit card

Hello I'am Reporting Stolen XXXX XXXX XXXX XXXX XXXX  I Mail XXXX XXXX Via Registered Mail & They Received Payment/Securities On XXXX XXXX Here Is The Proof Registered Mail Number XXXX. I Also Sent A Detalied Instruction Letter Along With These Stolen Securities Stating That If This Was Not The Correct Address Or Way It Should Have Been Done To Mail The Securities Back To Me Via The Same Address It Was Sent From. It Has Been 11 Days Nothing Has Been Credited To My Account Every Time I Call They Say A Different Department Handles That. So At This Point This Company Has Cashed In My Securities For Payment A Didn't Credit My Account. It Was Mailed Out XX/XX/year> They Got It On XX/XX/year> If I Was Doin Anything Incorrect Or Not Valid The Federal United States XXXX XXXX Wouldn't Have Allowed Me To Send The Securities That They Seen An Also Round House The Stamps On It. 

The FTC Has Been Notified As Well.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed these inaccurate accounts below and XXXX  to be specific keep sending me and my wife computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. 

Accounts Being Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I still do not understand about the floating {$800.00} that my attorney office sent carrington llc to pay for payment i did not miss.that {$800.00} should of have been sent back to me, me and my representative went over my payment, i begain in 2019 XXXX until XX/XX/2019 and we found no missing payment. 
please refund my money. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX telephone:XXXX fax:XXXX loan:XXXX
Product: Credit card

Amex ( American Express ) and XXXX terminated their relationship. Amex sent out confusing information about the termination because Amex failed to differentiate " rewards '' ( which would be transferred ) and " membership rewards '' ( which can not be transferred. ). Amex unilaterally terminated the program and stole thousands of membership reward points from its credit card holders. Amex could have done any of the following 1. Continue the credit card and points without XXXX. 
2. Continue the membership reward points. 
3. Converted them to a debit card 4. Sent a check. 
They chose to defraud its card holders by arbitrarily cancelling the membership reward points after XXXX XXXX, 2016. I spoke to XXXX in XXXX ID # XXXX and her boss XXXX refused to talk to me.
Product: Student loan

I sent my application for an update on my PSLF application which was sent in XX/XX/XXXX. I have contacted them 3 times since then and they keep saying they are still investigating whether or not my employer qualifies. My employer is the Fed Government. It was when I initially applied in XXXX and was approved. I have done my research and my employer, The Internal Revenue Service, absolutely qualifies per any of the recent rules. So this reason is not legitimate. I have filed a complaint with them and still have not gotten an acknowledgement of the issue or even of my complaint. 

I want to take legal action. I know that my servicer got in trouble recently for wrongly denying XXXX and had to reverse their actions. Now, it seems their strategy is to just keep customers waiting indefinitely which is the same the as denying. 

Thank you.
Product: Debt collection

I am a victim of identity theft. There is a false address on my credit report that I have never lived in. Someone has also got a loan in my name through Cedar Business Services. I filed a police report. I tried to dispute through XXXX, but Cedar Business falsely verified my information leading me to believe someone has my Identity information as I have lost my wallet in the past with Identification pictures, and social security card. I am faithful in paying my bills on time, and this false loan taken in my name has deeply strained as I can't make any moves until its taken care of.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED. XXXX HAS A BREACH I WAS AFFECTED BY AS WELL AS XXXX AND EXPERIAN. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my XXXX  report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX Financial XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Morning of Thursday, XX/XX/2024 I entered web domain XXXX, entered family surname credentials access number, and entered the web portal containing profile information for checking account to notice a name error attached to family surname that is incorrect.I am writing to correct name error attached to family name on checking account. The initials displayed are incorrect! The intials displayed are XXXX. where as my family gave me intials XXXX for banking credit purposes, such as acquiring a fire-arm and the full name is hidden which would be a denial of a fire-arm. I own a XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is attached to propper initials as a XXXX XXXX XXXX This complaint is for a more clear solution to an issue addressed without a response as of this morning.
Product: Debt collection

Diversified recovery Called my ex husbands wife  and left a message for my ex husband to call back. When he did they told him there was an issue with my social Security card and number. When a call back was made requesting they not call them the representative ( which was a woman who didnt give her name ) began asking questions about if he was the father of my child and asking question about our child ( who happens to be a minor ) It is illegal to call random people you think I may know lying and asking for my Social Security number
Product: Student loan

I have made several attempts to communicate with Sallie Mae during my deferment period in XXXX - XXXX. They transferred me from location to location with no results. I entered a repayment plan in which payments were auto-deducted from my account starting XX/XX/XXXX. The payment was attempted in XX/XX/XXXX which was made over the phone before the withdrawal date. They withdrew my auto payments and stated no arrangements were ever made. When asked how was an XXXX  PAYMENT MADE if this was not the case? The representative transferred me to another number with me on hold for over an hour and a half. I called the next business day and the cycle started all over again. They reported my account as late over 30 days to credit file with XXXX, XXXX an XXXX. I have been unsuccessful with resolve to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX*Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$790.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX Balance : {$27.00} XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXX XXXX  account no. XXXX ...... 

XXXX XXXX XXXX account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately
Product: Payday loan, title loan, or personal loan

I Borrowed {$800.00} right before XXXX of 2020. I have paid back at least {$1500.00} they are taking another XXXX out in {$50.00} Increments, which is causing me to have multiple over drafts. I called then last month a they said I only owed arownd XXXX they won't stop stealing my money. I know I made a bad decision going to them, but this is theft at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.
Product: Credit reporting or other personal consumer reports

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. The inquiry was not authorized XXXX - XXXX Account Number : Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX XXXX  Account Number : Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account XXXX XXXX ( a ) ( 1 ) ( a ) XXXX is reporting duplicate account entries. 1575 1681s2. Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit card or prepaid card

XX/XX/XXXX : call XXXX to make payment/ the automatic service gives you an amount and past due date. We consumers PAY what we hear. Then next month a bill with past due fees! On XX/XX/XXXX I called to pay bill. Again give me an amount with past due date so 1/ manager XXXX is telling me that she is not able to give REAL amount due with interest at this time and the amount due is the one given by automated service.therefore I will be billed a late fee plus interest.not able to give me real amount to end those late fee and interest. 
2/ the XXXX store will not accept an amount more then what we hear over the automated service.therefore the cycle repeats and late fees and interest next bill I am making a complaint about undisclosed real amount due and taking advantage of consumers with these above procedures
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account previously listed on my credit report by Equifax, XXXX, and XXXX. Specifically, I disputed a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX secondary credit report. After completing their investigation on XX/XX/year>, XXXX fully deleted the account from my report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the verification of disputed information, XXXX deletion of this account indicates that the information could not be verified. As such, this unverifiable account must also be removed from my credit report with your agency to ensure compliance with the FCRA. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy in consumer reports. If XXXX, a recognized consumer reporting agency, has deleted this account due to its unverifiability, it stands to reason that your agency must take similar action to ensure compliance with federal law. 

If this account is not removed within 30 days, I reserve the right to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA. These provisions allow for statutory damages, attorneys fees, and costs in cases of noncompliance. 

Please consider this letter a formal dispute and request for deletion of the unverifiable account. I expect the removal of this account within 30 days or less to avoid further escalation. Attached to this letter, you will find supporting documentation, including proof of XXXX deletion of the account, for your reference. 

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide written confirmation once the account has been removed. Should you require further information, do not hesitate to contact me at the above-listed email or phone number.
Product: Checking or savings account

Venmo disconnected my bank account with no notice or explanation. Robotic and automated answers have been sent to me in reply to several emails I sent. I can not add my bank account or a debit card using the Venmo website or the app. Venmo holds over XXXX dollars in my Venmo account and is unwilling to solve their technical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I called to the bank, they didn't provide any information. They couldn't find anything on my name.
Product: Bank account or service

My check was denied at a merchant in XXXX, VA due to a financial monitoring company, " Cross Check, Inc ''. When the merchant checked with the service, they said my check number had already been used. The merchant knew me and let me pay with the check. 

I called the Cross Check number and the only option an automated system gave me was to file a complaint online, by mail or by automated phone line. 

My bank account showed the last check issued and it was not the check number being used and the bank balance was fully funded. This was an unnecessary embarrassing situation due to bad information by Cross Check XXXX Inc, and they gave me no option to find out what caused their system to deny my check other than file a complaint.