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

My identity was stolen in XX/XX/XXXX. The identity thief opened many credit cards in my name including a Victorias Secret credit card ( as well as an XXXX XXXX XXXX XXXX credit card ) through Comenity Bank. On XX/XX/XXXX I called Comenity Bank and reported the fraud as well as reporting it to all credit bureaus and the police. I put a fraud alert with each credit bureau. Comenity Bank told me they would start an investigation. Comenity Bank informed me on XX/XX/XXXX via letter that they found the Victorias Secret credit card account to be valid but the others were fraud. I called again and disputed the Victorias Secret credit card as fraud immediately on XX/XX/XXXX at XXXX with 'XX/XX/XXXX ' who said they would send it for re-investigation. Comenity Bank sent me a letter dated XX/XX/XXXX saying that they would not re-investigate a duplicate dispute. I disputed the Victorias Secret credit card account with each credit bureau on XX/XX/XXXX. XXXX  came back and said that Comenity Bank " verified that this account belongs to me ''. It does not. I called Comentiy Bank again and disputed again. I received a letter dated XX/XX/XXXX from Comenity Bank stating that they " have concluded you are not responsible for the account '' and that they would remove it from the credit bureaus. I thought it would be over at this point but the Victorias Secret Credit Card is still being reported as valid to XXXX. I called Comenity Bank again in XXXX of XXXX to report that the Victorias Secret credit card was still showing up on XXXX  and that I noticed that Comenity Bank had reported hard inquiry pulls from the identity thief applying for more fraudulent credit cards with them ( I had an active fraud alert at this time ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX  ( Comenity Bank ) XX/XX/XXXX - XXXX  XXXX  ( Comenity Bank ) XX/XX/XXXX - Wayfair Credit Card ( Comenity Bank ) I called Comenity again and asked to have the Victorias Secret credit card and the hard inquiries removed from my credit report was told to " Just dispute it with the credit bureau you can dispute anything ''. The problem is when I dispute it with the credit bureaus Comenity Bank tells the credit bureaus that it's valid. In XX/XX/XXXX I disputed all of the above through XXXX  again, and the conclusion from Comenity Bank was " These Inquiries are a factual record of file access. '' which they are clearly not. I called Comenity Bank one more time in XXXX of XXXX and told them they are still reporting the Victorias Secret Credit Card to XXXX  and they sent me another letter dated XX/XX/XXXX that " I am not responsible for the account '' and they would move this account from my credit report. As of XX/XX/XXXX it is still there as well as the hard inquiries made by the identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a my Dispute letter dated XX/XX/2020 to all 3 Credit Bureaus! 

Transunion, XXXX  & XXXX  ( Please see attached Documents ) I received my XXXX Credit File : XX/XX/2020 Confirmation # XXXX - The Results of Our Reinvestigation stated that XXXX XXXX XXXX, Account # XXXX The results are : this item has been deleted from the credit file. 

( Please see attached Documents ) However, this account is still showing on the other 2 Credit Bureaus XXXX  & TRANSUNION!
Product: Credit reporting or other personal consumer reports

DEAR EQUIFAX I GOT UP ON TUESDAY AND PULLED MY CREDIT REPORT I THEN REALIZED IM A VICTIM OF FRAUD IDENTITY THEFT/A CRIME PLEASE HELP ME TO REMOVE AND DELETE THESE FRAUDULENT ACCOUNTS LISTED ON MY XXXX CREDIT REPORT.XXXX  XXXX XXXX XXXX IS A FRAUD CREDIT CARD OPENED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, A COLLECTION XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX HELP ME TO REMOVE THESE FRAUDULENT ACCOUNTS
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Formal Demand for Resolution of Inaccurate Reporting and Compensation for Violations Dear TransUnion, I am writing to express my serious dissatisfaction with your inadequate response to the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) . Your response, stating that you could not identify me, is both absurd and unacceptable. I provided clear, indisputable identification, including copies of my **passport**, **Social Security card**, and a **copy of my credit report**, outlining the numerous inaccuracies in your reporting. 

Your failure to address my dispute properly, despite having all necessary documentation, is a blatant violation of the Fair Credit Reporting Act ( FCRA ). As a result, I am demanding compensation of ** {$1000.00} for each violation** of my rights under the FCRA XXXX which you have committed by continuously reporting inaccurate information. Given the gravity of these errors and your failure to correct them in a timely manner, I am now demanding you pay me **double the original amount**, for a total of ** {$2000.00} per violation**. 

If this matter is not resolved promptly and to my satisfaction, I am fully prepared to take legal action to enforce my rights. I will not hesitate to file suit in federal court to seek full damages, as well as additional legal costs, if you continue to ignore my complaint. 

This letter serves as a final opportunity for you to correct your violations and compensate me appropriately. Failure to comply will leave me with no choice but to pursue legal remedies to the fullest extent of the law. 

I expect a response within **10 days** of receipt of this letter. 

Sincerely, XXXX XXXX XXXX Not asking you to verify or use XXXX XXXX or AI use a real person to review all the information and the report and the PDF I enclosed that show my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( XXXX, XXXX, TransUnion ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with XXXX, XXXX, TransUnion. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX  Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm showing inquiries on my report that I did not authorize & I have disputed with Equifax who refuses to remove .I have expain to Equifax that I was a victim of fraud.Equifax should understand as they are battling this issues as of today.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following items deleted Equifax Mortgage dated 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

I was approved to receive financial assistance thru the HAF program homeowners assistance. PHH mortgage has refused to accept payments issued beginning in XXXX. I was NEVER advised that no mortgage payments were issued. As of XXXX PHH received a check from the state and refused it and did not accept it and and turn back. They nEVER informed me sent any correspondence and payments Bot recieved. I was not made aware until I received notification from credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *On TranUnion : XXXX XXXX XX/XX/2019, XXXX XX/XX/2019. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely XXXX XXXX
Product: Credit reporting

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

On XXXX XXXX I submitted a Loan consolidation app to XXXX, the confirmed they received it and so did Advantage on XX/XX/XXXX. Between XXXX XXXX XXXX shows on my Financial Activity Document that 10 loans totaling around {$100000.00} were consolidated and removed from XXXX. 

On the Federal Student aid site it reflects this consolidation and removal of Loans from XXXX. My current loan balance is about {$12000.00}, which are 2 consolidation loans I have at XXXX. 

I have consistently been calling AidVantage to ask the status on my loans and they told me repeatedly until XXXX that the process was still going and delayed because of the the waiver deadline. In XXXX, 6 months after my initial Consolidation app and with zero notice from AidVantage I called and inquired about my delayed outcome. AidVantage told me that they denied my consolidation application in XXXX. 

XXXX says they don't have the missing {$100000.00}, AidVantage says that they didn't consolidate my loans, Federal Student Aid said they can't tell me where the missing loan balance resides. AidVantage is the only servicer handling consolidation loans for XXXX, so i do not understand where else my loans could have been sent. 

I have checked my credit report and I do not have any loans showing up anywhere other than XXXX. I am pursuing Public Student Loan Forgiveness and need these loans to show up so that I can get credit for them.
Product: Mortgage

I have complained once to the CFPB..    Seterus  continues to not apply any credits to my account so that I can see what is left. I am told I have a {$160.00} credit left after payoff. I am trying to get this resolved by  XXXX . I want to make sure this is done before my property tax/homeowner ins is submitted. My family purchased this house in  1961 . This is the most important treasure I have left from my Mother/Father except my son. I need to them to STOP sending me different payoff letters. They have more than enough to pay my last mortgage payment. They continue to let my suspense credit just sit in limbo and not apply to my balance. I have attached all the documentation that was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. The accounts are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts recently on  XXXX   XXXX   2017 , the student loan was transferred and its being paid with   XXXX   and it appears in my credit  XXXX  with a default loan which hurts my credit.
Product: Debt collection

In XXXX of 2022 I received notification from Convergent XXXX claiming I owed XXXX XXXX {$100.00} for an account that was opened XX/XX//2022 ; I told them I have never had an account, they advised me there was no service, just an activation fee, i told them never applied nor received a phone from them, I have been with XXXX for 7 years and have never had any interest in transferring my service. They said they would notify them, XXXX then reported it to my credit without knowledge of the debt, I wrote them and XXXX and they provided me nothing but a letter asking me to call then at XXXX when I call they wont help me but tell me to call XXXX instead, I called them and they said its under fraud. It is still on my credit report and they will not provide me details. I HAVE NEVER had SERVICE with XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair act reporting ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Beneficial State Bank said they had no knowledge of an account in my name that was delinquent. I asked him to please let the Credit bills know and they said that thats not their responsibility to do that. I spoke to the credit card companies and they still havent rectified the situation the address of the company XXXX XXXX XXXX, XXXX XXXX XXXX, UT, ZIP Code is XXXX. Please remove the following account from all credit barrels. Thank you.
Product: Debt collection

A new collection account just appeared on my credit report on XX/XX/2019. COMMONWEALTH FINANCIAL SYSTEMS information is inaccurate. I did not visit the emergency room on the date provided ( XX/XX/2019 ) on the account and I have a health insurance. COMMONWEALTH FINANCIAL SYSTEMS is reporting the account as new/open and it is causing a lot of damage to my credit profile. No account number was provided for the collection.
Product: Credit card

XXXX was previously filed this month. I am writing to file a formal complaint against Capital One regarding egregious misconduct and mishandling of my credit card accounts. This complaint serves as an update to the case number referenced above, which was filed earlier this month. 
On XX/XX/2023, Capital One 's fraud unit acknowledged fraudulent activity on XXXX of my XXXX accounts and accepted responsibility for the occurrence of the fraud. However, I was unjustly accused of " XXXX XXXX XXXX '' without any explanation or evidence provided by Capital One to support this accusation. When I sought clarification on what " XXXX XXXX XXXX  '' entailed and how I supposedly engaged in it, Capital One refused to disclose their rationale behind this determination. 
Furthermore, when I contacted Capital One on XX/XX/2023, to report the fraud, they initially denied any record of my complaint. Only after I provided evidence of the call through my phone records did the fraud specialist acknowledge the call. Similarly, in XXXX, when I requested to deactivate my credit cards due to theft of my wallet and phone, Capital One first denied the existence of this call, then admitted to it but claimed that I only requested to deactivate XXXX card and not all automatic payments. Subsequently, when confronted with evidence of the call, the specialist provided inconsistent and contradictory explanations, displaying a lack of transparency and accountability. 
Capital One 's failure to address the fraudulent charges on my accounts and their mishandling of my requests in XXXX resulted in my cards exceeding the credit limit and incurring over XXXX returned payments. This not only impacted my credit score but also subjected me to additional financial burden and stress. 
Moreover, by repeatedly exceeding the credit limit and breaching the terms of the card agreement, Capital One has demonstrated a blatant disregard for consumer rights and financial responsibility. Such behavior is unacceptable and warrants immediate investigation and action by the Consumer Financial Protection Bureau. 
I urge you to thoroughly investigate the fraudulent activity and mishandling of my accounts by Capital One and take appropriate measures to hold them accountable for their actions. I also request prompt resolution and restitution for the damages incurred due to their negligence and misconduct.
Product: Credit reporting or other personal consumer reports

This will be my third time writing to XXXX XXXX Equifax to investigate and provide proof that the bankruptcy listed on my credit report came directly from the United States Court House and not a third party. I received a response that the bankruptcy was verified with the United States Bankruptcy Court. However, XXXX or Equifax did not provide me with proof. I reached out to the courthouse to confirm their information release policy. The court advised me of the following The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Per the Fair Credit Reporting Act 15 U.S.C 1681, it is a violation of the FCRA to report inaccurate or unverifiable information on a credit report. XXXX took the liberty to properly investigate and delete these Bankruptcies from my credit report due to inaccuracy, however, it is evidence that XXXX XXXX Equifax did not and lied about investigating this bankruptcy with the courthouse. I demand the following Bankruptcies be immediately deleted from my credit report : *XXXX  XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX Please reply to me in writing or via email ( XXXX ) once this has been deleted. Also, it is to my understanding that I am entitled to a free credit report once any information is investigated and deleted. Please send an updated report to the mailing address listed above. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent equifax a written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured immediately.
Product: Money transfer, virtual currency, or money service

I paid my neighbor {$18.00} through Venmo for eggs on XX/XX/23. They received {$17.00}. 
When making the payment I clicked a toggle button I thought was to turn on paying for the eggs with my Venmo balance based on the " Turn on for purchases '' below the payment method with a toggle switch next to it. 
The toggle button was in fact to turn on purchase protection. 
I contacted Venmo with my concerns that this toggle button 's placement was misleading to customers and likely resulted in people paying a fee when they were not aware that they were doing so. 
Venmo credited my neighbor for the deduction but stood by it's assertion that the button was clear and not misleading. I reiterated my position three times requesting they address the issue as I felt it was misleading. They replied that it was not and was clearly labeled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a mortgage with my credit Union. XXXXXXXX XXXX paid of the previous lender XXXX XXXXXXXX XXXX. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with XXXX it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with XXXX and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called XXXX several times trying to get my credit report updated showing I only have one mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call experian they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.