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

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 , XXXX XXXX XXXXXX/XX/2023 , XXXX XXXXXX/XX/2023, XXXX XXXX XXXXXX/XX/2023 , XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of an account listed in my name with XXXX XXXX that is being reported to the three major credit bureaus. I requested a balance owed as well as proof of ownership through a signed contract or service agreement. XXXX XXXX  failed to provide a balance or a signed agreement as I received a letter from XXXX XXXX  dated XX/XX/2019 stating an account was opened online and signed electronically but yet failed to provide the requested validation per FCRA. XXXX XXXX continues to report this alleged account to credit reporting agencies despite my request for deletion due to failure to properly validate an account per FCRA regulations.
Product: Prepaid card

Someone stole my card and used funds without my knowledge or consent. I contacted the company and filed a dispute, but was told this would take 45-90 days to complete. There was no offer for provisional credit for use of my funds while this dispute be conducted.
Product: Mortgage

I often have problems paying my mortgage online with LoanCare LLC. First you login, it kicks you offline, repeatedly. Then once you  can successfully stay logged in, then the site starts to ask for a new password because its been over 28 days since your last password change. Then, you endure 10 minutes of the system booting you out again with the new password. Once you get in, you have no way to click on paying the bill. It just doesn't allow you. I took video of this..its comical. I would be happy to submit it. I called in, was informed it was a one hour wait, then the call disconnects after 20 minutes. If this was once off, nothing to see here. But this happens often. As a result of these malfunctions, they will hit me with a late fee. My payment was due the first of the month, I usually pay on the XXXX cause its around the due date of my other bills. After reading reviews on XXXX and XXXX XXXX XXXX, I am concerned about with whom we have our mortgage.
Product: Credit reporting or other personal consumer reports

I am writing you to inform you that this Birchwood Credit Service Inc on XX/XX/2024 is a authorize & unverified account on my credit report.
Product: Debt collection

this account was opened online by someone else I only had two account for this bank and I owed then money so how can I open and new account with owing them money someone stole my identity because im a victim of identity thief I had account before 2019 not in 2019  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwith this bank this account wasn not opened in person it was opened online and they lied and said it was opened in the branch and a manager told me someone did it online
Product: Student loan

I would like to exercise my rights through Dodd Frank and UDAAP " Unfair, Deceptive Acts, Abusive Acts and Practices. The practice caused injury to my financial future and health. The practice was deceptive it was misleading. It was abusive material interferes with the ability to understand a term or condition of a consumer financial product or service. Offered me a XXXX XXXX degree without XXXX classes, which caused additional high pricing without my XXXX degree. All other colleges offer XXXX classes with their XXXX degree 's. This is predatory lending.
Product: Checking or savings account

Include dates, amounts, and actions that were taken by you or the company. 

On the XXXX and XXXX and XXXX of XXXX unauthorized transactions was made from a scammer posing as a representative. They had a broadcast system called XXXX XXXX. He was able to use that broadcast stream to internally get a visual and control the transactions using the XXXX XXXX system. The phone number that the caller was utilizing on the XXXX of XXXX was ( XXXX ) XXXX. I in no regards had anything to do with these transactions nor feel as if it is okay for veterans to have to go through situations as such as making a report and then not being fully funded amongst these financial situations. USAA was informed on each day of each time transactions was done unauthorized. They noticed another transaction and refunded that one but gave a temporary credit fund and took it back placing my account into a bind. How can the investigation accept refunding one that was taken two days later but not validate the 2 large sums that was taken the day before in the start of the scam. I informed USAA and made claims so I had no choice but to make a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment Info : Self Employeed XXXX XXXX XXXX XXXX. This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.
Product: Money transfer, virtual currency, or money service

I used my online account from my bank, to, pay via online once, to Capital One for the following incident. 

The payment posted on my banking statement on XX/XX/XXXX. 

I called my bank to confirm the online payment and I called my credit card company ( Capital One ), 1st encounter ; verbal, digital proof of bank statement, my banking representative verbal confirmation. 

The phone representative from my credit card company ( Capital One ) called my bank via their methods over the phone and I authorized my bank via the 3 way call to allow Capital One information about the dispute was valid. My bank 's representative confirmed over the phone the {$100.00} being paid and visible on my banking statement. 

Via " Recent Documents '' on my credit card app, did I discover the the {$100.00} credit placed on my account for the payment made, was removed. Capital One stated I had not provided their required proof for their investigation procedures. 


2nd attempt ; verbal, digital proof this time SUBMITTED by my personal banking party. My banking party submitted to myself a letter, with official bank letter head, stating the " Trace Number '' and the " ACH '' transaction with all the details pertaining to proof that I did make a single one time payment of {$100.00}. That letter was uploaded to the requested site while on the phone with a " management '' person of Capital One whom directed my steps and review the provided information from my bank. The {$100.00} credit was reapplied to my credit account though when recently checking on XX/XX/XXXX at " Recent Documents '' for the Capital One app. I rediscovered the same issue that the documents and information provided was invalid for Capital One 's investigation policy which entails DEMANDING an EFT Report ( Electronic Fund Transfer ). 

3rd Attempt ; verbal, no documentation submitted. Confirmed biased investigation procedures that have adversely demonstrated credibility with Capital One 's integrity, and trust. Which does highlight their arrogance to valid documents, to trusted 3rd party verification, and hubris of incompetence as a quality support. 

After this 3rd attempt I called my bank and requested exactly what my Credit Card Company ( Capital One ), was requesting, an EFT Report, though my bank is stating I have to contact their " ACH '' department to see if getting a " EFT Report '' is even possible, because my banking party does NOT provide these EFT reports for one time payment... 

I will continue to call anyone, and my fear and mental anguish is brooding at the fact that I will have to continue to apply for this credit to be applied to my account in perpetuity because Capital One does not have any other way to validate facts that have been provided other than an EFT report. This will be a long and professional process that I am dedicated to resolve though no ill will or untrue facts will be present. 

My chain of evidence is clear and direct. I have made multiple timely responses within days of each event of information. 


Thank you to all whom read my complaint. Have a great day, From, Calm Person.
Product: Student loan

My student loan was in default status. In XXXX of 2016, I started the process of bringing the loan out of default, by submitting payments and filling out the default application by Vermont Student Loan Assistance. I began officially in the program in XXXX. Every month the invoice came in and I paid it. In XXXX I began getting phone calls and received one letter indicating that I had missed a payment. When I was able to get out of work early enough to return their phone call, I discovered they applied the payment I sent in for XXXX in XXXX because it was TOO early. Thereby making it look like I had not sent in a payment for XXXX. Because of a change in finances and having my banking information breeched, I was unable to make a payment in XXXX. When I was able to make contact and explain the situation thoroughly I was advised that due to non-payment, I was being place BACK in collection and that I had to start the entire process over. 

I have been working diligently to pull this student loan out of default status and I feel that despite my due diligence and doing my best to work within their perimeters, I am being punished for unforeseeable problems. I live paycheck to paycheck and have worked hard to make sure that for the last 10 months the payments were made either on time or early and am being punished for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 120 past due on the USDEPTOFED partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account has not been updated in well over ( 6 ) months. Please update this  account to report accurate information. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two credit disputes with Experian in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. Experian responded to my first request. The response letter was dated XX/XX/2020. Experian stated on page 1 the following, " The company that reported the information has certified to Experian that the information is accurate. Experian obtained through a third party vendor XXXX. '' I know for sure that Experian failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
Product: Checking or savings account

On XX/XX/XXXX I deposited a XXXX XXXX XXXX in to my account the account was placed on a 14 day hold on XX/XX/XXXX the funds were released in to my account however the bank would not release the funds to me the account remained frozen. I tried working with them by way of going in to the branch and via phone nothing was done at all. I tried to reach out to settlement company to see if they could issue me a replacement check and was advised that the funds were withdrawn from their account by the bank and the check shows cashed therefore they could not issue me a replacement check. Since XX/XX/XXXX I have been calling every XXXX days for assistance with this matter and all I have been getting is the run around. I need these funds to repair my roof. How can a bank just keep someone's money this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that then same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Checking or savings account

Hi my name is XXXX XXXX Im contacting you to regards of my closed Citibank account from 2022 when I filed my taxes that year they closed my account down before I received my taxes but the IRS still direct deposited my funds to that account and I still havent seen my money I reached out to them numerous times even contacted the IRS and they told me to contact the bank that it was direct deposited XXXX XXXX please help me get my money I really need it this isnt fair at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX/XXXX  ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX ACCOUNT # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card

I am having an issue with my XXXX card through SYNCHRONY bank. I tried to email them to have cell phone numbers ending in XXXX & XXXX REMOVED from my profile. They stated that this is all linked through my XXXX CREDIT BUREAU which is ridiculous as I have had these same issues in the past before and they fixed it. They always have an old phone number linked to my account and I used to not be able to get a confirmation text to confirm my identity and had to call them to actually add my real cell phone as the website does not allow you to. I used to change phone numbers once a year and it has always been a headache. Why these numbers are back I do not know as I have had my current cell phone for about 5 years now. Either way in order to update your information on the website or even view it. The system prompts you to confirm your identity via a text message to your cell phone and/or a voicemail. Upon having to do this, I noticed they have phone numbers that are no longer valid. I tried to email customer service who said I had to talk to someone so I called customer service and of course they never have any idea of their system glitches and told me to call XXXX. I am tired of the incompetence by these credit holders and I can not understand why they do not have any IT departments to solve these issues faster.
Product: Debt collection

I mailed in asking for a letter of verification and multiple times my mail was refused and returned.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I made a wire transfer on XX/XX/2022 for {$20000.00}. I received an email confirmation from the bank that the wire was sent. The recipient never received it. Subsequently the bank told me it was held for compliance review. It has now been over 4 months and I can not get any meaningful response from Citibank. They tell me there is no person I can speak to and that they are under no time obligation to complete a compliance review.
Product: Debt collection

Cease and Desist Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Cease and Desist Request Under FDCPA Dear Consumer Adjustment, This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

Covington credit in XXXX, TN Coming to my residence at least once a week for past due payment for the past couple months. Called my parents house ( not a co signer or A reference ) 3 days in a row, multiple times a day. Proceeded to tell my parents I am 3 months behind on a loan payment. Her name is XXXX the manager of the office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named Afni says that I opened an account on XX/XX/XXXX for {$870.00}. It says that it was for a XXXX account. I have been with XXXX since XX/XX/XXXX and can't even get XXXX in my area. I would think that an inquiry would have shown on my credit report for this? 
I have filed a dispute with Transunion ( file # XXXX ),  XXXX and just now written a letter to Afni but it may not have had time to get there. 
Afni reported me to collections on XX/XX/XXXX and my credit score dropped from XXXX to XXXX. How can they do this? 
Afni address : XXXX XXXX XXXX XXXX ILXXXX I was never contacted about this. It just showed up on my credit report. So I don't have any collection letters to show.