23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a victim of Identity theft and in the past my information was used without my knowledge. I have contacted each credit bureau and requested a copy of my credit report. I have disputed the inaccurate accounts and requested an updated copy of my credit report, I did not give anyone permission to use my personal information so I am requesting these accounts to be removed from my credit. 

XXXX Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX XXXX XXXX  Account # XXXX $ {$4000.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$5400.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX
Product: Credit card or prepaid card

I had a secured credit card with Fifth Third Bank up until XX/XX/XXXX of last year for whatever reason after making my payment they did not posted to my account XXXX Dad closed my account and kept my {$300.00} security deposit they claimed it covered the fees and close the account and I thought all was good. Then in XX/XX/XXXX I noticed it was reporting late on my credit report and there were fees associated I went through all three credit bureaus and disputed this I later received a letter from Fifth Third and the credit bureau saying that the account was corrected which at the time it was now here we are six months later and they claim over {$300.00} in fees keep in mind this is an account that was secured with my own money not borrowing Theres they made up all these fees and they refuse to do anything about it while they continue to report negatively to my credit on a secured card that was my own money. I have tried multiple times to talk to them with no help what so ever this needs to be removed and closed as these are false charges that fifth third made up as they seem to do often!
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. A review of my credit report revealed late payment entries. I sent letters regarding this issue over 30 days ago but have received no response, nor have I been provided with adequate validation. I'm seeking your help to address this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, since my social security was compromised, so I'm sending this complaint because of fraud item s on my report. I'm not using any third party for this matter and represent myself by myself.

I have filed FTC report for hard inquirers that I have never authorized.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX these items above should be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be personal loans company under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or loan acquirement and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Product: Debt collection

I got a letter from XXXX XXXX, XXXX. I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an RBS Citizens , N.A . account with XXXX # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.
Product: Debt collection

Portfolio Recovery is a debt recovery company. I dont have a signed contract with them. The couldnt produce the proper documents when asked for method of validation to show me that my signature, Identifiation etc was on file. They couldn't produce it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Account disputed are : - Specialized collections for {$640.00} - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX XXXX, 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: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX XXXX XXXX. Please delete the following accounts. CAPITAL ONE Acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me I even tried to dispute more then one 's account XXXX XXXX XXXX  been closed since XXXX and the credit bureau repond the account on my report and reported a couple late payments recrecently which resulted in late recent payments even tho its been close since XXXX and showing closed as of XXXX so the dates of the account and payment history its not right and they giving me a hard time
Product: Vehicle loan or lease

I purchased a XXXX XXXX from an Auto Sales lot in XXXX Delaware in which I later learned that the XXXX was through a Lease Rental company. This XXXX later began to have transmission issues. I reached out to the company and explained the problem to the account manager. I made the account manager aware that I was going to have the XXXX serviced and he agreed to pay half of the cost. When the tech at the XXXX dealer gave the estimate for the work needed to be done and the cost which was {$1100.00} - {$1200.00}, I contacted the account manager. At this time, he didn't want to follow through with the verbal agreement. Instead, he forced a refinance because he didn't want to stand behind statements he made. This is a lack of integrity by the company to me! At that point, I was now stuck with paying the service bill to get the XX/XX/XXXXout of the shop and make payment, etc. I had to borrow {$600.00} from my employer to get the XXXX out of the shop. I felt that this lease company could no longer be trusted because of the way they handled this situation. I advised the account manager that I was no longer interested in doing business with them. Lease Rentals waited several months to retrieve the XXXX. Consequently, Lease Rentals sent out notices to make me look like the bad guy which is why I've been disputing this charge-off/collection. This is just so wrong. Companies like this shouldn't be able to just take advantage of people!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had a Citi/AAdvantage Platinum XXXX XXXX XXXX XXXX for almost 6 years, always paying before the due date and always paying in full. 

On XX/XX/2019, I logged into my Citibank online account to check some stuff over there and I noticed that it said that my credit card account has been closed. So I called Citibank to let them know that neither me nor any authorized user had requested to close the account. It was then that Citibank informed me that the bank has decided to close my account " due to my history '' ( again I always paid the full balance on time ), without providing any further information. I called many times, many numbers, and even contact them on XXXX and the only thing they could tell me is that I have to send a letter to a Citibank XXXX XXXX in XXXX XXXX, SD and wait for a letter back that could take up to 30 days. There is no phone number or email to contact this secretive Citibank department in XXXX XXXX, SD that unilaterally decided to close my credit card account without giving any previous notice. 

I am currently travelling and Citibank have put me in a very delicate situation with the action that they have taken. 

I never thought that in a country like the United States of America a company that it is supposed to be serious would do something without proper notice or the possibility to talk to someone right away to solve any issues, rather than having to send a letter as if we were living in the 19th Century.
Product: Debt or credit management

I had new XXXX  installed by XXXX XXXX. The financing is through the XXXX XXXX XXXX. It was over three months before I heard that my payment wasn't going through. I paid off the late debt. I get paid once a month at the top of the month, but the payment was due of the XXXX and I requested if I could pay the bill at the top of the month. I was told " No problem. '' And still they still they didn't switch my date request. I asked for forms to debit my account on the first. I never got them. Payments were missed. I paid those debts and penalties off. I called these XXXX dozens of times. All I'm trying to do is pay my bill at the beginning of the month and they're still stuck on expecting payment on the XXXX. They've XXXX my credit and they don't call me. They mail me and I'm done with them. So I'll pay these XXXX on the XXXX so my credit won't get hit. But they don't do anything. They're the living definition of incompetent. I'm not the only one who've had to deal with their XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received this email from XXXX XXXX, on behalf of XXXXXXXX XXXX, Good Morning XXXX, Both my manager, XXXX XXXX ( XXXX ) along with Associate XXXX, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you from course as well as grade not impacting XXXX and then being registered for upcoming XXXX term. 


Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Hours : M : XXXX ; Tu : XXXX ; XXXX : XXXX ; XXXX : XXXX ; F : XXXX If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX, ext. XXXX MAIN : XXXX X XXXXXXXX XXXX : XXXX EMAIL : XXXX FAX : XXXX Description : Description : Description : XXXX University XXXX : XXXX : XXXX : Description : http : //nau.edu/uploadedImages/Academic/COE/CACREP_Logo.gif Stay connected with us on XXXX at XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _______________________________________________________________ Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXXXXXX XXXX  attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXX and XXXX promised to fix it but never did. This MUST be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a dispute with Transunion, XXXX, and XXXX stating that my address, and phone number were incorrect and needed to be updated. with my dispute I attached my driver 's license, XXXX phone bill, and social security card. I requested all 3 credit bureaus update my information. on XXXX XXXX and XX/XX/2023 I received notice via my Transunion portal that the information was accurate and verified. Transunion, XXXX, and XXXX violated my consumer rights. they did not provide valid information that they conducted a reasonable investigation or show how my information is accurate. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

Today XXXX/XXXX/15 I received a call from Flagstar mortgage company stated that are returning my check for {$75.00} due to me being delinquent on my mortgage. The young lady on the phone stated that it is there police to not accept partial payment on delinquent accounts. I have been delinquent since XX/XX/XXXX and during this time they have accept partial payment up until XXXX/XXXX/2015. This issue is only one of the issues I am having with Flagstar. this is the second time since XX/XX/XXXX I am filling for lost mitigation with their company. First they denied me because that stated my unemployment would run out by a certain date. this was after going several round with them not reading the paper correctly. On top of this matter the lost mitigation team never received my paper work which I up loaded on Flagstar website. Each time after receiving a call for the collection department stating they did not have the paperwork, and CSA was able to see the uploaded documents, and stated they were forwarding a note up to management and or lost mitigation that the documents are in the system. Both time I had to demand to speak to a manager and directly send them the requested information. And they requested signed copies of the loan process form that I filled out on line. This situation is getting very frustration and stressful. Bad enough I was unemployed and am now underemployed, but for them not to provide the help that stated they would and not. I am following the information my XXXX XXXX adviser stated I should do, but in the meantime I would like to resolve this issues of Flagstar not accepting my partial payment as well as their document uploading process.
Product: Credit reporting, credit repair services, or other personal consumer reports

To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I am enclosing a copy of a UCC-11 Information Request to show proof that there is no public record of any debt being owed to any corporations. Due to these findings it is imperative that any credit reporting bureau that are listing this inaccurate account on my report, be removed/deleted immediately being that there is no evidence to show that a debt is owed to them. I hope you find the enclosed information sufficient to conduct your investigation so that you may enforce the laws designed to protect the public from misleading or unlawful business practices.

Below you will find the account that are currently being disputed : XXXX ACCOUNT NUMBER XXXX