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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've sent multiple requests for investigations to Experian, see below. However, each request to investigate is denied. They refuse to investigate claiming I am not the requestor. 

On or around XX/XX/year> I sent a request via US mail to Experian to investigate inaccurate information on my credit report. I sent a copy of my current driver license, and a copy of a current utility bill to prove my identity ( see attachment ). However, on XX/XX/year> Experian emailed me stating they would not investigate ( see attachment ) On or around XX/XX/year> I sent another request to Experian via US mail requesting another investigation. I, again, sent along identifying information ; my current driver license, and utility bill ( see attachment ). Again, Experian emailed me and stated they would not conduct an investigation ( see attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I’ve been having the worst luck with my credit being used and my identity being stolen. My account should have a theft alert. There is yet another account being falsely placed on my credit report and I have Zero connnections with this company. The company name is XXXX XXXX For the fraud amount of XXXX   This is not my account nor have I opened An account with them. Please have this removed
Product: Credit reporting or other personal consumer reports

I NOTICED A ACCOUNT THAT IS A FRAUD ACCOUNT, THIS ACCOUNT WASN'T OPEN BY ME,, THIS ACCOUNT ISN'T OPEN UNDER MY ADDRESS, SO HOW CAN THE CREDIT BUREAUS BE REPORTING A FRAUD ACCOUNT THATS NOT ASSOCIATED WITH MY ADDRESS, HOW ARE THEY VERIFYING THIS FRAUD ACCOUNT.. THEY ARE VIOLATING MY RIGHTS UNDER THE FCRA.
Product: Mortgage

XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX showed I didn't pay on time, this is inaccurate.
Product: Credit reporting or other personal consumer reports

This inquiry does not belong to me. I am attaching to you the documents and my appeal to the CFPB In accordance with the law, I have the opportunity to demand that you respect my rights. 
Please remove this inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sale, Affidavit from original creditor verifying the Bill of Sale, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres fraudulent accounts on my credit reports. I been disputing very ling time and they dont help. Please help me.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically invoking 15 U.S.C. 1681c-1 ( b ) ( Section 605B ), and addresses the serious issue of a data breach that has compromised my personal information.

Dispute of Inaccurate Information I am disputing the following inaccurate and fraudulent information appearing on my credit report : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX No Name on Account XXXX Nature of Dispute : Account opened fraudulently due to identity theft ; this account does not belong to me. I demand that this fraudulent information be immediately removed from my credit report, as mandated by Section 605B. Under 15 U.S.C. 1681c-1 ( b ), you are required to block this fraudulent information within four ( 4 ) business days upon receiving my request, supported by an identity theft report ( enclosed ).

Failing to comply with this statute subjects your organization to penalties and legal action, including compensatory and statutory damages. You are obligated to investigate and correct this issue, and I expect a formal confirmation of the deletion within the legal timeframe.

Identity Theft Report and Supporting Documentation Attached you will find my Identity Theft Report and supporting documentation, which includes : A copy of my FTC identity theft affidavit.

Relevant proof of my identity drivers license, ssn.

This documentation further validates my claim and obligates you to take immediate corrective action under Section 605B of the FCRA Data Breach and Negligence It has come to my attention that my personal and financial information may have been exposed as part of a recent data breach involving your organization. This data breach has led to unauthorized accounts and activities being reported on my credit file.

Under the FCRA and relevant data privacy laws, your company is responsible for safeguarding my personal information. I demand an immediate investigation into the security breach.
Product: Student loan

I am filing this complaint regarding my Sallie Mae student loans, which have become unaffordable due to high monthly payments. Despite my repeated attempts to find a lower repayment option, Sallie Mae has not provided any reasonable solutions to help me manage my loan balance.

Additionally, I inquired about how some of my other student loans were sold to another company, which allowed me to make payments and significantly reduced my overall loan burden. However, when I asked Sallie Mae about this, the representative claimed they did not know what I was referring to. They stated that my current loans are different from those that were charged off, but I do not understand how this could be the case since they originated from the same company.

Sallie Maes lack of transparency and unwillingness to offer affordable repayment options is unreasonable. I simply can not afford the monthly payments as they stand, and I need a feasible solution to avoid financial hardship. I am requesting a clear explanation of my loan situation and assistance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  And all inquiries, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries Account name : XXXX Account number : XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name XXXX XXXX  Account XXXX Account name : XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/year> BMO Mortgage Services received from XXXX XXXX XXXX a package containing documents requesting an Indorsed by the " Maker '' and " Drawer '' copy of the " Mortgage '', " Promissory Note '' or " Negotiable Instrument '' from BMO. BMO did send a copy of the " Note '' but it was only Indorsed by the " Maker '' and Title Company and Notary Public. UCC 3-103Indorsed " Maker '' and " Drawer '' Indorsement. I also enclosed a Notarized Allonge requesting a change of Indorsement within the " Negotiable Instrument '' from a " Blank '' Indorsement to a " Special '' Indorsement per UCC 3-205 ( a ) ( b ) ( c ) and IN Code XXXX ( a ) ( b ) ( c ) making the " Instrument '' payable to XXXX : XXXX XXXX XXXX XXXXXXXX : Beneficiary. BMO has sent a letter accepting the change of Indorsement but principle balance is still due and that the " Loan is still valid '' Denying my " Beneficial '' rights as the " Now Beneficiary '' to the " Trust '' per UCC 3-307 Notice of Breach of Fiduciary Duties. BMO has also failed to provide Remittance Transfer Coupon either Electronically or by delivered notification when requested.
Product: Debt collection

15 USC 1692c that the law clearly states if consumer Notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease All Communication
Product: Mortgage

Wells Fargo told me they would issue a check for {$10000.00} from the insurance proceeds, then they called me back after understanding that the amount cashed by Wells Fargo was greater than {$10000.00} and a understanding the contractor WILL NOT start any work until they get the first draft. In fact they could file a lien as you requested they sign a conditional lien waiver for the very amount of the check that you did not send them. I have sustained additional roof and other damage to the home as a result of the games Wells Fargo is playing. You cashed {$20000.00} XXXX and are slow rolling out the amount of money that it will take to get started. You should also know that the depreciation will not be available if you guys do n't hurry up and allow this work to get started. Is Wells Fargo going to pay for the additional damage? 

In regards to the Mortgage Loan, the QWR requested ORIGINAL INK COPY OF THE DEED AND OR other said documents to support the loan. The issue here is my loan is behind handled by the Home Equity Department of Wells Fargo however it is NOT A HOME EQUITY Loan. 

In regards to the single point of contact, I provided all documents that i have access to. I have an active IRS Audit going on and can not provide tax returns for 2014 You have every thing else and i know for a fact, Wells Fargo can do an alternative modification considering this situation. Why ca n't i just start making mortgage payments. Why wo n't Wells Fargo not do an in-house modification considering i have given and provided every single document that i have access to and can sent. Please help me understand how other Wells Fargo Customers are getting modifications when Wells Fargo can not get all documents. Can you confirm the only thing your looking for to modify the loan is 2014 Tax Returns. If that is the case they are not available and wo n't be until the Audit is complete. 

Can you please provide a phone number of someone that can if fact consider this situation and allow me to keep this home? This has and is going on far too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I advised Experian and XXXX that I was a victim of identity theft during Covid 19 and I have lived in XXXX XXXX, XXXX only in XXXX all my life Account Type Collection Department / Agency / Attorney with Balance of {$4200.00} from XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX  and placed on my on XX/XX/2020, I requested that Experian and XXXX provide with methods used to verify that this account belongs to me which they did not this account is a fraudulent account on my report and should be deleted immediately and not sold to any other collections agency that I do not have a contract with this information is not accurate and they should report accurate information only but I find that most of the time they do not and therefore are not protect the consumer I have worked and lived in XXXX all my life
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA- XXXX XXXX Dear Capital One, Capital One Credit card ending XXXX Today ( XXXX2018 XXXX XXXX PCT ) I called your customer assistant Plan department and answered XXXX and asking payment assistant plan for above account number. Begin she not treated me as a valued customer and she asking same questions again and again. I told her I had account Last 4 number ending XXXX already in Payment assistant plan and I need to sing up with this account as well. 
She without checking said for me your both account current and not eligible for payment plan. I felt she given me wrong information. And same time she treated me unprofessional and I felt discrimination. 
I told her to transfer to account supervisor and I spoken with XXXX ( Customer Advocate Department ). She also very unprofessional  behavior and she cover it up XXXX XXXX was right. She basically said I have to skipped 4 months minimum payment and get my accounts past due and call again and see I am eligible to payment plan. I felt also she discrimination on me. 
She transferred my call to executive office and answered my call XXXX ( ID : XXXX ). She also not help me out and she not give any positive feedback. I felt each persons treated me very unprofessional. 
I having hard time financial situation and I loved to keep this account open and Please help me reduction APR for short period really appreciated. 

Thank you .. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Fraudulent Inquiries on My Credit Report To Whom This May Concern I am writing to express my deep concern regarding two unauthorized inquiries that appear on my credit report from Comenity Capital, specifically : XXXX. XX/XX/XXXX : COMENITYCAPITAL/ALPHAEONXXXX XXXX XXXX XX/XX/XXXX : COMENITYCAPITAL/XXXX To provide context, I had a prior account with Alphaeon that was closed in XXXX. However, I have not attempted to open any new accounts with Comenity Capital since then. Despite my numerous attempts to address this issue, including sending dispute letters to both COMENITY CAPITAL XXXX and COMENITY CAPITAL ALPHAEON XXXX, I have not received a satisfactory resolution. 

It is distressing to note that despite your assertions of no record of me having any accounts with your institution, these unauthorized inquiries persist on my credit report. This situation not only undermines the accuracy of my credit history but also poses significant challenges in managing and improving my credit standing. 

To rectify this matter, I have taken proactive steps, including filing a police report, and have provided both an FTC report and my Police Report as evidence of the fraudulent nature of these inquiries. I implore Comenity Capital to take immediate action by contacting XXXX and ensuring the removal of these unauthorized inquiries from my credit report. 

Given the adverse impact these inquiries have had on my creditworthiness and financial well-being, I request your prompt attention to this matter. Furthermore, I seek assurance that appropriate measures will be taken to prevent similar occurrences in the future. 

I appreciate your prompt attention to this urgent matter and request confirmation of the actions taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Debt collection

To whom it may concern, Per your web that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$670.00} and last delinquency reported   XXXX   XXXX  , 2014, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for. By not replying in a timely manner to my initial letter you signed you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Credit card or prepaid card

Chase bank increased my credit card spending limit without my authorization. Chase also mislead me about spending limit increases.

Chase bank sent me an email after I signed up for this credit card, suggesting that I " Apply '' for an increased spending limit. This strongly lead me to believe that I needed to apply to have any increase in spending limit, and that I would not be able to go above  my XXXX dollar limit. 

This was proven wrong, when chase decided to increase my limit, during a purchase that would have otherwise been denied at the register. Because my card did not get denied, I continued to spend money on the card to gain Amazon rewards, thinking that I was well  within my XXXX dollar limit. 

I'd like to add, that I can prove with documentation my ability to pay this bill in full at any time. I use a credit card to keep my checking information safe. Chase took advantage of this, in a predatory, misleading, and malicious fashion.
Product: Student loan

XXXX XXXX /navient are not reporting my payments on the credit bureau just only the balance. So when I apply for a loan they tell me that I do not pay my student loans ( XXXX XXXX / navient ). XXXX XXXX /navient loans automatic comes out of my checking account each month for the last 4years. Please Please help me!