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

I am writing to formally request that you block and delete certain fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I have recently become a victim of identity theft as a result of a data breach. The following information was fraudulently accessed and does not belong to me : Fraudulent Account 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 Equifax Mortgage Services XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debts in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from these accounts from their records due to an unidentified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated them and the banks also approved of updating the status of the accounts to open/closed never late after I talked to them on the phone. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 



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 was under the impression from Navy Federal that if I paid my old debt from XXXX plus years ago I would be able to gain membership again. I paid the XXXX dollars to the branch in XXXX sc. I then wrote a letter to the Ceo who then just passed it off to someone else who passed it on. I was then notified on Thursday XX/XX/XXXX th that since the bank took a loss the would not be reinstating my membership with. Navy Federal. I then asked for a refund of my money they then transferred me back and forth for over XXXX minutes and when I finally asked for a supervisor they hung up on me. At this point I don't want my membership back I just want my XXXX
Product: Debt or credit management

On XX/XX/XXXX, I attempted to place a freeze on my transunion account. I attempted to change my email address but could not do this online. I had to call transunion. 


I attempted up to 5 or more times, and three today, XX/XX/XXXX. When it asked for my phone number the AI kept asking for my phone number repeatedly, after I repeated it. I have a witness that heard all of this. I was on hold and then dropped several times. 

I really need to place a freeze and I can not get through to a customer service person. 

I attempted to use the texting option. They only gave me the same phone number. When I attempted it was the same loop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FACTACT FREE DISC XXXX XXXX Capital One For the record Im beginning to sound like a broken record repeating myself. Seems to me no XXXX but a computer is hearing my situation. Ive contacted you several times asking for verification steps that the creditor and the credit bureau took in order to accurately ensure that it is in fact mine and not a fraudulent inquiry? I received several XXXX and bogus message with no actual answer and I know by law according to Section XXXX in the FCRA it clearly reads that the creditor nor the credit bureau can not attempt to place any new credit account or credit inquiry onto a consumers credit profile without consent and accurately verifying. Now that I have copies and record of you consistently ignoring my letters, messages, and breaking several laws in the FCRA Im am now determined confident and ready to take legal matters against the creditor and credit bureau. I am not allowing no time to respond back to this matter. You had to much time to respond but you decided to disrespectfully ignore my letters, email, and everything else. Im more than delighted to take this matter to XXXX XXXX XXXX XXXX XXXX and prove that the inquiries are fraudulent, an error and dont belong to me.
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 - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


XXXX- Student Loan xxxxxxxxxxx XXXX XXXX Student Loan xxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX  XXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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: Debt collection

I had a XXXX loan that was only to be paid back if i didn't finish the program. i was unable to finish the program or reenroll. Now I am trying to reenroll and they tell me i have a collection i need to pay from a collection company first. When i called the company they refused to send notification of the debt and said that its XXXX higher then my loan amount. They won't give me an account number or send notification. I need help resolving this as i don't feel i should have to pay this without knowing what its for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Never opened this account. 
Called multiple times to remove reporting information with no success. 
Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2022 Responsibility Individual Account Account Type installment Loan Type SECURED Balance {$720.00} Last Payment Amount {$0.00} Original Amount {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,   XXXX   {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   IL
Product: Debt collection

Hello, I am reaching out regarding misinformation i received from a chase bank telephone customer service representative that caused my account to go into a charge off status which essentially ruined my life due to the negative impact on my credit. I called telephone customer service on XX/XX/2016 because I was looking to pay off my credit card balance in full. The credit card statement had a balance of {$990.00} with a due date of XX/XX/2016. This balance included a Late Fee of {$39.00} and Interest Charge of {$12.00}. I requested for the fee and interest to be refunded. The representative agreed to do so as a one time courtesy adjustment since it was the first ever fees charged to my credit card. I told the representative that I would like to pay my card to a XXXX  balance and did not want to over pay and be left with a credit owed. I was instructed by the representative to minus the late fee and interest charge from the statement balance amount and pay that amount because after the fees are credited then the account would balance itself to a XXXX  balance. 

I paid the amount of {$940.00} on XX/XX/2016. I found out after some time that the fees refund adjustments were never credited. Which caused my account to have a balance left over of the late fee and interest charge that were not refunded as promised. And for multiple months late fees and interest fees were accumulating on my account by being charged fees and interest on top of fees and interest. Ultimately my account was charged off with a balance of {$200.00}. This charge off amount completely consists of bank fees. 

I am disputing this amount due to chase bank clerical error. I previously disputed this with the credit bureau but my dispute was denied. I am writing this so you can understand my situation in detail. I request that you properly investigate and correct this. Thank You.
Product: Debt collection

I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of XXXX which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in a county that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in our county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.
Product: Credit card or prepaid card

My income and entire home situation has been affected by Covid-19. 
I borrowed money to stain top of my bills during this time and made my Capital One payment on XX/XX/20. The due date was for XX/XX/20 but I wanted to request a late fee removal. 
Capital One advised I can request a program for future payments but they can not assist with the current late fee. 
During this unprecedented times, I would appreciate if any unnecessary fees could be waived and handled properly. 
Ridiculous fees shouldn't be a way to get ahead during this time, we are all just trying to make it.
Product: Vehicle loan or lease

On XX/XX/XXXX 2017 I received a letter from Toyota financial services stating that they will be sending me a refund of excess wear and use charge s,  which they inadvertently charged on my previous loan lease- and that the refund would be provided under separate mailing, it has been almost a year and I have not received any further information- I tirelessly attempted to contact the company to get more information and they have acted like th y did not send me this letter or refrained from elaborating, this is unfair and deceptive practice, as far as I am concerned they have known th y have had my money for 9 months and have withheld it, meaning they now owe me some form of interest onntop of the original refund. Vin number XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Experian Consumer name : XXXX XXXX Consumer Social Security Number : XXXXConsumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card XXXX XXXX XXXX  {$300.00} opened XXXX, also inquiries XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.The account have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed several items on report, inquiries & paid some balances down but Equifax, XXXX  & XXXX  didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all XXXX failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action
Product: Checking or savings account

I would get an overdraft fee when I would go negative and it was a Wednesday and I get direct deposit every Friday so each day would be another fee. Another time I had money saved in my checking account and they basically wiped me out because of some issue and wouldn't give me back the money. So ended up closing my account because there was to many issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$12000.00} XXXX XXXX  XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX with no successful resolution. Experian, and XXXX   only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I dont recognize Grow Credit nor have I ever even applied to this company. I would like this removed asap.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024 To Whom It May Concerns, My information was bought and sold illegally because I was a victim of the XXXX XXXX breach. I want these items removed from my credit report effective immediately. I am attaching proof that XXXX has done nothing. Please help me delete these item from my report. I am listing all my information below. I am attaching proof that XXXX has admitted to the data breach and I was a victim and my information was leaked. 


Account 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: Money transfer, virtual currency, or money service

Here is a draft complaint letter based on the information provided : Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Block, the operator of the Cash App payment platform. I am deeply concerned about the company 's failure to protect consumers from fraud and its inadequate investigation of unauthorized transactions. 

According to the CFPB 's enforcement action, Cash App employed weak security protocols that allowed fraud to proliferate on the platform. When customers reported unauthorized transactions, Cash App often failed to properly investigate these disputes as required by law. Instead, the company directed users to contact their banks, even though Cash App was responsible for investigating these issues. 

Making matters worse, Cash App made it extremely difficult for me to access effective customer service. The company 's telephone support line simply directed people back to the app, leaving me with no way to escalate their concerns. This created an environment where fraudsters were able to take advantage of Cash App users. 

As a result of Cash App 's failures, many innocent consumers suffered financial losses and other hardships. I am outraged that a major financial technology company would so blatantly disregard its obligations to protect its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I received a notification that three collections were added to my credit reports from the CBE group. I had previously been working with the CBE group to settle the account, but the collections were placed on my credit reports anyway. Because I wanted to settle the debt, an agreement was set up with the CBE group to settle all three accounts that were in collections in the amount of {$300.00}. I also have the agreement # to show proof that this was the accepted amount to settle for. Since XX/XX/20, I reached out to the CBE group to ensure that my accounts would be updated properly with each credit bureau to show that the debt has been paid. However, when speaking with a representative and after logging into my account, it appears as though CBE group has somehow deleted the original agreement to settle the accounts, and now there is a balance showing for each account, AFTER the agreement was accepted by CBE group. I am at a lost for words that this has happened as I didnt know that collection agencies can void agreements after theyve taken a payment for such agreement to resolve a debt. This is completely unacceptable.
Product: Checking or savings account

On XXXX XXXX I converted my checking account to a low fee checking account ( the previous account required a certain amount to be in the account for the month - {$2500.00} XXXX. This I believed would lower the charges. In XXXX of XXXX i began to received {$30.00} overdraft fees on my account. I initially paid the first fees - then other fees were charged. I called my bank and was informed that the checking account was changed to an account that would allow the bank at their discretion to pay and overdraft my account. I have argued and now I am being assessed fees for my account continuing to be overdrawn.