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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$740.00} 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I believe the account is invalid. CREDIT COLLECTION SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CREDIT COLLECTION SERV XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XX/XX/XXXX which falls underXX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent nor authorize any person or company to benefit from my credit. As a consumer I requested proof of claim for the account listed below and the company failed to answer my request. 

Account Name. Account number US Dept ED XXXX
Product: Debt collection

I noticed the debt on my credit. I tried calling XXXX who no longer could help me. They couldnt even give me a phone number. The address and everything matches my previous address. I was no longer at that address and the account was opened after I moved from that address. I disputed with the credit bureaus and because its my previous address they claim its mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 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 
, have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is old and closed. The car was purchase in XXXX and paid. And close XXXX and they charge it off with a balance of XXXX. They still have the account on my current report has open. The account is reporting on XXXX and Trans Union. The account was remove on XXXX XXXX credit report. Do to old account and closed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  M XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Debt Validation Request for Account Number XXXX Dear XXXX I am writing in response to your recent communication dated XX/XX/XXXX regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt and provide documentation to prove that I am legally obligated to pay it. 
Specifically, I am requesting the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and payments.

3. Proof that you are authorized to collect this debt.

4. Copies of any documents that show I agreed to pay this debt ( e.g., the original signed agreement or contract ). 
Until I receive this information, I am requesting that you cease all communication regarding this matter, except to provide the requested validation. Additionally, please ensure that you do not report this debt to any credit reporting agencies during this validation period, as doing so would be a violation of the FDCPA. 
If you can not provide the requested documentation, I respectfully ask that you stop collection activities and remove any references to this debt from my credit reports. 
Please be aware that this letter is not an acknowledgment or acceptance of the debt. I reserve the right to file complaints with the Federal Trade Commission ( FTC ) and my state attorney generals office if I believe my rights under the FDCPA have been violated. 
I look forward to your prompt response. Please send the requested information to my address above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Transunion they failed to reply within 45 days to verify these inaccurate accounts.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i receive a notification from credit reporting agency alerted me of a potential loan inquires which I'm not aware of XXXX XXXX ( XXXX ) ON XX/XX/XXXX
Product: Checking or savings account

XX/XX/2023 I made 7 transactions to the merchant XXXX for the amount of {$99.00}, {$100.00}, {$99.00}, {$4.00}, {$99.00}, {$99.00}, {$99.00} totaling {$610.00} which were later canceled and I was still charged I disputed the transaction as I was charged but no service or product was received.I provided them screenshots of the merchants website stating that the order was canceled. Proving my reasoning for the dispute that I was being charged when order was canceled and not provided to me. Then on XX/XX/2023 chime decided to close my account and are making it hard for me to get any information on the dispute and getting my money back they just reply with a generic email saying that my account is closed not giving me any updates on my dispute and my money.
Product: Checking or savings account

I am contacting in regards to my chime account being closed with around {$2600.00} of my funds left in my credit builder account, I was asked for documents to prove my identity and proof of where my deposits were coming from which I provided multiple times through email and links that were sent to me to upload documents, I was sent a link that didnt let me upload because I reached the limit to upload documents and I emailed to ask to fix that issue so I can upload my verifications and before I could even upload them I got an email saying my account was closed, quite frankly for no reason because I didnt violate any policies with my deposits. If this matter is not resolved in a reasonable timeframe I will be filing a lawsuit because chime/ XXXX is taking away from my family I need to provide for with my hard earned money, I personally know plenty of lawyers and military officials that will happily help me out. I either need my account reopened to pull out the rest of my money or a check of my remaining balance sent to my new address thats different from the one on my account. I will be more than happy to provide documentation to an actual human being instead of an automated robot. Thanks
Product: Debt collection

LVNV FUNDING is a collection agency that is violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). They did NOT send me any verifying and validating information about this alleged debt and to take it a step further, they had also sued me, case number XXXX XXXXXXXX. I did NOT know that I got sued in the year 2022 by this agency nor did I get ANY notification about such debt. I want proof that I received notification about the alleged debt by providing a certified green return card bearing my signature. Additionally, being sued without proper notification further violates the FDCPA, to be specific, 15 U.S. Code 1692g ( c ) and 15 U.S. Code 1692i ( b ) which states " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. '' Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.
Product: Student loan

The promissory note lender was XXXX not Nelnet. The loan was scheduled to close in XXXX in accordance with the Department of Education rules for FSA loans, of which Nelnet is in violation of and the loan should never of been transferred to Nelnet. FSA loans have a scheduled close dates, in accordance with the the FSA of the Department of Education, they are not open loans until you die, it seems to me Nelnet believes themselves to be the XXXX. FSA loans have a 10 year or the newer loans a 25 year old end date in accordance with the Department of Education FSA loan rules. 

Nelnet has once again admitted in print the two loans of XXXX were never dispersed and for XXXX dollars and cancelled in XXXX and that there were 14 loans consolidated in XXXX. Yet Nelnet continues to show the addition of two loans in XXXX to my FSA account plus a third loan requiring consolidation. Is Nelnet owned by the XXXX? How do they continue to get away with this illegal crap!
Product: Credit reporting, credit repair services, or other personal consumer reports

There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that XXXX, Equifax and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX  NXXXXw {$2.00}, ( # 2 ) XXXX XXXX  {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX {$72.00}, ( # 6 ) XXXX {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX {$960.00}, ( # 9 ) XXXX   XXXX XXXX  {$30.00}, ( # 10 ) XXXX XXXX XXXX {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX   {$71.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   I called Equifax to inform them that a couple of the collection accounts I have, I received proof that they would delete them, however the representative said they could not do unless we had confirmation of that, so I told her that I have proof directly from Them but she still refused. What a terrible way of handling thing on Equifax 's part. Terrible customer service!     The accounts was    XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

Associate called multiple times in a row on the same day. X/XX/17 at XXXX XXXX, XXXX XXXX I called back and spoke to a gentleman at XXXX XXXX who refused to name himself and I had to ask 3 times for the company name before he would give it. He then demanded my SS # to which I denied and stated I would not do so without knowledge of what the call was about. Denied to offer. So I stated I wanted validation to which he grunted, really he grunted. 

I told him he must per FDCPA, he grunted again and hung up. 

I just received a letter demanding payment from EOS CCA post marked after the call date but the letter is dated 2 weeks before. I have tried to call the number back but it goes to a voice service now with no identification or message options. 

I again demand full validation of the debt all negative information from EOS removed from my credit report, all calls to stop until validation is sent and 30 days pass. I also demand fines to be placed on EOS and the collector on the phone for FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I humbly submit this complaint as I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX -- XXXX XXXX -- XXXX ( {$1000.00}, {$2000.00} ) XXXX XXXX -- XXXX
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that EQUIFAX, the 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 receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a HARD INQUIRIES. 

HARD INQUIRIES : XXXX XXXX XXXXXXXX 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  XX/XX/XXXX These multiple bogus INQUIRIES on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned INQUIRIES, that were reported. I did not open, make, or start the aforementioned INQUIRIES on my consumer credit report, which you keep. All of the INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned INQUIRIES are the consequence of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXdid a false inquiry on my credit report on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and explained my reason for contacting them. The representative told me that I needed to send in an FTC report and a form of ID, which I did & nothing has been done to fix my credit report. There are a few fraud inquires that I requested deleted but they are still there. Please delete this information.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX and XXXX of 2024 I was preparing to get a new home loan and wanted to close my HELOC with B of A. I went to my Branch in XXXX XXXX several times to get the payoff amount. The staff at my branch was unable to reach someone at the HELOC department, so I made XXXX large payments at the branch hoping to payoff the balance. Afterwards I received a request to pay an additional amount due. I then filed a complaint with the Consumer Financial Protection Bureau XXXX. Unfortunately, am writing again to explain that the HELOC payoff balance that I requested last XX/XX/year> was paid in full, but continues to erroneously show on my account as balance due. After filing a complaint with the Consumer Financial Protection Bureau, I received responses by XXXX XXXX XXXX at XXXX XXXX. She instructed me to make XXXX last payment of {$160.00} and this would have cleared the HELOC completely. However, B of A continues to generate a balance due. I feel cheated by whoever is in charge of this HELOC. I attempted to close the HELOC last XXXX as I was seeking a new home loan. Why this runaround and lack of professional etiquette by B of A? XXXX XXXX XXXX explicitly asked me after making XXXX large payments to XXXX  my HELOC balance ( a $ XXXX and a {$9.00} on XX/XX/year> ) to pay the last remaining balance of {$160.00}. Since then I observe that my account continues to show a remaining balance due. This is their mistake, it is unconscionable and amounts to grand theft.