23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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: Money transfers

On XXXX XXXX, 2016, several fraudulent charges were made against my Paypal account. After working with Paypal I was able to get XXXX of them reversed, however the largest one, a personal charge issued to a man apparently located in XXXX, was ruled against me. This was communicated to me with vague language and no explanation, and when I tried to find out way I was told that because I 'd informed my bank that these charges were fraudulent and my bank had ruled in my favor, Paypal had opted instead to stop trying to charge my bank and instead charged my Paypal account directly. I know noone in XXXX, have never been, and have no family or other connections to the country, and object to both their ruling against me and the lack of any details as to why they did so, combined with their refusal to provide me further information over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with credit discrimination for many years. I filed for bankruptcy 5 years ago. I recently completed my obligations and my credit score seems to be decreasing. I have friend that are XXXX with the same scenario and they have gotten approved for many loans to include the ones I have been denied. I would like a comparison take with someone of XXXX race making equal amount of yearly income and compare with my situation and see the inconsistencies and blatant discrimination.
Product: Student loan

XX/XX/XXXX I was contacted by XXXX XXXX to consolidate my school loans and lower my monthly payments. I agreed to the proposed consolidation, but it was noted that ONLY my loans, not my son 's XXXX XXXX loans, be included in the consolidation. I was told that for the next 10 years I would pay somewhere between $ 50-70 a month and at the end of the 10 year period ( or 120 ) payments, the balance would be forgiven. In XXXX, I received my first notification from FedLoan. I immediately contacted XXXX XXXX because the Parent Plus loans were included. FedLoan was contacted by XXXX XXXX and myself, but we were told that the loan consolidation was complete and there was nothing that could be done to reverse it. For the next few weeks, I was in contact with both XXXX XXXX and FedLoan in an attempt to fix this problem. Because of this mistake, I was also taken to court by my ex-husband - he was responsible for the ParentPlus loans per our divorce decree. I was told by XXXX XXXX to let the matter rest since my payments were at the amount that they had calculated - {$57.00}. I paid this amount for 12 months and received a notification from FedLoan to recerttify. Once I completed the recertificaiton process, I was informed that another mistake was made. I was NOT eligible for the repayment program and had to be put into another program. My payment was then calculated at about 5 times the previous amount - {$250.00}. Again, I contacted XXXX XXXX and FedLoan, but was not able to get any satisfaction. I was basically told, sorry we made a mistake, and nothing could be done. I contacted every agency to attempt to get some kind of assistance, I hired an attorney to file bankruptcy, and finally had to sell my home - the payments were increased to {$470.00} in XX/XX/XXXX. I have tried everything to get the matter resolved and feel that I have been grossly taken advantage of. Please note that XXXX XXXX has attempted to assist me with this matter and even provided monetary help to either take FedLoan to court ( no one would represent me ) or file bankruptcy. I would appreciate ANY feedback. After reading a number of articles, including the lawsuit against XXXX, I am not alone - but that does not help pay the bills! The sheer number of documentation I have is too great to include in this email, but I would be happy to send any/all via USPS.
Product: Debt collection

portfolio recovery associates placed a collection on my XXXX credit report, after they realised that i did not owe this debt threw my prior disputes on XXXX they sent a letter stateting that the collection reported to XXXX would be deleted, attached is proof of such letter, as of XX/XX/XXXXthe deletion of this account ( XXXX  acct # in my XXXX credit report is XXXX theres a different account number in the portfolio recovery associates which is XXXX its the same merchant in my XXXX credit report.portfolio recovery has not deleted this account which has caused great harm to my perfect credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. 

Similarly, I disputed the validity and accuracy of the account for XXXX  XXXX XXXX  on my consumer credit file, requesting physical information, which was never received, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never gave any consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern : I have just received my credit report and noticed there are several inaccurate items on my report as follows : I request that you remove immediately the following fraudulent inquiries from my credit report. 

XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

I anticipate your response and an updated copy of my credit report. 
I have enclosed a copy of my Drivers License showing proof of my current address as proof of identity. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Procollect Collections : On XX/XX/XXXX I paid my account, in full, in the amount of {$1300.00}. On that day I was told, via phone, that I would receive a paid in full letter. When I called to check on the status of my paid in full letter, I was told that I would NOT be receiving a paid in full letter because they " found '' another account from an apartment dating back to XX/XX/XXXX. This account was NEVER reported on my credit report nor did I ever receive notice of another delinquent account. Procollect never mailed me anything, even after receiving an updated address for me. My money was taken, but it was not used to fulfill my VALID debt obligation. Instead, it was split between two different accounts, once of which, is NOT valid.
Product: Checking or savings account

I opened checking account with XXXX Bank on XX/XX/XXXX and deposited XXXX XXXX since then I am unable to use any of my funds because someone at the local branch placed a hold without explanation. I requested to close the account on XX/XX/XXXX over the phone and refund of my money. The bank charges monthly fees every month for XXXX $ and wont let me use the account and wont close the account either per my request. I would like to close this account with routing # XXXX XXXX # XXXX. Also I would like a refund of total funds deposited in the amount of XXXX XXXX 
Thank you XXXX XXXX
Product: Mortgage

Flagstar bank has violated the cares act multiple times and put myself, my family and my work in unnecessary financial stresses that have led to negative outcomes. They admitted it once and then turned around and did the exact same thing they knew they did wrong all over again. 

The Cares Act stated that they can not charge fees or refer to foreclosure and they referred you to f/c 2 times once on XX/XX/XXXX and then again on XX/XX/XXXX. This is considered dual tracking and is not legal. 

This is the second time I have had to deal with this. They have sent people to my door weekly with foreclosure papers, harassed us, and told me the VA denied everything when none of this is true. The VA has extended the program out until XX/XX/XXXX and I am supposed to be able to be on it by then. 

My VA rep sent me documents showing that I am on forclosure till XXXX and I was calling to get the extension but was once again told my home is going to forclosure and I am not on a forbearance plan. I have tried contacting Flagstar countless times and have left countless messages for XXXX in lost litigation and noone ever returns my calls. 

This has cause a huge strain on my family and is part of the reason we are now in the middle of a divorce. 

They have destroyed my credit and cause so much strain on my family and work. This is uncalled for They contacted me while on my family vacation telling me my appeal has been denied and if i dont pay XXXX my home will be taken in foreclosure I can get you any documentation needed from the VA that shows all the dates etc. My rep there is XXXX XXXX.
Product: Checking or savings account

I opened a checking account with Citizens bank with a promotion to receive {$400.00} after having a direct deposit of {$1000.00} or more. I made this direct deposit on XX/XX/XXXX and its been over a month with no bonus yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need a XXXX XXXX  off
Product: Student loan

I have been constantly asking for lower payments. They are not considering my cost of living and that is unfair. I am a XXXX, living on a XXXX 's salary in XXXX. My housing prices have gone up every single year and I have been trying to get on affordable housing for at least 5 years with no luck. I have tried to find cheaper housing with no luck. The loans do not consider this in my repayment calculations which is harmful to those of us who work in big cities. I had to get a XXXX to XXXX. I also had to live. 

I last spoke to the fed loan servicers on XX/XX/2019 and was told that with a repayment under the income driven plan, I'll be paying XXXX which is reasonable. However, once I got my letter back XX/XX/2019 it was back even more to XXXX. I already told them XXXX is really tough for me to pay with rent expenses, commuting, bills, and food. That's why they had me do another. I find it strange that they keep coming up with the same amount. I really need help with this. Please. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and previous ftc violations
Product: Credit reporting or other personal consumer reports

This is my six 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 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 XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
Details of Disputed Entries : Creditor Name : XXXXXXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.
Product: Credit card or prepaid card

After a lengthly phone conversation in XXXX with somebody claiming to be from XXXX ( the XXXX I work for ) and from the Bank of Omaha, I was sent a pair of credit cards for my wife and i which I was not expecting, and there was a balance transfer of over {$2000.00} which they claimed came from my credit union and I never authorized. Got a letter on XX/XX/XXXX19 saying the balance transfer exceeded my credit limit. Credit union has no record of any balance transfer, but now this credit card company wants me to pay it, and the interest rate shoots from 0 % up to 24 % in two months! Got that letter XX/XX/XXXX19,  followed shortly by the two unsolicited credit cards.This puts my ( and my wife 's ) credit in jeopardy and is absolute fraud and theft! Shutting down all access to my accounts, big inconvenience and hours on the phone is what will become of all this. Called the XXXX XXXX number listed on the card, and some very rude customer service man there said I owe the {$2000.00} and that was that. Spoke to XXXX from the fraud department at bank of Omaha and she recommended I file this complaint! Currently have not received a statement from this company, and will not be paying it if I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Midland Credit are reporting fraud accounts on my credit Please note the attached FTC report and my Driver license and remove these accounts from my credit due to fraud.
Product: Debt collection

The XXXXXXXX XXXX are trying to say I owe them {$430.00} because they lost income because I moved out without proper notice. They sent my debt to National Credit XXXXystems and now my credit score went down. I do not owe them any money. I have signed documents from the apartment manager saying I will move out per my leave. I also got another housing voucher from XXXX XXXX XXXX XXXX because I moved out and couldnt stay month to month. 
Attached it my request to move form that was signed my apartment manager saying I moved out XX/XX/2021. Also attached is my payment history where XXXXXXXX XXXX gave me a move out credit. For two months after my lease ended XXXX XXXX tried to collect rent from XXXX but it was reversed because I no longer lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to Experian that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Product: Credit reporting or other personal consumer reports

Account don't belonge to me BANK OF AMERICAXXXX XXXX XXXX
Product: Debt collection

I separated from the military in XX/XX/XXXX. Due to this, I broke my lease with XXXX XXXXXXXX XXXX moving out XX/XX/XXXX. I had fully paid my rent during my time there. On XX/XX/XXXX, I received an email from XXXXXXXX XXXX XXXX stating I owed money, which I disputed. A representative from XXXX XXXX XXXX was confused about the debt and had to talk to management. Despite repeated attempts to contact them after this, I received no further communications ( see attached email thread ). On XX/XX/XXXX, I received a letter from National Credit Systems claiming I owed {$2300.00}. I responded that week with to dispute the debt and request debt validation. I have not heard anything from National Credit Systems since. In XXXX, XXXX, National Credit Systems reported the debt to the credit bureaus. I have since disputed this to the credit bureaus.
Product: Checking or savings account

Wells Fargo IRS Confirmed my stimulus 3 ( for {$1400.00} ) was sent on XX/XX/XXXX to my Wells Fargo Debt Card ending in XXXX. 

The IRS said if I did not receive it, call my bank. 

Wells Fargo acts clueless when you call them and they do not anticipate the needs of their customers by sending them daily updates or telling them not to worry. 

What are they doing buying short term financial instruments to gain a short profit buy sitting on our money? 

Are they sitting on the money to somehow make their quarterly reports have more cash on the books? 

They can't even update their customers and today is Friday?
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates ) : XXXX XXXX XXXX XXXX.Transunion XX/XX/year>. XXXX XX/XX/year>. XXXX. 
These dates do not agree with each other, that is inaccurate information. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 



You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I would love for you to please verify this incorrect information on my credit report and if so, delete it! 

inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX Account I don't recognize : XXXX  Account # XXXX Balance : {$600.00} Date XXXX XXXX XXXX Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$13000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXX