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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 

The following items need to be removed and blocked as they are fraudulent.

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  Account Number : 1513-3 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WHEN TO THE CAR DEALERSHIP THE SAID THEY WAS GOING TO DO XXXX ONLY AND THEY ALOT OF DIFFERENT BANKS 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: Payday loan, title loan, or personal loan

I took a loan of XXXX $ from loanatlast on XX/XX/2020. I was supposed to pay XXXX $ every XX/XX/XXXX and XX/XX/XXXX of every month. Today is XX/XX/2020. They deducted the mentioned amount of XXXX on XX/XX/XXXX and again today on XX/XX/XXXX before the due date. My bank is overdrawn and now Im in a distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX RE : YOUR REFUSAL TO UPDATE/CORRECT PERSONAL INFO RE : REFUSAL TO INVESTIGATE HARD INQUIRIES RE : REFUSAL TO INVESTIGATE SOFT INQUIRIES RE : REFUSAL TO INVESTIGATE XXXX XXXX XXXX # XXXX RE : XXXX XXXX # XXXX IMPROPER INVESTIGATION I XXXX XXXX XXXX XXXX EXPERIAN ON XXXX/XXXX YOUR AGENCY REFUSED TO CORRECT EACH ITEM LISTED IN MY PERSONAL IDENTIFIERS SECTION. MY DRIVER 'S LICENSE, SOCIAL SECURITY CARD, AND RECENT MAIL WERE ALL SUBMITTED. I GAVE SPECIFIC INFORMATION ON THE ONLY PERSONAL INFORMATION TO BE LISTED IN THE CONSUMER REPORT. ON XX/XX/2022 EXPERIAN REFUSED TO INVESTIGATE EACH HARD CREDIT PULL IN MY CREDIT FILE. AS A RESULT, I REQUESTED EXPERIAN DO A FULL INVESTIGATION ON ALL HARD AND SOFT CREDIT PULLS AND PROVIDE ME WITH ALL PROOF EACH COMPANY HAD A PERMISSIBLE PURPOSE TO OBTAIN MY CONSUMER REPORT AND MY WRITTEN SIGNATURE/E-SIGNATURES TO OBTAIN MY CONSUMER REPORTS. On XX/XX/2022 YOU SENT A REFUSAL TO INVESTIGATE M G CREDIT FOR NO REASON AT ALL. AS I REQUESTED ALL OF THE FOLLOWING INFORMATION ALONG WITH YOUR METHOD OF VERIFICATION EXPERIAN PROCEEDED TO REFUSE A RE-INVESTIGATION. XX/XX/2022 EXPERIAN COMPLETELY DISREGARDED MY REQUEST FOR AN INVESTIGATION WITH METHODS OF VERIFICATION AS WELL AS ALL ITEMS LISTED BELOW TO BE SENT TO ME. ON XX/XX/2022 EXPERIAN DID NOT COMPLETE AN INDEPENDENT INVESTIGATION INTO XXXX XXXX XXXX XXXX AS I REQUESTED A METHOD OF VERIFICATION AND EACH OF THE FOLLOWING DOCUMENTS AS WELL TO BE SENT TO ME FROM EACH INVESTIGATION. THIS IS THE NOTICE SENT WITH EACH DISPUTE AS THIS REQUEST IS CONTINUALLY DISREGARDED EACH TIME I DO A DISPUTE WITH EXPERIAN. ( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) FULL METHODS OF EACH INVESTIGATION, ACDV- PLEASE PROVIDE AS REQUESTED FROZEN SCANS- PLEASE PROVIDE AS REQUESTED AUD- PLEASE PROVIDE AS REQUESTED CARBON COPIES-PLEASE SEND I AM REQUESTING MY CONSUMER FILES, FILE DISCLOSURES, AND CONSUMER REPORTS-ALL ARE REQUESTED. XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX
Product: Checking or savings account

While in the XXXX I make monthly withdrawals for living expenses. I made XXXX withdrawals as usual with my atm card at a XXXX atm locted in XXXX mall north. The first transaction was for {$10000.00} XXXX pesos ( {$170.00} XXXX dollars ) the second transaction was the same. Totalling {$350.00} XXXX dollars but checking my bank statement I found it was duplicate so instead of only the two transactions I made there were four. I contract the bank explained my problem they said ok we will start a investigation and gave me the two transactions back which was my money to begin with. After four or five days I received a letter requesting more information. I filled out the information and took it to my local branch and filed the forms with the bank like requested. About 7 days later i get a letter from XXXX stating they are taking the two payments back ( {$350.00} ) because I never returned the letter when clearly I did at the branch! Now my account will be over drawn due to there errors and inaccurate investigation to possible fraud and identity theft. I never received the investigation report I requested this seems to violate the FDCPA because they are not doing there job properly and investigating legitimate complaints! This needs to he addressed immediately and corrected.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX and graduated in XXXX. The whole time I was attending the school I was told my " grants '' would only cover me to take three classes a semester so that's all I took the entire time I was enrolled. A week before graduation everyone would have a " exit interview, '' within the interview I was given a huge packet stating I had aquire student loans thru my time there and that I wouldn't be receiving my diploma if I didn't sign acknowledging that. In XXXX I was reached out by the state district attorney in regards to a case going on ; XXXX XXXX XXXXXXXX. I provided them all my accounts information and provided details of my situation with the school I attended, XXXX XXXX XXXX. In XXXX, I received a letter from XXXX, district attorneys office detailing how XXXX loss the case and how I should be discharged from my loans later on that year. Nothing happened from XXXX end, my federal loans were cleared but XXXX won't assist nor do anything in regards to my private. Eventhough the school was also sued for being proven of making fraudulent loans on behave of student and was forced to shut down in XXXX. In XXXX, I received a form to apply for School misconduct loan forgiveness, two weeks later received a denial with no reason or detail as to why it was denied. I made numerous calls to XXXX to get answers but no response. A month later I received a notice that my loan was being transferred and is now being serviced by Mohela, they are stating that isn't the reason for my denial and that I can no longer apply and that my only option is to pay the loan. Eventhough it has already been proven in court the school pulled those loans with their help without our knowledge as students.
Product: Checking or savings account

XX/XX/XXXX US Bank account had XXXX cents and no overdraft. US Bank paid a XXXX bill that was {$95.00} dollars reoccurring debt card payment hand't been cancelled. When I spoke to the bank sometime soon after they said " US Bank decided to pay the bill ''. A new account was opened. US Bank sent the overdrawn account to XXXX XXXX. Fast forward to XX/XX/XXXX, I decided to leave US Bank and tried to open an account with a credit union only to be told that I could not do so due to check systems. US Bank is still my bank and they seem to be clueless on rectifying the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to all the foul play by both XXXX, XXXX, and TransUnion involving my credit score I requested annual report from TransUnion on XX/XX/XXXX. An error message appeared when trying to obtain my report stating they are unable to complete my request due to open disputes. There is not a law written in federal regulations or Maryland State Law that state a consumer agency can withheld a consumer based on those facts. 

I noticed TransUnion started unfair practices since the real estate crash in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX  ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX The problem was supposed to be resolved and yet its the same issue. Documents have been faxed, uploaded and nailed.Credit Acceptance has been paid off last XX/XX/XXXX {$480.00} Yet still its the same issue. This has cause mental health issues for me .Also CFPB also has a record of this error as well.
Product: Checking or savings account

On XX/XX/year> I received an email from my bank, Citizens Bank, to notify me that my card may have been compromised and that they were sending me a new card to watch my mail for it. As I was alerted that something could be wrong I started to check my bank account multiple times a day to watch for fraudulent charges. On XX/XX/XXXX shortly after midnight I checked my account and saw XXXX charges that I did not do, XXXX was for {$590.00} to XXXX XXXX and the other was {$56.00} for XXXX Prepaid. Immediately after seeing these charges, that I did not authorize or make, I immediately froze my card on the Citizens app. At XXXXXXXX XXXX on XX/XX/XXXX, I called into Citizens to file a fraud claim on these transactions. I advised the agent that we have XXXX and XXXX vehicles and while we do have XXXX cell phones, they are not prepaid ( which is a different division of XXXX ). I had the debit card in question in my possession and the agent confirmed the transactions were done online. The agent who filed my claim told me I would receive an email with documents, which I never received. Today, my claim is closed and denied because for whatever reason Citizen 's claims since I do business with XXXX ( not XXXX XXXX ) that they denied my fraud claim. I did not authorize these charges, I do not have prepaid cellphones, I do not drive a XXXX vehicle, and my car loans ( on a XXXX and XXXX! ) are at a local credit union! I am out {$650.00} because Citizens doesn't understand the difference in cell phone prepaid vs normal contracts.
Product: Checking or savings account

Chase authorized a {$2300.00} payment that was a fraud payment and refused to refund the payment. They claim to have fraud protection yet in spite of them telling me my account was hacked and charged they withdrew the money from my account and refused to credit the amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that certain accounts be blocked and deleted from my credit report due to my identity being compromised as part of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the following fraudulent accounts and inquiries be permanently removed : Fraudulent Accounts : XXXX XXXX Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX - Account XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$4300.00} XXXXXXXX XXXX - Account XXXX in XXXX - Opened : XX/XX/XXXX - Balance : {$6800.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} Fraudulent Inquiry : XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX Account # XXXX Equifax account # XXXX From XXXX XXXX, 2015 I have written over five letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX 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, credit repair services, or other personal consumer reports

I have a fraudulent account appearing on my Experian credit report # XXXX. 
This item is an auto loan that i did not open here are the details on the item. 
Account : XXXX XXXX XXXX Account # XXXX I did not open this account this item is fraudulent and i submitted the proper reports to the FTC # XXXX and have attached said report. My information was included in the breach of data with XXXX and i believe this is the aftermath of that. I contacted the authorities and they could not help. Soon after i contacted the FTC and they could not help. I have attached a copy of my credit report and ID theft report. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Convergent Outsourcing about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I was made aware of a {$65.00} charge off that was reporting on my credit report by a " SW Credit Systems. '' I 've never had so much as a late payment on my credit report..ever. It was in the XXXX, and after this report it has dropped nearly XXXX points. So I contact this SW Credit at XXXX and spoke with an XXXX XXXX there. It took them forever to find my account, and stated it was a {$65.00} bill from XXXX XXXX?? I have n't had XXXX in about 2 years so I was very confused. I asked when they tried to contact me and I would 've paid them whatever they wanted before they reported it as a charge off and come to find out they sent one letter ( to an address I have n't lived at in years ) in XXXX. I asked if that was it and she said yes. 1 letter..over the course of 8 MONTHS. I asked her if she thought this was an appropriate amount of collections before sending it to charge off. She avoided answering the question and just read off a script, because anyone who is sane would know they answer is a most certain " No. '' I asked if we could come to some agreement where I would pay this mysterious {$65.00} bill and they would just remove this from my credit bureau. XXXX was emphatic that they have a no deletion policy. I then called XXXX at XXXX ( Collection Department ), where I came in contact with literally the rudest person I have ever dealt with in a business setting. She started yelling at me when I tried to get information on this alleged account I had, saying that I should n't have called there and I needed to speak directly with this Collection Agency that they sold my " debt '' to. She was trying to rush me off the phone from the 1st sentence. I asked if she could possibly assist me with this random 3rd party, possibly fax something to them. When I asked this, she literally yelled into the phone " WE ARE N'T GOING TO FAX ANYTHING TO ANYONE TO GET IF OFF YOUR CREDIT '' and actually hung up on me! I always remembered XXXX being very nice back when I had it, so I was astonished to come across someone so terribly rude. I 'm just so confused at this entire situation, I have a random 3rd party collection agency that has awful reviews reporting a {$65.00} charge off that I 've never been aware off but they claim that they sent ONE letter 8 months ago. When I try and contact the base company that my supposed " debt '' is with, I 'm met with rudeness beyond words. I ca n't believe I have been dealing with all of this, over a simple {$65.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

Wells Fargo allowed a {$XXXX} charge on my credit card that put me {$XXXX} over my credit limit creating a potential problem for my credit report, I did not authorize this payment but more problematic is that Wells Fargo would authorize a charge that put me XXXX  % over my credit limit, this was pure predatory finance intended to put me in a position of financial hardship with every increasing fees and penalties due to Wells Fargo, Wells Fargo should not allow any transaction ( Authorized or Un-Authorized ) to process that would exceed XXXX  % of the the card holders credit line, which immediately puts the users in an intential over-the-limit situation and creates dire financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accounts from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX OF XXXX XXXX Balance Owed : {$350.00}
Product: Debt collection

Recently, I read that you are investigating complaints against XXXX Bank. In XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then in XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX bank. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX Bank and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed addresses that do not belong to me. I need this fraudulent and incorrect information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Debt collection

XXXX called XXXX university  to have XXXX transcripts sent. Was told by the university that my debt has been settled and sold to Halloway Collections. Called Halloway and they changed the fees and impersonated a school official stating I wasn't able to get transcripts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  Re Account # XXXX, and, Account # XXXX. 
XXXX Now Account # XXXX, has violated my rights. 


15 U.S.C. 1681 Section 604 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.