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

My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. 
I will file a police report soon to support this report, please block these item from my credit file.
Product: Credit reporting or other personal consumer reports

Ive noticed some fraudulent info linked to my identity. Some accounts and transactions have been wrongly tied to me, causing a lot of worry. Ive fallen victim to identity theft and have reported it. This issue needs quick attention as its harming my finances and reputation. I kindly ask for your help in quickly removing all false info from my credit report and thoroughly investigating this. XXXX ready to provide any needed evidence and, if necessary, take legal action to protect my rights and get proper compensation. I appreciate your immediate attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact 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
Product: Checking or savings account

My account was closed due to a computer/bank error, causing my benefits to be returned ( that I still have not received ) and did nothing to rectify the issue. They should have seen the issue the computer caused and re open my account. Or, at least notified me in a timely manner to fixed the problem. 

XXXX called Simmons Bank because I had not received direct deposit of my XXXX XXXX XXXX XXXX 
Told to call collections, my account had been closed and turn over to that department. 
XXXX collections, but they could no provide any valuable information about the collection account. Had not received any information on the account information. 
XXXX bank customer service to see if they could assist me any further. 
XXXX went in person to the main branch location ( XXXX XXXX XXXX, XXXX Mo XXXX XXXX. I spoke with ( XXXX XXXX XXXX XXXX XXXX ) about why my checking account has been closed. She informed me she would do some looking into it and get back to me. 
XXXX I called Simmons Bank XXXX XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX ) no answer. 
XXXX called Simmons Bank XXXX XXXX XXXX XXXX XXXX she was still working to find out why account closed. 
XXXXXXXX XXXX called me back to explain account was permanently closed on XX/XX/year>, due to bank/computer error that could not be reversed. 
At that time, I had not received any letter with any bank error details or closing of my account. 
XXXX received a letter dated XX/XX/year> stating I needed to bring account to a positive balance. Nothing about my account being closed. 
XXXX received a letter dated XX/XX/year> from XXXX XXXX XXXX about the collection of the account. 
XXXX I still have not received a letter from Simmons Bank in reference to closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all XXXX credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute XXXX item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success at all.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I did a same day wire transfer for the amount of {$240000.00} between my checking account in Bank of America and my account in XXXX. 

Bank of America claims that the money is stuck in XXXX XXXX, an XXXX  XXXX  for the transfer. BoA also claim that they have contacted XXXX XXXX to recall the transfer, but that they got a request for more information from XXXX XXXX. This information was provided last week and still have not heard from XXXX XXXX or BoA, and, in the meantime I am out of almost a quarter of a XXXX dollars for almost a month and the interest lost in my savings account at XXXX XXXX is in excess of {$500.00}
Product: Credit reporting or other personal consumer reports

Upon investigation of my Experian consumer report, I noticed an ex-mother in-laws address. I inquired to Experian via certified mail as to why this address is on my account and received no evidence as to how it is mine- they just updated the address as verified. 

This is inaccurate information and violation of my FCRA rights. 

The address listed on my file that is incorrect is : XXXX XXXX XXXX XXXX XXXX, Tx XXXX thank you, XXXX XXXX SS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy.

These names, numbers and addresses do not belong on my credit report. 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES:XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, AR XXXX NUMBERS XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX
Product: Consumer Loan

I applied for an auto loan online with XXXX, a Division of SunTrust Bank, via their advertisement on XXXX. They gave me the option to have my personal information forwarded to another bank in the event I was n't approved for their loan ; I denied the option. They did n't approve me for the loan, and made a " hard inquiry '' on my credit report which caused my credit score to go down. I knew my credit score before filling out the application. Why did n't they simply tell me the required credit score so that I could avoid the " hard inquiry ''? I suspect that they want people ( that they are going to deny ) to fill out the application so that they can earn a fee by forwarding their personal information to other banks.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private 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 {$5700.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX$26000.00} XXXX # XXXX XXXX XXXX XXXX {$3600.00} XXXX # E00120>>>>DPT ED/XXXX XXXX {$2000.00} XXXX # XXXX XXXX  {$3100.00} XXXX # XXXX INQUIRES : XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Venmo suspended my account stating that I violated their user agreement but didn't specify what violation I committed. I contacted Venmo support that same day and asked them for an explanation along with what I needed to do to remove the suspension from my account. 

XX/XX/XXXX - Venmo finally responds after I messaged them again and stated that they reviewed my account but it needs to be reviewed again by another team. They said it would take 6 to 7 business days or sooner for a response or update. 

XX/XX/XXXX - I sent Venmo a message asking for at least an explanation on what violation I committed. No response. 

XXXX - Sent another message to Venmo asking for an update. No response. 

XXXX - Sent another message to Venmo asking if I would be able to continue using their service after the review. No response. 

XXXX - Asked Venmo for an update. No response. 

XXXX - Sent a message to Venmo asking to see if I can withdraw the money from my account and close it out seeing that they still haven't responded. No response. 

XXXX - Asked again for an update from Venmo or a way to close out the account. No response. Started a new complain or ticket and they replied with no message and just sent my email back to me. 

XXXX - Told them that I would appreciate a response and would like to close out my account. Told them that they are holding on to my money and I have no pending transactions or any activity to warrant a hold. No response. 

XXXX - Started complaint with Consumer Finance in hopes that Venmo will finally respond to my communications and resolve the unwarranted suspension on my account.
Product: Student loan

Navient keeps placing my loan on forbearance. 

I have not asked for forbearance. I keep telling them i do not want to forbear my loan ... yet every month its placed on forbearance. Therefore they do not send me a bill and I miss payments and incur additional interest. I have called and sent them multiple messages. Additionally i just got my monthly statement to go online and pay.. and when i log in it says XXXX amount due! SO i fear my loan is foreboder again and if i make a payment it will not be allocated correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I noticed that was attributted payment responsability for an account with XXXX XXXX XXXX ( an installment loan account ) in wish I was never registered as a co-signer or directly involved. This erroneus information negatively impacts my credit score and creates an inaccurate representation of my financial history. Cosumer Reporting Agency have the obligation to ensure that all reported information is accurate and verifiable, I bilieve there has been an error in associating this account with my credit history, as there is no documentation to support any legal connection with me and this account. However i was never involved with or had control over this account, and therefor, I can not be held responsible for any late payment. If there evidence to the contrary, I request that clear and verifiable documentation be provided to support such a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending dispute letters to get one account deleted. They keep saying the account has been verified and updated with every dispute. The last letter I sent was a letter of verification. I wanted to know who and what all was verified. I also ask for copies of documents or a contract. Copies of first and last payments. Names of person or persons verifying everything along with their and phone number and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE tried to open a credit card at XXXX  XXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX XXXX on XX/XX/XXXX OR with CHASE on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in several inaccurate items being reported on my credit report. Despite my previous disputes, the following accounts continue to report negative and inaccurate information : 1. Capital One Account charged off with a balance of {$1200.00}. This account was opened on XX/XX/XXXX, and I did not authorize or open this account. No payments have been made, and I believe this is a fraudulent account resulting from identity theft. 
2. XXXX XXXX XXXX XXXX Account charged off with a balance of {$140.00}. I am listed as a joint account holder with another individual, XXXX XXXX XXXX, whom I do not know. This account was opened on XX/XX/XXXXXXXX XXXX XXXX and I have no knowledge of this account. It appears to be fraudulent. 
3. I XXXX XXXX XXXX ( XXXX Xfinity ) Collection account with a balance of {$110.00}, opened on XX/XX/XXXX. I did not incur this debt, and this collection account is fraudulent. 

I have already taken steps to dispute these items with XXXX, including filing a police report and placing a fraud alert on my credit report. Despite these actions, the inaccurate information has not been corrected.I request that these accounts be thoroughly investigated and removed from my credit report as they are a direct result of identity theft. 

Let me know if XXXX like to adjust or add any other details before submitting!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Double Jeopardy Inquiry on XXXXXXXX XXXX XXXX XXXXXXXX. Account/Burden of Proof Dear Sir/Madam, I am writing to formally dispute an issue regarding my credit report. Specifically, I am concerned about a double jeopardy inquiry related to my XXXX XXXX XXXX XXXXXXXX. account, which I believe has been reported incorrectly. 

Upon reviewing my credit report, I noticed that multiple accounts for the same XXXX XXXX XXXX XXXXXXXX. account appear in a manner that suggests duplicate or repeated reporting, potentially violating my rights under the Fair Credit Reporting Act ( FCRA ). This situation constitutes double jeopardy as it appears that the same debt or account is being reported multiple times, leading to an inaccurate representation of my credit activity. 

Details of Disputed Account : Creditor : XXXX XXXX XXXX XXXXXXXX. 
Account Number ( XXXX ) and [ XXXX ]. Which account is accurate? The burden of proof is on you. 
Date ( s ) of Inquiry : XX/XX/year>. Per the dispute center, this investigation was completed on or about XX/XX/year>. I have received stall letters in the mail totaling XXXX. No results of the investigation were sent. Demanding immediate deletion of the incorrect account and a check in the amount of {$1000.00} FCRA Violation sent in my name to the above address for failure to maintain TRUE, ACCURATE reporting in my credit profile.

Inquiry Description : Account reporting twice with different amounts and payment histories.

I previously contacted your bureau regarding this issue, but it seems that a thorough investigation has not been conducted or resolved. Therefore, I am requesting that you re-investigate the matter promptly. The duplicate accounts related to the XXXX XXXX XXXX  XXXX. account must either be verified or removed, as they are affecting the accuracy of my credit report. 

Under the FCRA, you are required to ensure that all information reported is accurate, and I respectfully request that you correct or delete any inaccurate or unverifiable information as required by law. If these inquiries are found to be duplicative or erroneous, I request they be removed from my credit report immediately. 

Please provide me with the results of your investigation and any corrective actions within 15 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this issue has been properly addressed and resolved. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I am a student loan borrower having troubles dealing with my lender. I initially received Stafford Loans after the year XXXX with the intention of joining the PSLF program and entering medical school. After completing four years of XXXX  school at XXXX University in XXXX AZ, I moved to XXXX to start residency training at Advocate XXXX XXXX XXXX. In XXXX, I consolidated my Direct ( i.e. Stafford ) loans and submitted my first application for IDR plan. In XX/XX/XXXX, I started repaying my loans after a short grace period. Each year, I re certified for IDR plans. And each year, I paid monthly, even if the amount was XXXX dollars, based on previously tax year returns. In XXXX, I realized my former application for the PSLF program never went through. Not to fear, the PSLF program was retroactive. I successfully applied for PSLF in fall XXXX and transferred my loans to XXXX in XX/XX/XXXX. Both my previous employer and current employer were qualified under the PSLF program. Each month following, I checked in with FedLoan Servicing to check on number of qualifying payments. Initially, I was told it could take up to 90 business days. Ninety business days came and went. I was later told, the process was taking longer than expected. In XX/XX/XXXX, I escalated my complaints to a FedLoan Servicing Borrower Advocate. I was assured that there was nothing I could do to expedite the counting and that I should continue to wait. I was never given a count on number of qualifying payments. Unbeknownst to me, they considered my complaint an " appeal ''. The following months, I was told that my application was in process, but no definitive count was given. On XX/XX/XXXX, I talked with a Advocate # XXXX. He told me that the appeal process can take up to a year. He also informed me that he would produce an email to expedite the appeal process. He finally told me that I had 8 qualifying payments under PSLF, the first count anyone has given me in 1 year! Stunned, I did not know how to proceed. He told me XXXX would notify me with a letter once the count was finalized. By my records and calculations, I have over 50 qualifying payments towards PSLF. I am getting frustrated calling each month and talking with a different representative, only to be given the run-around and no definitive answers.
Product: Credit reporting or other personal consumer reports

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.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report, which do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a student loan opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.