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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX  xxxxxxxxxxxxxxxx XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REPORT Please urgently address the removal of unauthorized inquiries from my credit report, as they're causing me considerable distress and were not approved by me.
Product: Student loan

I submitted an application for the REPAYE ( now SAVE ) repayment plan on XX/XX/XXXX, XXXX indicating that I have XXXX dependents, am XXXX and do not file my taxes jointly with my spouse. This was submitted with mhy 2022 tax information linked directly from the IRS showing an Adjusted Gross Income of {$26000.00}. Based on the family size and income provided my estimated monthly payment should be XXXX, however MOHELA is charging me {$540.00} per month under the SAVE plan.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Student loan

This is in response to XXXX XXXX pathetic attempt at dealing with my complaint. their response to my cfpb complaint is a true example of exactly how inept this company is. They didn't response to even a single complaint I have. Their response is useless so I will try again until they actually do something. 

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also  emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX on my credit reports from XXXX and TransUnion. The discrepancies in the reported information are significant and misrepresent my credit history. I request the immediate removal of this account from my credit reports due to these inaccuracies. Below, I outline the specific discrepancies and the relevant Fair Credit Reporting Act ( FCRA ) provisions that support my claim. 

Discrepancies Identified 1. Date Opened : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX 2. Balance : XXXX : {$7700.00} TransUnion : {$0.00} XXXX. XXXX XXXX XXXX : XXXX : {$1300.00} TransUnion : {$0.00} 4. Last Reported Date : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX 5. Date Last Active : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Last Payment Date : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Issues and Impact The discrepancies in the reporting of the Date Opened, Balance, Past Due Amount, Last Reported Date, Date Last Active, and Last Payment Date indicate significant errors in the information provided by Upgrade. The differences in the past due amount, with XXXX showing {$1300.00} and TransUnion showing {$0.00}, are particularly concerning. These inconsistencies not only misrepresent my financial status but also potentially harm my creditworthiness. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The significant discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Upon notification of a dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If the reinvestigation finds the disputed information to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or modify the item of information. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute, furnishers must conduct an investigation, review all relevant information, and report the results to the consumer reporting agencies.
Product: Debt collection

On XX/XX/XXXX, the following company Fidelity Collections, claims that I opened an account with their establishment, owing currently the sum of {$61.00}. As of XX/XX/XXXX, the company continues to claim and report to all three credit bureaus, that I am responsible for a debt owed to their company. that I owe, as shown on my credit report. The following company, Fidelity Collections listed fraudulent claims of debts owed on my credit report, which are heinous, inaccurate, and false. This company claims that I currently owe the aforementioned amount, but has not provided proof of my entering into any legal or contractual agreement. According to the Fair Credit Reporting Act, this creditor is legally bound to provide accurate information. They are violating this legal ramification as I have no knowledge of this account, nor have I entered into any agreement with this company. This company should provide proof of debt owed, as well as provide the original document brandished with my signature showing that there was a mutual agreement entered if they can not provide this information. This inaccurate and false defamatory information should be removed immediately
Product: Checking or savings account

On XX/XX/2018 Usaa federal bank accessed one of my checking accounts and withdrew {$460.00} to pay for a loan in which they did not have authorization to access the account nor for that amount. I literally just got paid that day and they took it upon themselves to deduct these funds to " off set '' a delinquent loan. The loan is only in my spouses name and they have access to one of my checking accounts but the account they withdrew from they were not authorized to access nor are the funds in the account associated with the borrower. When I contacted the bank about the charge they refused to dispute the transaction or acknowledge my regulation E complaint and said it was just bank policy and they had the right to do it. Personally I find it unfathomable that a service provider believe they are entitled to arbitrarily access a consumers account just because they are a lender and depository institution should not empower them to impact me financially especially when a credit product is involved.
Product: Checking or savings account

XX/XX/year> The bank reached out to me due to a suspicious XXXX XXXX transfer to my account. I spoke with a representative and provided clarifying all information. They wanted to know if I knew the person and if they were either a family or close friend. I said yes. They stated the person who sent me the money the cell phone number did not belong to them in their research. Even after I confirmed I knew the person. They said the only way the transfer could be completed was if I either 1.Provided a phone number with my friends name or 2. Came into a physical branch with my friend with both of our IDs to confirm as well. Once the conversation continued I stated I was frustrated and annoyed how the conversation was going. The representative was being condescending up until this point as I was looking for more information on the process. I stated I was frustrated again with Capital One and would look into closing my account with them since the representative was being rude. The representative told me I just sent a 6 digit code to your phone, please read it back to me. I read the code back not knowing what it was for and then she stated my account is now closed. Now after speaking with the representative for 45minutes and confirming this XXXX transfer as well as trying to find a resolution to this issue. My account has now been shut after giving me multiple options to solve this. Right after stating I was interested in closing my account with them they closed my account on me. Giving me reason to believe they acted out of bad faith. I provided the cell phone number on a call after this to verify my friends info and my situation was already over from their standpoint. I would never want to bank with Capital One again after this. Having multiple credit cards and banking for many years. I will always gear others away from working with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I went to dealership to look into purchasing a vehicle. I noticed my wallet was missing. Later that day I discovered that the wallet was not inside my home either. I went immediately to check my credit and noticed there were all kinds of fraudulent activity going on my report. I immediately went to the police to report the activity I notice. I then began to send the credit bureaus the police reports and identify theft reports to get these things removed, and they never responded to me at all. These fraudulent activities are holding me back from purchasing a new home and vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Equifax 2 accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX  and XXXX XXXX XXXX. both opened in XXXX  ive tried disputing them over and over again. my only option after this is taking it to court.
Product: Credit reporting or other personal consumer reports

This is my new complaint to address the incorrect entries on my credit report. I am disputing these items as they are unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove all information from my credit file that has resulted from these erroneous entries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. These items are unknown to me and have been deleted from other credit bureaus. I have serious doubts about their accuracy, and the reported payment history on these items is baffling. As mandated by FCRA 605B ( c ) ( 1 ) ( C ), you are required to remove any items listed in ID THEFT REPORT # XXXX. This report was included in a previous correspondence, and I am enclosing it again. My attorney is aware of this situation and is prepared to hold you accountable for willful noncompliance.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent items on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit card

Synchrony Bank ( Lowe 's Store Credit Card ) Charged me a {$30.00} late fee. I did not know I had a balance and I have recently opted out of paper statements since they began charging. 

on XX/XX/year>, I called customer service and asked for the fee to be waived. They would not waive the fee. I believe the fee is more than they are even allowed to charge. XXXX very high fee for a {$52.00} balance. 

Mt statement states that " If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to {$41.00} '' How was this calculated.
Product: Debt collection

portfolio recovery XXXX XXXX XXXX XXXX, va. XXXX has a claim. on XXXX I sent a letter to stop contacting me on XXXX I received the certified return reciet. no. XXXX it was signed by XXXX XXXX I have been paying XXXX per month on account. they have resumed phone calls as of XXXX at XXXX am on XXXX of my phones. XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Notice on my Transunion credit report that a account that i never open is on my credit report. The company name is XXXX XXXX account number XXXX on XX/XX/year>. I believe this is a fraud account and I never open this account
Product: Debt collection

On XXXX XXXX 2017, I took my XXXX boys to their routine XXXX appointment at XXXX XXXX in XXXX, Fl. I 'm covered by two XXXX insurance companies : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have been bring my kids to XXXX XXXX for years now and have never had a problem. I 'm always told my balance before I leave which is always a XXXX dollar balance for XXXX and a XXXX dollar credit for me. However, about three months ago, I get a statement in mail stating I had a balance of XXXX dollars that is owe to them. I felt this was a mistake and due to my family and I moving to another state at the same time, I failed to follow up. I noticed about a month ago that the notices was coming to my new address which at that time I called XXXX XXXX to question them about the bill. I was informed that the rep. that would be able to help me is at lunch. I questioned, is she the only person in the billing department that can help me, I was informed that, everybody else is also at lunch. I then proceed to call my XXXX  insurance company. I talked to a rep. that informed me she would handle it because XXXX XXXX did not you the proper guidelines when submitting a claim. They are suppose to file the claim with my primary which is XXXX XXXX and XXXX XXXX first, then XXXX. She informed me that once they did that, they will pay the claim. She stated she would call them personally and talk to them about this. I actually got a call back from her stating she did talk to them and everything should be fine. However, yesterday XXXX XXXX, 2017, I get a letter in the mail from a collection agency stating that I have XXXX dollars debt that needs to be address within 30 days. I call XXXX XXXX personally and talked again to a rep. This time, the rep from XXXX informed me that he did n't see where I owed a balance, then he said wait, let me put you on hold. He got back on the phone stated he would have to call me back. I than in turn called XXXX XXXX and told the rep my issue at hand. She stated she would call them now and give me a call back. She called me back and informed me that XXXX was told again that they have to bill my primary first and told them to expedite this claim due to the fact that have not followed proper process of filing a claim. In addition, she sent them the guidelines to following a claim the proper way. I thank her and informed her I will never deal with XXXX XXXX again and I need them to send me my XXXX dollar credit because I will never use their services again.
Product: Debt collection

i dont acknowledge this account i never did open it at all i told them plenty of times my information was once stolen anyone could of open that account but it was not me