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

Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$720.00} XXXX XXXX {$740.00} XXXX XXXX {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX A {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX County Sheriffs Office ( XXXX ) XXXX Deputy XXXXXXXX XXXX XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX DOB : XX/XX/1984 SSN : XXXX
Product: Credit card

Barclays bank Delaware opened a credit card in my name without my knowledge. 
This card was opened on XXXX XXXX.
Product: Credit card or prepaid card

I am the primary card holder of a Citibank Double Cash credit card which was opened in XXXX of 2018 with one additional authorized user. On XX/XX/2018, I called Citibank to remove this authorized user and get a new number. I was issued a new number and the other user no longer had access to the account. On XX/XX/2018, the previously authorized ( now unauthorized ) user provided the old/original credit card number to the gas company ( XXXX XXXX ) and set up an autopay which charged my credit card on 7 different occasions ( for a total of {$560.00} ). 

Citibank first denied my claim for fraud/unauthorized use because according to them if I have ever had interactions with this merchant in the past ( even on a different property ) then they automatically deny the claim of fraud. I was not contacted but rather just sent a letter saying my claim was denied. I called back and they re-opened the investigation. Citibank ( apparently ) contacted the merchant who had 45 days to respond. The merchant indicated they had been provided with a number which was cleanly processed by Citibank so there was nothing they could do. 

My name is not on the XXXX XXXX XXXX account. The now unauthorized user is the only user on the gas account. I am the only user on the credit card. It would be impossible for me to pay this account with my credit card as I don't even have the XXXX XXXX account number ( and they won't give it to me ). Citibank should not have let him provide the old credit card number and it process through for 7 months. 

I called Citibank a third time and they said they have no record of my original number in their files and they would have it even if I had closed the account 10 years ago and that it was my fault for not getting a new number when I removed the unauthorized user. I have monthly statements that have the original number on them and then the new number appears on the XX/XX/2018 statement. I have offered to provide them with the statements that have the original number on them and show that I got a new number in XX/XX/2018 and they declined for me to submit that evidence. They also indicated that perhaps I wasn't clear about the unauthorized user being removed. I asked for them to provide the transcript from my phone call on XX/XX/2018 and they would only provide a transcript with a legal subpoena. 

I have now been continuously re-opening my case for over 2 months because they keep closing it without understanding the facts. I did everything I was supposed to do - I called, removed the user and got a new card number. What else would be required for me to prevent unauthorized use of my card going forward?
Product: Credit card

The company approved me for a check and savings along with XXXX credit cards. In a matter of XXXX to XXXX  months chase closed my accounts with no explanation. When I called to ask they could not give me an explanation. They expect me to pay for charges on a card I am not able to utilize and still charge me interest even though the company closed the account. This was not properly investigated or acknowledged.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 i requested my items be updated and fixed on transunion and im currently waiting for a response.
Product: Credit card

I had a {$5000.00} credit limit with TD Bank for over 10 years. I was late on paying my account and they lowered my credit limit to {$500.00}. That lowered my credit score and now looks bad. I was n't even 30 days late.
Product: Credit reporting

There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year XXXX.
Product: Student loan

I have been paying on my student loans since XXXX with Nelnet. My balances have barely decreased. When I requested a payoff schedule with amortization that shows exactly how my payments are applied and when my loans will be paid off, I was told they do not have that information. I believe I am entitled to know when my loans will be paid off! The website is not helpful as no document, nor dashboard information, shows the exact date when my loans will be paid off. I also see zero information as far as the amount in total I have paid to date. I have been paying on these loans since at least 2010 and I have no information as to when I will be through with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX Balance : {$370.00}.
Product: Credit reporting

Equifax is reporting a closed collection account as an open status collection. The account was included in a Chapter XXXX Bankruptcy and the debt was discharged. This open account status is harming my credit score for having XXXX open collection. I religiously review my credit on credit karma.com. I have disputed the status XXXX or more times in the past 2 years, called Equifax and complained & contacted the creditor, XXXX XXXX. When I called Equifax , I was told to open a re-investigation, call the creditor, & that the included in bankruptcy & discharged status is a closed account status yet Equifax will not report it that way. I have received tons in credit denials because of this open collection that is not open. The problem lies with Equifax. They report all of my other collections or debts included in the bankruptcy as closed status accounts. They also are reporting accounts 7-10 years old. This account shows {$0.00} balance. The account status should report correctly as a closed collection account. The other credit bureaus report this account information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card Company must have change name to XXXX XXXX Date open XX/XX/XXXX Amount XXXX fraudulent account identity theft unknown person open account using stolen identity to obtain credit card account in my name account was supposed to be deleted back in XX/XX/XXXX from XXXX XXXX attached is letter stating XXXX will delete account because it's a fraudulent account
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXX XXXX XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ).

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth.

A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 


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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Mr. Cooper as the result of receiving an offer letter to improve my current mortgage rates or seek equity credit. During the call, I spoke to a XXXX XXXX, XXXX ( the last name not given ). XXXX assured me he would only do a " soft '' inquiry and I specifically said I did not want any hard inquiries on my credit report. He researched what he could do for me, lowering my mortgage payments, line of equity and we concluded there was no offer I could take advantage of at this time, so we hung up. Two hours later my credit monitoring service reported a " hard inquiry '' hit XXXX   and then XXXX. I confirmed by logging into XXXX and XXXX. The hard inquiries also hit my wife 's ( XXXX ) credit report. I immediately called Mr. Cooper back to speak to XXXX, they transferred me to his extension where I left a message reporting my complaint about the hard inquiry and requested it be removed. I called XXXX 's direct line ( XXXX ) again on XX/XX/XXXX stating the same complaint and request to remove. On XX/XX/XXXX, I called Mr. Cooper and filed a complaint with their customer support department. The hard inquiry is still on my credit report and I have not heard back from Mr. Cooper or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been informed when I started myForbearance Plan that my credit score will not be affected. This has also beenwritten in your Forbearance Plan that credit scores will not be affected.

The Credit Bureau has informed me recentlythat my credit score has been impacted and lowered severely because of my Mortgage loan ( ForbearancePlan ).

I am disputing what happened, and I was hoping you could help me restore my credit score as it used to be because this doesn't seem right and not fair.

Please, I am looking forward to helping me resolve this matter by contacting the3 Credit Bureau ( XXXX ) as soon as possible. 
Regards XXXX XXXX LOAN # XXXX
Product: Debt collection

This debt was originally sold by XXXX to a company called XXXX   XXXX XXXX. I set up a dispute via XXXX and this debt was deleted in February of 2019. The original dispute report number via XXXX  is XXXX for $XXXX. This same debt was then given to a new collections company called Online Collections. I set up a new dispute via XXXX and lost that dispute. This collections account is only showing up via XXXX at this time.
Product: Student loan

Good morning, I am disputing the 90 day past due noticed with Great Lakes the loan provider for my student loans. I am current with my loans and was going through the Income Driven Repayment Plan process due to a change in income and the amount of the payments had increased to approximately {$660.00}, between one year of IDR to this new year. I would like to have the 90 day past due amount corrected on XXXX, XXXX, and XXXX consumer reports. Great Lakes stated that they have sent the update to the three companies, although at this time I do not see any change. I am on the Income Driven Repayment payment option and my next payment is due in XXXX. 

I look forward to correcting the 90 day past due amount and moving forward with the adjustment on my credit report. Thank you very much for your time and assistance. This is truly important to me and my family as we build toward our future.
Product: Student loan

I an not signed up for paperless billing. I have had issues with the company 's online payment system ( showing incorrect information vs the paper billing ) so I want to send my payments in via check ( the only fee free method outside automatic recurring payments ). The company does not always adhere to requirement to create the bill 21 days before the due date, and furthermore, does not send the paper bills out until much later even when they do stick to the 21 day rule. This is the ONLY bill I routinely receive too late to pay. My loan is due on the XXXX of each month. It is the XXXX and I have not received my bill. This happens nearly every month. The earliest I can hope to get the paper bill is the XXXX, but that has only happened a few times. Usually it arrives between the XXXX and XXXX, even though it should have been printed and mailed to me around the XXXX ) If I'm available, I can put it back in the mail immediately, and it will be picked up the next day, but the mail service then usually has less than XXXX business days to get it back to the company. I reached out to the company on more than XXXX occasion to try to find out why ( once they were able to waive the fee to pay a single payment over the phone, but I was advised that I should just set up automatic payments and then cancel them after the payment goes through so it will not recur the charge the following month - I have used this strategy twice already, but I'm tired of dealing with it. I would very much like to never log on to their website again after how badly that has gone in the past. ) The customer service reps I have talked to were not able to answer the question and seemed to think it was probably the fault of the mail service ( however, this is the ONLY bill this happens with. My credit cards do not have a single issue getting me a paper statement approximately 5-7 days after it's printed. ) I believe the company is not doing their due diligence in this manner because they are hoping people will not get the bill on time and be forced to pay late fees or transactional fees for making payments.
Product: Credit card or prepaid card

I paid {$3500.00} to XXXX XXXX to provided website activity to sell books on XXXX. Was shown a XXXX video presentation how to sell books online " Business and cost '' I was told I would get support, and 2 software to access for XXXX sales ( arbitrage ) and trades and no further cost involved to start the business except for buying books. After accessing member area stipulations are different, must follow training for 1st 30 days, training videos are outdated from 2017, mentoring cost, other vendors fees, plus their offer refund policy 90 days double money back guarantee with weekly purchased of 4 books per week. After 6th day of watching outdated training videos, I wrote to ( XXXX XXXX XXXX | XXXX - Support Team XXXX ) about the training videos, and i ask for a refund and XXXX said i can not get back any money he insisted to keep with program that i dont want to continue anymore this is very difficult to folowing, that's why i wan na may money back. it looks like a scam to me, then is not responding any emails. I just want they refund the money. I contacted my credid card ( best buy city bank ) but they say i canceled it too late, but this is whog because i did cancel after 6 day, i called citi bank again they dont want to deal with this. 
Please help me, there is others with the same situation, this book trade company dont care about it. there is lots of complaints on XXXX XXXX XXXX 
than you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made.

I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character
Product: Payday loan, title loan, personal loan, or advance loan

Was desperate and needed cash because I had been sick and my son lost his job to physical problems. I was living on a fixed income and having to support my son also. I was looking for a part time job to help pay for this. I only borrowed {$4000.00}. The payments were {$440.00}. Which I thought I could handle. I made payments sporadically as I could afford. The payback was over {$7000.00}. They came back with an offer of a non interest loan with a payback of {$8000.00} and a lesser payment. I couldnt afford to lose my car so I agreed. I have been paying approximately XXXX XXXXXXXXa month since then because it was all I could afford. Now they are threatening repossession again. I dont know how I can pay more at this time. My son is able to work again and maybe I can catch it all up. The payback is my complaint. How can they charge all that interest?
Product: Vehicle loan or lease

I am writing to file a complaint against XXXX XXXX XXXX XXXX, located at XXXXXXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/year>, I purchased a XXXX XXXX  XXXX XXXX XXXX from this dealership. 

During the purchase process, I was not informed about a per diem interest charge that would be added to my loan. This interest was not included in the initial contract I signed. I only became aware of this charge when I received the final payoff quote after the car was deemed a total loss after a wreck. I have paid over {$16000.00} to date on the loan. 

The failure to disclose this significant fee is misleading and deceptive. It directly impacts the overall cost of the vehicle and the terms of the loan agreement. This lack of transparency is a violation of fair business practices. 

I believe this practice by XXXX XXXX XXXX XXXX is unfair and deceptive, and it violates the Truth in Lending Act. I request that the CFPB investigate this matter and take appropriate action to hold the dealership accountable.
Product: Credit card or prepaid card

Sometime last XX/XX/, I inquired with WellsFargo about balance transfer through my mobile phone. However, I was surprised to received a letter from said bank last XXXX XXXX XXXX, that a balance transfer was made and was paid to XXXX  in the amount of {$3700.00}. I called the bank many times that I dont know what is that XXXX  company, cause I never have an account with XXXX. 
But the people in the bank insisted that its mine. So I hired a credit company based in XXXX, and they were able to contact XXXX, asked them whose account is that. XXXX  told them its not XXXX XXXX account. 
I kept on asking the bank whose account did they paid in XXXX. But until now, they wont provide me the name. 
I am sure that I have all the rights to know, whose account they paid, because the bank charged it to me. To no avail. 
Now, the bank is destroying my name by reporting it to the credit company. 
Somebody in the bank used my credit card account to pay their bill. 
The amount is not big. But my point here is its not my account. You can inquire from XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, if I miss any payment with them. And the answer is never. Please help me with my problem with Wells Fargo.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, and XXXX are violating my consumer rights! I am speaking with legal council at this point because I am tried of going back and forward about their inaccurate reporting on my credit file. They keep sending me stall letters! This inaccurate information needs to be immediately deleted from my credit file within 24-360 hrs.