23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the misuse of my personal information within the United States in XX/XX/. 
I am XXXX XXXX XXXX, an international lawyer and consultant who has not resided in the United States for the past 12 years. Regrettably, it has come to my attention that identity thieves attempted to exploit my documents within the aforementioned timeframe. I am reaching out to formally request the removal of my name from any local and international agencies to prevent further misuse of my identity. 
I wish to emphasize that, as an international legal professional, I have maintained a clean record, and I have never been associated with any suspicious money transactions. The misuse of my personal information is a matter of great concern, and I am taking immediate steps to rectify this situation. 
To facilitate this process, I kindly request your assistance in expeditiously removing my name from any databases, records, or documentation related to the aforementioned identity theft incident. I am prepared to provide any necessary documentation, such as a copy of the police report filed in connection with this matter, to support this request. 
I appreciate your prompt attention to this matter and anticipate your cooperation in ensuring the swift removal of my name from any pertinent records. 
Should you require any additional information or documentation, please do not hesitate to contact me at my email I have only a XXXX XXXX XXXX XXXX Florida to receive correspondence. 
Thank you for your understanding and cooperation in resolving this matter.
Product: Checking or savings account

USAA locked my accounts on XXXX and said they needed to verify my identity by receiving a picture of my ID. Within minutes I submitted both front and back copies of my license. They have continued to lock my accounts for 4 days without significant reasoning. I have provided everything they have asked for. I have submitted ID pictures, social security, pin codes, everything they have requested. I can not access my funds and am missing payments and this is extremely impacting my health and well being. Please help me resolve this quickly.
Product: Credit card or prepaid card

I applied for unemployment in XXXX. I was told it would be 5-10 business days from when my card would be delivered. After a month of no care I called during spring break, XX/XX/23, to see where my card was. I was told it was just sent out that day and would be 5-10 business days. It is now XX/XX/XXXX and I still havent received anything ; I try using the hotline to speak to a live person and the hotline changed so no person is accessible, there is literally no option to speak to a customer service agent and the automated number hangs up on you. I am beyond livid with this way2go program that Florida forced me into. I pf it wasnt for the kindness of others I would be starving in a ditch thanks to the ineptitude that is Floridas unemployment program and way2go horrendous policies.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. After reviewing my consumer report, I noticed there is an inquiry on my consumer report that I do NOT recognize. Every time I review my report, it's saturated with inaccurate and misleading information. I sent Experian a letter on XX/XX/year> and I have not received a response whatsoever. They have a grave responsibility to report accurate information and in this case they are NOT. That is a violation and according FCRA, I am entitled to compensation up to {$1000.00} PER VIOLATION. I know my rights as a consumer and will sue your company for constantly violating my federally protected rights. According to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is violation. I DEMAND REMOVAL OF THIS INACCURATE INQUIRY IMMEDIATELY. This unauthorized inquiry has been detrimental to my XXXX XXXX and overall financial well-being.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Student loan

I want to see if there is any way I can qualify for the  Public Service Loan Forgiveness Program.    I consolidated my federal student loans in  XXXX . I have made income based repayments since that time and have been continuously employed by state government since  XXXX . When th e PSLF was  enacted in  XXXX , my loan servicer did not make me aware of the PSLF program. Had I been made aware of the program, I could have reconsolidated my loans into  a Direct Student Loan and w ould then be eligible for forgiveness of the remainder of my loan in  XXXX ,   XXXX  . I believe it was unethical for my loan servicer to withhold this information from me and, with the help of the cfpb, I am hoping all those borrowers in my situation will find relief - either directly through the PSLF program of by holding our loan servicers accountable. Please let me know how you can help and what other steps I can take. I have about {$80000.00} in outstanding  XXXX  school loans which would be eligible under this program.   Thank you!
Product: Credit card

I XXXX XXXX XXXX XXXX XXXX XXXX am of XXXX XXXX, XXXX hands, and XXXX mind. I XXXX XXXX XXXX XXXX XXXX XXXX am a Private XXXX National/State Citizen and Power of Attorney in Fact of the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I am entitled to an Article XXXX XXXX, XXXX XXXX, and XXXX. I am Entitled to Full Faith and Credit on the State and Federal Levels, Officially. My Full Faith and Credit document ( XXXX ) are attached. I am entitled to Full settlement and closure in a XXXX of XXXX if necessary in this commercial matter. My security interest is Non-Transferable, retained, and claimed. See attached XXXX ( XXXX ) and document ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft WSLFRG XXXX NA Account Number : XXXX This is not mine. 

6. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default for XXXX XXXX XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Product: Debt collection

Well, I was getting mail saying that I owe on the car repo so I call the loan company and they said that someone came in and got a auto car in my name and it wasnt me. I told him that my information was leaked in the data breach in XXXX and this happened in XXXX.
Product: Checking or savings account

I have XXXX kids  and no income right now. I do not have any food for my child at this point. No breakfast or lunch for them. I put in a request for a hardship on XX/XX/XXXX to get my money out of an account that bank just closed down with no warning. Its a little over {$300.00} but it will get my kids the food and gas money we need til I get paid. I am a teach and dont get paid in the summer so I wouldnt bother to do this if the money wasnt very important right now. On XX/XX/XXXX they told me it can take up to 10 days to get a response. Today is 10th day and still no response even after managers many emails. This is inhumane
Product: Mortgage

In XX/XX/XXXX I took out a loan with XXXX XXXX dba XXXX for $ XXXX. Since then I have made all my payments on time that have not been sent to the Investor/Beneficiary XXXX, XXXX, XXXX XXXX, TRUSTEE, XXXX TRUST according to them. Recent cases have stated that the Trustee XXXX XXXX  must inform me in detail of all payments made since XX/XX/XXXX to my loan, including those from XXXX XXXX  XXXX XXXX XXXX. They has been misapplying my average payment for {$2000.00} usd per month and not posting the correct amount to Principal which leads me to believe this is all fraud on the Bankruptcy court. Sometimes they post {$540.00} to Principal and sometimes {$460.00} which is absurd. Also the charge me fees and costs which I know nothing about. I went through a divorce in XX/XX/XXXX and filed for Federal Bankruptcy Protection in XX/XX/XXXX and have made all my post petition payments as agreed since then, but they have posted them to my pre-petition payments which are being made directly by the Trustee. I request that the CFPB audit this loan asap.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Santander, 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 bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : XXXXSANTANDER ACCOUNT NUMBER= XXXX OPENED XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer XXXX credit report, which includes the aforementioned bogus account. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX  as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Product: Debt collection

RPM has never proven to me with any kind of statements that I owe anything. I returned the car XX/XX/XXXX. I have requested via registered mail for them to validate this claim that I owe anything with proof, which they have never done. They did not provide me with their license to collect a debt in California either! ( XXXX  XXXX ) I have my bank statements to prove my payment history. It also proves that they are trying to charge the wrong amount too. I never received anything from XXXX XXXX about any amount owed after I returned the car and that was well before they sold all our info to this disreputable collection agency ( sometime in XXXX, I believe ). I would really like some help in the matter because this is unjustly affecting my credit score. It's not a large amount but I do not owe it. It is the principle not to harass and try to take advantage of people by threatening innocent people 's credit scores with phantom debt. I do not know why they are trying to charge me some ambiguous amount that makes no sense at all and is completely ignorant of the facts. RPM has never told me in which weeks I was allegedly delinquent for -or why the amount differs from my weekly rent payment. They do not know anything as to the terms of my lease either because they simply do not have the information and I believe are falsifying information to collect phantom debt. 

I have attached my payment statements which were auto-drafted from my account until the point at which I canceled my lease with XXXXXXXX XXXX  and they collected the {$250.00} deposit and collected the car. 


I have tried numerous times to correct this false debt being put upon me and it has been exhausting. This company is very unscrupulous by robocalling and never answering the phone when you try to call them. 
I do not owe anything and it is a phantom debt brought about by bad bookkeeping from XXXX XXXX to XXXX XXXX This will turn into a class action lawsuit, that I am sure of.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong information I never lived in Florida and my driver license wasn't revoke and I never had violation of probation. Dates of offense XX/XX/1990
Product: Credit card or prepaid card

Victoria Secret decreased my credit limit on XXXX XXXX from {$650.00} to {$100.00} without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with XXXX to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX because of my spouse death. before his passing we were never late. The bill was paid in full by the state of XXXXinancial Controller and cleared. Hopefully that should come off my credit in a timely manner. I have tried XXXX boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.
Product: Debt collection

Listing account as open, charged off by original debtor XXXX XXXX, last, last payment XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX There should only be one address in my report, which is : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXXXXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is : " XXXX XXXX '' " XXXX XXXX  XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Checking or savings account

As of XX/XX/2023, I have received no documents from Bank of America with all of the Accounts they opened as me or my business over the last 7 Years. I submitted a request on XX/XX/2023 for this information on the CFPB website. On XX/XX/2023, the CFPB notified me that the " company sent its response directly to you and provided a copy to the CFPB '', however, the documents have never been sent to me by mail or email. The none response to the original CFPB complaint is outrageous and should be investigated by the FBI. I have evidence that multiple accounts were opened by employees at Bank of America and attributed to me that I actually never opened and whereby I do not have signature cards and agreements. This is Bank Fraud. It is highly suspicious that Bank of America Officials provided banking account information directly to the CFPB and the CFPB in turn told me that Bank of America would be sending me this information. It has been over 3 Months later I have received nothing. The phone number provided by Bank of America in CFPB Complaint XXXX listed as ( XXXX ) XXXX XXXX is a non-working automated phone number. Please have Bank of America send all Accounts, Statements, Signature Cards, and Agreements open for XXXX XXXX, and my Companies, XXXX XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. There appear to be bank accounts and credit cards associated with me and my companies I have not approved or authorized. This is Bank Fraud, Identity Theft, and a serious financial crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly late payments in XXXX, 2019 for the XXXX XXXX partial account number # XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I made two consecutive payments in XXXX and my regular scheduled monthly payment in XXXX which brought this account caught up and current to date. These late payments should not be reflected on my credit report. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Product: Credit reporting

This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If XXXX of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.