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

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO acknowledgement OF THIS ACCOUNT XXXX XXXX XXXX. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Product: Credit card

I contacted Amazon Synchrony to adjust charges made to my account. Typically I will take advantage of XXXX month interest free promotional offers, however I will also need to return some or all the items. I have contacted Synchrony several times, but charges keep showing up for items that I have returned and could be charged interest on if I do not make a minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX XX/XX/2008 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX  XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote and sent letters to Transunion credit reporting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have a public bankruptcy removed that was dismissed back XXXX went to the XXXX XXXXXXXX XXXX  received certified letter stating they are not reporting the dismissed bankruptcy to any credit bureaus because no money is owed on the dismissed bankrupt and I sent letter to Transunion on 4 separate occasions and I keep getting letters stating they have verified the bankruptcy and I went back to the court which provided me with another letter stating that is incorrect because they did not validate any bankruptcy with Transunion. And they still have not removed the incorrect public record from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit report has multiple Credit Inquiries I did not authorized as follows : 1. XXXX : Inquiry Date : XX/XX/XXXX 2. XXXX XXXX : Inquiry Date : XX/XX/XXXX 3. XXXX : Inquiry Date : XX/XX/XXXX 4 : XXXX : Inquiry Date : XX/XX/XXXX 5. XXXX XXXX : Inquiry Date : XX/XX/XXXX 6. XXXX Card : Inquiry Date : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX 8. XXXX XXXX XXXX OR : Inquiry Date : XX/XX/XXXX 9. XXXX XXXX : Inquiry Date : XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX I have tried to reached out to Experian over the phone to initiate a dispute on these credit inquiries but their phone line do not connect with an agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXX Account # XXXX or XXXX Type Collection Agency/Attorney Balance {$780.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Type Collection Agency/Attorney Balance {$950.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Type Collection Agency/Attorney Balance {$260.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXPhone : ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN37950Phone XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$150.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXXXXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$360.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 {$3400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX # XXXX 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
Product: Student loan

In XXXX, I received a letter stating that my XXXX application was denied. I provided proof that I have 4 years of XXXX XXXX. The letter stated that I did not make any payments. However, I applied for the XXXX and limited waiver, not the regular XXXX  program. I would like my application to be reevaluated under the correct program.
Product: Debt collection

I received a call by XXXX XXXX with XXXX XXXX. XXXX She told me I was being sued for credit card fraud and wanted to meet me at my home. XXXX XXXX was given to my home ) in order to serve me the lawsuit papers. She then gave me a phone number to call XXXX for the XXXX office. She gave me a docket number XXXX XXXX 
I called the number to check and verify. The man on the phone said gave me my address and XXXX #. He also gave my wife first name. He claimed that my fraud debt was with Bank XXXX and it totaled over {$11000.00}. He offered to reduce if I paid {$4000.00} now. I told him I did not have a card and did not owe. He then told me that that was too bad as XXXX would not be happy or safe. I hung up.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report.Please Remove these accounts from my report They are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

Being denied credit based off what Lexis Nexis is sending to companies that differs from the XXXX credit bureaus ( XXXX XXXX XXXX ). I did not give Lexis Nexis permission to have my personal information or share my personal information with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with Equifax and their investigation process. I have an account showing on my credit report with them saying that I have multiple late payments and this is not true. The card was with XXXXXXXX XXXX XXXX XXXX. When I try calling the credit card company noone is able to pull to me up in their system to assist me, so I am not not sure how Equifax can do an investigation in less than 24hrs, when I can't be found in the system at all. I have also asked Equifax for the name, email, or fax number of the person they reached out to that verified this information so I can talk with them and have them help me with this. I wasn't given any new information than what I current have now which is this number XXXX. So if this is the number they are using someone is lying to me. I do not have any late payments on XXXX or XXXX the credit card in question reported to all 3 major credit bureaus. I have also sent letter to XXXX XXXX XXXX XXXX and no one has ever wrote me back or got in contact with me on any way about my inquiry.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

Since closing this mortgage loan following a last-minute increase due to non-factual tax estimates, I have contacted the institution a few times and have presented actual tax bills concerning my property. This institution has ignored all of the documentation and continues to overcharge me for escrow taxes. Evidence of the miscalculation was acknowledged by the institution due to sending me an escrow refund payment in excess of {$2200.00}. I closed my loan in XXXX XXXX and received a refund of that large amount due to my REAL city tax bill. This institution continues to hold around {$500.00} additional dollars each mortgage payment despite my tax bill only being {$2000.00} per year until XXXX. The institution has not provided real evidence from the city of XXXX that shows any different tax amount and is distressing my quality of life unnecessarily! At this rate, if my escrow is not adjusted appropriately, I will receive a refund check close to {$5000.00}! 
However, those funds should be going towards my other bills! I am MORE than willing to call the city tax department with any representative from this institution on a third-party call so that I can listen the city communicate my tax bill to this institution! This credit union is being negligent, ignorant and utterly non-empathetic to myself as an upstanding member who has ( 3 ) high interest mortgages with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with
Product: Checking or savings account

OnXX/XX/XXXXI received checks with my name and address but a incorrect phone number - I called the Bank to let them know I did not open an account with them. The customer service rep that assisted me closed the account and advised me to report this to FTC and to check my credit and check if my identity has been stolen.
Product: Checking or savings account

I went to print my capital one tax form and noticed there was only {$1200.00} or so in income. I have approx $ XXXX in this account I was completely shocked to See the rate was less than 1 %. And it should have been in the 4+ % range. I am XXXX as it cost me approx XXXX in earnings.
Product: Debt collection

In accordance with the Fair Credit Reporting act Jefferson capital systems LLC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am a victim of identity theft. I am disputing this debt because this is not my debt as I am a victim of identity theft. I I request Jefferson capital system send me records stating the collection of this debt is mine, the balance, the complete payment history the charge off of the original creditor a copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.I have filed a police report. I also have filed a identity theft report.
Product: Checking or savings account

I have found out that there are many unauthorized Venmo transactions charged on my account, and also my debit card and phone number was linked to someone elses account, I have reported to Venmo and they said they cant do anything about it.
Product: Credit reporting or other personal consumer reports

reporting accounts are reported incorrectly. Payments are been reported as past due inaccurately. Updated info is not being updated to my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of fraudulent items on my credit file, marking my several attempts to rectify this matter. I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over nine attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection.

Despite repeated efforts to dispute and remove these fraudulent items, they persist, causing significant distress and detriment to my financial well-being.

It has come to my attention that despite my consistent attempts to resolve this issue, the fraudulent items remain unchanged on my credit file. These inaccuracies not only damage my creditworthiness but also pose a serious threat to my financial stability and reputation. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Checking or savings account

I received an email about my account closing on XX/XX/23 due to the info not matching on public record. Ive had this account for a yr and a half with no problems. They told me I would be able to access my funds until the closing date which is today XX/XX/23 however I was unable to do so. Today my other two accounts where closed while the account with XXXX was taking out my account but the transactions I have one says outstanding items close int w/o fee then theres another transaction that says loss prevention closing entry questions/ call
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries from equifax since XXXX  that I have not done, and this is damaging my credit.
Product: Credit card

I was revoked my XXXX credit cards by CHase and there are still many fraud charges not credites back. I request CHase to give me and re activate my credits or let apply to new ones without this negative history being considered in the process of opening a new card and applying for it. I also request Chase to refund me the XXXX dollars they still owe me.
Product: Credit card or prepaid card

upon logging into my Wells Fargo business checking account I was redirected to a page saying I was Pre-approved for a XXXX credit card from Wells Fargo. It clearly stated pre-approved not pre-qualified. I called them up and they proceeded to try and claim that it said pre-qualified not pre-approved. When I was adamant, the rep then very suspiciously asked whether I had proof or not. He then said to email him whatever I had. 

Based on the advertisement I received i applied for credit, which then had a negative impact on my crdit score. Had I known I was only prequalified I would not have filled out the application.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXXXXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXXXXXX XXXX XXXX [ XXXX ]
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is disputing the validity of an alleged debt that you are attempting to collect.Under the FDCPA.I request that you provide validation of this alleged debt. Including the following documentation. 
A copy of the original purchase agreement. 
Documentation showing the original creditor and the agreement signed by all parties involved in the transaction. This documentation is necessary because I have been contacted by multiple companies regarding the same alleged debt. This raises significant concerns regarding the legitimacy and accuracy of the claim. In accordance with my rights under the FDCPA and FCRA, I also request that no further collection activities take place, including reporting this alleged debt to credit reporting agencies, until you have provided sufficient documentation to validate the alleged debt. This inaccurate reporting has cause humility and harassment to my family.
Product: Credit card or prepaid card

Since Hurricane Maria, I had financial problems. I have tried to make payments, but it is abusive that they are calling Sunday to try to make payments
Product: Student loan

On XX/XX/year> the XXXX XXXX borrowers sent the Department of Education the XXXXXXXX XXXX white paper, XXXX Lies : How XXXX XXXX XXXX and XXXX XXXX XXXX Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by XXXX borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by nine organizations including the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and 1,035 XXXX students, faculty and staff collectively recommends the broad cancellation of all XXXXXXXX XXXX loans. 

I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them. 

I was dependent on the loans for both tuition and living expenses. Due to being on a XXXX XXXX at the time of the closure and XXXXXXXX XXXX  parent company stealing our loans, I found myself without a job or income. This led to being able to be unable to afford gas, food, dog food, and rent. I subsequently had to max out my credit cards and take on more personal debt. Due to that lack of income, I ended up not being able to pay my monthly minimums and had a substantial drop in my credit score, which I am still suffering 5 years later from this drop in credit score. 

This is in addition to XXXX having : Lied about graduation rates, job placement rates, and potential salaries upon graduation ; Lied about available grants, scholarships, and financial aid ; Enrolled students regardless of their qualifications and ability ; Failed to properly inform students about loan options available and the differences between federal and private student loans; Misled students about the actual total costs of education ; Misled students about accreditation and the transferability of credits.
Product: Credit card or prepaid card

On  XXXX   XXXX , 2017, I received a letter from Discover Card 's Customer Protection Service department. The letter was in reference to the closing of my credit card account.
The letter stated Discover was closing my Discover credit card account based on their normal account review procedures. In addition, their credit decision was based in whole on the information found on my account. Discover did not specify what information found on my account lead to the closing of my account.
Discovers reason for closing my credit card account is ambiguous and has no factual reason or good cause to close my account.
My account has been opened for 2 years and I have demonstrated excellent on time payment history. I have no negative credit history with Discover Card.
The true reason my account was closed is, because of my age. I am  XXXX  years old and Discover discriminates against senior citizens.
I have a excellent payment history Discover had no reason to close my account.