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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax Credit Bureau to dispute inquires that I did not authorize on my credit report. I received a response stating the credit was accurate when I did not make these authorization. Further The credit inquire with XXXX was definitely not made as I have a deposit with their company for refusing to have my credit pulled. 

Following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, In reviewing my credit report I see that Chase/Amazon Credit Card is reporting a late payment in XX/XX/XXXX. However, during this time I moved residences and called the company twice to have my address change. In the chaos that ensues when one moves homes I did not recieve my bill. In fact they company never changed my address as requested. I have been trying to resolve the issue with Chase directly but I also recieved an email from a customer service rep stating that I signed up for paperless statements in XXXX. I NEVER consented to paperless statements. In fact, in XXXX I was only XXXX and still living with my parents, why would I need paperless statements? Additionally, as I stated up until XXXX and even now, I still recieve paper statements so I am not sure why they are saying that I was receiving paperless statements. I was never late prior to XX/XX/XXXX and I have never been late since. It was an error made by the company Chase for not changing my address. Therefore the credit reporting is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information submitted with experian. checking my files ive noticed alot of errors an disputed all items listed. this has been an on going issue that needs to be resolved. please review an remove the listed items to clear my credit report asap.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) and request assistance with a credit reporting issue. My student loans, previously serviced by Aidvantage, were forgiven on XX/XX/scrub> 2024, under the Biden Administration 's student loan forgiveness program.

Despite the loan forgiveness, Aidvantage has incorrectly reported my account as 120 days past due to the three major credit reporting agencies ( XXXX, XXXX, and XXXX ). This error has caused significant harm to my credit scores and reports. 

I request that the CFPB investigate this matter and take appropriate action to correct the error. I have attached a copy of the loan forgiveness notification highlighting the error.
Product: Debt collection

According to the Federal Trade Commission ( FTC ) I am a victim of identity theft. 
Uniformed Commercial Code UCC 3-305 ( c ) Pursuant to UCC 3-305 ( c ) a holder in due course ( such as the credit bureaus ) can not assert the rights of a person against whom the defense of fraud is available. Therefore, these inquiries, which are fraudulent in nature, must be removed from my credit report as I did not authorize them. 
Fair Credit Reporting Act ( FCRA ) Section 605B : 1. 15 usc 1681 : section 604a 1. Name : XXXX XXXX Account : # XXXX 2 Name : XXXX XXXX  Account : # XXXX 3 Name XXXX XXXX XXXX XXXX Account : # XXXX
Product: Credit card

XXXXXXXX XXXX Enter in XXXX XXXX XXXX / Cabela 's Was in the process of purchasing a product_ XXXX XXXXXXXX XXXX XXXX agent offers a discount for the day by applying for XXXX XXXX XXXX Credit Card XXXX underwriter _Capital One. 

Lifted my credit freeze. 

Submitted all information through handheld tablet_asked if I wanted to add a authorized user_I did my dad_ we verified all information_took photos of the application for verifiable proof_XXXX XXXX XXXX employee checked our State Issued Driver License ; was waiting in the store for 2 hours as application showing pending_Left the XXXX XXXX XXXX with application status still showing pending after 2 hours. 

Next day checked my credit report and my dad credit report Capital One had done a hard pull on both credit reports. 


1 week later _ no credit cards received 2 weeks later _ no credit cards received 3 weeks later _ no credit cards received 4 weeks later _ Logged into Capital One Credit Card site. 
My XXXX XXXX Credit Card icon ( XXXX ) was showing up online. 
My XXXX XXXX XXXX Credit Card icon ( XXXX ) was showing up online. 

I selected to make a online purchase with XXXX XXXX XXXX virtual card.Clicked Get Your Virtual Card_ No information was showing for the virtual card. 

Called XXXX XXXX XXXX to inquire about credit card_ response was too call Capital One XXXX XXXX XXXX Card Holder Services . 

XX/XX/ I called Capital One to inquire about the status of XXXX XXXX XXXX Credit Card and the Virtual Card information not showing. 

Capital One stated I should be seeing the virtual card information. 

Capital One stated we need to verify who you are, by requiring additional information. 

1 completed the application online at XXXX XXXX XXXX. 
2. XXXX XXXX XXXX verified the information along with my state ID and my dad state ID. 
3. I took photos of the application before being submitted. 
4. Capital One did a hard pull on my credit report and my dad credit report.

5. Capital One already has issued my XXXX XXXX Credit card for over 3 years now. 

Capital One stated you can send the requested information XXXX of XXXX ways. 
1. Mail 2. Fax 3. secure site by email link. 

I requested Capital One to send the email link with the secure site. 

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Capital One send the secure link to upload copy of state ID front and back. 

XX/XX/ Capital One site now shows. 
XXXX XXXX XXXX virtual card icon ( XXXX ) show up on Capital One site. 


XX/XX/ No Credit Cards received I selected to make a online purchase with XXXX XXXX XXXX virtual card ( XXXX ). 
I clicked get your virtual card information available. 
No information showing to make online purchase. 

Called Capital One. 
Capital One said the virtual card information show be showing. 
I said I took photos show the virtual card information is not showing. 
Capital One said, they still in the process of determining who you are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. 






XXXXXXXX XXXX XXXX. XX/XX/XXXX {$1600.00} Sarma collections XX/XX/XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX  and XXXX with no successful resolution. Equifax, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Drove OUT OF STATE, to XXXX  FROM XXXX  to get a cashier 's check to PURCHASE A HOME and the bank provided a cashiers check that is NOT SIGNED BY THE BANK. I received XXXX cashiers checks ; XXXX is signed, XXXX is not. 
They expect me to drive back to the branch to correct this instead of them wiring the funds/issuing a new check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a citibank card reporting that I never had someone is using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and my ssn was sold on the black market. I have a fraud alert on my account, they refuse to process disputes about my fraud.
Product: Checking or savings account

On XX/XX/XXXX my wife and I opened a joint checking account through Huntington Bank. Shortly thereafter, on XX/XX/XXXX we started regularly using the account. As of today XX/XX/XXXX my wife was unable to login to her account. We called the bank as of this evening to find out why and suddenly the bank is closing our account with no reason given. We have our entire livelihood within this bank, and have already closed our other accounts as to not incur fees for them being inactive. With Huntingon Bank closing our accounts with basically no notice and no reason they have made me unable to pay my mortgage or put food on my table. I feel as if the company is discriminating against me for some reason whether it be my race or occupation.
Product: Mortgage

I am having EXTREME difficulty with Nationstar/Mr. Cooper. I have had nothing but issues with the servicing of my loan since inception in XXXX. 

The most recent have gone unresolved : 1. On XX/XX/XXXX I called to see how much the balance was on my loan. Later that day I sent in a payment of {$190000.00} via certified mail. This payment was received and signed for by an employee of Mr Cooper on XX/XX/XXXX at XXXX am. 

I have called on several occasions and Mr Cooper is refusing to apply the funds to my account. I am not going into foreclosure nor have I ever been late for any payments. My account is actually paid ahead until XX/XX/XXXX. This company is a nightmare. 


They also have misapplied funds to by paying two separate insurance companies XXXX and XXXX. I have yet to receive a response back to this issue. I feel like they are stealing money from me. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent XXXX XXXX XXXX XXXX ) account was opened in my name, appearing on my XXXX and Experian credit reports. I did not authorize this account, which was opened on XX/XX/2024, and currently has a reported balance of {$2100.00} with a {$2200.00} credit limit. This has negatively impacted my credit utilization ( 96 % ) and my credit score.

I have disputed the account with XXXX and Experian and contacted XXXX XXXX  but have not received a satisfactory resolution. I am also filing an identity theft report. I request the immediate removal of this fraudulent account from my credit reports and a full investigation by XXXX XXXX. I am willing to provide further documentation if needed and appreciate your assistance in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All XXXX bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from OK to 120 late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.
Product: Bank account or service

I am a victim of identity theft and someone stole my personal information and identity and opened up fraudulent and unauthorized Wells Fargo checking and savings accounts that do not belong to me. Attached is supporting documentation for proof, I was incarcerated at XXXX Correctional Facility-XXXX from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX -Inquires XX/XX/XXXX XX/XX/XXXX I looked at my Experian credit report on ( XX/XX/year>2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My Information was Exposed in a XXXX XXXX and it is reporting incorrect information. It is showing a bankruptcy, and XXXX incorrect information such as XXXX XXXX XXXX XXXX XXXX XXXX. Per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX. A report with FTC was also made
Product: Mortgage

Loan Depot contacted me after I sought mortgage refinancing options and was looking for a lender to compare rates. They began with a very user friendly interface and took all of my required documentation. Now over two months later, they either ignore requests for updates or offer explanations that don't make sense. I've spoken with managers and it does not resolve the problem. I have a strong credit score, provided all necessary documentation, and have been told the loan was approved. I am legitimately concerned that Loan Depot is a scam and has simply stolen my financial information. 

This process began XX/XX/2020. The locked rate period has expired and I still have no information from Loan Depot about when the refinancing loan will close. I have chosen to take my business elsewhere but I am concerned about identity theft by Loan Depot. Regrettably, I did not find similar complaints about Loan Depot when I began the process.
Product: Credit card or prepaid card

I have one account with American Express ( AMEX ) where I requested a credit limit. Amex asked me to either upload my bank statements through their portal or to link my bank accounts to consider my requests. 
I tried to upload the documents via the portal multiple times and kept getting an error, so I linked my bank accounts and gave AMEX access to my bank details instead. 
To my surprise, AMEX did not review my request with the excuse that I did not follow the instructions. My account shows as correctly linked at the AMEX portal, and an AMEX rep confirmed that it was correctly linked. 
I called and chatted with AMEX around XX/XX/12 and was told that my request would be reopened, yet nothing has happened. 
Multiple calls and chats have resulted in no actions or answers from AMEX. I did get a call from someone, but I asked her to call me later ( because I was at work ), and she never followed up. 
At this point, I think AMEX is purposedly ignoring my requests.
Product: Debt collection

I had told the original debtor we do n't owe that money and then I even included it in bankruptcy and they keep giving it to various debt collectors and I have told each of the debt collectors sue me and we go forward once I receive your lawsuit do n't threaten me or pretend to work for the government and arrest me. Today they called my neighbor who I do n't know and she came to my door and said this number is leaving a message for you saying they are taking legal actions against you and they will arrest you and I do n't even know our neighbor, not sure why they called her she has no connection to me except we live in the same building.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has had a major security breach that may effect the confidentiality and security of my personal information. I have filed a 90-day fraud alert inquiry but I still feel violated that my information can be accessed this easily due to a company 's mistake.
Product: Student loan

Since XXXX XXXX, i have had trouble trying to get my payments back on income base. I am a single parent/ single income. I have been trying to find the application on the website and it took me for a loop. I filled out an application/ got approved for income base 4 yrs ago. The application was accessible, plus customer service was available. It was set up differently when i tried to apply again in XXXX of XXXX. Now i am backed up on my payments because i can not afford the monthly payments now.
Product: Checking or savings account

I opened my Chase account at the beginning of the year after switching from XXXX XXXX because they wouldn't allow me to opt out of overdraft protection. In any case, Chase has regularly placed unnecessary holds on check deposits since I opened the account. Sometimes for just a few days, sometimes up to 14 days. In each instance, the checks have been around {$100.00} or less and nobody can explain to me why the hold is being placed. They used to tell me it was because the account was new. Then it was XXXX within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. ' But nobody could explain to me what that meant. The most recent example was from XX/XX/23. I stopped to deposit 2 checks, 1 for {$75.00}, the other for {$95.00}. The {$75.00} went it immediately, the {$95.00} had a 12 day hold placed on it. When I sent a secure message to inquire about why, I was gaslit and told there was no hold even though I received and email saying so and can clearly see the withheld funds on my app. But the worst example of all was when there an error made between my rental company and I. The rental portal would not allow me to process my payment and their system locked me out. Then because rent was late, the eviction process started automatically and the only way to stop it was to pay by certified funds the past due balance plus the next month 's rent. I had to borrow money from a friend who had written me a check for {$1700.00}. I had over {$1800.00} in my account and asked if I could cash the check since I had the funds to cover it. They told me it wasn't an option. Instead, they deposited the check and placed a 9 day hold on it. I told them I would be evicted before it cleared and they gave me a XXXX # to call. From there, I had to engage in a 4 way call between a XXXX representative, my friend, a representative of her bank, and myself. In that phone call, she had to share her account access information, verify she had written me the check, and her representative had to verify the funds were available. After all of that, the check still was held for 8 days, despite it clearing her account the following day. I had to borrow money from another friend, wait for that check to deposit and then pay her back. The whole thing was ridiculous and makes absolutely no sense to me. I have not bounced a check or received a check that was returned unpaid, and even if I had, how would I be at fault being on the receiving end of a bounced check? I searched XXXX and see I am not the only person who gets random holds placed on deposits for no reason through Chase and can't help but wonder how much interest they collect on unnecessary holds like this. As someone living paycheck to paycheck, I can't afford to spend weeks waiting for access to my funds.