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

This is my 12th 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, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to XXXX, XXXX  and TransUnion since XXXX of last year, it seems that they are ignoring my dispute and never send me any physical proof of the negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, please help me with my concern. I saw XXXX/MEFA on my credit report and I have late payments in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts below 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 a account without my written instructions 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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am submitting this complaint in reference to MIDLAND CREDIT MANAGEMENT knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Product: Debt collection

Consumer Portfolio continues to furnish data on credit file. Car appeared on credit file 2019. Contract was an obligation with myself and ex husband. When car was repossessed company failed to make contact with me when car loan was in jeopardy. Never received any documents regarding sale, disposition if gap coverage were calculated. Company failed to comply. In addition, full investigation regarding unfair sales practices during time of sale.
Product: Credit card

Lowe 's Consumer Credit/Synchrony Bank intentionally causes payment difficulties and refuses to acknowledge their failures. I repeatedly attempted to pay my Lowe 's Consumer Credit Card via their automatic system and it failed each month until I finally just paid it off in person. I perceive through my interaction with their customer service that this is a systematic attempt to create circumstances which will result in fees or interest charges.
Product: Credit card or prepaid card

Application denied for cards not applied for : XX/XX/2022 -- Synchrony Bank -- application for XXXX XXXX card XX/XX/3033 -- Synchrony Bank -- application for Ashley Furniture card
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$980.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Ditech financial is committing the following violations : 1. Dual tracking. They are pursuing foreclosure sale while still evaluating me for a loan modification. 

2. Ditech has failed to provide me with the written calculations how they have determined my Gross income. 

3. They falsely stated my loan was originated after XXXX XXXX, 2009 with XXXX and listed that as a reason for denying the loan modification. 

4. I have had a change in my circumstances. My income has increased substantially. 

5. They have failed to evaluate me for a modification based on my new income. 

6. They have failed to make any contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I Recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. ( XX/XX/year> ) Im now requesting you investigate and provide verifiable proof with records showing that I had late payments if this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXXXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 

XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If thisthe final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you cantravel here in order to defend yourselves.

I take my credit very seriously and your lack of professionalism and assistance disgusts me. I amwell aware of my rights under the FCRA and intend to pursue them to the maximumI am anticipating your immediate response.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , 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 a credit card account from XXXX with a balance of {$20000.00}. The hard inquiries that are on my credit report that should also be removed, blocked, and deleted are a hard inquiry from XXXX XXXX XXXX XXXX, a hard inquiry from XXXX XXXX XXXX XXXX, a hard inquiry from XXXX XXXX XXXX XXXX a hard inquiry from XXXX XXXX XXXX and a hard inquiry from XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries that I do not recognize. These inquiries are fraudulent and do not belong to me. Please remove them immediately. My data has been compromised due to the XXXX data breach.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX ' handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Im writing to inform you Im reporting you to the CFPB ( Consumer Financial Protection Bureau ) In this letter which is being sent to the CFPB also I explain my case. 

Ive been a card holder with Elan since I was a teenager which dates back over 30 years ago. My recent experience with your company is nothing short of fraud at this point. Your representatives have lied to me on the phone multiple times including the laundry list below. 

My credit card was compromised around the end of XX/XX/2023 which I reported with your theft department concerning a charge from XXXX of {$21.00}. I was told someone from another country has made the purchase and I had to go through the theft department process and have a new card issued. I went through this process only to find out my card was compromised again after only one week. 

At this point I started asking questions about why this was happening. I asked after multiple calls into your customer service department to find out it was due to a recurring payment list which exists for companies with monthly subscriptions. I found this list on your web page which included XXXX XXXX and other companies I havent used in a very long time. XXXX hasnt been used in decades and why it was listed on my credit card recurring payment is beyond me. I asked your customer service representative to remove XXXX and many other companies listed on this page because I was told these companies can reach your company and request my new credit card number and charge me for services Im not authorizing. I consider this theft on your behalf to give companies my credit card information without my consent. 

I decided to cancel my credit card and was told my card was canceled over the phone by your customer service representative. After being told my card was canceled, I continued to get a statement which prompted additional calls. I was told my card was canceled and no one could use the card to make purchases. Thats not what my statement was showing. I requested a letter from Elan to confirm my account was closed. I was told a letter would be sent which did not happen. I was told my card was official canceled on XX/XX/XXXX over the phone with your theft supervisor XXXX. 

I paid off the remainder of my balance of {$2200.00} when closing it and shows activity since then on statements mailed to me over the last two months. The most recent statement is listing a balance of {$21.00} that is not accurate. I do not owe this money and after being told by XXXX in your fraud department this account was closed, I find your organization is the one committing fraud. I am the victim here and have no other choice but to report your company Elan Financial services. If any action is taken against me for purchases, I have not made then this should be taken up by our laws to protect honest people from these kinds of practices. 

Lastly, I request Elan financial services to send me a written letter stating my account was closed and apologizing for wasted time and stress this has caused me. My credit is very good and I dont want to be associated with these kind of business practices.
Product: Student loan

I had a student loan with XXXX that was sold to AES. Which is when my problems started. I was paying them consistently for a few years then around fall of 2015 I changed something with my bank and forget to set up the payments again. I started getting notifications in the mail and called to request a Forbearance on XXXX XXXX, 2015. The lady on the phone read me a bunch of information and said that I must agree to them then said I was approved for the forbearance. Then in early XXXX I started receiving more phone calls from AES. Today, XXXX XXXX I called AES to see why they are still harassing me. I spoke to XXXX in the Graduate and Professional Services within AES. XXXX said that my forbearance request was never approved or denied and that the person on the phone told me they would be sending me some forms to fill out and sign and that once it was sent out I would have 30 days to return it and then they would tell me if I was approved. I WAS NEVER TOLD ABOUT THIS LETTER TO BE SIGNED AND FILLED OUT AND I WAS TOLD ON XXXX XXXX THAT I WAS APPROVED FOR THE FORBEARANCE. XXXX said they mailed me the forms on XXXX XXXX. On the XXXX of XXXX I was told by XXXX I was 30 days past due on my payments. They have already reported the 30 days past due on my credit report. He would not tell me when they did this. So they basically did n't give me time to even return the forms in 30 days ( the forms that they never told me about in the first place ) before they reported this to the credit bureaus. I did what I was supposed to do and it seems like unless I paid in full they had every intention to ruin my credit. By ruining my credit this prevents me from getting a student loan for my next semester of law school. I also have to maintain good credit to keep my job. This negative report can ruin my life. I 've been paying for years and after 30 days of being late they just put this on my credit and I called before 30 days were up. Please help me.
Product: Student loan

This loan is from a for profit school that was on the list of federal loans discharged. I had XXXX  XXXX discharged from my federal but this is the private loan portion. I refinanced recently, I pay the XXXX XXXX XXXX XXXX  and get charged over {$100.00} a month in interest. In addition, the amount last year was {$16000.00} and I paid XXXX XXXX XXXX  and now I owe more than {$16000.00}. There is no way this is getting any lower
Product: Credit reporting or other personal consumer reports

Consumer Name : ( 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, the TransUnion, XXXX, XXXX credit reporting agency , 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 Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}. Inquiries : XXXX credit, XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This alleged debt was purchased by another company. I am requesting the original wet ink contract signed by principal XXXX XXXX with this company making her responsible for the said debt. According to 15 USC 1681G it is the company 's obligation to determine the proper identification of the consumer. Please fully identify XXXX XXXX and all provide proof including signatures in contract with your company. If this can not be proven, this account shall be deleted and all communication will cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted disputes to XXXX and Experian regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX In - Amt Obtained {$7000.00} - FRAUD
Product: Credit reporting or other personal consumer reports

Experian is double reporting a debt from original creditor and debt buyer. I requested validation of debt both Experian and XXXX were unable to provide documentation. This is hindering my credit and the debt is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX  XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} XXXX