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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the I.C. SYSTEM, INC for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICES I HAD SOME INQUIRIES THAT I DONT RECOGNIZE ON MY REPORT. PLEASE REMOVE THEM FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit card

On XX/XX/year>2025 i received an initial email from Chime. It was a 'welcome to Chime, thanks for opening an account with us ' the information was a different person 's name, cellular device and location. I then received XXXX more emails from Chime stating a credit card had been opened and will be sent out soon. I called Chime customer service dept. And stated that I do not have a chime account, the name is incorrect, etc. They stated although I received those emails, none of my other information matched any Chime accounts. They did tell me the account was closed but it was very concerning and I do not trust any of this information. How would a credit card be opened without email verification?
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts belong to twin brother 1.XXXX XXXX online account charge off account Not My Account 2.XXXX XXXX XXXX Late Payments, Not My Account 3.XXXX Charge off Not My Account 4.XXXX XXXX XXXX XXXX Not My Account.

I Recently settled with a XXXX XXXX bill that was opened in XX/XX/XXXXand closed in XXXX and was later bought XXXX in XXXX placed in the credit bureaus. XXXX  is Notorious for allowing ghost debt to appear on your credit report after the statutory time limit for old/bad debt to reappear on your account even after disputing. ( Collection agencies WINS ) Due to these circumstances after consistently paying my bills on time, My credit score has not reached XXXX keeping in in the mid 400s XXXX  does not integrity and does not strive to help consumers maintain and keep credit up to date. What debt collectors report XXXX  reports, and we as consumers have to go and dispute and wait for responses while credit sits in a derogatory status. I have repeatedly asked XXXX and the debt collectors to provide me with the last billing statement and dates, they have not and will not provide the information. I am working on bringing my score up, paying what I owe and keeping credit in great status, however XXXX  refuses to keep credit status up to date and current.
Product: Vehicle loan or lease

On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Pen Fed Credit Union.

Pen Fed Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report from XXXX. 

This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. 

I extended my credit card ( or social security card ) in good faith to Pen Fed Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to TransUnion on XXXX about my consumer credit report. I requested an updated version of my consumer credit report ( Violation # XXXX ) I still haven't received till this day. I asked them who is XXXX XXXX? When was this name added to my consumer credit report? Who authorized the name change? ( Violation # XXXX ) My questions went unanswered. I asked them why don't I have a XXXX XXXX? My question still went unanswered. On XXXX, I requested a {$500.00} loan from my XXXX XXXX XXXX XXXX XXXX. I was denied. I requested a {$250.00} loan from my bank and I was denied again. I received XXXX statements of credit denial due to the fact that my bank based their decisions from TransUnion Credit Reporting Agency. On XXXX I applied for XXXX XXXX XXXX and received a denial letter based on the inaccurate TransUnion consumer credit report. I have more denial letters from my past. On XXXX, I finally received a letter from TransUnion dated XXXX file # XXXX in reference to my letter dated XXXX and all it contained was RE : unable to locate credit report dispute request. ( Violation # XXXX ) It took them more than XXXX  days to investigate and respond on my account. They also completely ignored all of my request.
Product: Credit reporting or other personal consumer reports

Again, I was the victim of identity theft and this is my numerous request to Remove the information in my credit file resulted from an alleged identity Theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove Any Items. Ive already included this report in a previous letter & I am Including it again. Also, the information you provided on some item are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. 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 XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 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 XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX. XXXX  XXXX XXXX {$14000.00} XXXX. XXXX  XXXX XXXX {$20000.00} XXXX. XXXX  XXXX XXXX {$8600.00} 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 # ( private case number ) 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: Vehicle loan or lease

I am submitting this statement as a formal complaint to US Bank for the unscrupulous business practices used against me in reference to RV loan. 
Since XX/XX/XXXX Ive been making extra payments on my loan. I was under the impression ( my fault for assuming ) the extra payments were going entirely to principal only. A few months ago I realized the error and have been trying to get my extra payments reversed to principal only. I have called no less than six times and each time, except once, I was told the payment would be reversed after time frames from 3-5, 7-10 business days. After that period some or none of the payments were reversed. 
While this was going on I was asked how I was making the extra payments. I explained I was using Bill Pay from XXXX. I was told that would not work for principal payments. I was given the address of, US Bank principal only, XXXX XXXX  XXXX XXXX Wisconsin. Before setting up my bill pay I made an additional payment VIA a check for {$2000.00} on XX/XX/XXXX. That check was sent to the above address with the words ( principal only ) written in the memo section of the check. That payment was applied to principal and interest. After I set up my bill pay to add the principal only address ( the same one listed above ) I made extra payments intended for principal only that were applied to principal and interest. It was during one of my many calls to US Bank I was told that because XXXX was not included in the address, the bank had no way of knowing it was a principal only payment. I find it hard to believe that a bank could receive a check and electronic payments at a separate address form my normal loan processing point and not know how the customer wants the funds applied. I also think I was intentionally given the wrong address in an effort to stop and or delay me from making additional principal payment. 
I tried to file a formal complaint with US bank by using their online customer service tool. The agent I chatted with told me he would file the complaint on my behalf, so I sent him the above paragraphs. He relied saying the complaint has been submitted to the appropriate department I asked what department and when could I expect a reply. He said he sent it to customer service and they are unable to contact me. I feel I was intentionally misled by the agent by making it appear I was filing an office complaint when the reality it was just an other road block by US Bank to keep me from getting my money applied to my loan correctly. 
I now know I didnt follow the proper procedure for making principal only payments. Since I learned about the error, I have tried to get those payments reversed and to make principal only payment and US Bank has put up road blocks and has stalled and lied about reversing my payments. I am convinced US Bank is doing these things intentionally in an effort to maximize their profit and is essentially stealing my money. 
I am requesting US Bank immediately reverse ALL the extra payment I made and apply the interest paid to the principal of the loan. I am also requesting a detailed statement of those transactions. 

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

In reference to : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX My account was marked late in the month of XXXX and this is preventing me from buying a home. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 US Code 1681 Section 602, this law states that I have a right to privacy. Under 15 US Code 1681 Section 604.A.2, this states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code 1666.B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Debt collection

I am receiving derogatory remarks on my credit score / credit report from an account in collections from a company I do not know and do not owe {$290.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue. The CBE group replied to my prior submission and said they will look into this further yet this is still negatively affecting me during these hard times, and reporting negatively on my credit report.
Product: Mortgage

The branch of Truist Bank that we use is located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

My wife and I had XXXX loans in XX/XX/year>, {$80000.00} in a home equity line of credit and approximately {$120000.00} in a HELOC fixed draw at 3.89 %. We paid off the line of credit on XX/XX/year>. 

We now have one payment, for the fixed draw, of {$1100.00}, due on the XXXX of each month. We use the Truist online banking application. 

My complaint is that, for XXXX, without explanation or notice, Truist Bank applied the entire HELOC fixed payment of {$1100.00} to interest, ( {$0.00} to principal, ) and for XXXX, {$970.00} to interest and only XXXX to principal. 

Our latest HELOC fixed draw payment, for XX/XX/year> was {$730.00} in principal and {$410.00} in interest, so I know that we should have been credited around {$700.00} for a principal payment in XXXX and in XXXX. 

My wife has met several times with, and requested an explanation and correction from, XXXX XXXX, XXXX XXXX at XXXX. My wife was given the number for XXXX XXXX, Client Resolution Specialist, who told her that we had not made any payments and then sent a letter dated XX/XX/year> to explain how interest rates are calculated. 

My wife met with XXXX again and was given XXXX XXXX XXXX  XXXX, Branch Leader at XXXX. XXXX said the matter had been taken to the top level and the decision complied with every banking regulation. It could not and would not be changed, there was nothing more that we could do and no one else to talk to. She also refused to explain the action saying that she would not discuss " hypotheticals '' with my wife.
Product: Vehicle loan or lease

I made several payments on my account in XXXX, XXXX and XXXX that wasnt applied to my account. I have sent bank statements per their request over the period of 5 months to get this issue resolved. I keep on getting the run around from customer service reps saying that they dont have it for me to send it over and over again. Then they stated they do have it but need a statement with my account number, which they have, the date of the transaction which they have and the rolling balance which they have. Even my bank called in to confirm that the charges were there. Now they repossessed my vechile and is holding it hostage until the issue is resolved. Now my car is up for auction. In addition I paid {$560.00} in a rental so I can get to work that I can no longer do and can not return to work until this is fixed. Please handle and return my vechile.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$16000.00} XXXXXXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX /XXXX   XX/XX/XXXX {$5000.00} 10 XXXX   XXXX XX/XX/XXXX {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$700.00} XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX / XXXX XXXXXX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX   XXXX XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.
Product: Credit card

The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.
Product: Student loan

XXXX XXXX XXXXXXXX XXXX XXXX XXXX closed on me and FEDERAL STUDENT LOANS agreed over 4 years ago that my loans would be canceled and they have yet to be. I attended XXXX.
Product: Debt collection

The company is calling trying to collect a debt from my mother-in-law, XXXX XXXX. The first time they called was a couple months ago. I told them she did not live here and to not call again. They said they would remove my number. On XX/XX/2020 they called again. I told them again she did not live here and to not call back. They said they would remove the number. Today, XX/XX/2020, they called again. I did not get the name of the person calling. I again told her she did not live here and to not call again. She started asking me questions I said I would not give her the phone number and that I already asked them to stop calling. She started trying to tell me they had never called before and I told her they had because I have it documented. She would not stop trying to get the phone number from me. She then said well will you give her a message. I said again this is not her phone number and I want you to stop calling me. I even told her she was violating FDCPA twice and that never deterred her.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my XXXX and XXXX credit reports. I immediately called Capital One to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( Capital One ) about the fraudulent credit card application. I then called XXXX and XXXX and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called Capital One back to inform them of this information, they insisted that they do not provide such letters to people. I called Capital One back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait 30-60 business days for it to be removed. I tried filing three fraudulent disputes with XXXX : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My XXXX XXXX has dropped significantly due to this fraud. I have been unable to receive any assistance from Capital One ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if Capital One reported it promptly to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX