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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX
Product: Debt collection

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i (7). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Debt collection

Call protect blocked 14 calls from this number in less than one minute. Blocked it as severe fraud. XXXX   the phone number and saw several reports of it belonging to XXXX XXXX  XXXX. I can provide screen shots of the call logs from my phone.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally request a re-evaluation of my personal loan interest rate under the Louisiana Servicemembers Civil Relief Act ( SCRA ) provisions. 

I believe there has been a misunderstanding regarding the coverage of my personal loans under Louisiana 's SCRA provisions. According to Louisiana Revised Statute 29:311 ( 3 ), the statute covers any financial obligation, not just retail installment sales contracts or loans for the purchase of goods or services. 

Enclosed, please find the relevant sections of the Louisiana Revised Statutes that support my claim. I kindly ask that you review my case in light of this information and adjust my loan interest rate accordingly. If there are any questions or need for further clarification, please feel free to contact me or consult with your legal team. 

Thank you for your attention to this matter and for your continued support of service members. 

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

On XX/XX/2020 my spouse 's XXXX account was hacked and fraudulent purchases made. We both use our XXXX XXXX rewards card for our purchases. We contacted XXXX and the issue was at first resolved. The transaction was cancelled, and we replaced our credit cards just in case. 

Later, we received an email from XXXX saying Chase had disputed the refund and we needed to pay our my spouse 's XXXX account would be locked. We were advised by XXXX that we needed to handle this issue with Chase bank. 

I have spent at least six hours on the phone last month, as well as sending electronic messages through Chase 's secure message system and even sending a direct message on XXXX. It was through XXXX I was able to get a fraud reporting number which unfortunately is not immediately apparent on Chase 's website. 

My last communication with Chase on this issue, approximately two weeks ago was by phone. The agent assured me they would credit my account for {$50.00}. This has not happened. 

I feel that the amount of time I have spent chasing this {$50.00} is absurd, even taking into consideration the pandemic. If anything, Chase should be devoting more resources to protecting their customers from fraud considering the spike in scams taking advantage of the pandemic. As an aside, I am also concerned that XXXX would effectively hold someone's online shopping account hostage during a pandemic when we are supposed to be social distancing, simply because Chase bank is unable to process fraud claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my first XXXX Data breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX XXXX TRANSUNION XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.
Product: Credit reporting

I 'm a victim of identity theft. I have fraud alert on all my XXXX credit bureaus. I disputed all the fraudulent and inaccurate informations. ( 1 ) Transunion credit bureau been giving me hard time and keep reported fraudulent account which are unauthorized inquiries XXXX on XXXX/XXXX/2016 and XXXX/XXXX/2016. XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. By spending money on certified mail and wasting my time and energy on contacting all the creditors they all agreed after their investigations that all these unauthorized inquiries were fraudulent inquiries to removed from all my XXXX files with documents. Finally Transunion removed these fraudulent inquiries from my file but suddenly reported back in my file on XXXX/XXXX/2016. I called the Transunion agency today XXXX/XXXX/2016 on XXXX EST and I was on hold for more than XXXX minutes before I get disconnected but I called back and someone answer and transfers me to fraud department which they are out of the country in XXXX he was so nasty and non informative and I could n't understand what he was saying. ( 2 ) Transunion insists to report inaccurate information about the account # XXXX XXXX XXXX XXXX for {$520.00} even after I contacted the hospital XXXX/XXXX/2016 and they agreed it was an error and was their mistake and they removed it on XXXX/XXXX/2016. ( 3 ) Transunion still reporting fraudulent account # XXXX XXXX for {$190.00} ( 4 ) Transunion still reporting inaccurate information about account # XXXX. 
Generally Transunion gave and still giving me hard time and caused lots of trouble to my family and I. Transunion doses not care and the employees do n't do the right work. I been dealing with them for the last XXXX month and I spend lots of money to get the fraudulent accounts and inquiries deleted from my files. Transunion agency is not helpful and their customer services are the worst ever. They wast my time, my energy, and my money but I wo n't never give up and I will continue to fight to get everything straighten even if I have to take the to the court. By the way this is the second complaint against Transunion with CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I XXXX XXXX got XXXX and I did 2 years in XXXX XXXX XXXX  XXXX. When i was XXXX XXXX XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXX that I was XXXX in their facility at the time this account was opened and remove from my credit files asap!!!
Product: Credit reporting or other personal consumer reports

Second Request for Immediate Deletion of Inaccurate Account XXXX FUNDING ( Original Creditor : CREDIT XXXX BANK N.A. ) Dear XXXX, I am writing to formally demand an immediate and thorough reinvestigation of the following inaccurate and damaging account appearing on my credit report in violation of the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX ( b ), which mandates that credit bureaus ensure the highest level of accuracy in consumer reporting. 

Despite my initial dispute more than XXXX  days ago, I have yet to receive a response or correction regarding this matter. The complaint was submitted XX/XX/year>. The following account continues to appear on my credit report, which is an ongoing and unlawful injury to my creditworthiness, financial stability, and ability to provide for my family : Account Name : XXXX FUNDING ( Original Creditor : XXXX  XXXX BANK N.A. ) Legal Violations & Demands This account is being reported by a third-party debt collector, XXXX XXXX, and appears on all three major credit bureausXXXX, XXXX, and TransUnionwithout sufficient verification of its accuracy or legal validity. I demand its immediate removal in accordance with the following laws : Violation of FCRA XXXX ( b ) : Credit bureaus must ensure maximum possible accuracy in consumer reports. The continued reporting of an unverified, erroneous, or potentially fraudulent account constitutes a clear breach of this requirement. 
Violation of FCRA XXXX ( a ) : When a consumer disputes information, the bureau must conduct a reasonable reinvestigation and delete any information found to be inaccurate, incomplete, or unverifiable. Failure to comply with this obligation XXXX result in legal action against all responsible parties. 
Violation of FCRA XXXX ( b ) : Data furnishers ( including XXXX XXXX  and XXXX  XXXX BANK N.A. ) are legally obligated to conduct a meaningful investigation and delete any incorrect information. If they have failed to provide documented proof of this debts accuracy, you are required to delete it immediately. 
Fair Debt Collection Practices Act ( XXXX  ) Violations : If this debt has been sold or transferred without my consent or proper validation, its continued reporting constitutes illegal debt collection practices under XXXX U.S.C. XXXX ( false or misleading representations ) and XXXX XXXX. XXXX ( unfair practices ). 
Consumer Financial Protection Bureau ( XXXX  ) Enforcement Actions : The CFPB has fined companies for similar reporting violations. If this issue is not resolved promptly, I will not hesitate to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( XXXX  ), and my states Attorney Generals Office. 
Personal Harm & Urgency Your failure to correct this error is directly harming me and my family. Because of this incorrect account : I have been denied mortgage approval, preventing me from purchasing a home for my children. 
My financial stability has been severely impacted, making it harder to provide for my familys basic needs. 
My ability to invest and build generational wealth is being obstructed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX XXXX  website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX XXXX XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

Global lending services XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
Product: Debt collection

I found out that I am being sued by American Express through their counsel, XXXX XXXX XXXX. I contacted XXXX with XXXX XXXX to discuss settlement options on the account in XX/XX/2019. XXXX agreed that American Express would settle my account for {$10000.00} and the remaining balance on the account would be forgiven. At that time, XXXX told me to contact a fourth party, named XXXX. XXXX works for XXXX, a collection agency used by American Express ( as it was explained to me ). XXXX said I had to pay XXXX the settlement amount. Despite misgivings, I have XXXX my debut card number. My bank would not approve such a high purchase and denied the charge request. 

XXXX told me that XXXX would contact me with payment instructions for my account. That was the last I spoke to anyone from American Express. If I call them, and I have called both several times each, they will not answer my calls. 

I believe that XXXX XXXX broke our verbal contract because they will not allow me to make payments on my account, not answered.my phone calls. I also believe they lied to me regarding the terms of my account settlement for less than owed. 

I ended up having to make a payment to try to get the account paid off before a judgement is placed on me of XXXX
Product: Checking or savings account

On XX/XX/2023, I applied to open a CD account with CIT bank online through their website CIT.com I entered all of my personal information. After the website processed my information, the website said that my request to open an account was denied. I have called the CIT customer service several times asking for the reason my account was denied. The first said they did not know, and that I would get an email explaining why in the next few days. I never got an email so I called again on XX/XX/2023. They said there may have been a problem verifying my information, but the answer was vague. I asked for a reason to be provided to me in writing. They said they would send a letter in the mail to me. I never received a letter. 

I checked all three credit bureaus to see if there was an issue with my credit. I confirmed my credit report was clean and that I have a high score. I want to know why I was rejected by CIT because I am concerned there may be something incorrect on a consumer report that I do not know about. I want CIT to tell me, in writing, why they rejected my application and tell me what consumer reports they looked at to make the decision to reject my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reached out to Continental Finance/XXXX XXXX XXXX about a late payment on my credit report as I notice I was late I immediately paid the entire balance and contacted Continental Finance/XXXX XXXX XXXX  to ask if they could remove the late payment and offered to setup automatic payment to avoid this from ever happening again and got nowhere over the phone so I sent a good will letter and still no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. 

I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation was not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX XXXX XXXX )
Product: Mortgage

I received an email that I thought was Mr Cooper XXXX XXXX was the contact ( see attachments ) only to find that I have scammed out of my mortgage payment. As Mr Cooper has notified XXXX made XXXX payments at XXXX with XXXX XXXX for what was advertised as a hardship program. 
In the meantime my bank has closed my account and I am in dire need of my money through XXXX XXXX ( see attached ). 
Please contact me with any questions that may help move this forward.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX  I do not have a contract with XXXX XXXX XXXX. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. This must be removed from my report since XXXX failed to follow the law per the FCRA. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt and in the same letter stated that you are not trying to collect on debt, when in fact you are. Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that XXXX has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore XXXX is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX ( XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
TODAY IS XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Student loan

- had existing loans at XXXX - graduated from school and applied for income based repayment plan, loans at XXXX were placed into REPAYE program - applied for PSLF, was approved by employer and submitted documentation to DOE - was told i needed to transfer loans to mohela to do PSLF - consolidated loans and requested transfer to mohela. in application said that i wanted loans to start repayment immediately and remain on income based repayment plan - loans were sent to mohela and i was placed back on the standard plan ( high payments, accuring interest without subsidy, ineligible for PSLF ) and was put into forbearance ( NOT active repayment ) for unknown reasons, rendering me ineligible for PSLF during this time period. I should be on the SAVE plan where interest is subsidized- have attempted to call mohela every day for last week and have sent multiple secure messages to try to correct this, have not gotten ANY information - their wait times are regularly 3 hours ( not an exaggeration ) and then they say they are transferring you to a supervisor and then you're on hold for another hour - mohela is making multiple mistakes and is impossible to get ahold of