23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Federal or Private loan : I do n't know because this is a fraudulent loan that I never received. 

I have filed more then XXXX complaints over the same exact illegal, non existing student loans. I have never received these funds. XXXX XXXX XXXX XXXX XXXX has refused to validate the loan. They have lied multiple times including stating they were a candy shop to collect information. They have called my neighbors in attempts to locate me. They have treated to file a police report if I report them. I have already filed these complaints with the Federal Government. 

This loan is resurfacing. I also have these fraudulent loans showing up on my credit reports as " wright-offs ''. There has been zero accountability from any of the companies involved with collecting the money, selling the fraudulent loans to new companies, and no company has been required to provide information about the loan. 

I asked in XXXX ( before I graduated collection ) for proof of this loan. Instead of mailing me the fraud packet, the company sent me letters stating they would report me to the police for filling false charges. In XXXX, XXXX, XXXX, and now XXXX, I have filed statements requesting this company prove these loans existed. 

There was only XXXX loan during this time, not XXXX loans. 100 % of the loan is currently at another bank. The loan is not late and the bank has not attempted to collect because I am still in college. 

This company has violated ( XXXX ) the fair credit report act XXXX XXXX XXXX the collections act. I seek damages for the destruction of my credit reports. I seek damages for the years and years of stress and humiliation. I can not even answer my phone because of these fake loans. XXXX time, the agent at XXXX XXXX XXXX XXXX XXXX acted as a client to book an appointment at my work. 

However, I have already been in contact with legal counsel and I plan on building a lawsuit against this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This company placed hard inquiries on my Transunion credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( XXXX XXXX XXXX/ XXXX XXXX ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you. 
XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX Finan Inquiry from XX/XX/2018
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. KINGS CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I received my Prosper credit card through XXXX XXXX bank a year ago. In that time, I used it once. I can not tell you the amount bc I'm unsure how much my purchase was for at this time. As I do every month, I went to pay 50 % of my bill on the first of the month, I clear the balance by the XXXX of the month. 

However, after multiple attempts to sign into their online app, it would not let me in. Let me add that I am not a casual user of tech application. I am extremely well versed. I finally called the company and this is where the problem started. Customer Service representative ( who was very nice ) let me know the last 4 digits of my social were " wrong ''. I am XXXX years old and have been writing my ss # since the dawn of time. Fine, maybe they keyed it in wrong. How do we resolve? 

I was asked to send a copy of my social security card, which I did, to an address I was given. I did that and waited. I gave it a few weeks ( 3 ) and retried the app. Didn't work. I tried to phone in my payment. Didn't work. Why? They never fixed the problem. I did what I was asked, they did not. 

I called back today, XX/XX/2022 when I noticed a HUGE dip in my credit score. They did not freeze the account prior to fixing the error. They have been compiling late fees and interest on the balance I've been trying to pay for months. I asked to speak to a supervisor as another call center employee ( XXXX, XXXX... another very lovely person ) gave me the exact same " solution ''. ( NOT her fault ). Both supervisors were on the phone with other customers, but I should get a call back. No one received my postal mail with my social floating around so I'm very reticent to mail a check. 

Upon doing some research, I see I'm far from the only person to have this or a very similar issue with XXXX XXXX bank and their products. 

I have not made late payments to ANY other cc account l have. I am in the midst of trying to purchase my FIRST, very own home. Their lack of diligence is now affecting my ability to get a mortgage. I am literally trying to pay them in FULL and want them to close the account for good like I requested months ago. 

This bank is running fraud games, manipulating consumers with predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item on my credit report 3 separate times and provided supporting documentation directly from the collections agency as well as documentation showing XXXX and XXXX have deleted the item. Equifax has not reinvestigated nor have they update the item to reflect the correct status or removed it from my credit report. The dates and details are listed below.XX/XX/XXXX: I ran my Equifax credit report and discovered that I had had an unpaid collection for $XXXX  with XXXX XXXX XXXX XXXX. 

XX/XX/XXXX: I called and paind stalling Financial the full amount plus $XXXX credit card processing fee - this is how the payment appears on my bank statement below:
 (	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX	$XXXX)

XXXX: Requested item be updated as paid collection Conf #XXXX  
XX/XX/XXXX Disputed item Conf XX/XX/XXXX it was verified and not deletedXX/XX/XXXXcalled and disputed item over the phone for reinvestigation conf# XXXX
XX/XX/XXXX: Attempted to fax Equifax supporting documents 5 times and received 5 failed fax messages to the number provided buy the representative over the phone XXXX  
XX/XX/XXXX: Called Equifax to discuss failed fax and was given a different fax number XXXX resent the documents and received fax confirmation that Equifax received supporting documentation fromXXXX  and XXXX credit bureaus 
(fax confirmation below:
XXXXXX/XX/XXXX
to me 

Dear XXXX XXXX

Your fax to Equifax at XXXX has been sent successfully!
Successful delivery of your fax was confirmed at XXXX XXXX Eastern Daylight Time onXX/XX/XXXX
Your fax included 1 page of coversheet with your text and 17 pages of attached documents.

Thank you,
XXXX

(id#XXXX))


XX/XX/XXXX received dispute results for Confirmation #XX/XX/XXXX item was verified and not removedXX/XX/XXXX received dispute results for Confirmation XX/XX/XXXX(generated by the fax I sent in) item was verified and not removed despite sending a letter directly from the company via fax that the item had been paid off.XX/XX/XXXX I attempted to log into my Equifax dispute results and was given a message that said that my social security number was impacted by the security breach that happened during the summer and I was prompted to sign up for XXXX XXXX credit monitoring which I did. I received and email to activate my account but when I attempted to I was told to wait 48 hours

XX/XX/XXXX I ran my credit report via XXXX XXXX and the item remains on my credit report.XX/XX/XXXX: I called Equifax and was told that the item was verified as unpaid and open.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX, ACCOUNT # XXXX Account name : XXXXXXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX  ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX, ACCOUNT # XXXX ( APPEARS TWICE ON MY CREDIT REPORT ) Account name : XXXX XXXX XXXX XXXX  ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.THEY DO NOT HAVE MY WRITTEN CONSENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documents to the following companies to have the alleged accounts removed from my consumer report. All accounts listed were not removed, I have attached the documents again to have these accounts removed.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, Ive made several attempts with all 3 credit reporting agencies to resolved the unauthorized inquiry issue on my consumer credit profile. A resolution has not been met.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. I have file multiple disputes, spanning 4 years with no resolution. 
My personal information was compromised during a contested divorce proceeding from XXXX to XXXX, during which time my then-spouse had access to sensitive documents containing my personal information. 
Following the finalization of my divorce on XX/XX/XXXX I discovered several unauthorized accounts, including : Account name COMENITYBANK/XXXX  Account number XXXX Balance {$2500.00} Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information. 4. This statement that the information is not related to any
transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter. I also request a full investigation into this matter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for Immediate Deletion of Inaccurate Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Dear Sir/Madam, 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 ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit bureaus ensure the highest level of accuracy in consumer reporting. 

Despite my initial dispute more than 30 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 XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  ) Legal Violations & Demands This account is being reported by a third-party debt collector, XXXX XXXX, and appears on all three major credit bureausExperian, XXXX, and XXXXwithout sufficient verification of its accuracy or legal validity. I demand its immediate removal in accordance with the following laws : Violation of FCRA 1681e ( 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 1681i ( 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 may result in legal action against all responsible parties.

Violation of FCRA 1681s-2 ( b ) : Data furnishers ( including XXXX XXXX and XXXX XXXX XXXX XXXX. ) 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 ( FDCPA ) Violations : If this debt has been sold or transferred without my consent or proper validation, its continued reporting constitutes illegal debt collection practices under 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ).

Consumer Financial Protection Bureau ( CFPB ) 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 ( FTC ), 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

My information was stolen years ago due to that XXXX data breach. I need your help in requesting that the CRA 's block the fraudulent information listed on my reports. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to purchase a home and the lender pulled a hard inquiry on XX/XX/18. He told me later that they might do a soft pull for some items but would not be doing another hard pull. On XX/XX/18 both the lender and the agency they work with did hard inquiries. I was never told there would be two on the XXXX and was told they would be soft inquiries. My loan was ultimately denied ( they texted me to tell me- no call, email or any documentation ). I am not happy that three hard inquires came from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXX XXXX  These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I Never gave those furnishers written instructions to furnish this on my credit report! 

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been seeking validation for derogatory items reported to my credit report since XXXX/XXXX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Product: Credit card or prepaid card

Citibank NA closed all XXXX of my credit cards accounts that I have with them. 
Their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. 
Citibank decision to close all my accounts was therefore unfair and discriminatory.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite frequent use and reporting discrepancies, my claims were not adequately investigated by either my financial institution or Zelle. I was informed that recovering lost funds or tracking transactions was not possible. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and undermines consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Chase card services on XXXX by phone at around XXXX pm EST, to ask about the sale of the two charge-off accounts I have with Chase. XXXX XXXX transferred the call to XXXX in the Credit Bureau Specialist Unit. 

I asked XXXX if my charge-off accounts had been sold to a collection agency because Chase was reporting the balances to the three credit reporting agencies.

From my understanding, if a charge-off debt was sold, the balance being reported on the account should be {$0.00}. 

XXXX immediately stated that my charge-off debt had not been sold to a collection agency. 

I am a bit confused as to why I have a pile of collection letters from multiple collection agencies stating I owe them money for the charged-off debt, yet, XXXX from the Credit Bureau Specialist Unit with Chase says otherwise.

According to XXXX, placement is the sale of securities. 

So if my debt was " placed '' with an outside collections agency, the debt would have then been sold and the balance reported to the three credit bureaus should be {$0.00}.
Product: Checking or savings account

I discovered over 80 fraudulent checks that were written by my ex wife and her family out of my checking account with PNC bank. I brought this to the bank 's attention and got the runaround for months. At the end of their investigation I was told there was nothing they could do to rectify the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ran a hard inquiry on XX/XX/2023 with Transunion that was unauthorized.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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.

I am filing this FTC Identity Theft Affidavit to report 10 fraudulent accounts appearing on my consumer FICO EXPERIAN credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 9 hard inquiries : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXXXXXX XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

Hello, I have an item on my credit report that should not be there. It has affected my credit drastically and needs to be removed now please. I have already sent a dispute letter and it has been 31 days now and this item is still here. Please remove it now. Thank you.