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

I am a victim of identity theft. I have filed a police report and filed a complaint through the XXXX. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children.The following items are appearing on my credit report as a result of being victimized I am requesting that these items be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago and tried disputing directly with credit companies. Please help me with this matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
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. 
XXXX XXXX, XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened and or signed for the note loan under the account number in question with ONEMAIN that is being reported on XXXX  and XXXX When notifying ONEMAIN of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, XXXX and XXXX. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX  deleted the information while XXXX  and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX ONEMAIN reported to XXXX and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified ONEMAIN, XXXX and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

ONEMAIN, XXXX and XXXX continue to report this account with a balance of {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}
Product: Credit card or prepaid card

I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet.

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX  Date Filed/Reported : XX/XX/XXXX.
Product: Debt collection

There was not an answer that correctly fit what this company is trying to do. LVNV funding and/or XXXX XXXX XXXX has entered a petition into XXXX XXXX , Kansas court seeking to collect on a debt that is past the statue of limitations in the state of Kansas as well as the state of Illinois. I am denying this debt as to the fact that it is out of the statue of limitations to collect debt on a credit card.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones failure to deposit direct deposit from my employer and any other incoming deposits. Capital One cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern ls about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a credit card on my credit report and to which there were late payments on this account. This account at one point did have a balance which I paid to just have removed from my credit since XXXX XXXX bank would not fix this issue. The payment was returned to me saying this account was fraudulent. XXXX XXXX XXXX  will not remove this account from my credit although they have returned payments to me saying this account is fraud. I have disputed this as fraud multiple times off of my credit which they said they do not find it related to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

All calls are recorded, please contact creditor and obtain the proof
Product: Checking or savings account

I bank with Wells Fargo and I have been happy with them until about 3 Months ago when I had my account number changed due to fraud. When I originally opened my account I was not able to get over drawn unless I payed with check or using my account and routing numbers, the type of account I had didn't allow for overdraft so if the funds were not there to cover a transaction it did not get paid. Since getting a new account number the bank has let most transactions go through causing me to stay over drawn more often than not. I asked them on 3 separate occasions and they said it's up to them to decide what to pay or not but if I have not asked for overdraft then I don't understand why they can change it on their own. When speaking to another person who also banks with them I was told that they changed everyone 's account to a regular bank account and it allows transactions to be paid even if funds are not available and they charge for the overdraft. I find that to be unfair being that I usually have to agree and sign that I want the bank to pay items when funds are low
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal ONEMAIN XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Inquiry Dates XXXX XXXX, XXXX XX/XX/XXXX Delete this unauthorized inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Legal Basis for Removal of Hard Inquiry : Under 15 U.S. Code 1681b ( f ), a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose as outlined by the FCRA. If this inquiry was not authorized by me in writing or initiated by me directly, it constitutes a violation of this law.

Additionally, per 15 U.S. Code 1681i ( a ), you are required to investigate disputed information within 30 days of receiving my request. If you can not provide tangible proof that I authorized this hard inquiry ( such as a signed credit application ), you are legally obligated to remove it from my credit report immediately.

Failure to remove an unauthorized inquiry may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing statutory damages for willful non-compliance under 15 U.S. Code 1681n. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative collection on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : US DEPT ED XXXX and US DEPT ED XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute certain late payments listed on my consumer report, as obtained on, XX/XX/XXXX. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. 
Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to XXXX. 
Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : XXXX. Name of Account : XXXX XXXX, Account Number : XXXX, Late Payment Date : XX/XX/XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed. 
Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. 
Kindly address this matter with utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute. 
Best regards, XXXX XXXX Without Prejudice All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX XXXX. 
I have a problem with Experian credit reports. Yes I am like most that has fallen on hard times and had to learn how to clean up credit card payment history. Yes I fully expected my credit score to be negatively effected. I was able to settle all debts and close all my accounts. This is were my complaint is. I paid off my student loans and now have stellar loans payment history. The other two credit reporting companies reflect this. Experian is not. They have not removed the negative remarks that the others have. Worse yet they keep attempting to sell me a product they sell as a service to help clean up my score. My score has is very good now for the unbelievable hard work I have done to make things Wright. Please help me with this terrible situation that this giant of the credit industry has or is doing to me. 
Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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 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 XXXXXX/XX/year>
Product: Checking or savings account

We are reporting unauthorized transactions in our company 's savings account with Bank of America, detected on XX/XX/XXXX. These transactions began on XX/XX/XXXX, and were identified as electronic transfers and purchases, not involving the physical loss of our savings card. 

Immediate action was taken by informing Bank of America, and an internal investigation has been initiated. Our priority is to understand the breach, ensure account security, and prevent future incidents. We are working closely with the bank to resolve this issue and safeguard our financial integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent/ unauthorized inquiry from XXXX XXXX on XX/XX/2022 off my report or provide proof in writing within 30 days
Product: Credit reporting or other personal consumer reports

American Express is violating my rights as a consumer by posting a charge off on my credit file in violation of USC 1681 a, USC 1681 s2, USC 1681 2 ( a ) ( 1 ). furthermore this account is past the statute of limitations in my state. yet they are still harassing me by phone calls and emails.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a medical debt that is not mine and is against FCRA which they are in violation of, reporting a medical debt from merchants credit. If asked moth equifax and merchant credit to provide how they verified the account was mine and they cant because its against hippa to provide medical data even billing.
Product: Student loan

Mohela has been servicing my loan and they have mishandled a very large payment that my employer sent them. I signed a contract with my employer to keep working for them for a number of years to make a large sum payment to my loan. I work for the federal government ( USDA ), and they sent a check that was never applied to my loan. I was on the phone 4-5 different times to follow up on where the money was because my employer said the check had been cashed, but never applied. The check was sent in XXXX, and I have provided the follow up asking where the money was and no responses ever to the written messages. And on the phone the provider said they were just backlogged with work. I received a message from my employer saying the funds were returned to them this XXXX. I have called the loan servicing provider 10+ times over the course of the last 2 weeks and can not get ahold of a live person to discuss why they were never applied like I was assured they would be. 
I have attached supporting screen shots reflecting correspondence on this issue. 
Thank you.
Product: Bank account or service

My bank withdrew money form my account without any notice, for an account that I had over 6 years ago, that I had closed in satisfactory status. when I closed my account, the teller did not inform me that the account would actually stay open for 6 days an the bank processed transactions that I was trying to stop which caused an overdraft, then made the account negative and when I attempted to close it again, they refused saying they will not close an account with a negative balance. but had they closed it when I originally requested, there would not be any overdraft or negative balance.