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

I am writing to formally request the blocking and deletion of the fraudulent account and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. Fraudulent Accoun
t XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX Acct XXXX XXXX ) has violated my rights.

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

When my student loan payment was set up, I had a different employer, and my monthly payment was set, based on how much money I made with that employer. Now, I no longer work at that company, and I make significantly less money, because I'm working for myself, starting a new business. My loan payment is so high, it is more than I pay for my mortgage, and I'm struggling to make my monthly payments. I physically don't have the money to pay such a high amount every month. I've contacted my student loan company, Sofi, several times ( most recently on XX/XX/18 ) to explain that I need to lower my monthly payment to an amount that reflects my new income, but they tell me there's nothing I can do. My account is now delinquent as a result. To make matters worse, they raise my interest rate every month, making this physically impossible to ever day off in my lifetime. I've already paid back the amount I borrowed and then some, ( over the last 13 years ) but still owe the same amount I started with. I'm just looking to simply lower my monthly payment to a reasonable amount that I can keep up with. Please help.
Product: Checking or savings account

When I opened both my bank account and savings account I immediately opted out of a overdraft protections Services listed and acknowledged, fully aware and assuming that any debit card or otherwise transactions that the funds were not available in the checking account would be automatically declined accordingly. When I chose to open a savings account it was under the assumption I was opening a separate account in which I could place funds I needed set aside for specific purposes to be used at specific times in which I would use them and not worry about the set aside funds disappearing at random to cover anything else but what they were set aside to be used for right. Isn't that the soul function of a savings account to save funds not use it just a filler 2nd account to be drawn on drafted at will automatically without your consent or knowledge, because if not why not just leave the funds all together in your bank account. That said I had XXXX XXXX  set in my savings account to which was specifically set aside for specific purposes and only for that purpose, I moved it to my savings so it would be used for any other reason or before I was ready to use it. When I logged into my account I noticed my savings account was over half gone, and I definitely hadn't personally made transfers from it nor authorized it was notified transfers had been completed further more. I contacted customer service who stated it was NSF feature service available to all accounts which I stated no I opted out period and followed up with In person and phone agents previously to confirm such was the case on my accounts, never once was I told them that there was an automated service I had to personal separately opt if using a form to request it to stop automatically transfers from savings to cover checking debit transactions funds aren't available to cover. Which I believe defeats the entire purpose altogether and was never told this and never would have agreed to it. I also made Claims complaints requesting Unauthorized transfers from my savings account as I had absolutely not authorized nor had I been given notice of the transfers or consented to the transfers either and wanted all transactions I had not personally completed myself reversed accordingly. My request was not processed agent disconnected the call without finishing the claims processing as requested.
Product: Checking or savings account

I had several Checking accounts for companies I owned. One day in secret wells fargo started charging accounts that had no maintenance fees. I had set the accounts up when wells fargo was XXXX. They for whatever reason decided they wanted to start charging the accounts a secret fee till there was no money left then closed the accounts without noticed or warning. No mail or correspondence sent. Please help me recover my business accounts with the money stolen. Names of companies XXXX XXXX. XXXX XXXX XXXX, And XXXX XXXX XXXX. Thanks
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from chase to XXXX XXXX XXXX, I purchase a semi truck to start my own business. On XX/XX/2021 I wire {$15000.00} to XXXX  XXXX XXXX account number XXXX, routing number XXXX. Chase keeps telling me that they have completed the transaction but XXXX XXXX XXXX XXXX at XXXX PA keep telling me that the money has not been received by their accounting department. Witch is the account info from above. 
It's a been almost a week and I am sure now that chase is not trying to help me at all, I please help me get my money back.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On this account XXXX XXXX XXXXXXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX  XXXX XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX Balance Owed : {$51.00}, XXXX XXXX-************** Balance Owed : {$270.00},
Product: Credit card or prepaid card

In XXXX, XXXX I paid my USAA credit card balance in full in the amount of {$7200.00} with USAA and requested the account be closed. They assured me it would be. In XXXX, XXXX USAA used my still open credit card account, against my will, to XXXX XXXX {$400.00} into my checking account as automatic over-draft protection. I did not want this as I assumed they had closed this credit card account in XXXX and have over-draft protection on my checking account with USAA in another form. I also destroyed the USAA credit card in my possession in XXXX and never used the account again assuming it was closed. 

Due to USAA not closing my credit card and charging {$400.00} in OD protection after I assumed the account to be closed, I called USAA to complain. They informed me that they could not pull any call recordings beyond XXXX and would not do anything to remedy the issue and would be sending my credit card account to collections. I have now paid the collections action in full but am very upset that USAA did not close my credit card account to begin with in XXXX and that they would not remedy the matter after I discovered what they did and confronted them with the issue. I would like a refund of the late fees and service charges and the negative credit reporting that resulted removed from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters out on XX/XX/2022 and XX/XX/2022 to the three bureaus trans union, XXXX and XXXX. still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


Trans Union 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 



XXXX 1. Validate Account XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX AM Account Number : XXXX Please remove it from my credit report. 





XXXX 1. Validate Account XXXX XXXX XXXXnkruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REGARDING XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX SR LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/2018 AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XXXX XXXX
Product: Debt collection

On XX/XX/year> I was alerted through XXXX of a collection account named XXXXLEVATE RECOVERIES LLC  acct # XXXX with an amout past due {$0.00} and a status of chargeoff/collection.i don't have a contract with is company or any financial obligation this is a fraudulent account that needs to be removed from my XXXX crefit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Mortgage

My mortgage has been with Fifth Third Bank since XXXX. My mortgage payments were {$2100.00} which included my taxes and insurance prior to XX/XX/XXXX. I received a over escrow check in XX/XX/XXXX from the mortgage company for over {$1000.00}. On XX/XX/XXXX I was notified by the mortgage company that my escrow was short {$3800.00}. They increased my mortgage monthly payments from {$2100.00} to {$2500.00} ( a increase of {$480.00} per month ) After talking to several customer service representatives I was told the mortgage company miscalculated my mortgage escrow. I was furious! How can a mortgage company miscalculate someone mortgage to this magitude! i wrote them a letter to which they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain one.
Product: Credit card

To whom it may concern, On XX/XX/XXXX, I submitted a claim to Capital One regarding a fraudulent charge on my card that dates back to XXXX XXXX the amount of XXXX from a company that is called XXXX XXXX XXXX  This is my first experience with such a serious issue, and I was unaware that I had fallen victim to fraud. An FBI agent who contacted me informed me that multiple accounts of mine had been compromised. I indicated that the individual or company responsible has been federally charged and provided a police report I filed earlier this year, along with court documents that clearly outline how the company has defrauded several credit cards, totaling over {$230000.00}. Despite this evidence, my claim with Capital One was denied. 

The subsequent denial I received stated that my claim was rejected because I continued to make payments on the account after the fraudulent transaction occurred. I explained that I made these payments to avoid my account going into collections, which would jeopardize my account status. I have experienced this with another account, negatively affecting my credit, which is crucial for making significant purchases in my life. 

Despite my persistent efforts and concerns, Capital One denied my claim based on date restrictions. Initially, I accepted this decision until I spoke with a close friend who is also a victim in this case. When she filed a claim for a charge dated XX/XX/XXXX, her claim was approved without issue. I reached out to Capital One to highlight this inconsistency in their handling of claims, but they remain unwilling to review the information I provided. I kindly request assistance in resolving this matter.
Product: Debt collection

I have sent several letters to Portfolio Recovery Associates and XXXX XXXX XXXX about the debts listed with their companies. I have asked repeatedly for the actual applications from the company they are collecting for. I get the bills and letters stating that the debt is valid. They have severely damaged my credit to the point I had to hire a credit repair agency. And they are charging me {$1000.00} an account and it's four accounts. I can not afford to have this incorrect information on my credit report due to my employment. These accounts have damaged my reputation so much that I can not get promoted due to the negative accounts. 
XXXX is {$570.00} XXXX XXXX is {$350.00} both with Portfolio Recovery Associates. Letter sent XX/XX/XXXX. XXXX XXXX XXXX has these accounts XXXX {$330.00} and XXXX {$1000.00}, Letter sent on XX/XX/XXXX.
Product: Debt collection

I, XXXX contact Conn 's XXXX account. Conn 's charge off two accounts {$40000.00} # XXXX & # XXXX XXXX charged off XX/XX/2015. They contact me to pay off a balance that I did n't owe the amount there requesting to pay. I read the law if a company charge off a debt they ca n't come back and collection a full balance. We need help knowing what we can do.
Product: Credit reporting or other personal consumer reports

Per XXXX credit report payments were made on the XXXX XXXX loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

XXXX XXXX reported the accounts delinquent for 60/90 days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has inaccurate information about my job and background
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked Ditech to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report, my Name is listed as XXXX XXXX XXXX with a social security number of XXXX. This is not my name or social security number. My name is XXXX XXXX with a social security # of XXXX
Product: Checking or savings account

2019 I think I would sometimes get cash back at grocery store first it wouldn't allowed it then when trying again I got charge over amount and know I had money still in my account I did an over draft got charge more than I was supposed to then before I could make a deposit they closed my account saying I owed money plus the fees didn't under stand about fees every thing you did they charge over payment and it was not even right
Product: Checking or savings account

I initiated a XXXX XXXX  XXXX XXXX deposit to my bank account. On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX. The instant deposit is supposed to credit your account immediately for a fee. The mine did not deposit into my bank account until XXXX days later I had to file a dispute with XXXX and fifth third bank XXXX days later, after following the dispute, the phones became available in my account. However, I had XXXX transactions that came through the account that was not covered because they did not put the funds in my account which was requested to be done instantly because of this XXXX charge me XXXX overdraft payments of {$34.00} each. I contacted this third and was told that they were having issues with XXXX and XXXX XXXX, not depositing monies as they were supposed to but yet still could not refund me my {$74.00} that was charged to my account. This was charged due to no-fault of my own. This was on fifth third bank or XXXX XXXX. I called XXXX XXXX and ask them to give me the funds back and they said no as well so XXXX is blaming fifth third. Fifth third is blaming XXXX. Again fifth third stated that they were having problems with XXXX in terms of depositing money into customers accounts so if you know this information, why are you charging the customers fees because of this