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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit card or prepaid card

After an online application, I received correspondence from Bank of America stating possible approval of a business credit card for our non-profit corporation [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX if we secured it with a Bank of America Certificate of Deposit. I spoke with XXXX XXXX, a BofA small business specialist, and mailed checks to open a {$1500.00} CD with the bank. Additionally, I signed and returned [ by delivery confirmation XXXX all documents as directed in the correspondence I received from the bank. 

After not receiving the card in a reasonable amount of time, I called and attempted to speak to someone within the bank to check on the status of the promised credit card, secured by our Certificate of Deposit with Bank of America. After being placed on hold for up to 45 minutes one agent informed me that they had not received all required documents XXXX which were sent with delivery confirmation!!?? ] ; and that after we received the card it would require payment of balance in full at the end of each month. 

We feel very uncomfortable and do not desire to continue in any banking relationship with Bank of America. We feel that we were misled and given incomplete information. We feel that after depositing our monies, we 're not given the respect of attention to our concerns and return of our calls. I 've left at least three voice mails with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without the courtesy of a return call all day. One female agent I spoke with today was very insensitive and condescending in her conversation with me. I 'm a XXXX years old semi-retired XXXX. I think all people deserve common respect.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt due to me never having a contract with this corporation also it is illegal and unlawful to attack someones credit report 42 USC 408, 15 USC 1681 which states I have the right to privacy and my credit should not have been attacked without written consent from me. They are also in violation of RICO for double dipping
Product: Credit reporting, credit repair services, or other personal consumer reports

False reporting by 2 creditors on my credit report, the creditors adds on my credit file that I am delinquent in making my payments more than 2 months, they have been doing this for the last 10 years and I have tried to get this corrected recently because I now have gotten myself on track with keeping my credit score fairly decent the past 2 or 3 years but it continues to go down because of false reporting! I have 2 accounts that are fraudulent reporting on my credit file. I need them removed ASAP but, I need some help in doing so! 

I have had this disputed to XXXX, XXXX  and XXXX and all was reported as accurate! All Lies!!!!!!
Product: Student loan

I submitted a request to Navient to have my cosigner released from my private student loans was was denied because " I failed to meet the eligibility criteria for a cosigner release due to the following reason ( s ) : insufficient income//proportion of loan balances to loan amounts too high//amount owed on accounts is too high ''
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

On XX/XX/XXXX I submitted a personal loan request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished loan threshold at XXXX XXXX XXXX XXXX and was later denied credit. Had I known or had any transparency from XXXX I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed inconsistency and errors on my report. XXXXXXXX XXXX XXXX XXXX. Please investigate. This is unlawful to have incorrect info on my report.
Product: Student loan

I would like my loans to be included in the lawsuit for not being told about the income base repayment program for years and years leaving me with a crushing debt over my head. If I do ever get a good paying job, the loans will keep me in poverty for the rest of my life. I owe over 120,000 for a bachelor 's degree. I reached out to XXXX and no response and now they transferred everything to this new lender aidvantage so I really cant get any answers now.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



( XXXX. XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on 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 others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX XXXX  account # XXXX NOT MINE XXXX XXXX XXXX Accounts # XXXX NOT MINE XXXX XXXX Account # XXXX NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Good day. Its been a very tough time for me and my family. I am a victim of identity theft and have reached out to transunion with an FTC report to get these inquiries off before that are not mine off my report. All those inquiries on my report are not mine. I have submitted an FTC report attach with proof of my identity to get these inquiries remove immediately. These inquiries are stopping me from getting things together for me and my family. Please help me help my family.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I graduated from XXXX  school in XX/XX/XXXX and consolidated my federal loans through XXXX XXXX XXXX My loans were sold once to XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) and then to Fed Loan Servicing Center ( XXXX ) where my loan is currently. Per Fed Loan Servicing calculations for the loan forgiveness program, I am missing 24 payments between XX/XX/XXXX-XX/XX/XXXX. I am unable to contact or verify payments with XXXX XXXX XXXX because this company dissolved/went out of business. I was never notified about this company closing or I would have requested copies of all of my documents. I have tried contacting Federal Student Aid but even their support services were unable to direct me on who to call or contact about this matter. This is unacceptable and I, as a consumer, should not be held accountable for the mishandling of student loans when I have never missed a payment, been delinquent, or defaulted in any loan I have ever held.
Product: Credit card or prepaid card

I have at least 8 retail credit cards with Synchrony Bank. Most there is no balance, I have used them in the past and paid them off. There are 4 with balances but two have been used often and paid off in full. In one day they closed all my accounts ... .when I contacted them they stated a high risk. It didn't make sense when I have always made my payments on time, and just recently opened a new account with them in less than a month. Reason the customer service representative stated was not valid for anything pertaining to me. Plus I have 4 that I regularly use and they closed them as well. I know this will have an impact on my credit. What is also puzzling is that they raised my credit limits in the fall of last year. There has to be something that can be done. This will hurt my debt ratio on my credit which in turn will affect my score. Please help.
Product: Credit card or prepaid card

I tried to close my account by sending my chopped up card back, but Barclay 's kept putting the {$99.00} on my bill. When I called, the operator said that they ignored my returned card because I didn't handle the refusal in " the proper way ''. Also, that I was paying for the past year. 

I was astounded because I have all original sign-up for the card, and it clearly states, the annual fee is paid at the beginning of the membership year. Furthermore, the notice of new fee was sent in XXXX. My membership fee according to my sign-up was to be XXXX. 

The operator was very rude. 

I waited until another bill was received. Again, another {$40.00} in fees. I called again. This time I got a very nice operator. However her accent made her difficult to understand. She told me my account was closed. I asked to speak to a supervisor and someone who might be easier for me to understand because I have a hearing problem. I was put on a XXXX minute hold. No help was available. I continue to get bills. I had an XXXX credit score that is now down t0 XXXX because of a delinquent account from Barclays. I continue to get bills. 

Amusing detail : Apparently, Barclays has taken over accounts for XXXX and XXXX XXXX and has sent me credit cards for these accounts. I'll probably send them back as I never want to do business with this company again!
Product: Checking or savings account

XX/XX/ Welcome to Chime email. ( I did not open an account ) XX/XX/ This is to inform you that the phone number associated with your Chime account has been updated to XXXX XXXX XXXX XXXX email. ( This is not my phone number ) XXXX Your card is on the way email. ( I did not request a card ) A dozen more emails through XX/XX/ when I complained about both the emails and the supposed account that I did not open. 
Emailed response : Send us your Social Security #. 
They also want a police report on identity theft. And in another email, they have asked for a picture of a government ID. 
NO WAY! 
These people have a rampant history of opening accounts without permission and sending out cards to people. They always refuse to do anything about it without Identity verification and usually require SSN and Driver 's Licenses, from what I have read of other people 's complaints all over the internet. 
I have notified the company that they are in error. I am NOT giving them ANY Personal Identifying information ; whatever they have- they obtained illegally. They are not trustworthy and I should not have to given them information they can harm me with. 
I don't believe my identity was stolen, unless it is stolen by Chime.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$25000.00} in XXXX of 2022. Happy Money ( Payoff ) was the intermediary between myself and the Lender, XXXX XXXX XXXX XXXX XXXX. I paid the loan off within the year but never received any official written confirmation or correspondence stating the loan was paid off.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXXXXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

I was never sent any documentation or validation notice of this debt. 
That is against the law. 
The creditor has broken the law and this DEBT needs to be REMOVED from my credit report ASAP. 
This DEBT is not mine and NO attempt has been made to validate this debt.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received a phone call from this Debt collector claiming that I have and outstanding debt, I received the same calls from a different last year, but with different phone numbers, on XX/XX/XXXX, The first message I received on my Landline, The message said this was for me, and the person leaving the message did not Identify where he was calling from, he left a message saying : We would love to bring your account current. Take advantage of the Clients 50 % your balance today. This message was received on XX/XX/XXXX @ XXXX and XXXX XXXX. The other messages were left on my Cell phone, It was a Lady calling from CB MERCHANT SERVICES. She didn't say who she was asking for. Just left a message this is from a Debt Collector, and to call XXXX or XXXX. How do I know if the person calling me is same person from the Debt collect she saying she's calling from. This is HARRASSMENT! I want this to stop. I don't have any outstanding debt. I haven't received any letters, so I know this is a SCAM I will not contact them. Why are they contacting me again after a year?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written complaint that the following inaccurate items is a result of non-factual reporting. The items are as follows : XXXX XXXX XXXX  XXXX This account reflects 2 consecutive months of 120 days past due in XX/XX/XXXX and the same in XXXX XXXX.You can not have more than 1 month with the same number of days past due. Also the account shows 8 charge offs. An account can only reflect 1 charge off. This is non-factual reporting Please remove this account. XXXX XXXX/XXXX  XXXX This account reflects 2 consecutive months of 120 days past due in XX/XX/XXXX and the same in XXXX XXXX.You can not have more than 1 month with the same number of days past due. This is non-factual reporting Please remove this account. XXXX  XXXX XXXX  XXXX This account shows 19 charge offs. An account can only reflect 1 charge off. The last balance date and status date should match. This is non-factual reporting Please remove this account. XXXX XXXX XXXX Balance owed is incorrect. Balance is XXXX. Account no longer with the creditor. This is non-factual reporting. Please remove this account. XXXX XXXX   XXXX From XXXX This account reflects 8 consecutive months of 120 days past due. You can not have more than 1 month with the same number of outstanding days past due. This is non-factual reporting Please remove this account. XXXX XXXX  XXXX From XXXX This account reflects 8 consecutive months of 120 days past due. You can not have more than 1 month with the same number of outstanding days past due. This is non-factual reporting Please remove this account. XXXX XXXX XXXX From XXXX This account reflects 8 consecutive months of 120 days past due. You can not have more than 1 month with the same number of outstanding days past due. This is non-factual reporting Please remove this account. XXXX XXXX XXXX From XXXX This account reflects 8 consecutive months of 120 days past due. You can not have more than 1 month with the same number of outstanding days past due. This is non-factual reporting Please remove this account. XXXX XXXX OH XXXX This account reflects 2 consecutive months of 120 days past due in XX/XX/XXXX and the same in XXXX XXXX.You can not have more than 1 month with the same number of days past due. This is non-factual reporting. Please remove the account. XXXX XXXX XXXX XXXX There should not be a balance due if the status reflects that this was sent to a collection agency and the account also reflects 3 chargeoffs.An account can only reflect 1 charge off. This is non-factual reporting Please remove this account. XXXX XXXX  XXXX The last balance date and status date should match. This account shows 17 charge offs. An account can only reflect 1 charge off. This is non-factual reporting Please remove this account. XXXX XXXX   XXXX The last balance date and status date should match. This account reflects that this was a loan. This is non-factual reporting Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, XXXX report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.
Product: Debt collection

See attatched *FTC ID THEFT report case XXXX See attatched *CRIMINAL INVESTIGATION letter of XX/XX/XXXX PROOF DELIVERIES NOT MADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX MY ADDRESS XX/XX/XXXX. * USAA  CONFIRMS NO ID THEFT OCCURRED. I filed IDTheft, as is MY RIGHT, using the FTC web ftc.gov ID Theft Guidelines. You can view this on line, USAA. FTC web ( Our AUTHORITIES ) Under Disputing Credit Card Charges ( FCBA ) under billing errors CLEARLY STATES. ( *UNAUTHORIZED CHARGES ) * I have definitly had.. AND ( ** CHARGES FOR GOODS & SERVICES YOU DIDN'T ACCEPT OR THAT ** WEREN'T DELIVERED AS AGREED. ) I had also. USAA these are the guidelines I used in submitting this ID Theft Report. WHAT GUIDELINES ARE YOU FOLLOWING CONFIRMING IT IS NOT ID THEFT?