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

I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

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

XXXX XXXX XXXX Original creditor : XXXX XXXX OF XXXX {$430.00} XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$3600.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$580.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX Original creditor : XXXX BANK {$780.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX 
{$3600.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX {$2100.00} XXXX {$96000.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$4900.00} XXXX XXXX {$6200.00} XXXX {$800.00} XXXX XXXX  XXXX XXXX {$30000.00} XXXXXXXX XXXX  {$6200.00} XXXX XXXX  XXXX XXXX {$24000.00} Please be advised I have requested ''validation '' not verification of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MS , XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. 

BAY AREA RECEIVABLES ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt.

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you.

It would be ideal if you provide me with teh following : * What the money you say I owe is for : * Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :
Product: Credit reporting

Since XXXX over and over and over at huge expense have sent proof that XXXX XXXX is gone, forever! Despite receiving the XXXX of XXXX letters, still they put XXXX XXXX on and the XXXX XXXX XXXX for the same exact student loans. XXXX XXXX IS GONE FROM MY LIFE FOREVER, THEY SHOULD NOT BE IN ANY WAY ON ANY OF MY CREDIT REPORTS. Instead it continues to say something like " transferred to another office. '' We all know XXXX XXXX in bed with XXXX XXXX but THEY ARE NOT ANOTHER OFFICE OF THEM. XXXX of XXXX owns the loans, they are XXXX, and they are closed. The only thing that should be on my credit reports is the XXXX of XXXX, period. and they are all XXXX, and they are all closed. XXXX of XXXX said XXXX XXXX would be off last XXXX XX/XX/2014 but there they still are on all my credit reports, like I have XXXX student loans. They are duplicated on every credit report. In addition, always in deferment yet on purpose XXXX XXXX has put " late payments '' AS IF! all gone! ALWAYS GONE! We all know what crooks XXXX XXXX is and I am sick of this when THEY ARE GONE FROM MY LIFE FOREVER. GET THEM OFF ALL OF MY CREDIT REPORTS AS XXXX SAID THEY WOULD BE BY XXXX XX/XX/2014.
Product: Credit card

I paid XXXX using my cash app card to get a phone through XXXX now that phone was never delivered and during this process I disputed the transaction on XX/XX/XXXX to get my money back due to XXXX basically holding it XXXX from there on I was told 7-10 business days cash app would have a resolution. That hasnt happened yet Ive asked for updates and got nothing Ive even shown them a document from a XXXX XXXX  representative stating on XX/XX/XXXX the returned the money to cash app. But yet as of XX/XX/XXXX I have nothing. I simply want my money back to then be able to close my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The law office of Linebarger Goggan Blair and XXXX call my residence looking for XXXX XXXX XXXX. I am not that person. 

I received a letter on XXXX from them addresses to my son. I returned it with the following print " Return to sender ; not at this address. 

On XXXX, they called and left a message on my residence phone. I returned the call and spoke to " XXXX ''. I asked her to remove my name from their call list. She agreed. 

On XXXX, I received an automated call from the law firm. I returned the call and spoke to " XXXX ''. I asked her to discontinue their collection efforts to my telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to 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
Product: Prepaid card

I called XXXX XXXX in reference to transaction from XXXX XXXX XXXX for XXXX wanted this returned to account for no services provided and they Blocked my card and living I the bought new card ending XXXX and tried activating but Netspend told me to email verification ID. Social security card. XXXX bills and I did 10 times to XXXXXXXXXXXX spoke to several foreign degrading reps then. @ XXXX XXXX XXXX XXXX advise they have email.but I will only have unlimited use and I ca n't transfer money from blocked card ending XXXX. This Is only financial Institutions in united states that is treating consumers like this and the Government Needs to shut them.down!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.
Product: Mortgage

My 10 year interest only loan had expired in XX/XX/XXXX. In XX/XX/XXXX, I applied for a loan modification with Citibank. I have all the email requests for multiple requests for the same information, many times. Each time it is submitted to the underwriter, it comes back with a new request, plus a repeat request. It is now XX/XX/XXXX and my modification has yet to be approved or denied. In XX/XX/XXXX, I requested a new person to work my account, received assurances that I would get a weekly update ( email ), never happened. With the new person, he has had 7 months of requests and re-requests with no foreseeable end to this process. In the mean time, my credit is being destroyed. I want Citi to know what is taking place in the business.
Product: Mortgage

I was awarded the haf program in XXXX of 2022. I have been on a COVID forbearance since because haf payments were comming in late into the month. The forbearance has been active since XXXX and payments were getting applied. Until XXXX when they stopped getting applied. I speak to haf and they tell me they sent my mortgage company XXXX, XXXX, XXXX payments and my mortgage hasnt applied them. When I spoke to United wholesale mortgage now they are telling me they probably sent them back to haf since Im on a forbearance until end of XXXX. That doesnt sound right because I been on a forbearance since XXXX and payments were getting applied since XXXX and just stopped in XXXX. I need answers I need my payments applied this a Government program and I was awarded 18 months of payments to my mortgage and they cant just hold the money and not apply it
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a bankruptcy on my credit report and has failed to remove it. I have sent over dispute letters along with the letter from the court house they claimed to have used to verify this inaccuracy proving that they did not receive this information from them because they do not report these kinds of things to credit bureaus. They have placed this information on my credit report and will not remove it as asked. They have violated my rights according to the FCRA because they did not have my permission to violate my privacy and place this upon my report. This being on credit report has caused me great trouble and harm with finding a place to live and so many other life traumatizing things.
Product: Student loan

XXXXNaveint : Loan is a loan that came due in XXXX XXXX upon XXXX. Still paying on loan ( almost 16 years ). Payment was {$390.00}. In XXXX XXXX we requested auto pay be increased to {$480.00} with the goal of paying the balance off in 5 years. Current employer is reimbursing us annually from XXXX - XXXX timetable for the next 5 years for student loan. The XXXX XXXX payment was changed to {$140.00} without our knowledge, consent or direction. when calling them today they said that they did an internal audit that reduced the payment. I told them we had no desire to have the loan extend to the 30 year timeline nor was it their decision to make this change without direction and/or permission. This seems to be an illegal and immoral business practice on their part. It looks like they have been audited on their business practices before. It it has happened to us, I am sure this is a larger global business practice. I pushed payment to them of {$390.00} - supervisor is suppose to manually post it with the auto payment and put our payment back to the {$480.00}. How many customers have they done this to. How many customers are n't paying attention. This error would have also cost us money on re-reimbursement as well as increasing the term of the loan. 

XXXX XXXX
Product: Debt collection

Midland credit and XXXXXXXX XXXX XXXXs are collecting credit card debt for the same consumers. This debt collector represents an inactive debt and is duplicate reporting. Also, I have not received notice of debt ither.
Product: Checking or savings account

A check was fraudulently cashed on XX/XX/XXXX in the amount of {$3800.00}. A claim with Wells Fargo Bank was filed approximately XX/XX/XXXX when the fraud activity was discovered. We received a letter from Wells Fargo Bank dated XX/XX/XXXX providing a claim number and stating that it would take at least 90 - 120 days for us to received the money back from the other bank or correspondence as to why the claim was denied. We have received absolutely no information about the status of the claim and calls to the bank have not been helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Information you provided is incorrect but Ill use the letter you sent to send to the Attorney General to go with my case that was opened. I sent letters to you by certified mail and I sent that documentation to the Attorney General so it shows on record you received the letters I sent you just failed to respond in a timely manner according to the FCRA and the FDCPA. Secondly you continue to send documents to an attorney that I never told you is representing me. They sent letters for me but to file additional charges I chose another law firm. Your letter stated that you received a payment on XXXX, XXXX 2019 which is false because that didnt come from me Ally took a rebate that shouldve been mailed to me. Everything in your letter is false and I have documentation to dispute everything you falsely stated. You continue to mark these letters as a duplicate but I will get this matter resolved legally whether you want to address it or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account that's reporting on my credit report that I have no knowledge of. I never gave anyone access to my personal information to apply for any types of loans. please remove this account immediately. 

XXXX XXXX XXXX OPENED- XX/XX/2016 AMOUNT {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$4000.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXXXXXX {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim if the XXXX data breach there is a Charge off account XXXX XXXX Account # XXXX reporting on my Experian and XXXX credit reports. Both Experian and XXXX have not been able to provide a copy of the 1099-c form or any other documents to verify and validate this account.I am afraid this is a result of the XXXX data breach.
Product: Credit reporting or other personal consumer reports

I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my credit profiles. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. This account was deleted XXXX XXXX and XXXX due to identity theft and this is only in TransUnion. Additionally, there are fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for XXXX XXXX XXXX XXXX XXXX XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.
Product: Checking or savings account

Please find the repeating writing from BMO bank in the attachment, which remains the issues unsolved. BMO bank utilizes CFPBs system to automatically close the case as long as the complaint bank gives a response. Therefore, BMO bank remains the issues unsolved by sending the same response. This kind of responses from BMO bank not only XXXX  customers, but also XXXX  CFPB. Therefore, I strongly recommend CFPB to initiate an investigation process on BMO bank. Please look through the attached customer reviews from XXXX XXXX XXXX website because I have experienced pretty much the same as other customers. BMO bank wrote no bank errors ; however, it is NOT true at all. BMO bank has a lot of bank errors according to the customer reviews from XXXX XXXX XXXX website. 99 % of BMO banks customer services provide me wrong information ; after that BMO bank did NOT want to take their responsibility. 

( XXXX ) From XX/XX/XXXX to XX/XX/XXXX, BMO bank shortly paid me {$380.00} interest. 
( XXXX ) XX/XX/XXXX BMO bank shortly paid me {$3.00} and XX/XX/XXXX XXXX bank shortly paid me {$8.00}. Totally {$12.00}. Every single day when I logged into my account, it clearly indicates that interest rate 0.995 % and additional interest rate 2 %, totally 2.995 %. However, now BMO excused that the rate is variable, so XX/XX/XXXX BMO only paid 0.995 %, XX/XX/XXXX only paid 2.22 %. How much interest rate will a bank pay to the customers should tell beforehand! Also, the rate should NOT differ from what shows in the account. Otherwise, it is cheating. 

I strongly recommend CFPB to conduct a thorough investigation on BMO bank and BMO bank should pay me totally {$390.00}. 


Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XX/XX/XXXX Last XXXX of SSN : XXXX DOB : XX/XX/XXXX To Whom It XXXX Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX  CA XXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never had an account with this company this is not my debt I have taken in my driver 's license and disputed it multiple times and it still showing up on all three reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau Dear Sir/Madam , I hope this letter finds you well. I am writing to formally bring to your attention a concerning matter regarding my interactions with Capital One Bank, as detailed below. 

On Thursday, XX/XX/year>, at approximately XXXX XXXX Eastern Time, I spoke with Supervisor XXXX, who informed me that an investigation concerning my account had concluded on XX/XX/year>. Regrettably, I was not informed of this conclusion. To my surprise, on XX/XX/XXXX and XX/XX/XXXX, Supervisors XXXX, XXXX, XXXX, and XXXX had all indicated to me that the investigation was still ongoing. Supervisor XXXX further conveyed that Capital One often fails to adhere to its own outlined processes, as documented in their email communications. 

Throughout this ordeal, I have engaged with over 50 customer service representatives and 10 supervisors, none of whom informed me that the investigation had been completed. This lack of transparency and inconsistent information has left me deeply concerned and frustrated. 

Given my current health emergency, I urgently request Capital One to either grant me access to my account or transfer the funds to a linked account, as explicitly stipulated in their correspondence. Their emails have assured me that deposits could continue to be made, yet I have been denied access without justification. 

Additionally, I must highlight that due to both health concerns and the evident disregard for transparency by Capital One, I am hesitant to visit a branch in person. The repeated misinformation and apparent mistreatment have not only jeopardized my financial stability but have also compromised my dignity. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene on my behalf. I believe that Capital One 's actions have been unjust and have caused me undue stress and financial hardship during an already challenging time. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue swiftly. 

Very respectfully, XXXX