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

This is my several 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, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I paid off my mortgage loan with Mr. Cooper over a year ago, but I have not received my official payoff letter despite multiple attempts to obtain it. 

I first requested the payoff letter after my final loan payment, but I never received it. 
I have called Mr. Cooper multiple times, but I am only directed to an automated system that does not provide the document or connect me to a live agent. 
I also checked my online account as instructed, but the payoff letter is not available there. 
I need this document to cancel my homeowner 's insurance policy, but the insurance company will not proceed without it. 
As a result, I have been forced to continue paying for an unnecessary insurance policy for over a year. 
I am requesting that Mr. Cooper promptly provide my official payoff letter so I can cancel my insurance and avoid further financial burden.
Product: Credit card or prepaid card

I received a direct deposit to my account on XX/XX/2020 for unemployment. I have a Pnc Smart Access Card and they have now put a hold on my account and I dont have access to my money. They will not give me a time frame.
Product: Debt collection

I been sending dispute letters about a medical collection by certified and return receipt thru the united state postal service and the collector RGS financial never send me the validation papers request
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquires on my report from an account that was already paid in full and closed for over 3 years.
Product: Checking or savings account

Around XX/XX/2023 I purchased a laptop from XXXX using my navy federal debit card. 
during the purchase of this laptop, I was harassed and stalked by XXXX police department. I wrote XXXX about their discrimination and still have received no response. XX/XX/2023 the laptop commenced a loud noise and caught fire. 

due to the discrimination and fear for my life I was frightened to return to the store. 

I disputed the charge. Navy federal refunded the money back with a pending investigation note attached. 

Sometime later I noticed my account negative. I called and wrote NaFed telling them I was not notified nor questioned during the investigation nor given a heads up about the dispute. 

my employment check was taken, my account closed and my credit card ruined. I was evicted and my credit is reporting as bad. 

breach the covenant of good faith and fair dealings, fraud, misrepresentations, conversion, breach of contract, abuse if authority and bad, abusive and unfair business practices and acts. 

their actions violate consumer right to fairness, to be heard and redress of grievances.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX  on XX/XX/XXXX under the account XXXX ( private ), a furniture loan account opened at XXXX XXXX opened on XX/XX/XXXX XXXX ( private ) XXXX XXXX XXXX  opened on XX/XX/XXXX under account XXXX ( private ) Telecommunication accounts opened for XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX  on XX/XX/XXXX under the account XXXX ( private ), for insurance XXXX on XX/XX/XXXX under the account XXXX ( private ) XXXX XXXX  opened on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under the account XXXX ( private ). Personal installment account opened at XXXX XXXX opened on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX opened on XX/XX/XXXX under account XXXX. For apartment at XXXX XXXX  XXXX XXXX  on XX/XX/XXXX under account XXXX ( private ) and XXXX XXXX  at XXXX XXXX XXXX on XX/XX/XXXX under account XXXX ( private ), Pay loan for XXXX XXXX opened XXXX XXXX under account XXXX and XXXX XXXX XXXX on XX/XX/XXXX under account XXXX that appears related to the aforementioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Payment of home equity loan made not properly applied. i made payment of {$2000.00} and out of it about {$170.00} is interest but the Loan servicing is applying most of it towards interest and the rest to principal. I called several time. Looks like they do not care
Product: Credit reporting, credit repair services, 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 as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$21000.00}
Product: Debt collection

A loan was taken out in XX/XX/XXXX for {$1000.00} by XXXX XXXX. The loan payments were made for about 6 weeks totaling roughly {$500.00}. After that, XXXX was unable to make any more payments on this loan and defaulted. He was contacted in XX/XX/XXXX by XXXX XXXX XXXX on behalf of XXXX XXXX in attempt to collect on the loan. A settlement was reached of {$310.00} and would be paid by three payments. The settlement was paid and assumed a closed matter. Fast forward to XX/XX/XXXX and XXXX is now receiving calls on this debt from XXXX XXXX XXXX XXXX in an attempt to collect. XXXX has sent them the settlement release form that was received from XXXX XXXX XXXX and they are not attempting to resolve this. XXXX considers this debt to have been resolved inXX/XX/XXXX and is not favor of harassing calls 2 years later after hearing nothing since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

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

we need to update all three credit files at Transunion and XXXX and XXXX. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.
Product: Checking or savings account

We have been dealing with Wells Fargo on getting a charge reversed where a vet service charged my card on file without permission the day of service on XX/XX/XXXX. They sent him me an invoice also which I sent out a check for not knowing that they had charged my card. Once I found out the card was charged I filed a claim with Wells Fargo that the card was fraudulently charged. I spent about 2 hours with a banker in the branch who got the claim started named XXXX. After that I had to come back and spent another 2 hours with a banker named XXXX also. A claim was put in for {$4500.00} to be investigated and I received a credit of {$4500.00} into my account. After some time I received a letter saying that the investigated was complete and found that the charge was not fraudulent and took out {$4500.00} from my account. They then re escalated it and requested more info. I provided them with the check that was deposited by the vet and with a letter from the vet stating that they were already paid by check and the charge should not have been done on the card. I waited for the resolution of it but Wells Fargo came back and once again said that they did not believe it to be fraud and would not put the money back in my account. I got it re escalated once more and this time talked to a manager named XXXX on their resolutions team she then transferred me over to the claims department to start up a whole new claim as the previous one had been closed. I spent about 2 hours on the phone with someone whom we told the whole case to and said she started a new claim for us. While waiting for a claim number she gave me an email to send the documents to once again. She could not provide me a claim number as she said it would take 24 hours to populate and to call back the claims department the next day. I called back the next day and waited on hold for a little over 1 hour. After getting someone and asking for the claim number they gave me my old claim number. After telling them this was the old claim number I need the new one they said that no one had submitted a new claim and that one did not exist. I escalated this to a manager named XXXX. Immediately XXXX was rude and just talking over anything that was being said. He kept telling me the old claim is closed, that we can not open a new one even though a person the previous day stated that they did open one.
Product: Credit reporting or other personal consumer reports

Hello, I've had issues in the past with Equifax reporting for some reason my score keeps jumping and dropping the same amount of points ( XXXX ) in the last couple of days. Previously, this had happened and resolved in XX/XX/year>. Can you please look to see what is going on with my file, I recently legally changed my last name not sure if that has anything to do with it. My utilization hasn't increased dramatically and my score keeps teetering.
Product: Other financial service

Signed up for Lexington Law and was told that I can cancel at anytime called 2 days after signing up to cancel because the rep was trying to charge me XXXX dollars to start and I started that was a tad bit steep considering the amount of items I had. I was told they was going to lower the bill due to keeping me from leaving. The rep told me he would tackle the items that I requested him to. As of Tuesday XXXX XXXX, 2016 they sent off disputes for items that I did n't need them to. I called on XXXX/XXXX/16 to cancel before I was due to get charged on XXXX/XXXX/16 to cancel because I was unhappy with their services and I was told because they sent off 5 disputes in which 2 of them I requested that they do n't do it before they did it anyway. I had to pay for their services. I told them that they services was n't rendered as stated and I wo n't be paying them anything. I was told they will take the funds off my card anyway.
Product: Money transfer, virtual currency, or money service

There are people working in various Companies such as XXXXXXXX XXXX XXXX XXXXXXXX XXXX, etc.. are not giving back the money which has been sent to various countries for them to calculate their annual foreign XXXX XXXX XXXX compliant report. Besides some one else is using my personal account in sending money.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am XXXX XXXX permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES INCLUDED IN DISPUTE NOT TIED UP TO POSITIVE ACCOUNTS XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed with a request for signature Equifax a letter on XX/XX/XXXX, addressing their inability to verify the information I provided. Recently, about three weeks ago, I submitted the same information to the CFPB to rectify the situation. However, I received three separate letters from them dated XX/XX/XXXX ( twice ), and a corrected report dated XX/XX/XXXX. Unfortunately, the report still lists an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have never lived in my life.
Product: Student loan

Hi there, My name is XXXX XXXX, and I graduated from the University of Massachusetts Boston in XX/XX/XXXX with XXXX XXXX XXXX XXXX. 

I came to the United States in XXXX as an international student. During the XXXX pandemic, my family faced significant financial difficulties, which forced me to pause my academic studies for XXXX months. In order to continue my education and pay bills as an out-of-state student, I applied for a private student loan from XXXX XXXX. At that time, I had no option to apply for federal student loans. XXXX XXXX offered me a student loan program with a 13 % APR for XXXX academic years, totaling approximately {$100000.00}. 

I sought assistance from my university, but unfortunately, they were unable to provide support and referred me to private student loans with higher interest rates. However, in XXXX, I obtained my permanent resident card in the United States, making me eligible for in-state tuition, which is XXXX times less than the current loan debt I have. 

In XXXX XXXX, I refinanced my private student loan with XXXXMohela to lower the interest rate. I was able to reduce the APR from 13 % to 8.25 %. Since XX/XX/XXXX, I have been making monthly payments of {$880.00} over a XXXX period to repay my student loan. This has become a significant financial burden. Additionally, I got married in XX/XX/XXXX, and as the head of my family, I am supporting my wife, who is currently pursuing her PhD at XXXX. 

I am reaching out to request your help in finding a solution to reduce this financial strain. I am open to working with my current lender or exploring alternative options with you. If you need any additional documents or information, please let me know. Resolving this issue would not only improve my financial stability but also alleviate stress in my personal and family life. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card

I opened an account with XXXX on XX/XX/2021 the limit was {$230.00} I missed a payment and when I got caught up they dropped my credit limit lower then reported it to the credit bureau as over the limit. My account is showing different balances on all 3 bureaus sites. I've reported inaccuracies and all the bureaus say is resolved by data furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple credit open and closed accounts, names and addresses that I dont recognize on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent response to my latest disputes, I am totally pissed that after multiple dispute letters this items still can be found in my credit record. I have told you that this is in direct violation of FCRA 1681.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts with XXXX XXXX. Those XXXX accounts DO NOT BELONG TO ME. I have called and mailed XXXX XXXX. When I call in I am told that these accounts and identifiers they have mailed me do not show on my social security number. They evidently belong to a different XXXX XXXX XXXX. Yet they appear on my credit reports all XXXX bureaus. I dispute them with the bureaus they come back as mine. So, I dont know how to resolve this if a. ) XXXX XXXX does not show them under my social security number to pull them up when I call. b ) when I mail them with the info this is what they give me back. NOTHING. just standard b.s.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

This is my 5th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting this CFPB XXXX to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( 16th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. 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. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. The accounts 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 completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/2012 XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, or personal loan

I took a personal line of credit ( payday loan ) out from this company and have been trying to setup a payment plan for my balance with no help. This company is charging me 299 % interest on a {$850.00} loan and they have a daily interest rate which every 14 days is costing me almost {$100.00} in interest. CashNetUsa is robbing people from their hard earned money. Something has to be done about the outrageous interest rates they charge. I have paid over $ 600+ in fees and interest already this year on a {$850.00} line of credit this is beyond a good company this is a scam and fraud.
Product: Debt collection

My account was paid off onXX/XX/ thru XXXX XXXX. I received a letter from XXXX stating the account was paid in full. 3 years later XXXX XXXX started harassing me trying to collect on the same account. They have reported it on my Credit report. I have submitted my letter of proof and they have not budged to take the account off. They are still stating this account is in colections.
Product: Credit reporting or other personal consumer reports

JPMCB CARD unlawfully obtained my XXXX credit report XX/XX/2024