23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was hoping to qualify for the PSLF. I have worked for the same qualifying employer for 13 years. This year, I made my 120th consecutive on-time payment this year ( the requirement for the program ). However, I just received the letter saying I still have seven more years to pay because I consolidated the loans in 2015 ( as I was advised ). After calling and talking to many customer service representatives, nothing can be done in my case ( other than pay for seven more years and then be reconsidered ). I did my part and paid my 120 on-time payments. I had no idea consolidation would affect this, or I never would have consolidated.
Product: Debt collection

Recievable Performances had been given a alleged debt by XXXX account # XXXX and has also place this debt on all three of my credit files, after having this debt disputed to XXXX and also with the consumer financial protection bureau there are the results : We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. when pull credit files this debt is still posting to my credit files please have this deleted from all credit files, XXXX thanks
Product: Checking or savings account

I deposited a cashier 's check in person at my local BOA branch on XX/XX/24. I was informed a portion of the monies would go out and the remaining funds would be available XX/XX/24. The teller provided me with receipts and verbally confirmed. There was no partial funding available and now the hold has been extended to XX/XX/24. I contacted BOA via online and phone, representatives were unable to provide me with any detials. I contacted the bank where the cashier 's check was drawn under and they informed me the check was not deposited by BOA until XX/XX/24. I understand there are policies and regulations but a XXXX  day hold on a check is absurd especially since the check is a cashier 's check not a personal check. And the bank the cashier 's check is drawn under is a reputable bank. How frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XX/XX/2021 XXXX XXXX requested her Transunion personal credit report several days ago. Transunion sent XXXX XXXX her credit report which is dated XX/XX/2021. We received her credit report on Monday XX/XX/2021. We found that the envelope was NOT sealed ( opened XXXX, the envelope was NOT cut, the glue was NOT transferred to the other part of the envelope. Pictures of the envelope will verify what i am stating is true! We then removed the credit report out of the envelope and found page 13-17 separate from pages 1-12. Now, when the credit report is generated, it come all together and in order which means, TransUnion failed to secure the envelope prior to mailing the credit report. Furthermore ; Transunion compromised XXXX XXXX personal information such as full name, address, and date of birth, partial SSN #! Since this occurred, XXXX XXXX personal information is in the possession of another person, shared personal information to strangers that XXXX try to commit fraud with her personal information! Now, envelopes/packages are supposed to be sealed when mailed! Pictures of envelope are available upon request!
Product: Mortgage

XX/XX/XXXX,, Yes I Did Received A Very Postive Respone From Wells Fargo Bank about Some Of My Complaints,, Last Letter sent was Mailed To Me On,, XX/XX/XXXX,, Still Needs More Work,, Plus, Now In Question,, Title Deed,, Mortage,, ( Deceased Parents )? Ect,,,,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 an account opened with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in the amount of {$730.00}, being collected by XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}, being collected by XXXX. XXXX, XXXX under the account number XXXX. An account opened with XXXX XXXX on XX/XX/XXXX, in the amount of {$230.00}, being collected by XXXX. XXXX, XXXX under the account number XXXX. 
An account opened with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1700.00}, being collected by XXXX XXXX XXXX under the account number XXXX. An account opened with XXXX on XX/XX/XXXX, in the amount of {$210.00}, being collected by XXXX XXXX XXXX under the account number XXXX. 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. 
List of HARD INQUIRIES : XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX VIA DEALER ( Finance ) on XX/XX/XXXX XXXX ( Bank ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX  ( Bank ) on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Chase changed my email and mailing address information for my checking, saving, and credit card accounts without my authorization, without verifying my credentials, without my knowledge, or without notifying me. I have never lived at or been associated in anyway with the address Chase changed it to. Upon learning about the error, I corrected my contact information online and over the phone with a customer service representative. About ten business days later, I received mail from Chase informing me XXXX address change notifications have been sent to my incorrect and correct address. I called Chase customer service immediately for resolution. I learned their standard address change process includes XXXX automated mail notifications sent to the incorrect and correct address, their system takes 30 days to update the corrected information, and mail can continue to be sent to the incorrect address for up to 90 days. Their contact information update process is inefficient and more importantly does not protect personal/financial confidential information. Their process is a violation of information security. My personal banking information has been sent to an incorrect address without my knowledge, authorization, or notification of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed that there were two credit inquiries on my report that I have know knowledge of. These inquiries are on my credit report and are not at all mine. I ask that you review these inquiries and have them removed from my report. If you cant show proof that these inquiries belong to me then I demand that they are removed. The inquiries are : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other attempt to inform TRASNUNION Credit Bureaus that I am a victim of identity theft and to express my dissatisfaction with particular records in my file as a result of their misconduct. The records I'm looking into have nothing to do with transactions that involved me or my authorization to acquire ownership of any things, services, or money. Block the appearance of any information in my credit report that was allegedly obtained through fraud, assuming no one is interested in it. TransUnion Credit Bureau is legally obligated to erase any items or information that are discovered to have been opened as a result of identity theft under Section 605b of the FCRA. 
XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

Im writing to you because i noticed you are reporting a violation on my credit report. Please get this matter handled based on my instructions below This collection is reporting a past due and needs to be removed from my credit for violation. 
Please remove it from my credit report. 
And capital one I never had account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

their customer service would not help and take care of the negative inquiries reporting to your credit report. 


+ All Banks XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX/XXXX Inquiry from XXXX XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXXl XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Sales Financing XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX, XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies
Product: Debt collection

XX/XX/XXXX Dear Early Warning, Thank you for contacting in regarding the matters of concluding I have no consumer rights in regarding to my right to privacy pursuant to the Act 1974. I'm providing you honor and convenience and demand the same throughout this process. 

I have received my consumer report via " secured portal '' and demands for you to provide the terms and conditions under the ESIGN Act. I fail to believe such report/file is full disclosure and demand the full disclosure pursuant to FCRA. 

Since my signature was required under duress to receive my file, a financial interest in your company according to the Prospectus form pursuant to the Securities Exchange Commission, which injures and violates me. 

I accept the offer after receiving my consumer file conditionally on Early Warning providing full disclosure of the file and after receiving such file under UCC 1-308 without prejudice. This is my notice to inform you after receiving my consumer file. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$81.00} XXXXXXXX XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to E

xeter for the same amount. Exeter never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so Exeter Finance has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Equifax continues to report this alleged bankruptcy with no validation. I called the clerk of court, and they stated that the court DO NOT release bankruptcy information to anyone that is not a party to the filing or the attorney, this means that it is impossible for Equifax to validate this alleged bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting an incorrect coding of the XXXX/XXXX  - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This has cause me great XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Assistance with Experian Dispute Dear CFPB Representative, I am writing to request your assistance regarding an issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite my efforts to resolve this matter directly with them, I have encountered significant difficulties.

I recently discovered that an address that I have never lived at is listed on my credit report. This inaccurate information is negatively impacting my credit score and my ability to
secure credit. I have attempted to dispute this information with Experian multiple times, providing evidence including Driver 's License, Electric Bill, Car Insurance 2 FTC reports with my address listed on there. 

Unfortunately, Experian has not cooperated in resolving this issue. They have either failed to respond adequately to my dispute or have not removed the erroneous address from my report. This lack of cooperation is concerning, as I am committed to maintaining an accurate credit history. 

I kindly request your assistance in addressing this issue. I believe that your intervention could help facilitate a resolution with Experian. I have attached copies of my correspondence with Experian and any supporting documentation for your review. 

Thank you for your attention to this matter. I look forward to your response and hope for a prompt resolution. 

Sincerely, XXXX XXXX XXXX THERE ONLY NEEDS TO BE 1 ADDRESS ON MY REPORT
Product: Debt collection

I am being contacted by an unknown ARS collections for an unknown business that I have never received service from. When I try to speak with someone who is aware of the debt, no one has heard of the debt except for ARS collections. I believe that they are fraudulent and are scammers as well. Asking for a debt to be paid that doesn't even exist.
Product: Money transfer, virtual currency, or money service

Got call with Wells Fargo in caller ID 2 days after my debit card was compromised. Caller said someone trying to wire funds from my account. Caller correctly verified y last 3 transactionsand said I had to wire funds to investigator to stop wires from going through. I only thought it might have been legitimate because of recent fraud on my account. Wells Fargo has refused to return scammed money, despite being an excellent customer for 30+ years. supposedly the daily max for wires is {$5000.00}, but I was allowed to wire {$12000.00}.
Product: Money transfer, virtual currency, or money service

Transaction numbers : XXXX and XXXX provided and PayPal is refusing to refund me or take actions against the fraudster, XXXX XXXX XXXX. I sent and he received {$69.00} for a proposed Initial set up services fee plus a {$99.00} PROMO discount fee. Yet, XXXX pushed the themed that he was a massaeur and going to provide massage therapy sessions, per my request. Unfortunately, last minute ( yesterday ) and send a message, " something came up '' and he needed to postpone. I learned today that the " something that came up '' involved his " grandma '' who needed funds to cover for her " XXXX '' treatments. He proceeded to request more money from me and when that did not work, he asked that I send him a second payment of {$99.00} to which I responded, " I do not feel comfortable doing that, '' and STRONGLY encouraged him to reach out to PayPal ( if he did not receive the funds ) to find out what was happening. Ultimately, PayPal excused themselves from the matter and XXXX XXXX has sought to end any further communications with me. SCAMMED, " fantasy romance services. ''
Product: Debt collection

My complaint is against Midland Funding , LLC. I question whether they really own this debt. I now have a judgment because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not as if it comes with or as a big surprise but during the process of Obtaining two separate school loans I was led to believe that my payment would always remain manageable and that I would have nothing to fear when graduating only blue skies ahead however I was fraudulently led to believe that the payment would not adjust and yet it did and skies became quite a bit more gray. I am aware of the US government is suing XXXX XXXX XXXX and many other entities For fraudulently issue in student loans without disclosing variable rates against the fair lending credit act end it is a violation of the fair credit reporting act to report such fraudulent loans on my credit. I have opened disputes to ask for original amount of the loan an original signature is agreeing to those amounts Yet all three credit reporting agencys failed miserably and following the FCRA in verifying those facts with access capital.