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

I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. On XX/XX/2024, I provided adequate notice to the Consumer Reporting Agencies ( Experian, XXXX and XXXX ) that information in my consumer file such as false names addresses and my non public information needed to be deleted and removed from my consumer report. I only have 1 name 1 address that i receive information. I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX North Carolina Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX  Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX North Carolina XXXX These inaccuracies has to stop, you are causing me embarrassment and impeding my right to fairness. DELETE IT NOW
Product: Debt collection

In XX/XX/year> I had XXXX on my XXXX which put me out of work for some time. I contacted citi bank and told them my situation and they wasnt willing to pause or lower my payments. I recently checked my XXXX XXXX account and seen a company named XXXX XXXX XXXX on my report which Ive never heard of so I found their info on XXXXe. Once I called them I then was told another company now owned my account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To my knowledge the debt collectors are supposed to make me aware of my debt and they didnt. Second they say I owed over XXXX XXXX dollars when my credit limit was only around $ XXXX {$2500.00}
Product: Student loan

Navient is calling my phone 4 to 5 times a day asking have I found a job trying to advertise consolidation it's making me feel harassed especially because I am XXXX having XXXX XXXX and XXXX   XXXX, XXXX and XXXX these phones are XXXX me out I asked several times for them to put me on the do not call list but they still won't listen even though I change my number they get my new number and call me repeative I'm very XXXX  now I'm just thinking about canceling phone service all together
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me XXXX XXXX, to the point where it is affecting my XXXX XXXX XXXX I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I initiated a dispute on an XXXX XXXX XXXX XXXX collections account reported on my Equifax credit report. I called Equifax and gave details on the reason for the dispute and I followed up with a 3 page written document explaining the reason for the dispute, which document I mailed to Equifax in XXXX Georgia. To my surprise, Equifax sided with the collections account without carrying out any independent investigation. I was informed by the Equifax representative I spoke with that the investigation process involved sending my dispute documents to XXXX   XXXX XXXX  XXXX  XXXX in turn responding that the debt was valid irrespective of what information I sent to Equifax. The collections account from XXXX XXXX XXXX  XXXX is as a result of pest control charges which my former Landlord, XXXX XXXX claims I owe. At no point throughout the duration of my stay at XXXX XXXX did I receive a bill for any pest control charges. I received statements from XXXX XXXX every month when I lived there for rent and utilities which were fully paid. At no point, did I enter into any contract with said former Landlord ( XXXX XXXX ) to pay for the pest control treatment. In XX/XX/XXXX, pest control was carried out in the XXXX XXXX apartment I resided in. At no point prior to, or after, the pest control treatment did XXXX XXXX send me any bill for pest control charges. My lease expired in XX/XX/XXXX and the final account statement sent to me by XXXX XXXX after I moved out did not include any charges for pest control. The issue of pest control charges was brought up for the very first time by XXXX XXXX on XX/XX/XXXX in retaliation for my request to return my security deposit which they claimed at the time was used for cleaning the apartment after I moved out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unbelievable. Someone has been sneaking behind my back submitting applications for credit without my consent. This makes me very furious to know that someone has my personal information and Im putting a stop to it TODAY. The inquires listed BELOW ARE NOT MINE THEY ARE FRAUDULENT.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Purchased {$500.00} US Bank Visa Gift Card at my local XXXX store on XX/XX/23. Card declined upon the first attempted use. Called the toll-free number on the back of the card. The rep advised me to go on to their website and choose " my card not working tab '' and send them a picture of both sides of the gift card along with a picture of my drivers license. I complete that information and submitted. The card was never unlocked, I called back after 2 days had passed and let them know that I was still not able to use my card. They advised me to then fax a picture of the front and the back of the card along with a picture of my drivers license. I told the rep that I did not have access to a fax machine but they did have any answers for me. I am in possession of the card, the packaging and the original receipt so I am not sure what the problem may be but I can not get access to my money. Tonight XX/XX/23 I tried calling their toll free number at XXXX and could not get anyone to answer. Their website XXXX is not functioning either.
Product: Debt collection

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX )/ XXXX / {$6800.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) / XXXX / {$75.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

I previously disputed a reporting error with Exeter Finance due to a banking error. Exeter was gracious enough to update my credit report for XX/XX/XXXX per the response provided below. However, each credit agency is now reporting that my loan was delinquent for the XX/XX/XXXX payment when in fact, I was only 18 days delinquent once the XXXX payment went through. Exeter approved me to have a modification of my loan through the XX/XX/XXXX payment for the XX/XX/XXXX that will be paid on or before XX/XX/XXXX, which is within 30 days of that payment being due. I am not sure how they fix one issue and report I am delinquent on another month when that payment was due XX/XX/XXXX and it was made on XX/XX/XXXX, which is within 30 days of the due date. I am confused how a payment made before it was even 30 days late it reporting on my credit report as a 30 day late payment. 

Company 's response in prior compliant # XXXX : Your account was 48 days past due for the XX/XX/XXXX payment when we received your payment on XX/XX/XXXX. As a result, you were accurately reported delinquent for this payment. In your complaint, you stated an email was forwarded to our office on XX/XX/XXXX regarding your bill pay. We are unable to locate a record of this email ; however, in compliance with FCRA laws, credit dispute investigations may take up to 30 days to complete. We appreciate your efforts to make all payments in a timely manner. Based on this complaint, we have agreed to remove the late mark that was caused by your banks processing error. We have updated our internal records and provided the corrected information to the credit reporting agencies. Please allow up to 30 days for this update to reflect on your credit report. Our records indicate your account was placed in a cease and desist status in XX/XX/XXXX based on CFPB complaint XXXX. To remove this status from your account, you may fax or email a written and signed request directly to the Office of the President at XXXX or XXXXXXXXXXXX. Our success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable response. If you have any additional questions about our response we encourage you to contact the Office of the President at XXXX. Sincerely, Exeter Finance
Product: Credit card

Chase card services is committing fraud by reporting my date of last payment as XX/XX/XXXX According to chase I paid these accounts with XXXX account ending in XXXX According to XXXX XXXX XXXX XXXX ending in XXXX was closed in XXXX so ther is no way i can pay from this account the date of last payment is XX/XX/XXXX so the credit cards listing should be removed from credit reports as it is too old after XX/XX/XXXX Chase is committing fraud by changing date of last payment so account listing remains and I am kept hostage for life Pls help Documents are attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, and I am seeking your immediate assistance in blocking the account associated with the fraudulent activity. I have attached documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report, to support my claim.In light of the identity theft incident and to prevent further unauthorized access and potential financial loss, I kindly request that you take immediate action to block the account in question. Blocking the account will restrict any further activity or transactions associated with it, ensuring the protection of my personal information and financial well-being. 

I understand the importance of prompt action in cases of identity theft and the potential consequences if immediate measures are not taken. I trust that your expertise in handling such matters will enable a swift resolution to this issue. 

Please confirm receipt of this request and provide me with any additional steps or procedures that I need to follow to ensure the account is promptly blocked. I am available to provide any further information or documentation required to support the investigation and resolution of this matter. 

Thank you for your prompt attention to this urgent matter. I appreciate your cooperation and assistance in safeguarding my financial interests.
Product: Credit card or prepaid card

PNC Checking and PNC Core Visa for Overdraft Protection are running online scams. Just recently, the checking account {$400.00} Friday transfer began pushing into Tues or Weds of the next week. This in turn may afford you to think you had more money on the weekend, then an auto Billpay or something comes through causing havoc for a few days until realizing they are holding transfer money for too long and loss of interest income on the transfer for up to 5 days. Given local transfer, it should be there in one day. I have documentation on this.

PNC Core Visa is entirely set up online ( and the application has some hefty deceptions ), including : 1 ) use this card for cash advance, pay it off, but PNC keeps the running Balance Subject to Interest rate after paid off and charges a " Minimum Interest Charge '' 2 ) Use it for Purchases at the same time, then try to Payoff the Purchase Balance, and they make you pay off the 0 % Promotional Balance first. 3 ) Lastly, they do not allow online dispute and do not answer mailed disputes. ( Then you have to pay the higher rate of interest, because maybe you cant pay off both types of balances ... ) This is very deceptive and in the small writing Im sure.

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

This is my 2nd request to follow up with you 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. The items 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 listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Fraudulent Accounts and Cessation of Related Activities To Whom It May Concern, I am writing to formally demand the immediate removal of fraudulent accounts and inquiries that have been identified on my credit reports. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently become aware of XXXX fraudulent accounts listed on my consumer credit reports from TransUnion, XXXX, and XXXX. These accounts are not authorized by me and are the result of identity theft. The details are as follows : XXXX XXXX XXXX  : Date Opened XX/XX/XXXX, Account XXXX. XXXX XXXX : Date Opened XX/XX/XXXX, Account Additionally, the following inquiries have been made on my report without my consent and are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts and inquiries have not only damaged my credit rating but have also caused significant distress. 

I previously submitted an FTC Identity Theft Affidavit regarding these matters. Under the FCRA, I have the right to dispute items on my credit report and to expect a timely response. Therefore, I am demanding the removal of these fraudulent accounts and inquiries from my credit reports within four days from the receipt of this letter. Additionally, I request that all related collection activities cease immediately. 

Please confirm in writing that these actions have been taken and provide me with updated copies of my credit reports reflecting these changes. 

If these matters are not resolved promptly, I am prepared to take further action as necessary to protect my credit reputation. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Checking or savings account

From XXXX XXXX, 2020 i have noticed unauthorized transaction on my account. i have called and sent in documents disputing charges. Nothing has been done to secure my account. 
i have spoke to supervisors, clients relation manager and i have not reimbursed funds or my concerns addressed. the latest unauthorized transaction dated yesterday XXXX XXXX, 2020 2020
Product: Student loan

On Wednesday, XX/XX/2022, I contacted FedLoan Servicing due to President Biden 's loan forgiveness announcement. I saw on the XXXX XXXX XXXX website that we were able to request a refund for payments made throughout the payment pause that started in XX/XX/2022. The customer service representative entered the refund request of up to {$10000.00}. I was told that the request had gone through and that I would receive an email confirmation within XXXX hours and further information in approximately XXXX weeks. I have not received an email confirmation and there are no updates on my loan account. I called a second time on XX/XX/2022 and the representative was unable to provide me with a status update or confirmation number and could only tell me that my information " is in the system ''. This concerns me because the application for student loan forgiveness has started but I can not apply or receive forgiveness until FedLoan Servicing processes my refund request and reinstates my loan.
Product: Credit reporting or other personal consumer reports

I Recently checked my report and notice a bunch of inaccurate information
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 # XXXX : Balance : {$2300.00} Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This account was included in my XXXX  XXXX bankruptcy that was discharged back in 2021, but the company failed to remove it from my XXXX XXXX XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

GC Services # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Product: Debt collection

Called to say they were serving papers and to get out of being served I needed to call XXXX. Checked and there is no case against me.
Product: Debt collection

I wrote a letter to them informing to only contact me by email. They have repeatedly called my cell phone and they have also called my work phone repeatedly.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 they run a hard inquired for a car and I wasnt looking to purchase or get a car
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am re-submitting an another complaint with the CFPB, seeking confirmation that the Credit Bureaus XXXX, XXXX, and TRANSUNION will take the necessary steps to examine and aid in the removal of the fraudulent inquiries I detailed in my past and current complaints. I respectfully ask the CFPB to partake in aiding me to address the issues prevalent in my credit report. Presented herein are certain items that I suspect were initiated under an alleged identity theft situation, requiring urgent attention and, if feasible, quick removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter on XX/XX/2023, to Absolute Resolutions. My tracking number is XXXX. However its been more than 30 days and they have failed to send my investigation back. This is not making sense. According to the law my consumer report must be 100 % accurate and it is not. 
Account # XXXX is in violation and not reporting correctly. I want to know if they investigated this account. If they investigated this account, who did they speak to? I want to see the proof of investigation and proof that this is my account. How did they complete the investigation?
Product: Credit card or prepaid card

I was the victim of a stolen Macy 's credit care back in XXXX and XXXX of last year as I was sick with XXXX. There were numerous charges on my card. I conctacted Macy 's and reported the stolen credit card as well as flied a police report with chicago police and the claim was still denied under the rationale that I did not supply enough information. The fraud department waited until one week before the 90day period was up to contact me. I appealed the decision and was still denied