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

Dear XXXX or XXXX This is Information on my consumer report that is a result of fraudulent activity. I want to remove fraudulent hard inquiries from credit report : I was shopping for a car, they just asked for my driver license and social security number to see what I can be pre-approved for, I can not recall I did if I did a hard inquiry, I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified inquiries. The identified inquiries are not information related to any transaction made by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of XXXX these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Dispute of Incorrectly Reinserted Collection Account To Whom It May Concern, I am writing to demand an immediate reinvestigation of the collection account identified as XXXX XXXX XXXX XXXXXXXX. This account was previously removed from my credit report, and I find it unacceptable that it has been reinserted without proper verification. 

I want to be crystal clear : I do not owe this debt. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information on my credit report. I expect you to uphold this responsibility without delay. 

I require the following information immediately : 1. Verification of the Debt : Provide documented proof that this account is mine, including details of the verification process used for its reinstatement.

2. Original Creditor Information : Confirm the original creditor and their validation of this debt.

3. Explanation of Reinstatement : A detailed account of why this entry was reinserted after being removed. 
If you can not provide verifiable evidence supporting this account, it must be removed from my credit report immediately. I will not tolerate any inaccuracies that could damage my credit standing. 

Failure to comply with this request will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider all available legal options to protect my rights.

I expect your prompt attention to this matter, with a response within the 30-day timeframe required by the FCRA. 

Thank you for your immediate action. 

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

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$82.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

My retirement check for {$3400.00} was deposited to my Found checking account on Friday, XX/XX/XXXX. Immediately, the bank froze my account for suspicious activity. I sent several emails about this, begging the bank to lift the freeze. This bank has no phone support on the weekend, which is ridiculous. Finally on Monday, XX/XX/XXXX, they lifted the freeze. Within a very short time of the freeze being lifted, transactions were made with my account to merchants in XXXX and XXXX. These transactions did not go through and were canceled or declined. However, several large transactions ( {$910.00} -- three of them ) occurred the next morning for a merchant in XXXX called XXXX. I immediately contacted the bank and disputed the charges. I asked why the charges for XXXX and XXXX were declined or canceled but the charges for XXXX went through. The rep stated that the system must have detected suspicious activity with them. 
After waiting the 10 days for a decision on my dispute, they simply emailed me and told me my dispute was being denied because I am responsible for keeping my account credentials safe. 

Upon doing further research online for this bank ( XXXX, XXXX, etc. ) I find that this is their standard operating procedure, to deny disputes and put the onus back on the account holder. I informed them that someone got into my account, unlocked my card, and made these fraudulent transactions. It did not seem to matter what I said, they just put the blame back on me. If a bank is FDIC insured, I don't understand how or why they can deny this dispute. I'm not in XXXX. I have no reason to purchase something from a merchant in XXXX, especially for such large amounts! I explained all this to them. 

For the reviews online, Found provides the same canned responses and blames the account holder for not keeping their account secure, so I am not the only one dealing with this type of matter. This is appalling and can destroy someone's life. 

I also don't understand why their system would deny the transactions for XXXX and XXXX but then allow the three to go through for XXXX. I think this is an error on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I've gotten messages saying I need to apply to credit cards with high interest rates to improve my credit score. On many occasions I have and was denied. As a result my credit score dropped because of the hard it. This is a fraud
Product: Checking or savings account

My name is XXXX XXXX XXXX and I'm a XXXX XXXX  XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is drug dependent and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to Equifax regarding wrong, fraudulent information on my credit report for almost a year. I also disputed with the other credit bureaus and the companies. They have all been cooperative but not Equifax. I am a victim of identity theft. I have already received notifications of at least 10 different breaches of my information. I have filed a police report, id theft reports/affidavits and sent them to Equifax. I have called them multiple times and they just keep flat out lying to me. They keep turning each correspondence into a " re-investigation '' then claiming they've verified with the companies and there is a bankruptcy that they claimed they actually verified with the court. Blatant Lie and I have been researching this stuff for about a year now. I found some case law directly against Equifax that says they aren't allowed to claim a court verified anything. XXXX XXXX, XXXX and XXXX  all deleted the items that I informed them that they were id theft related. I sent proof to Equifax. They don't give a XXXX! I told them on the last letter that I was going to file a complaint against them if they don't follow the law and remove these fraudulent items. They just sent me an updated report. A couple things were removed but they still left some things on there which I know they know should have been removed but instead they just claimed they verified them. Big fat lie!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, EXPERIAN and XXXX XXXX have been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness. I, XXXX XXXX did my due diligence and began an investigation. During my investigation, it has been brought to my attention that I have been swindled by way of deceptive forms and I am now enforcing my right to privacy and Opt-Out. These laws have been violated by these entities. 

17 CFR 248.124 Reasonable Opportunity to opt out. 

15 USC 6802- Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 a account without my written instructions -15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX XXXX- acct # XXXX Inquiries to delete immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX & XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Money transfer, virtual currency, or money service

1.Money was transferred from personal checking account via XXXX and was not authorized 2.Bank did not notify of the of the transfers 3.The day after the first fraud occurred on the account, the bank was contacted and notified of the fraud 4.Repeated request for XXXX cancelation to phone representatives at USAA 5 . Bank stated we had to prove we did not make the transfers 6. Bank is stating the transfers were from our phone at our home address. We do not understand this. We did not make the transfers and most occurred on XXXX which seems odd in itself. 
7. Below are the dates, names, amounts and how the transfers were made. 
8. We do not know any of these individuals by name, phone or email addresses. 

Case # XXXX Date Name Amount Email/phone XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XX/XX/XXXX called USAA to report fraud -under review XXXX XXXX XXXX {$320.00} XX/XX/XXXX called USAA to report fraud XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX XXXX  {$100.00} XXXX XX/XX/XXXX? -called USAA XXXX XXXX -called USAA Temperance XXXXr -called USAA XXXX XXXX XXXXXXXX XXXX  {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX @ XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX XXXX XXXXXXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$250.00} XXXX @ XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - she said call was from phone at home address
Product: Payday loan, title loan, personal loan, or advance loan

We had purchased a camper from XXXX XXXX XXXX XX/XX/XXXX and financed it through US Bank for the amount of {$36000.00}. We found out few days after driving it off the lot, that XXXX XXXX had screwed up our VIN number, which in turn messed up all paperwork to US Bank for the temporaty title. XXXX XXXX notified us of their mistake, and fixed the paperwork for us to be able to get our registration done. However, US Bank never followed up or fixed their paperwork on their end. Fast forward to a year later, XX/XX/XXXX we paid off the camper in full, sending US Bank the payoff amount of {$32000.00}. 
They accepted this payment, without even having the proper paperwork showing the right VIN, or without even correcting anything. So now in XX/XX/XXXX, of XXXX when my wife and I are attempting to sell our camper to a friend in order to get the funds needed to close on a home for our family, the dmv tells us they can not issue a title, due to US Bank still having a lien on it. When contacting US Bank several times asking why they are still holding a lien when it was paid off over a year ago, they just kept saying " their not sure ''. This led us to asking for a supervisor and while on hold for them, the dmv tells us that it is an electronic lien and that the bank can do an " emergancy release '' in order to have the dmv print us a title that day of being there. Since it over an hours drive to this instant title dmv. 
When the supervisor came on the line, we had relaid this information to her, which she in turn expressed that she had never heard of that. She then said she would go ahead and process a release to be done, but that they first have to fix the paperwork on their end, since they did not currently hold a proper lien. I even made the comment " wow so I should have never paid you off, because you had no way of even repossessing this '' of which they laughed and did not comment. 
It is now XX/XX/XXXX of which the release was still not completed and we loss a sale on our camper, which now in turn will affect our closing and might make us lose our home. All because they did not do their job and correct their own paperwork over 2 years ago! How can they accept payoff for a " vehicle '' or camper in our scenerio, without even having the proper paperwork or temporary title paperwork? Then have the right to make us lose out on so much money needed for a big family move, due to their own negligence and not be held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted LexisNexis to dispute the inaccuracy and errors of XXXX Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how XXXX bankruptcies were reported on public record when I did not complete a bankruptcy. There are XXXX bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. So I am confused as to how LexisNexis was allowed without permission from the court or anymore to report this erroneous and inaccurate information. Years ago, I inquired and considered filing. I went to one attorney for information and understanding of the process. He was never retained and my guess is that he must have started a file with the bankruptcy court. Months later, I did another inquiry with Attorney XXXX XXXX but the bankruptcy was withdrawn and never completed. I threatened to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I question how this happened to LexisNexis and they are standing by their bankruptcy records as accurate. One of the parties are to blame and I do not believe that its the Bankruptcy court as they are adamant that they reported no information to Lexis Nexis or any other credit bureau. I need these bankruptcies removed immediately.
Product: Bank account or service

XXXX XXXX, XXXX To Whom This May Concern : On today, I attempted to pay my bills with both of my personal and business debit cards and found that both of my Regions debit cards were closed. Of course, I was shocked to say the least. Having savings and checking accounts is an indispensable part of anyone 's financial stability. I have been a loyal and long-standing customer with Regions since XX/XX/XXXX. I have never been a financial liability with Regions. So I am not understanding why my cards have been closed and why I am being threatened with closure of my checking accounts. 
I want answers and I want my cards re-issued so I can pay my bills. I have always paid my bills in a timely manner. 
The actions by Regions is causing me harm and hampering my ability to pay my bills. 
Regions closing of my accounts and business relationship is affecting me getting accounts with other banking institutions. 
In XXXX XXXX, someone stole my Business Account Debit card and attempted to use it at an ATM machine in XXXX Georgia. Regions sent my card to the wrong address. The address listed on my Regions account was changed by an employee. The apartment number was removed from my Regions Bank information. I reported this to Regions customer service but nothing was done about it. I applied for a credit card and was granted it and was told by the Regions employee that took the application that the card would be sent to the bank. I called Regions Credit Card department on tonight and they said the card was not sent to the bank but the wrong address that is listed on my Regions account. This is the same address where someone gained accessed to my debit card in XXXX XXXX. 
I hope Regions Bank will rectify this problem. Regions have approved me for a mortgage and credit card and this is where I have done business for the last 22 years. 



XXXX XXXX XXXX
Product: Student loan

XXXX grad aiu Father passed military XXXX Loans should have cancelled out Parent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX was changed to mines Sister XXXX XXXX made POA didnt pay balance of XXXX XXXX just in case loans didnt cancel XXXX/ higher interest consolidation 9 % To 10 % /filed ch XXXX XX/XX/XXXX Inc loans still exist / work for non Profit Govt still exist Covid19 no interest should be added ** COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE anyone else. 

( XXXX ) XXXX consumerfinance.gov Learn about our complaint process Need legal assistance? 

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Product: Mortgage

In XXXX 1996, I and my then spouse signed a mortgage contract with XXXX XXXX XXXX. The loan was soon bought by Greentree Servicing and recently, Greentree changed over to Ditech. I have been divorced for approximately five years and in the divorce decree, the judge granted both the land and home to me. This divorce was granted through notice of publication since the whereabouts of my spouse were unknown. 
The mortgage contract ends soon and the payoff is currently little more than {$5000.00}. With this being the case, I attempted to speak with a representative from Ditech regarding some questions about the mortgage and they refuse to speak with me and answer my questions because they claim I am not on the loan. I signed the mortgage, and all relevant notes necessary in obtaining the original financing. I have offered to provide them proof of every statement I have made herein so that the disputed issues such as escrow activities can be audited and an accounting provided. 
The whereabouts of my former husband are still unknown to me. 
It is my sole desire to have a true audit of this account so that I may determine a legitimate payoff amount. 
Lastly, since the inception of the original loan I have increased my credit score to a point significant to have qualified for a reduced loan rate through refinancing but due to the failure of this lender to even communicate with me, I have been denied the opportunity and thus been penalized by being frozen at the rate of the original mortgage. This in itself has cost me several thousand dollars. 
As a woman, I feel that I have been discriminated against for this reason. The mortgaged property is located at XXXX XXXX XXXX, XXXX, AL XXXX in XXXX County
Product: Debt collection

I have received this notification twice this year, the first time I won the case, thus case was close successfully. Some months later, I have received the same collection agency again, alleging the same, and I have said the same, I dont own this debt, is not my account, I think is a identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over and reviewing a copy of my credit report i noticed that the credit bureau is still reporting an address on my credit report. reporting inaccurate information. i want my credit report only reporting accurate updated information. i have sent letter after letter and they are still reporting. Also they are reporting a child support in which they say that child support is reporting but when i contacted them i was told that the credit bureau is reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : ATTN Fraud Department : Remove fraudulent accounts from my credit report.