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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Sincerely, XXXX XXXX XXXX : -Copy of Government Issued ID -Copy of SSN Card -Copy of Paystub ( Proof of Address ) -Copy of FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I never created this account with Moneylion. This is a scammer or a scam business. I have sent them several letters notifying them that i never created this account they refused to do their due diligence and actually investigate the matter sending me letters saying that they have closed the case and determined that I actually opened this account. The burden on proof is on them and I have not received anything that could be considered " proof ''
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of an incorrect address and related public records listed on my credit report, as they do not belong to me and I have never used them in any capacity. The address in question is as follows : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/year> XXXX XXXX XXXX, XXXX, IL XXXX Not Reported Additionally, I am requesting the removal of public records associated with my file, as I have reason to believe they were inaccurately added due to compromised information resulting from my involvement in 26 separate data breaches.

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c : Consumer reporting agencies are required to maintain accurate and verifiable information.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum accuracy of the information contained in my file. 
Furthermore, under the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ), credit reporting agencies are prohibited from reporting incorrect and unverified information that could harm consumers. 

This inaccurate address and the associated public records are in violation of the above laws and must be removed from my report immediately. I respectfully request that you : Delete the incorrect address from my credit report. 
Delete any public records erroneously associated with my file. 
Provide me with a revised copy of my credit report confirming the corrections. 
Investigate and document the source of these inaccuracies. 
If the matter is not resolved promptly, I reserve the right to file a formal complaint with the Illinois Attorney General 's Office and the Consumer Financial Protection Bureau ( CFPB ). I will also consider legal action to enforce my rights under the FCRA and applicable state laws. 

Please treat this matter with urgency and confirm the deletion of the incorrect address and public records within the 30-day investigation window mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your confirmation of the corrections. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

For several months, a debt collection agency with caller ID ( XXXX ) XXXX and ( XXXX ) XXXX has been harassing me at my work number with constant calls over a debt collection for an employee that no longer works at my place of employment. Repeated notifications that the employee is no longer employed went unheeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian 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 account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date XXXX
Product: Checking or savings account

I am an account holder with Ally Bank. I recently made a deposit of {$700.00} online through their app. I called up inquiring about why there was a hold put on it. I went through the customer service line and the first person didn't have too much information but was helpful enough to transfer me to a supervisor, XXXX. XXXX reached back to his " check processing '' dept. XXXX came back on the line and indicated the hold was put on because that department has reason to believe this check won't cash. I asked for further explanation and he said that is all he can tell me. I explained to him that I had deposited a check from the same payer a couple weeks prior, a hold was put on, and it did not bounce. The check that I was inquiring about was significantly smaller. I asked him what would happen if this was check that I needed access to right now. He said that it wasn't a " Dire '' need after reviewing my account. I'm not sure what he is talking about or what would constitute a dire need. I asked him if he was inferring to this check amount against my balance that is larger. I asked him to note the account with the notes of what he just said and explained to him how that is discrimination. I asked how I could reference him at a later date and he said anyone can just see which XXXX made the notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Student loan

I have been faithfully paying on my large student loan balance for many years and have been a dedicated XXXX employee since XXXX and local government employee since XXXX. I made my XXXX payment for the Public Service Loan Forgiveness Program in XX/XX/XXXX and requested loan forgiveness, and a forbearance to not require additional XXXX XXXX  monthly payments until the forbearance is applied and PSLF application is processed and loans discharged. 

Both DOE/Federal Student Aid ( FSA ) and the loan servicer MOHELA have proven incompetent and processing this request. The account has been bounced back and forth from MOHELA to Student Aid and I have received a variety of emails about " loan transitions '' but nothing substantive about my requests for temporary forbearance and loan forgiveness, and my account currently reflects almost 90 days past due. I should not be required to make payments while the government sorts out how it will handle my loan account and processes my paperwork. 

This issue continues to cause financial and emotional distress for me and my family and I have lost countless hours having to deal with this mess created by this incompetent company. I have filed multiple complaints with MOHELA, DOE/FSA , Congressman XXXX XXXX office, and XXXX  and thus far the issue remains unresolved. I am also a class member of the putative class action litigation pending in Missouri against MOHELA and other defendants related to their incompetent handling of student loan accounts. 

Please contact MOHELA to ensure a forbearance is applied to my account and ensure my loan forgiveness application is processed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : My name is XXXX XXXX, and I have been with Capital One Bank NA, for fours. I had some problems during the ending of XXXX, and beginning of XXXX, with being late due to XXXX. I have contact Capital One bank and have asked them to work with me on removing the late payments because they are affecting my credit. As you can see since then I have never been late on this account before in the past or previously. Please help me with this matter, I had perfect credit before XXXX and would like your help on getting it back into good standards. Thank you for all your help with this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Bank of America closed my account and has reported on my consumers reports due to fraud. I explained to them I was a victim of identity theft, and they need to remove the report. There is no money due on the accounts just a negative mark on my reports.
Product: Consumer Loan

I was unable to pay back loan due to divorce and increased debt and same income. The debt was passed off to new company which advised that they sent me a letter in XXXX 2015. I had not received any correspondence until I saw debt on credit report which did not offer the 30 days time frame to dispute or make payment arrangements before the being reported to bureau. Upon seeing the debt I called the number on my credit report and the representative advised me that there is no opportunity to settle the debt. I advised of my situation and she said no. I called back today which I was able to settle the debt and be placed on a payment plan. Also, the lady I spoke with apologize and told me sorry about the letter but there should have been one sent XX/XX/2015 but she is nor sure why so she will send me an email version. I just received a validation of debt which if was received I would have avoided the credit bureau report and settle the debt since my financial circumstances was getting better a the time and I Had a new job offer which was going to pay more. With me not getting the provisions that the fair debt collection and credit reporting act afforded me this debt is now on my credit bureau and is negatively impacting my ability to possible maintain a security clearance which is needed to maintain or obtain other paying jobs. I am requesting that since the 3o days which was just afforded to me today was not given in XX/XX/XXXX that this debt be removed form credit report, especially since I have now made a payment arrangement that is set from my debit card.
Product: Money transfer, virtual currency, or money service

Prosper Loan Inc. called me on XX/XX/13 at XXXX XXXX  to let me know I was approved for an {$8000.00} loan. I never applied for a loan with them but was a victim of identity theft. Then they began to repeatedly text message me. I have received XXXX text messages since the first call and have requested they stop all contact with me.
Product: Credit reporting or other personal consumer reports

There's been 2 unauthorized charges on my account, this caused an outstanding balance which I was unaware of causing a delinquency to be reported on my credit report. After that I called XXXX XXXX, and they said they'd investigate but I never heard back. 

Also sent them a letter with no response, filed a dispute with Experian and the delinquency was removed, next cycle it was re-reported again and now XXXX XXXX rejects to take it off and is not responding to written correspondence.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan because my car needed fixed for originally XXXX, they called me 2 months later and asked if I wanted to up my loan to XXXX and theyll send me the extra XXXX and I can skip a payment. I agreed however when it popped up on my credit the loan was XXXX instead of the agreed amount of XXXX I called them and asked why my loan was so much and they stated that every year it gained interest and if I kept making the minimum payment amount which is my monthly payment, I would pay XXXX. That I can only pay XXXX if I pay it off before a year
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I would like a full credit report from XXXX XXXX XXXX XXXX XXXX and my Full XXXX  XXXX XXXX XXXX FILE. I have be unable to get my file from the website for some reason. I have attached my ID SS card and Proof of address please send my credit file report.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance has reported an item to my report in XX/XX/XXXX. 
That item is due to be removed in XX/XX/XXXX. 

American Honda Finance has reported this item again ... just listed as a different amount and status. This account is considered a continuation of the original debt. 
It is a violation of law for any financial institution or finance company to report old, past due amounts as they are new again when debts are sold or charged off. 

I will look into the legalities of this and what my options are.
Product: Credit reporting or other personal consumer reports

This is my second time submitting a complaint to the CFPB the first complaint was submitted on XX/XX/year> at XXXX. The complaint number is XXXX. As I previously stated, I am a natural person, I am a living Human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. XXXX has violated my rights numerous times. I demand the accounts listed below be removed immediately. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. I am a victim of the XXXX XXXX XXXX. XXXX has admitted the fraud that was committed and that I am a victim and I have a Claim number with XXXX. The claim number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment Effecting my credit.
Product: Debt collection

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX and again on XX/XX/XXXX regarding 2 collection accounts on my credit report. Both times I have requested proof of the debt. They refuse to provide proof of debt and have stated its the original creditors responsibility to report it to them. 

I spoke to original creditor on both XX/XX/XXXX & XX/XX/XXXX they state that they have no open account. Dates on " collections '' are from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XXXX XXXX XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Balance : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Detail https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX XXXX Balance : {$480.00}, XXXXXXXX XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$13000.00}, XXXXXXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired onXXXX XXXX XXXX XXXXXXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Mortgage

The company Loancare is a terrible company. Their website does not work to login and review, pay our account. The statements are confusing. It is close to impossible to contact them for help and assistance. We are so sad that we are with this company and we are stuck with them for now and it's so frustrating. They have added an escrow account to our payment without notice or consent after paying our property taxes even though we had paid our taxes on our own which we have done for years. We looked up thousands of reviews about this company XXXX and were horrified to learn that so many people are in the same boat and are thoroughly frustrated. We have been trying to contact them for months are always the same thing - a recording to leave a message. Of course we never get a call back, no letters or correspondence, ... nothing. We don't know what else to do but hire an attorney. The worst part is we checked our credit and they have been reporting us 30 day late for XXXX payments in 2021 even though we are on autopay without a hitch. Hundreds of people reported the same on XXXX. We felt to communicate to others who may be with Loancare is the best thing we can do to help and perhaps this agency can investigate their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I attempted to order my free credit report from Experian per Georgia State Law via their web site. I answered all questions correctly to confirm my identity. I was then directed to a web page telling me to mail in proof of my identity. I then tried a provided link to upload my proof of identity. All information was previously entered correctly and all required documents were given ( State of Georgia Driver 's License scan and Bank Statement Scan ). This failed telling me that the file sizes could not exceed 15MB. The file sizes were 2MB and 135K. They again directed me to mail in the information. I sincerely believe that Experian is making it very difficult to order my free credit report per state law. I had absolutely no problem with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).