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

I hope this email finds you well. Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following items should be removed as soon as posssible : 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

XX/XX/XXXX I notified XXXX that Diversified Consultants in the amount of {$850.00} and XXXX XXXX  in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX  in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed XXXX that I was a victim of identity theft. XXXX fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the heck is XXXX   validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.
Product: Credit reporting or other personal consumer reports

this information was disputed back in XXXX XXXX XXXX XXXX this was disputed and cleared from all three credit bureaus, and recently but back on my credit report, this was theft and people got credit in my name without my permission, remove permantely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX, EXPERIAN AND XXXX XXXX DXXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and hard inquiries , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should XXXXedact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/15 I use XXXX XXXX  to purchase a couch. The couch was paid off yet I see on my report that the account was part of a bankruptcy. Ive never filed for bankruptcy in my life. Please have this removed from my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

BWW FIN SVC XXXX # XXXX THIS ACCOUNT CAME ON MY REPORT, ITS NOT MINE AND I WOULD LIKE IT DELETED IMMEDIATELY!
Product: Debt collection

BANK OF AMERICA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I received the attached ( to this complaint ), notice form the XXXX New Jersey on XXXX XXXX, 2016. It states that a judgement was made against me for {$13000.00} in favor of Erin Capital Management. 
This case was settled without my knowledge. I have never received any summons nor was I served any papers giving me opportunity to defend against Erin Capital Management 's claim. 
Regarding Erin Capital Management : I have no knowledge of who they are, any purchase they may have made of a debt of mine, from whom, or what they paid for said debt. 
The notice from XXXX XXXX XXXX, court officer, also states that a copy of the writ of execution was attached. No such copy of a writ of execution was attached to his notice. This notice came in regular first class mail. 
I believe that Erin Capital Management is in violation of the Fair Debt Collections Practices Act ; and, improperly used the XXXX XXXX XXXX New Jersey.
Product: Mortgage

To whom it my concern My name is XXXX XXXX I am writing in to file a Complaint against XXXX XXXX XXXX XXXX XXXX XXXX a loan officer at PNC bank XXXX XXXX XXXX. XXXX FL XXXX. In XXXX I came in to the PNC bank to receive information on getting a mortgage loan I talk to XXXX XXXX he informed me of all the documents that I would need to provide him with. I then came back XXXX XXXX th and gave all the required documents that were need to start the process of my loan. On XXXX XXXX called XXXX left a message to contact me and never receive a call back. I came in to his office XXXX XXXX th to find out if my loan was in process or if I was approved at all. He informed me that my loan was approved ( lie # 1 ) and that all he was waiting on was for the appraisal office to contact him ( lie # 2 XXXX. I then waited till XXXX XXXX came and spoke to him at the office to find out what was going on with the appraisal office he then told me he was in contact with the appraisal office and that they needed the address to the property ( lie # 3 ) at that time I did not know the address but informed him I had the deed and which he said that would be fine and made copies and told me that the appraisal office would be in contact with me with in a couple of days .I waited till XXXX XXXX contacted XXXX by text message cause at this time had not heard anything. he replied that he would find out for me and then never replied back. I then went in to the office on XXXX. XXXX he told me that the appraisal office never contacted him ( lie # 4 XXXX. So he cancelled with that company and ordered a new one with another company ( lie # 5 XXXX. at this time I felt very uncomfortable and had the feeling I was being lied to I ask him what my loan number was and was given a false number ( lie # 6 ) and the date my application was put in which he told me XXXX XXXX. XXXX lie # 7 ) I later called PNC mortgage company on XXXX XXXX and was told that I was not in there system. And the loan number that I was given was not a number that they would use. On XXXX XXXX I called PNC mortgage and found out that a pre application had been put in on me from XXXX. On XXXX XXXX. On a property location that I do not own. The way I was treated was so uncalled for. The past XXXX weeks I have been lead to believe that I had a loan. That my financial need was cared for. XXXX XXXX knew how important this loan was to me and my family and to be discard as an unvalued customer this is very upsetting. To knowingly mislead someone and lie straight to my face on seven different occasion is disgraceful. My time is very valuable and he has wasted six weeks of it. He obviously does not follow the PNC code of ethics three being Customer Focus, Respect and Integrity to me XXXX XXXX has not upheld these qualities .and has tarnish the PNC name for me. 

I have never been treated in such an unethical unprofessional manner. At this time I deserve an explanation to why he needed to lie to me and an apology for his dishonesty. 


I hope to hear back from you about this incident soon. 
Thank you for taking the time to read my letter. 
Sincerely, XXXX XXXX
Product: Student loan

On 2 separate occasions I have advised Navient of my claim of identity theft. My credit report reflects student loans of appx $ 70k which were opened by my ex-wife without my knowledge or consent. I first provided the information to Navient directly in XX/XX/XXXX - which included an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number. I advised Navient that XXXX County PD has an 8 month backlog to produce the actual copy of the police report. Navient closed the investigation but not before forwarding the fraud account to XXXX XXXX XXXX for litigation. On appx XX/XX/XXXX I contacted XXXX and advised that this was a claim of Identity Theft and per their request, forwarded an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number - and again advised that there is an 8 month backlog to produce the police report. XXXX advised that they would investigate. On XX/XX/XXXX I received a call from Navient which my wife returned on XX/XX/XXXX. During this conversation we were advised that Navient would again close my claim of Identity Theft because there is no police report. This is despite the SIGNED and NOTARIZED statement from the perpetrator indicating that she opened the account without my knowledge or consent.
Product: Credit card

I had a Chase Mileage Plus Explorer Visa card which has an annual fee of $ XXXX./yr. I chose to discontinue that card and knew that the fee was coming due in XXXX. I cut up the card and mailed it to Visa in the XXXX. When I received the statement in XXXX, I ignored it since I knew that I had already closed the account and had not made any purchases on it for at least six months. 
In XXXX, I received a statement with the {$95.00}. annual fee plus a {$1.00} purchase interest charge. 
I called them immediately saying that I had mailed the cut up the card and that the account was closed. They told me that they had not received notice that it was closed and that they would close the account but that I still owed the {$95.00} fee since it was not closed within the time frame of when the bill was received. 
My argument is that I certainly did close it within the appropriate time frame. The fact that they can not find it should not be on my dime.
Product: Credit card

I was told by a representative on a recorded call on my end after my consecutive payments in their financial plan my late fees and late payments would be removed from my credit report. I am deeply saddened this wasnt the case. 

I hope this letter finds you well. I am writing to discuss my recent credit history with your company, specifically the late payments reported on my account from XX/XX/year> to XX/XX/year> XXXX Payments. 



I take full responsibility for my actions and sincerely apologize for any inconvenience this may have caused. Unfortunately, during this time, I was severely ill and without any source of income. This unforeseen circumstance severely impacted my ability to meet my financial obligations, including my credit card payments. 



Since recovering, I have made consistent efforts to get back on track and have ensured all subsequent payments are made on time. I am committed to maintaining a positive credit history and have taken significant steps to manage my finances responsibly. 



These late payments are currently affecting my credit score and hindering my ability to secure a mortgage loan to purchase a house for my family. As this home is crucial for our stability and future, I am humbly requesting a goodwill adjustment to remove the late payments from my credit report. 



I deeply appreciate your understanding and consideration in this matter. Your support in this difficult time would mean a great deal to me and my family. Thank you for your time and assistance.
Product: Student loan

I am a prime example of the worst-case scenario regarding predatory loan disbursement ( on behalf of  XXXX  University  ),  and predatory forbearance/deferment tactics ( on behalf of  XXXX   XXXX  / Navient ).      XXXX  : When I was signing up for my student loans with  XXXX , the financial consultants there did a poor job of helping me get the lowest interest rate loans, and the fewest loans. Furthermore, they did n't do a good job communicating what I was actually being signed up for. By the time I graduated in   XXXX  , I have ~ $  XXXX  student loans ; $  XXXX  of which was at 6 % APR ( DoE loans ), and $  XXXX  of which was  ~10  % ( VBR, private loans ). Many of which are unsubsidized.      XXXX   XXXX   / Navient :  Since   XXXX  , I have encountered financial hardship a couple times. In those times, my  calls to Navient usually r esulted in a forbearance or a deferment. They made it seem like those were the best options for me, despite that fact that it was far from the case. Even though I have payed my loans every month for 5 of the 7 years since   XXXX    ( ~2 years were forbearance/deferment ), the current bala nce EXCEEDS the original principle. I have made no progress in 7 years of repayment.     Conclusion : I feel  XXXX  an d Navient  have employed predatory tactics to ensure that  1 ) I finish school, regardless of the cost of my loans, and 2 ) t o reap the most amount of interest from me after graduation. This is a massive burden that I have had to carry, and will continue to carry, for decades to come. My only hope is that some of it will be forgiven under the pretense that I am the victim of unfair tactics at the hands of a system designed to exploit students.     As a side note, I will soon be filing for bankruptcy as a result of an even worse circumstance where I have ~ $  XXXX  medical debt as a result of an emergency   XXXX    XXXX  I needed to have to survive. Combine these  XXXX  debts, and I 'm   XXXX  . I am filing for bankruptcy soon.
Product: Credit reporting or other personal consumer reports

am writing to dispute the information on my credit report related to the account with the account number XXXX. The discrepancies in the reported information are as follows : XXXX. Account Status Discrepancy : TransUnion : Derogatory XX/XX/XXXX: Paid XXXX : Paid XXXX. Monthly Payment Discrepancy : TransUnion : {$0.00} XXXX : {$0.00} XXXX : {$0.00} XXXX. Date Opened Discrepancy : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. XXXXalance Discrepancy : TransUnion : {$0.00} XXXX : {$0.00} XXXX : {$0.00} XXXX. Payment Status Discrepancy : TransUnion : Current XXXX : Unknown XXXX : Current XXXX. Last Reported Discrepancy : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Comments Discrepancy : The comments on the account mention that it is " Settled - less than full balance '' and " Account legally paid in full for less than the full balance. '' These comments are inconsistent with the reported payment status. 
I request a thorough investigation into these discrepancies and urge you to correct the inaccurate information on my credit report. Please provide me with the results of your investigation and a corrected copy of my credit report as soon as possible
Product: Credit reporting

On XXXX/XXXX/2016 I review my credit and i showed no inquiring on my report with transunion credit reporting agency.
Product: Credit card

This is a follow up and an update to the complaint number XXXX filed on XX/XX/2023. The details of the complaint earlier filed can be referenced to the Complaint_CFPB number stated above. The reason for the follow up or update to this complaint is that I got in the mail today, a later dated on XX/XX/2023 that the claim has been updated and that the temporary credit of {$1100.00} ( including credits and fees ) has been made permanent stating it was resolved in my favor ( See attached document ). However, this is not the case. Though this letter was sent out on XX/XX/2023, the closing statement balance of the credit card account on XX/XX/2023 is still showing the disputed amount of {$1100.00} which means the letter sent out has not yet been honored or implemented. Also attached is the latest statement balance.
Product: Money transfer, virtual currency, or money service

Pnc won't let me add my bank account to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX XXXXXX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.
Product: Debt collection

Company did not agree to resolve the amount for less than owed and resold the collection to another company
Product: Credit reporting or other personal consumer reports

became aware of these fraudulent loans being opened under my identity due to receiving various calls and collection notices to my home address regarding multiple auto loans. This was later followed by XXXX notices and telling my address was a po box . Over the months i had contacted police the credit agencies and banks to try impose my rights and have these fraudulent accounts and inquiries removed. These fraudulent debts and violations have caused great damage to my credit report, They need to be investigated and renoved wuth urgency.
Product: Credit reporting or other personal consumer reports

I am filling a complaint with XXXX for failing to properly investigate my dispute regarding inadequacies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Here is the account that I have marked as inaccurate : XXXX XXXX XXXX
Product: Debt collection

Sent a certified letter to ERC on XXXX informing them of the Fair Debt Collection Practices Act, 15 USC 1692c, 805 ( c ) The letter was picked up on XXXX. Received another collection letter from them dated XXXX, in direct violation of above.
Product: Credit card

I had my personal identity stolen and my Chase debit and credit cards information was compromised and was then used fraudulently to purchase several items in another state ( Florida ) and to secure another card without my knowledge. On XX/XX/XXXX, when I received the alerts from Chase Bank of these suspicious activities, I immediately notified the Customer Service Representative and preventive actions were taken and was told of other activities that was not authorized by me. I told the Customer Service Rep that I want to decline all the unauthorized transactions and would like to get reimbursed and will dispute them. Although some of the fraudulent transactions were caught on time and rejected, a few were able to make it thru and were posted on my bank statement and were disputed. On XX/XX/XXXX, I received a message from Chase that my disputed claim ( Claim # XXXX ) was denied based on their investigation as " authorized '' and therefore the amount of {$36.00} that was credited to my bank account will be taken back. It's the principle that counts and not about the small amount. 

On XX/XX/XXXX, I wrote a letter to the Claims Department in Texas to appeal this decision with all my supporting documentations and so far, have not receive any replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection from XXXX XXXX and it is paid in full in XXXX.on the Experian it dropped my score XXXX points stating its a paid collection late in XXXX. I am in the middle of a mortgage loan and at risk of losing my financing due to the wrong reporting.How could I be late in XXXX on Experian on the same day it was paid in full. I truly need this to be connected immediately or Im at risk of losing my mortgage loan and I already put everything into this.
Product: Debt collection

Ive been called several times when I have no debt at all I think it maybe someone who has my phone number before me I am not sure.I pretty much have nothing to my name I live at home with parents.
Product: Student loan

Hi Navient is showing variable amounts of interest for my student loan with a fixed rate. when I called on XX/XX/21 and spoke to them they couldn't explain the variance to me. For example my account history on their site shows the following amounts for last three months XX/XX/21 $ XXXX $ XXXX XXXX XXXX XX/XX/21 $ XXXX {$360.00} XXXX $ XXXX XX/XX/21 $ XXXX {$140.00} XXXX $ XXXX As you can see these amounts are representative of a fixed rate loan. Please look into this issue and provide support... thank you