23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Inquiry : XX/XX/2022.
Product: Student loan

On XX/XX/XXXX, I received a letter from Mohela stating " On XX/XX/XXXX, a federal court issued a stay preventing the Department of Education ( XXXX ) from operating the Saving on a Valuable Education ( XXXX ) Plan. As a result of this ruling, XXXX has directed MOHELA to put your account into a forbearance ... While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' Then, on XX/XX/XXXX, I received a letter from Mohela stating, " In an effort to keep you updated on your federal loan ( s ), we have enclosed details about your loan ( s ), including the accrued interest, interest rate, and interest, totaling {$580.00}. This letter also states, " interest continues to accrue on your loan ( s ) during the forbearance period, '' which conflicts with information I received in the letter dated XX/XX/XXXX. I had continued to pay on my student loans during COVID-19 forbearance and was tracking that my accrued interest should be {$0.00}. On XX/XX/XXXX at XXXX XXXX, I called Mohela and spoke with a rep named XXXX. She informed me that letter was sent in error. I asked if there would be an updated letter and she informed me she would have to see. I then submitted a complaint to the CFPB. I have received no communication from Mohela since submitting this complaint ID XXXX dated XX/XX/XXXX. 

I then checked my loan balances in XX/XX/XXXX, and they all increased. For the following, the left-hand side will be the balances according to documentation I received from Mohela dated XX/XX/XXXX and on the right-hand side will be balances listed in my online Mohela account as of today, XX/XX/XXXX. 

Loan XXXX : {$6900.00} ... ... ... ... ... ... ... ... ... .. {$6900.00} XXXX XXXX : {$10000.00} ... ... ... ... ... ... ... ... ... {$10000.00} XXXX XXXX : {$2100.00} ... ... ... ... ... ... ... ... ... .. {$2100.00} XXXX XXXX : {$5500.00} ... ... ... ... ... ... ... ... ... .. {$5600.00} XXXX XXXX : {$13000.00} ... ... ... ... ... ... ... ... ... {$13000.00} XXXX XXXX : {$14000.00} ... ... ... ... ... ... ... ... ... {$14000.00} XXXX XXXX : {$7000.00} ... ... ... ... ... ... ... ... ... ... {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record unti FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$210000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Open.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX BANK Balance {$150.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXlance {$2200.00} Open Date XX/XX/XXXX XXXX XXXX LL Balance {$2100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open date XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

While viewing my credit report and alerts. I observed several hard inquiries on my credit report that was not authorized or consented by me. I am requesting for the hard inquiries stated below to be removed from my credit file as this is damaging my credit score. I did not authorized this and have been a previous victim of fraud/ fraudulent account opening. 

Experian The following inquiries below were not authorized or consented by me and are fraudulent XXXX XX/XX/XXXX XXXX  Card- XX/XX/XXXX XXXX/ XXXX  XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is not reporting my credit score at all. That is inaccurate reporting. I have had a score for decades and now they are reporting my score as a negative nothing. That is inaccurate reporting and a violation of my consumer rights. This non reporting is creating a negative impact on my life. I need this score reinserted immediately
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To Whom It XXXX Concern : This letter is in regards to the account number listed above which you claim has ( specific negative condition ). I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act. 

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past. 

The letter also serves as your notification that I am disputing this alleged ( specific negative condition ) with all credit bureaus where it has been listed. Per the Fair Credit Reporting Act, any debt which can not be property validated XXXX not be reported to any credit bureau. 

Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 

Please submit any substantiating evidence of your claim. 

If I do not receive a response from you regarding your claim within 14 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

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

I've attempted since XXXX of 2019 to remove fraudulent accounts from my report that was contributed to ID theft.I sent block request to all CRA 's XXXX and XXXX complied with the block request, however, Equifax did not. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.
Product: Mortgage

{$2000.00} Payment was made XX/XX/XXXX for my XXXX payment but not applied to my account. I received a statement that said no payment was made. I have the cancelled check showing it was received XX/XX/XXXX. The check was faxed to the number PNC provided for proof but no response. I made another {$2000.00} payment XX/XX/XXXX to make sure my XXXX payment would be there early to avoid any more issues. I got my XXXX statement and it showed 3 payments ( {$2000.00} on XX/XX/XXXX applied to other, {$2500.00} was broke into 2 payments {$1900.00} applied to interest and {$71.00} applied to another interest. ) and a late charge. I called PNC to get this corrected and I get the run around. One customer service member actually lied to me and said the account was good, no late charge, next payment was due XX/XX/XXXX. I asked for proof and was instantly transferred to another department. Once I got back to the correct department, I was told to call the collections department as my account was past due and they would let me know what needed to be paid. I asked why the payments got applied the wrong way and why they cant fix it. I was told I have to talk with a supervisor but they would not transfer me to a supervisor
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding these accounts in XXXX. I had no knowledge of them and I am requesting that they be deleted from my credit report. I have not heard back from Equifax and I don't know why this is taking more that the alloted 30 days. 

XXXX XXXX {$2500.00} XXXX XXXX {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote requesting an investigation into items I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. I also sent a second request to follow up on my first request. 

I demand the listed accounts be verified or removed immediately.
Product: Checking or savings account

I have had a banking relationship with Capital One since XX/XX/2022. Since that time, I have not had any overdrafts, bounced checks, and have maintained a positive balance in my accounts. On XX/XX/2022, I was approved for a XXXX unsecured credit card with a credit limit of {$500.00}. I always kept my usage at 8 % -11 % and made payments before due date. Having the ideal banking relationship was extremely important to me because I was building my credit in preparation for buying a home next year. 

For this reason, I was taken aback when Capital One abruptly and arbitrarily closed my XXXX Capital One credit card account on XX/XX/2022. After speaking with various customer service specialists, I was informed that the decision was made because Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. After receiving this upsetting news, I received an email informing me that my bank account will be closed on XX/XX/2022 for the exact same reason. This notice was emailed to me on today, XX/XX/2022. 

These accusations are not only outlandish but defamatory. I have no fraudulent or legal action that would warrant being treated this way. I even made one last attempt to resolve the issue by calling Capital One yet again. I even offered to send in any supporting documentation that could clear my name. However, the Customer Service specialist stated that her hands are tied since the bank made the executive decision to close all accounts associated with me. 

There is no merit to these accusations and Capital One has made it clear that they will not be reopening any accounts, now or in the future. Therefore, I have decided to file a formal complaint. I am clearly being discriminated against and Capital One has no grounds to close any accounts or make such claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX I had gotten very sick and fell into a hardship to maintain my financial expenses. This effected my credit score outstanding. I was late for my car note payments from santander for XXXX $ for 2 months ( XXXX & XXXX ) and I was released from work because of unjust behaviors. I had to start back working and doing 10 hrs plus over time a week just to catch back up on all my payments towards my Santander auto loan. Me being sick and missing work for those weeks hurt me a lot.
Product: Credit card or prepaid card

I purchased a gift card on XX/XX/XXXX 2023, that was fraudulently used. 

I contacted Incomm immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, 2023, Incomm requested documentation on the card, which I provided and also attached to this complaint. 

Since then, I have not heard any updates on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX  XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed numerous disputes with XXXX in regards to my XXXX XXXX Amex and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and XXXX both removed items. XXXX removed the items then placed it back. Not to mention they are repeatedly showing Amex as a open delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, and cbna inquires were on my credit report. I submitted police reports and Equifax said all inquires no matter if you didn't do them are facts and stay on your report even if you never allowed them. They also won't let me change any info on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this letter to you in response to a notice I received from you on XX/XX/2021. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that highlighted significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They have informed me that recovering lost funds is impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Discover Bank regarding an incorrect balance reported on my credit report for the account ending in XXXX. The balance currently listed is {$1700.00}, which does not accurately reflect the true amount I owe. This discrepancy has resulted in inaccuracies in my credit report and may be negatively affecting my credit score. Such erroneous reporting compromises the integrity of my credit history and misrepresents my financial obligations. 

This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that creditors and furnishers of credit information ensure the accuracy and completeness of the data they report to credit bureaus. Specifically, under 15 U.S.C. 1681s-2 ( b ), furnishers are obligated to investigate and correct any inaccuracies they have reported to credit bureaus. The incorrect balance listed by Discover Bank not only fails to meet these legal requirements but also undermines my ability to maintain an accurate and fair credit profile.