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

XXXX XXXX is reporting a remark on my Transunion, XXXX, and XXXX reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you
Product: Debt collection

Im filing a formal complaint on midland credit management after reviewing my credit reports on all three credit reporting agencies I noticed that midland is in violation of the FCRA and the fair debt practice Act I disputed this account numerous times with all of the four major reporting credit agencies and midland failed to note the required noticed of dispute on all of the reporting agencies this information must be deleted immediately for violations. Midland please send me in writing confrontation that this tradeline has been removed from all reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I Went to go purchase a house with my wife and and when we went to apply for credit I found out that I had alot of stuff on my credit report that didn't belong.
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 XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

I was targeted for the Citigold banking XXXX AAdvantage miles promotion that was happening. I followed the terms and legitimately funded the account with XXXX of my credit cards and began to use the provided debit card for bill pays and spend. When I hit my promotional requirements of spending {$1000.00} and making 2 consecutive bill pays, I was told that I have met the requirements and will now just have to wait 90 days ( until XX/XX/XXXX ) to get my miles.I was charged {$60.00} dollars of maintenance fees in this wake. After XX/XX/XXXX hits, I have not gotten my miles and they are telling me they have to INVESTIGATE my account which will take ANOTHER 90 days. That 's another {$90.00} of " maintenance '' fees.
Product: Mortgage

On XX/XX/2020 I submitted a request via email to Dovenmuehle because forbearance had been in accurately reported on my mortgage loan and my credit report. I followed up with Dovenmuehle on XX/XX/2020 with 3 phone calls and I was told my issue would be resolved within 10 business days. During one of my calls that days I requested information on how my loan was put into forbearance status without my knowledge or consent and what actions I needed to take to ensure this was resolved. I was not given any information but I was advised a supervisor would look at my case and call me back within 2 business days and I  never received a call back. I called again XX/XX/XXXX and was told the same information once again. Again after waiting 2 days I never received a call back. I then placed another call and I was told Dovenmuehle mailed out documents to me and the week before and to wait to receive the documents. The mail I received from Dovenmuehle stated they were researching my issue. I've continued to call Dovenmuehle several times a week and in some cases several times a day and it has now been over 90 days with no resolve. I have received 2 letters stating they are researching my issue but I have yet to see any follow up or correction.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 XXXX Balance {$1100.00} ; XXXX XXXX XXXX Balance {$800.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$980.00} ; XXXX, XXXX ( Original creditor : XXXX ) XXXX Balance {$3100.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$860.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$560.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$700.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX XXXX {$5200.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX WY XXXX, FL XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX NA Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

On XX/XX/year>, I tried to use the card to make a purchase of {$1300.00} at a local automotive repair garage that accepts American Express. I have a balance on my gift card of {$2000.00}, that was enough to cover this transaction. The card was declined at the merchant with a message of " XXXX XXXX XXXX ''. 

I went home and called American Express ( XXXX ) to find out why. The phone system was not user friendly and kept disconnecting me. I eventually reached a representative after multiple calls and experiments with different, non applicable, message tree selections. 

The operator was not able to help or provide any conclusive information. Only possible reasons that the card was being declined. The operator solution was to use it at a different merchant. This was not helpful as I needed to use the card at a specific merchant that accepts American Express to pay a bill. I asked if the operator would escalate my call to someone who may be able to provide me a solution. The operator would not do this. Only reiterating to try the card at another merchant and call back if still an issue. She said there was nothing more she could do for me. 

I researched the issue online and found many complaints about American Express XXXX cards not being widely accepted, even at XXXX that accept American Express. 

I ended up paying cash from a checking account, significantly impacting my day-to-day personal finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right 15usc 1671 section 602 states I have right to privacy.15 usc 1681 section 604 A section 2 : it also states a consumer right furnish an account without my written instructions. 15 usc 1666b : A creditor my not treat a payment on a credit card open-end consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out Identity theft packets to all 3 credit bureaus they have not blocked my information that I deemed fraudulent on my account.Bc by law all credit reporting agencies Must block any information deemed fraudulent by the consumer within 4 business days of receiving their identity theft Report. They have failed to do so this is my 3rd time sending them my packet with the information deemed fraudulent a most recent packet got delivered to all 3 on XXXX I have yet to see those accounts come off my report.I NEED THESE DELETED NOW!!!!!
Product: Credit reporting or other personal consumer reports

according to the FCRA laws, debt collects may not come after you for debt without a written consent from myself that I am aware my debt is being sold.
Product: Checking or savings account

I deposited a check from a customer on XXXX XXXX in the amount of {$6200.00} and allotted several days for the funds to deposited into my account. Chase Bank deposited the check into my account and I utilized the funds only for check to be canceled on XX/XX/XXXX leaving me debt and over extended my account. 

After numerous hours/days, Chase Bank informed me there is nothing they can do despite me trusting their resources only to pull back the funds. Chase informed me the check was fraudulent but they deposited the check and only advised me a week later that the check was fraudulent. I already utilized the funds and Chase is now shielding themselves and leaving their customer, me, to absorb the fraudulent activity. I requesting Chase to cover the {$6200.00} expense - nothing more.
Product: Debt collection

I filed Chp XXXX, which was later converted to a chp XXXX. In the plan payments, Kohl 's agreed to {$280.00}, which was to be paid to their Bankruptcy attorney, XXXX XXXX  XXXX. The debt was paid in full, but Kohl 's is saying that I still owe {$78.00}. To make matters worse, they are reporting to the credit bureaus, which is a direct violation of the Chp XXXX bankruptcy. Because they keep doing that, it continues to affect my credit very negatively. This is borderline extortion. I have called both Kohl 's and XXXX XXXX  XXXX numerous times and neither are helpful. I have a letter from my attorney and emails from XXXX XXXX  XXXX that the debt has been totally paid. I have the check images of all the payments to XXXX XXXX  XXXX and have sent those to XXXX, but as of today Kohls ' refuses to acknowledge that the debt is paid and once again, reported the account past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received the response to my dispute with Experian regarding their satisfying the Method of Verification requirement as per the FCRA. I appreciate that they felt the need to give a general discussion of their process of which I am well aware but have in no way stated how the satisfied the law in this case, nor have they provided the requested specifics of how they allegedly verified this information. 
The FCRA is a law that was created to protect the consumer. What is the point in having laws if theyre not going to be followed? FCRA Section 611 ( a ) ( 6 ) and ( 7 ) provides for the method of Verification and the fifteen day allotment passed with none of the requested data that was my right to ask for, who was contacted at these companies to verify the data, what documentation was used, etc. Otherwise anyone working there, even the janitor can say something was verified, if the company was even contacted to verify. When damaging information is placed on ones credit file, one has a right to ask for specifics! XXXX XXXX   can say this data is verified and accurate within the 30 day timeframe but in my dispute against them directly with the CFPB, theyve taken almost two months to verify without result yet? 
I am aware that Experian has various procedures in place to attempt to ensure their files accurate. What I need here and demand within my rights are the specific process used on this instance! The person contacted at each company! The documentation that they used to claim verification! I dont need to know general procedures. The timeframe has passed to fulfill the FCRA on this issue. Either specific details on who was contacted and what documentation was provided must be provided or the accounts in question, two XXXX, one XXXX XXXX and one XXXX XXXX, must be delete from my file.
Product: Credit reporting or other personal consumer reports

I have names and addresses that are different on all three of my credit reports also old addresses that are none mailable addresses currently I have sent current updated addresses to all contracted financial institutions I ask that the old be removed
Product: Student loan

My loans were transferred in XXXX from XXXX XXXX XXXX  to MyFedLoan, after I submitted a request to complete PSLF. My ending balance from XXXX when this transfer occurred was : {$100000.00} Upon further research, I requested a refund for payments made between XX/XX/XXXX and XX/XX/XXXX ( which was the last date I made payments towards my loan ). The amount equals, {$8600.00} towards loans that were NOT closed out. 

On XX/XX/XXXX, I requested to MyFedLoan a refund of these payments, they needed documentation from XXXX of my payment history, which I provided from XXXX, and highlighted the payments which qualified for this refund. I was told ( after calling several times ) I was eligible to receive {$7700.00} as a refund, which should take 2 weeks- 2 months. The amount was added back to my loan balance, equally {$110000.00} -- NOT " pending '' - simply readded back to my balance. 

After I kept calling, received SEVERAL different answers from several different reps, I was told this is normal and the refunds are taking more time due to an influx in requests. I then learned that one of my payments on XX/XX/XXXX of {$900.00} was not initially counted towards " payments I can get as a refund '' and I requested that one to be added in XX/XX/XXXX. I received a check for {$900.00} a few weeks later and my new student loan balance read {$110000.00}. I continued to call MyFedLoan with attempts to have this issue escalated in order for me to receive this payment of my refund, without a resolution. I was then told my loans would transfer to XXXX on XX/XX/XXXX ... and they still currently do not have my information until XX/XX/XXXX. 

I am submitting this complaint, as I am still owed {$7700.00} that was requested in XX/XX/XXXX. I am not sure where to turn at this point, but have been scammed out of this money - repayments will be resuming soon, with accruing interest, on this amount that I have not received back. 

Please advise
Product: Credit reporting or other personal consumer reports

The List of accounts, address below has violated my federally protected consumer rights privacy and confidentiality under 15 USC1681. 


( XXXX ) Accounts : XXXX XXXX XXXXXXXX Account # XXXX # XXXX, XXXX XXXX XXXX Account # XXXX # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX, XXXX and Equifax Report credit report on XX/XX/year>, and noticed some things are inaccurate due to my identification being compromise and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to FCRA 605B ( 15 U.S.C. 1681c-2 ), And according to 15 USC 1681 ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to FCRA 605B ( 15 U.S.C. 1681c-2, ( 15 U.S.C. 1681c-2 ) they are supposed to 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. 


Please block this information from my credit report, pursuant to section FCRA 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then XXXX business days after the date of receipt by such agency XXXX, XXXX, Equifax. 

A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B, 15 USC1681c-2, of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 


I appreciate your prompt attention to this matter and await your reply. 



Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. 

Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at [ your phone number ] or [ your email address ]. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Upon checking my credit reprot I have discovered fraudulent hard inquiries which I have not applied for, the hard inquiries are 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 XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

USAA Federal Savings allowed 2x checking accounts to be opened under my profile after I informed them unauthorized wire transfers were being executed without my consent from my USAA Accounts. The checking accounts were used to remove and transfer {$35000.00} to fraudulent banking accounts in XXXX. USAA Fraud department sent no emails or made no phone calls to update me on the fraud or the actions the company is taking to fix the known fraud. The company hasnt even reached out to let me know my data was/is compromised.
Product: Debt collection

A XXXX account was opened in XXXX using a previous last name of XXXX. I've shown XXXX my social security card with my current name issued before the XXXX account was opened, and my State Drivers License with my legal name on it. I had no knowledge of the account until I received a notice to appear in court from their law firm. I go to court XXXX XXXX, XXXX. 

I believe this is a theft case that someone stole my identity using my old name but same social security number ; it's not only XXXX, it's a few other accounts that were also opened in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information from addresses, Names spelling credit inquiries actually credit reports