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

Upon further review, it has come to my attention that I have been victimized by identity theft/fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They ran an unauthorized report on me. I did not authorize such an inquiry and demand that you contact these companies immediately and have the unauthorized inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may be subject to a fine. Pursuant to 5 U.S.C 552 ( b ) ( 6 ). Any personal, medical, or similar file is exempt from public DISCLOSURE if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the persons ' personal privacy. Failure to comply will result in a report being filed with the FTC CFPB & XXXX and once again id like to take this time to thank you in advance for your understanding compassion and most importantly speedy cooperation in this delicate situation.

If you have any questions, please contact me at the address listed below. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are reporting a XXXX  inaccurate and false information on my consumer report, and not In Accordance With ( IAW ) the FCRA. This information was not reported by the XXXX  court. The XXXX  information is as follows : XXXX XXXX XXXX XXXX XXXX, {$0.00}, Discharged XXXX. XXXX, 2016, Reference Number XXXX, Date Filed XXXX. XXXX, 2016, Filed at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX XXXX was told the Court Never releases XXXX  information to the public, nor does it report to CRAs. I was personally told by the Court that the only way such information is obtained is through the Public Access to Court Electronic Records ( PACER.gov ), which is a free service and provides the public with access to court records. Consumer violations are : 15 U.S.C. 1681 ( 4 ) : Congressional Findings, and 15 U.S.C. 1681c ( a ) ( 5 ) Information excluded from consumer reports, and no CRA may include any other adverse item of information to anyone. I have the right to privacy and These CRAs are violating my right to privacy. I have never given these CRAs consent or permission to give my information to anyone, which is a violation of 15 U.S.C. 1681b - Permissible purposes. The XXXX information is as follows : XXXX XXXX XXXX : XXXX, {$0.00}, Discharged XXXX. XXXX, 2016, Reference Number XXXX, Date Filed XXXX. XXXX, 2016, Filed at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delete this information now.
Product: Debt collection

I have been receiving a collections letter for a credit card that was opened under my name in XXXX. It was used to make several purchases such as XXXX 's, XX/XX/XXXX and to purchase coins. I never opened this account and have never been associated with the address of XXXX XXXX XXXX, XXXX, XXXX  XXXX. I would like to report this as fraud.
Product: Student loan

For MOHELA- I was proactive and applied for IDR before the start of repayment in XXXX ( XXXX XXXX? ), and also resubmitted when I was told that they couldn't accept the new IDR because I was not due, when I was, and the old plan expired in XXXX of XXXX. I reapplied for IDR in XXXX and told that it would be processed by the late-middle of XXXX, XXXX, but then received notification ( on XXXX ) that it would be up to 90 days for the IDR to be processed. I am also in the PSLF repayment, and was told twice ( once in XXXX and once in XXXX ) that they were going to count the days in the future, but then when I called to find out why I was put on a LEVEL plan, they said that the PSLF certification form was put in denied status. At that point, the service rep put in back as active, and helped me to resubmit an IDR request at that time. I got a bunch of notifications that I was still in the LEVEL plan and when I called back, they said yes, I was in the LEVEL plan, and that I needed to make a payment in XXXX, to a new date that I didn't request. I had requested back in XXXX for a payment date change to the XXXX of the month, but that was never looked at by the company. When I called XX/XX/XXXX, they reprocessed the date to the XXXX of each month, but didn't notify me at all that it had already been done ( why wasn't it processed automatically in XXXX? ). They also had told me that while they were processing my IDR, they would put me an administrative forbearance, but that didn't happen. Nothing is processing, NONE OF ANYTHING is being counted to my PSLF, which I need XXXX more payments to complete, and today ( XXXX ) they said that they'd put me in a processing forbearance, but that hasn't happened, either. I asked multiple times for a detailed summary of what we discussed during my calls but they refuse to do so. So now I don't even know where anything is, what I am supposed to do, other than watch for the next email to say what ever it is that they are doing with my account. Each time I call, it gets worse, not only the information, but the customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit report is incorrect and I have tried numerous of times to resolve the incorrect name, address, and phone number. Please Help me resolve this problem
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Second Request for Method of Verification of Account XXXX XXXX XXXX XXXX Account Number : XXXX ) Dear Experian, I am writing to formally request, for the second time, that you provide me with the specific method used to verify the accuracy of the following account reported on my Experian credit profile : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Status : Closed, {$2200.00} written off Date Opened : XX/XX/XXXX Balance : {$0.00} This is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires Experian to provide me with details regarding the method used to verify this account. Specifically, I also reference 15 U.S.C. 1681 ( a ) ( 6 ) ( B ) ( 3 ), which mandates that you must disclose the method used to verify any disputed information. As such, I request the following : XXXX. The method ( XXXX ) used to verify the accuracy of this account. 
XXXX. The specific documentation or records provided by the creditor or furnisher to verify the accounts accuracy. 
XXXX. A detailed explanation as to how Experian ensured the information was verified as accurate before reporting it to my credit file. 

As stated previously, I have filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding this request. Please be advised that should you fail to respond to this request within 15 days, as required by law, I will be forced to take further action, including seeking legal remedies for non-compliance with the FCRA and related regulations. 

I trust you will treat this request with the urgency it warrants, as it is my right under the law to understand the validation process of any information reported to my credit file. I expect a response within the XXXX period as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Debt collection

During the XXXX season of 2017, I opened a Macy 's credit card with a cashier because I was told I would get 75 % off the purchase if I did so. The interest rate was not disclosed to me at that time. In XXXX I received my first statement that said my interest rate was 26.99 %. I called XXXX 's customer service to close this credit card that I had not received in the mail yet after learning of the high interest rate. They told me there would be a fee of {$40.00}, and I said to charge my XXXX XXXX checking account. Later I looked at my bank account and saw a charge from Citibank for this amount. No where on any of the documentation for this credit card has there been anything stating my credit card is through Citibank. Because of this I filed a fraud claim against Citibank as I thought someone had hacked into my account. XXXX XXXX got me my money back. Later I received statements with late fees on my ( what I thought ) was closed card. I called XXXX 's to figure out why my card was not closed, and they told me the card had been reopened because my payment had bounced. This is when I found out that XXXX 's uses Citibanks card services. At this time I tried to call Citibank and disputed that their pull from my checking account was unclear because it should have said XXXX XXXX. I have since paid them back the money I originally owed plus 25 % which is {$47.00} but they want me to pay these late fees and interest rates that have been charged to me since I closed the account which add up to {$270.00}. This is unethical and they refuse to admit any wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XXXX  XXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XXXX XXXX  ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$3000.00} ) # XXXX INQUIRIES : 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

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX, XXXX XXXX, XXXX XXXX  # XXXX XXXX  XXXX  XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of XXXX, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by XXXX points in a month. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.
Product: Student loan

In XXXX at the start of my semester at XXXX XXXX I was told by one of the receptionist in the financial aid office that my costs and courses was paid off by the loan plus the federal XXXX XXXX. Then by the time at the end of the semester to make new classes I saw there was a hold in my account something didn't seem right so I went to the financial aid office and I met with a different receptionist to check my account status I was told by this other receptionist that everything including courses and tuition fees were not paid off entirely it seems. And I had to cut some of my classes because I was trying to find at least some type of income and struggling to study and make it to XXXX XXXX at the same time. I didn't have much money to take the bus all the time sometimes I had to walk home from XXXX and I don't have much of a support system at all. I just want to continue my education and I'm trying to transfer back to XXXX XXXX XXXX but the Students Acount Office In XXXX XXXX won't let go of my unofficial transcript and I told them I don't have much of a steady income money to pay off the {$200.00} dollar debt agreement in XX/XX/XXXX.
Product: Credit card or prepaid card

On or about XX/XX/2019 I received a phone call from wells fargo, asking me the was unusual activity on my credit card. I immediately told the agent to cancel the card as all the transactions where made in XXXX XXXX, when i was in XXXX the whole time. Wells fargo has decline my claim stating that i responded to a text and verified this transactions. My XXXX Was missing with my credit card in the XXXX case. I never locked the XXXX because my kids used it. Well imessage was link to the XXXX and tex messages send to my phone number will also go to the XXXX  and could be respond from there as well. Just to be clear the XXXX had its own internet service that i paid for and all the app and services were fully accessible. 
This is over whelming Because this there is almost XXXX XXXX dollars charged to the account that i have to pay now. 
I wish they had a little better fraud detecting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innacurate information being shared. Also my written consent was ever given.
Product: Credit reporting or other personal consumer reports

15 usc 1681 ( b ) ( 2 ) Permissible purpose of a consumer report- In accordance with written instructions of consumer ( Me ) to whom it relates. I did not give written instructions. To any bureau to pull my report and therefore all hard inquires must be removed immediately. 

XXXX XXXX ( bank ) XX/XX/2023. 
XXXX XXXXXXXX ( bank ) XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XX/XX/XXXX we began negotiations with Wells Fargo Home Mortgage to a deed in lieu of foreclosure. Each time we near the end of the application process, we are given the name of a " Home Preservation Specialist ''. When we call back that number, either the person no longer works there OR we leave a voicemail and no one calls back. They have done an inspection of the house and tell us, this will take another week or two to close. When we call to speak with someone, twice we have been told our documents are expired and we have to begin the application process again. We sent documents by XXXX last week, which were delivered and have been told this process of reviewing will take 30-45 days. In the meantime, they will have foreclosed on our house.
Product: Credit card or prepaid card

None of these incidents was me, inaccurate information please remove.
Product: Debt collection

I was originally contacted by a XXXX debt collection agency in the fall of XX/XX/XXXX for payment of phones, services, etc for approximately {$1400.00}. I opened Case number : XXXX and thought the issue was resolved until a received another notice from a different collection agency used by XXXX today, XX/XX/XXXX ( a year and a half later ). I have never done business with XXXX and need your help to make them stop hiring companies to harass and threaten me with bad credit, etc. It is unfortunate that they sold devices to persons unknown but my suggestion is that they vastly improve their vetting/authentication process before giving phones to strangers. 

Thank you, XXXXP.S. I do n't really view this as " identity theft ''. I view this as XXXX making a foolish sales decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 my husband and I went to Kohls to purchase shoes for a wedding that we traveled 4 hours to go to. At checkout the associate asked if I wanted to apply for kohls rewards that would give us 30 % off, I said yes. She instructed me to follow the prompts on the credit card pin pad. Once I finished entering my information, she got on the phone which was strange to my husband and I so I asked why she was on the phone. She then said she was talking to the back office about my credit card application. 

I immediately told her that is not what she told me I was applying for and that I do no want a kohls credit card. She told me I would not receive the 30 % off then, I told her that was fine and I did not want a credit card so she hung up the phone. 

I was recently notified that Kohls is reporting a credit card to the credit bureaus. That kohls associate needs to be reprimanded for falsely leading me to sign up for a credit card and calling it " rewards ''. So I didn't get the 30 % off my purchase AND STILL received the credit card.
Product: Mortgage

My home has been in foreclosure status for several years. I have repeatedly ask for a deed in lieu of foreclosure. I 've received numerous collection calls and one of the first questions they ask is if I reside in the home. I assume this is for them to ensure that the 'asset ' or home is secure and protected. I live in the home. I received notification for Sheriff Sale posted on my door on XXXX XXXX, 2016 with notification of sale on XXXX XXXX 2016. The sale is inevitable, but the month notification is not adequate in order to secure a new residence. When I purchased the residence I was making in excess of XXXX a year, I did not work for 2 years after purchasing the residence and now work full time but make less than XXXX a year. I 'm unable to keep the residence.
Product: Debt collection

CREDIT COLLECTION SERVICES ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MA XXXX Amount is XXXX The company reported this amount owed to XXXX XXXX to all 3 of my credit reports without verifying its mine and belongs to me. The company is refusing to remove off of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information XX/XX/2022 by sending off a letter to XXXX, Experian and XXXX. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. XXXX has open accounts that are also collections. My addresses are wrong and Experian and XXXX are not reporting open and closed accounts reported on XXXX. XXXX has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. Experian has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.S. Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes Experian, XXXX and XXXX. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Experian ) Account # XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) ( XXXX ) Account # XXXX ( XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.