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

I was a victim of identity theft and I am currently in XXXX and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Product: Credit card or prepaid card

I have had a Capitalone credit card since 2001. I have always paid my bill on time and in full. It is a business card and throughout the years, I have changed the name of the business without issue. However last week, when I tried to change the business name ( please note that in these 20 years, my personal name and social security number have always been on the card ) I got a call back saying they were cancelling my card in 60 days and I would have to apply for a new one. This is problematic since I froze all my credit information with the three credit report agencies when XXXX had the huge data breach a few years ago. I don't want to have to unfreeze and then freeze again. Besides, Capitalone has 20 years of history with me and that history has been without blemish. 
While I spoke to an agent and then her supervisor, their decision process seemed arbitrary and deceptive. Why now? Is this some form of discrimination? I had no letter from Capitalone explaining their policy and why. The agents were reading from a script and couldn't enlighten me about the company 's rational. On a practical level, why turn away someone who had been an excellent customer for many years? `As far as I know, they didn't research my account and my excellent history with the company. 
When they told me that I would be cancelled in 60 days, I cancelled the card immediately. I didn't want to do business one more minute with a company that had randomly cancelled my business after 20 years.
Product: Checking or savings account

I had an incident with Eastern Bank - XXXX XXXX - XXXX ( XXXX ) in XXXX XXXX, MA on XX/XX/XXXX. I deposited {$200.00} in cash. The next day, I got the confirmation email of my deposit and it said, {$180.00} was deposited. My RECEIPT said {$200.00}. I immediately went to the bank and the bank manager wasn't very helpful or apologetic. She went up to a bank teller and proceeded to speak to her in XXXX, even thought both of them know how to speak English. That's so unprofessional. And also makes the assumption that because I'm XXXX, that I don't speak XXXX. And the teller said in XXXX that it was {$180.00} as well. And the manager didn't apologize and was defensive, " People make mistakes. '' So I went to Eastern Bank in XXXX XXXX and I asked them to look into it. They told me that it was Teller XXXX and that my deposit slip was tampered with and altered to read {$180.00}, ten minutes after I left the bank on the XXXX. Later on the XXXX, I got a call from the manager of XXXX XXXX and they credited my account. But whatever happened, this is criminal and this needs to be investigated. As well as the unprofessional behavior of the manager. -- UPDATE : I heard from a XXXX XXXX from the problem resolution specialist. We exchanged a few emails regarding the issue, and then she said she had to speak with me on the phone to validate my account. I avoid speaking on the phone, because of the lack of a paper trail. That's when she proceeded to tell me that the deposit slip was written out for {$280.00} and that I told them to change it to {$180.00}! I did NO such thing! I asked her for a copy of the deposit slip and it's CLEARLY forged! If any changes were supposed to be made, I would have had to initial or make out a new slip, etc. But that didn't happen, because the teller made the changes after I left the bank! Then I received a letter from Eastern Bank saying that I made a cash deposit of {$180.00}. And said that the cash deposit of {$100.00} was incorrect!!!!! Didn't mention anything about the deposit slip being forged to read {$280.00} and then {$180.00}! SEE ATTACHED photos of the doctored deposit slip. You can CLEARLY see that I DO NOT write my 8 's or 1 's the way it is written! It's not my handwriting! Too late for Eastern Bank to back-pedal on that one! Photographic proof! I also filed a police report.
Product: Student loan

I was contacted by Action Financial o make arrangements to pay my student loan balance off and told if I did not make arrangements my paycheck would be garnished. I explained that my finances have been devastated over the past 3 years because my husband became very ill. He lost his very good job and we also lost our home. I filled out the financial form and told them that we were already making over {$500.00} in payments to the IRS. I was told that they could not factor the payments we were making to the IRS in the payment arrangements. I asked for a hearing on the matter. in XX/XX/2018. I received a response in a letter dated XX/XX/18 that was postmarked XX/XX/18 that I received on XX/XX/18. The letter stated that I had 15 days from the date of the letter to make arrangements with Action Financial or my paycheck would be garnished at a rate of 15 %. I called Action Financial on XX/XX/18 to make a payment arrangement. They gave me an arrangement of {$310.00} per month and told me I needed to close the deal within a few days. They also told me that the DOE had already contacted my Employer to garnish my wages and they could not explain or understand why. I contacted the DOE on XX/XX/18 or XX/XX/18 and was told that the garnishment could be suspended and my garnished wages returned once Action Finance confirmed my arrangements. I emailed them current pay stubs and a recurring payment form all by XX/XX/18 within the 15 days. When I kept pressing Action Financial for how they payments were going to be handled since there was the garnishment and now the recurring payment that would be taken from my account and paychecks. I kept getting vague answers from both Action Financial and the DOE about how the suspension of the garnishment would occur and only the payment arrangements would be deducted. I was promised on XX/XX/18 that I would get a return call detailing with certainty how this would occur. I never got a return call and I called several times since them and kept being told that the team assigned to my case are unavailable and would call me back. I am so afraid that they garnishment of {$350.00} from each biweekly paycheck will continue and the recurring payment of {$310.00} per month from the payment agreement will also be taken. I feel like I am being set up to take all these payments and not allowing me the process they promised me in the letter. And the DOE keeps sending me to Action Financial and Action Financial is acting like they don't really understand how this could happen. They will bankrupt me and cause me to lose even more. My husband 's medical expenses cost us a lot each month and now with this I don't know what I can do. These are some of the worst tactics I have ever seen and it is not fair. I am getting sick trying to deal with this situation and my husband 's illness. I don't understand how they could be so heartless.
Product: Mortgage

Green Tree Services had excepted a payment in full and left with just about nothing. Yet they still have a negative on my credit report. XXXX XXXX was going to give me XXXX funds to relocate and XXXX decided they did not want this considering they were not going to get their full payment. So I was forced to settle for XXXX, not once did I have anyone come to my defense in order to get me what could have gone a long way. Malicious acts from those who have power. On top of not giving me the funds, I am stuck with a negative on my credit report till 2020. Some justice.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

On  XX/XX/XXXX  FED  LOAN  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED  LOAN n ever responded to my letter. I sent a complaint to the CFPB about this matter and then FED LOAN decided to respond with electronic copies which I did n't ask for. I specifically asked for the ORIGINAL INSTRUMENT OF INDEBTEDNESS. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XX/XX/XXXX  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/XXXX  FED LOAN jumped the loan amount back to {$50000.00}. I 've also attached my bankruptcy paperwork filed  XX/XX/XXXX  and  discharged   XX/XX/XXXX  which includes  XXXX   XXXX   XXXX   XXXX  in the amount of {$14000.00} and  XXXX   XXXX   XXXX   XXXX   (   student loan )  for {$7000.00} which I do n't see reflected on my FED LOAN statements.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Credit Report dropped mysteriously on XXXX Noticed Cbna hard hit Inquiry from XXXX XXXX, 2017.
I did not apply for a credit card with this company or any related company under this bank. I did not  authorize a hard inquiry from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, XXXX, and Experian and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

XXXX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX Via XXXX XXXX XX/XX/2019 EXPERIAN : XXXX CREDIT/XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX Finance XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX of 2022 i sent a letter to Experian certified mail and was informed that the letter had been received disputing items from my account, disputing inaccurate personal information along with a copy of my driver 's license. I request information on how the information was validate and requested that they research and remove permanently all disputes. It has been almost two months and I have not received a response. By law FCRA if a credit bureau does not respond in 30 days they have to remove all disputed items and as well as personal information and inquires updated and removed. I have attempted to call several times and request a new report which I still have not received. I am in the process of filing a Class A action lawsuit against all three credit bureaus for inaccurate information, negligence, emotional stress and reinsertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account on my credit report  XXXX   XXXX ,  XXXX  {$540.00} multiple times with Experian and they continue to not remove the account from my credit report. I do not owe this creditor this account does not belong to me. I sent a certified method of verification request to them on  XXXX   XXXX ,   XXXX   and it was delivered on  XXXX   XXXX ,   XXXX  . I have not received any evidence supporting the creditors claim that I owe the debt of {$540.00}. This account has hurt my  credit score  tremendously and continues to do so everyday this account is allowed to remain on my credit report. Experian has not responded at all to my method of verification request and it has been well past the 15 days that they have to answer to my request I want this account removed from my credit report.     On the sam e Method of Verification r equest I listed the following account   XXXX   XXXX    {$12000.00} requesting for the information they used to verify this account and the same as the above applies I have not received any thing from Experian in regards to the  Method of Verification  request I sent to them for this account either. I want this account removed as well. Experian seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were hit with COVID in XXXX of XXXX. The entire world went into a state of panic and shock and I was laid off indefinitely working in a salon as no one knew if the world would even reopen. Trying to provide food for my family, I was unable to make my credit card payments a few months after my savings ran out. I called Capital One multiple times and explained that my unemployment wasn't in yet and that I was laid off due to a pandemic - something completely out of my control and not my fault. I was told that this was understood and that this would not negatively impact my credit due to the circumstances of the world. Upon reviewing my credit report, this is not what happened, there are several lates on here from when we were in a state of world emergency. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all reported lates on my credit report. This is absolutely unfair. I tried to keep everything a float as long as I could to make sure my payments were made, but a few months into the pandemic, I couldn't and I thought this was understood with Capital One as I called them and spoke to them many times about this. I have been back to work since XX/XX/XXXX and caught everything up my first paycheck in XXXX and have not been late since. this is unethical and unfair to hit my credit during the pandemic with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections ARS National Services on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to XXXX XXXX ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : ( 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 EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX, Acct # XXXX  Date opened XX/XX/XXXX, XXXX XXXX XXXX acct # XXXX date open XX/XX/XXXX, XXXX XXXX Acct # XXXX Date open XX/XX/XXXXXXXX XXXX XXXX acct # XXXX acct # XXXX, date open XX/XX/XXXX, XXXXXXXX XXXX  Acct # XXXX, Date open XXXX XXXX, XXXX, collection account XXXX XXXXXXXX acct # XXXX, Date open XX/XX/XXXX, Hard inquiries XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the reporting agency. It has been more that 45 days since they received my letter yet I have not received a response nor have they corrected the errors involved
Product: Credit card

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of credit card reporting. Account ending in XXXX.
Product: Credit card or prepaid card

A few weeks ago some one went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to make a payment for me, on my account. The person making the payment is not in my account and is not authorized to get any information nor make any transactions, yet the customer service representative/sales agent provided information on my account without my authorization. This action caused a series of events that affected my life including the possibility of a divorce.Attempted to contact corporate office as well as customer service but phones are not working.
Product: Mortgage

this mortgage company AMERIHOME MORTGAGE XXXX XXXX XXXX XXXX NJ XXXX MY LOAN NUMBER XXXX HAS MISAPPROPRIATED MY MONEY IN THEIR ACCOUNTING {$170000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$160000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$3500.00} DIFFERENCE MISAPPROPRIATED TO SUSPENSE DESPITE MAKING A REPAYMENT TOWARDS PRINCIPAL, PRINCIPAL HAS INCREASED INSTEAD OF DECREASING AND NOT GIVING ANY SATISFACTORY EXPLANATION FOR THIS FRAUDELENT MISAPPROPRIATION AS PER THE ONLINE CHAT TRANSCRIPT WITH THEIR CUSTOMER REP ON XX/XX/2018 ATTACHED HEREWITH BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion shows that I have XXXX accounts with a delinquent status, but at most I have XXXX accounts that are delinquent. I suspect that XXXX XXXX is incorrectly reporting a closed student loan account as currently being 60 days delinquent, but TransUnion will not assist me in resolving the error.