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

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA XXXX5 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX, has violated my rights Details of the Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Georgia, XXXX
Product: Checking or savings account

1. I had a XXXX account and decided to add XXXX onto that through XXXX. I ended up cancelling my XXXX and received an email from XXXX stating that, since the accounts were connected, that account was also canceled. They continued to charge me. 
2. I tried to resolve it through XXXX but didn't have the 1 piece of identification they required to prove my identity so they wouldn't help me. 
3. I filed a dispute with Capital One. 
4. The initially refunded my stolen money but later reversed it for, what they claimed was a lack of response on my part. I attached emails proving that wasn't true. 
5. When I called to refile it the customer service person with Capital One was getting the few disputes I had confused so I asked to speak to their manager. 
6. That manager told me several lies including the fact that I only had a few month window to file a complaint per the terms of service. 
7. I filed a formal compaint with Capital One with both their poor service, their denying my dispute for my lack of response when I actually had responded, and for them lying to me multiple times. The call was recorded so it'll be easy to hear all their different lies. 
8. The money was returned to me and then later taken back out of my account when they denied it a second time. 
9. Miraculously XXXX stopped charging me but never refunded the money they stole. 
10. The compaint I filed with Capital One was never followed up on with me after I tried reaching back out severa times.
Product: Debt collection

On XX/XX/2020 I sent four certified letters and didn'thear anything back from any of the companies
Product: Mortgage

I had paid off this account on XXXX XXXX 2015 to Green Tree Servicing in the amount of {$120000.00}, as the proceeds were wired to them by the closing attorney. I have asked them to send me the exact posting information, as how much was posted to the principal, interest, escrow and what kind of fees were charged. Instead Green tree field a Foreclosure against me in the XXXX, SC on XXXX XXXX 2015 ( which was later dismissed after i became aware of it and sent their attorney an email ) Until today, Green Tree has failed to provide me with any detailed information. The only letter I have received says that there was a check sent to me on XXXX XXXX, 2015 ( This is XXXX 2015, not XXXX 2015 ) in the amount of {$1700.00}. When I call their customer service, they give me run around and treat m every rudely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter last XX/XX/XXXX and I still have not gotten any response from Equifax regarding verifying inaccurate items on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

On XX/XX/2019 KLS Financial Services , Inc. ( XXXX XXXX XXXX XXXX, NC XXXX ) contacted me regarding a debt that was owed in the amount {$140.00}. The agent explained to me that if the debt was paid on XX/XX/2019 they would not report the debt to the credit agencies. With that being the case I settled and paid the debt for {$110.00} which excluded the late fees and penalties. 

On XX/XX/2019 I got an alert on my credit report that a debt in the amount of {$140.00} was reported. I contacted KLS immediately upon receiving the alert and the the answer I got was that the report had already been sent on XX/XX/2019 and no one had saw this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}.
Product: Credit card

On XX/XX/2024 there were 4 unauthorized transactions made with my credit card. The amounts are for : {$32.00} {$23.00} {$310.00} {$26.00} I locked my card and called the fraud department as soon as I got an alert of possible fraud on my phone. The credit card company canceled my credit card and mailed me a new one and gave me temporary credit for the unauthorized charges meanwhile an investigation was being made. I received a notification 2 days later that my case had insufficient evidence of fraud and is now holding me responsible for these unauthorized charges. When they clearly state they have a {$0.00} liability for unauthorized charges.
Product: Student loan

Dear CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan on XX/XX/XXXX and disputed contradictory letters I have received ; FedLoan Servicing never responded. 

I contacted FedLoan via chat XX/XX/XXXX to understand how my payments were calculated towards the PSLF/TEPSLF programs. I requested a review of a number of payments that were incorrectly marked as ineligible for the TEPSLF. It would appear I should be eligible to apply XX/XX/XXXX. 

I contacted them again on XX/XX/XXXX as no updates had been made to my account. They informed me it could take up to 90 days for the review to be completed. On this date of contact, 105 days had passed. 

I submitted an application for forgiveness on XX/XX/XXXX. On XX/XX/XXXX, I receive a letter stating I had only made XXXX payments towards the TEPSLF program. However, all of the payments since my previous employer certification from XX/XX/XXXX to the current date were not included, adding an additional 9 payments, bringing my total to 119 payments. 

On XX/XX/XXXX, FedLoan contacted me via phone and informed me that if I resubmitted my application on XX/XX/XXXX or later, I would meet the 120 qualifying payments. 

My application was resubmitted and received on XX/XX/XXXX. 

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter confirming I had made 120 qualifying payments for the TEPSLF program. My account was also updated to reflect I met the 120 qualifying payments. 

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter stating I was ineligible for forgiveness under the TEPSLF program as I only had 110 payments. It is impossible for my payment count to still be 110 6 months later when I meet the criteria. 

I have not changed my qualifying employer in over 9 years and previously worked at a qualifying employer ( all of which has been verified by FedLoan ). 

I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix this and forgive my loan as I have submitted my application, meet the criteria, and have surpassed the number of qualifying payments. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Debt collection

Amazon has not provided a 1099-C for the charge off that they have reported to credit bureaus monthly.
Product: Debt collection

XXXX XXXX emailed me that I have an open collection. So i open it and saw a {$610.00} debt collection from XXXX. I do not where this come from. I do not owe {$610.00} on anyone. I have no information about this debt that they are talking about.This is theDebt i am talking about. 

XXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ 614BalanceCOLLECTIONOriginal Creditor $ XXXXHigh BalanceMay XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibility
Product: Checking or savings account

I was charged a " Returned Mail Fee '' even though my address on file is correct. It was not my fault that the mail was returned and XXXX XXXX refuses to refund me.
Product: Debt collection

XXXX XXXX XXXX XXXX ACCOUNT WAS OPENED BY FRAUD. SOMEONE STOLE MY IDENTITY TO OBTAIN THIS FRAUD CARD AND SHALL BE DELETE FROM MY CREDIT REPORT. SPACE COAST ACCOUNT BALANCE {$7500.00} IS DUE TO FRAUD ACTIVITIES. I REQUEST PROOF OF VALIDATION ABOUT HOW THIS FRAUD ACCOUNT WAS ABLE TO OPEN WITHOUT MY PERMISSIONS OR KNOWLEDGE. DELETE THIS FRAUD ACCOUNT BY LAW.
Product: Debt collection

XXXX XXXX XXXX quoted us ( homeowners ) up to {$1200.00} for complete water remediation AND repairs to our property. Nothing was signed by us but we agreed to pay a {$600.00} deposit to start. We never received a price list nor a written estimate. After water remediation was done XXXX sent us bill for {$1700.00}. We complained and they reduced bill to {$1200.00}. They never started any repairs so we did not pay any additional funds. Now we are getting collection notices from N.A.R. a collection agency demanding {$650.00}. As XXXX the work ( repairs ) was never completed we refuse to pay. In addition, our tenant has received a collection notice from N.A.R. for the same invoice but for the amount of {$1700.00}. Our tenant called N.A.R. and asked questions and was told he had to pay in full by XXXX XXXX or his credit score would be affected.
Product: Mortgage

This is a scam alert. I sold my house two years ago and now im receiving post cards from a company portraying to be movement mortgage. Says I need to call XXXX as soon as possible- Ref # XXXX - Important matter regarding this loan. 

I don't have a loan with them anymore.
Product: Debt collection

Changed car  insurance companies on XX/XX/2023. Prior to this, on XX/XX/2023 I informed XXXX XXXX ( XXXX ) I would make the switch. I called and asked the Customer Service Rep ( CSR ) what was owed on my account. ( Previously, I had changed from XXXX XXXX XXXX to XXXX XXXX without any problems. ) She informed me I owed them {$71.00} but the XXXX XXXX XXXX might charge me a fine of {$550.00} for switching insurance companies. I had never heard of this " fine '' and I called the office of the XXXX XXXX XXXX. They advised me some insurance companies say things like this, but they have nothing to do with the policies insurance companies exercise. I sent the {$71.00} that the CSR said I owed to LM. My check was received & cashed.

As I mentioned, CCS is the XXXX collection agency that contacted me about owing XXXX XXXX money but unlike the XXXX collection agency they've reported this erroneous information to the credit reporting agencies. 
I want CCS to have their collection debt removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed Pro Collect Inc a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered to Pro Collect on XX/XX/2023 at XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XX/XX/2023 and I have not received any correspondence back from Pro Collect. This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH PRO COLLECT NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Product: Credit reporting

I DISPUTED ITEMS ON MY CREDIT REPORT WITH ALL XXXX REPORTING AGENCIES, XXXX, AND EQUIFAX. SENT ALL DISPUTES CERTIFIED MAIL, THEY SIGNED FOR THE DISPUTES ON XXXX XXXX. EQUIFAX NEVER GOT A RESPONSE BACK TO ME AS OF YET, WHICH IS WAY PAST THE 30 DAYS ALLOWED BY THE LAW. ON XXXX XXXX THEY WERE SENT ANOTHER LETTER BY MY ATTORNEY THAT THEY WERE IIN VIOLATION OF THE LAW, AND ACCORDING TO THE LAW THEY MUST REMOVE ALL DEROGITORY ITEMS WE DISPUTED OFF THE CREDIT FILE IMMEDIATELY AND AS OF TODAY THEY HAVE REFUSED TO AND ARE IN VIOLATION OF THE LAW.
Product: Checking or savings account

Funds have been removed without permission from my account, mother 's account ( XXXX ), and/or wife 's account without permission and possibly savings and checking. I have on a number of occasions gone to the branch bank to check where the funds have gone and to interpret my statements. I have not removed that much money! My involvement in her account began in 2006 upon her XXXX. There have been many account number changes in attempts to stop funds from being fraudulently withdrawn, and unaccounted.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.
Product: Credit reporting

My dispute is with Equifax. I have a public record on my credit report that is mine but it shows as XXXX separate public records when there should only be XXXX. A duplicate. I disputed and their findings was that it was mine. I then called them and explained that my dispute was not whether it was mine or not but that it is a duplicate with the same case number, amount, etc ... that shows as XXXX different public records. The person I spoke with told me he would file another dispute on just XXXX of them and put in that it was a duplicate and gave me this dispute number XXXX. Within a few days the results from that is that it is mine and they ignore that both of my disputes is that it is a duplicate showing as XXXX different public records when there is only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Financial Network keeps sending plastic cards via USPS with personal mortgage information for all to see - how much I still owe and estimated home value, I had previously submitted opt out to XXXX which has been ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion regarding an unauthorized inquiry on my report from XXXX XXXX XXXX via XXXX XXXX XXXX made on XX/XX/2019. I informed Transunion that i do not recognize this company/ inquiry, i did not apply for anything with XXXX XXXX XXXX via XXXX XXXX XXXX and for them to please remove it from my report because this is false and there for is indeed fraud. Transunion refuse to remove it, Stating that i need to contact the company directly to get it remove. I do not wish to contact a company who already committed fraud by using my information without my permission ( breaching my privacy ). This request is fraudulent and is negatively impacting my credit report causing me a lot of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XX/XX/XXXXDriver 's License # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear XXXX, I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are current. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number, and kindly confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, feel free to reach me at either my personal or business number. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XX/XX/XXXX Driver 's License # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear XXXX XXXX I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are accurate. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number and confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, please feel free to contact me at either my personal or business number. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XX/XX/XXXXDriver 's License # XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear Experian, I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are accurate. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number and confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, please feel free to contact me at either my personal or business number. 

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

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. The accounts reported are below. 
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX