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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX Passport XXXX Consumer ID ; XXXX Early warning services XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Phone XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX report. 

XXXX XXXX XXXX Bank routing # XXXX Account # XXXX Open Date XX/XX/XXXX Contribution ref # XXXX XXXX XXXXXXXX XXXX Bank routing # XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX BANK XXXX XXXX Bank Routing # XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX BANK XXXX XXXX Bank Routing # XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX I dont recognize the following account Above Question .I am a victim of identity theft and I don't recognize these accounts on my report. I am requesting the following information be deleted from my XXXX XXXX XXXX report immediately. I am attaching a copy of the report to this request.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We closed our HELOC loan with paid in full disbursement to Wells Fargo on XXXX XXXX, 2014. However, we were charged with XXXX interest payments in XXXX 2014. Wells Fargo received the first interest payment @ {$230.00} on XXXX/XXXX/2014 ; and then, Wells Fargo received the XXXX interest payment @ {$270.00} on XXXX/XXXX/2014. We believe the dollar amount of {$500.00} for interest in XXXX month was an overcharge on our HELOC loan. Also, Wells Fargo charged us {$40.00} for the county recording of our reconveyance. However, the county fee for this service is {$14.00}. We believe we were overcharged for this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent a notification saying my credit score changed. When checking the credit score, it stated on XX/XX/2019 I had two hard inquires from XXXX XXXX and XXXX XXXX XXXX XXXX . The issue is that I have a cell phone however I am not the primary on that account, so requesting an inquiry for two different companies does not make sense. Please advise on how to handle this situation. 

Thank you XXXX
Product: Credit reporting or other personal consumer reports

It was incredibly upsetting to find inaccurate accounts on my credit report this afternoon, and Im at a loss as to how they appeared. I regularly check my report, and this time, unexpected discrepancies were there without any explanation. I even tried refreshing the page, hoping it was just a glitch, but the incorrect accounts remained. Given this situation, I am requesting a thorough review of the documents Ive provided so I can feel secure about my credit once again.
Product: Mortgage

The Loan was sold to Shellpoint Mortgage. upon sale my monthly statements were reflecting wrong interest rates and based on that the payments were not being amortized correctly. I have called them six times to go over this, the following statement the interest rates are changed to six different amounts. one time showing both XXXX & XXXX next was XXXX and goes back and forth every month. In addition i believe that when they transfer occured they missed crediting for one of my payments. I am making principal reduction payments and not being credited for the extra principal deduction in my amortization. When I call customer service including asking for a manager, all they can tell me is they are going to send in a dispute to the department that handles that asking for a priority, but will not transfer me to a person in that department that can handle this matter, so i have to wait another month until my next statement shows up and then call again and start all over. They also want me to send in a dispute letter every month to try to fix this problem.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX XXXX XXXX XXXX Account type : Revolving Date opened : XXXX XXXX XXXX  Status : Charge off This account is closed and still shows on my credit report as negative and should be removed from my credit report.
Product: Checking or savings account

I have been trying to use my debit card over the last week. Every time, I try to make a purchase, Huntington flags the purchase, no matter what it is, as fraud, which results in my card being declined. Initial attempts at customer service were unsuccessful. They unlock the card, but then as soon as I make a purchase attempt, it is declined again. This has resulted in me having to spend a ton of my time on trying to get this resolved. Frequently the customer service number says Due to high call volumes, were not able to assist you right now. Please try again later. Huntington has a responsibility to provide me access to my funds. I want to be reimbursed for the hours of my time Ive had to burn trying to get access to MY money.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXXXXXX XXXX XXXX XXXXXXXX - {$140000.00} Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but Cornerstone reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with Cornerstone. 
Please have them remove these false errors on my credit report from both loans. Thank you
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity of the account XXXX XXXX XXXX XXXX : {$66.00}. I believe it was reporting in error.
Product: Credit card

Already spent time on having a XXXX issued, as well as a XXXX on the fraudulent party. Apparently, Self is in the business of theft themselves wasting the time of someone who judges fraud for a living. Incompetent and incapable attempting to waste my time further with internal " policies '' when the fraudulent bad actor is up for disbarment. Self Financial should learn the law instead of rote memorization of policies that are inferior to a legal application. I already entered a judgment of fraud for {$350.00} with the burden of proof on the false claimant if property rights. Self Financial can't even correctly define the burden of proof and think they actually have the ability to enact fraud judgments without a relevant judicial license.
Product: Student loan

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Account # XXXX has reported an account to collections that I have no knowledge of. a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay them. I have never stayed at this address nor did I have any relationship with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took the consumer loan from XXXX XXXX of amount XXXX aprox including interest. I payed the amount through installements and in XXXX i payed the remaining due which is pending. But when i checked in credit report it is showing XXXX only even after i paying full amount. It is showing only installments till XXXX only. XXXX, XXXX, XXXX, XXXX installements were not updated. Even i contacted XXXX  and equifax team but there is no proper response from both of them. I took the loan in XXXX and from XXXX I started paying installements every XXXX of the month and completed in XXXX. I sent the mails to equifax and XXXX  to why it is not updated. but there is no proper response from them.
Product: Debt collection

Here is the dispute that I sent to the company and haven't gotten a response. 

XX/XX/2023 To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : XXXX XXXX Address : Inquiries : Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Product: Debt collection

I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) XXXX ; and 2 ) LAW OFFICES OF MITCHELL D BLUHM I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I have no idea how they got there. I checked my credit report as I regularly do, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts didnt disappear. Im now asking that the documents I've sent be thoroughly reviewed so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

I am writing to request clarification regarding a concerning issue with my credit report. As a current student, I believe that my student loan which should be in deferment status, in accordance with the applicable laws and guidelines. However, I have noticed that this loan has been consistently having a negative impact on my credit score as reported by Equifax. I am seeking an explanation as to why my student loan, which should be in deferment status, continues to negatively affect my credit report. It is my understanding that according to the law, a student loan in deferment should not have an adverse impact on one 's credit score. I would like to request a detailed explanation as to why this issue is occurring and how it can be rectified. Additionally, I am eager to receive guidance on the steps I can take to ensure that my credit report accurately reflects the deferment status of my student loan, as mandated by the relevant regulations. I appreciate your prompt attention to this matter and look forward to your timely response. 

Reporting INFO : Between XX/XX/XXXX XXXX  and XX/XX/, your DEPT OF ED/XXXX  student loan account balance increased by {$120.00} from {$24000.00} to {$24000.00}. 

It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/year> XXXX : Dispute of Collections Action : Case # XXXX To Whom It May Concern : I am writing to formally dispute the inaccuracies reflected in my credit report concerning the collection actions associated with your agency. Attached you will find a copy of my credit report with the disputed items highlighted for your review. 
Specifically, I am contesting the following entry : RESURGENT/LVNV FUNDING Account # XXXX Dispute Item and Explanation : Permissible use violation, reporting to a third party inaccurate Private and personal Information, not providing original documentation of consumer relationship/debt or promise to pay, or contract. 

As mandated by state and federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand that you provide verifiable proof of this alleged debt. It has come to my attention that you have already contacted a third party regarding this matter, which is a blatant violation of the FDCPA. This misconduct is unacceptable and further undermines your credibility as a debt collector. 

I hereby instruct you to immediately cease all collection efforts until you have furnished adequate verification of this debt. You are also directed to refrain from contacting any third partiesincluding my employer, neighbors, or family membersabout this collection. All future correspondence must be conducted in writing and sent directly to me. 

Furthermore, I assert that any reporting of this matter to credit reporting agencies is premature. You are required to halt any negative reporting until you have thoroughly investigated my dispute. If any negative information has already been reported, you must notify the credit bureaus to remove such information pending the outcome of your investigation. 

Your next communication with me must either confirm that the creditor has failed to verify the debt and that the matter is closed or provide solid proof of my responsibility for this debt. If you assert that the debt is valid, I expect a comprehensive explanation for your refusal to remove it from collections, along with copies of all relevant documents, including applications, bills, communications, and payment records. 

I expect your acknowledgment of this notice within 14 days. Failure to comply will leave me no choice but to escalate this matter to the appropriate regulatory authorities and seek legal recourse. 

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

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : Experian XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$300.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX : {$2000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX XXXX {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.