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

My name is XXXX XXXX, and I am writing to formally request that XXXX block and remove fraudulent, inaccurate, and false information from my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is the result of identity theft report numberXXXX fraud that have caused serious inaccuracies in my credit report. 

The fraudulent accounts and details in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries were not authorized, opened, or made by me. They are fraudulent and were initiated by an identity thief. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # [ Insert FTC Case Number ] ) as evidence of the fraud. 

These fraudulent accounts have resulted in inaccurate negative information on my credit report, leading to financial and reputational damage. As per FCRA 605B, I am entitled to have this information blocked and removed within four business days of your receipt of this letter. 

In addition to the FTC complaint, I have included supporting documentation confirming these accounts and inquiries are the result of identity theft. I request that you : Remove all fraudulent accounts from my credit report. 
Block any associated inquiries or collections tied to these accounts. 

Failure to comply with this request may result in legal action, including statutory damages and recovery of costs as outlined under the FCRA. 

Please confirm receipt of this request and provide me with a timeline for resolution. Thank you for your prompt attention to this matter. 

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

ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The above account which is one account and being reported as 2 different accounts, Was investigated and i am in a disagreement with this investigation. I reached out to the original company XXXX and they did reply and said they don't have any information to the account. I did reach out to the other company XXXX XXXX for more information and the contract they had with XXXX. It has being more than 60 days since and i have not received any reply. 
I demand both account to be deleted in my credit report since its infridging my rights by reporting both account falsely. Attached is my communications with the company and a proof of how both account are reporting falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XXXX XXXX I have asked XXXX XXXX XXXX  to provide me with the information needed to prove that I owe them. I sent the letter to them with certified receipt. I did not receive a response from their company only more incorrect reporting from XXXX XXXX XXXX. I also sent a letter to Equifax, XXXX  and XXXX asking them to validate this account and to cease all reporting until this is verified. XXXX  provided me with notification that this account was removed due to it not being accurate and unverified, while both Equifax and XXXX  continue to allow this account to linger with unverified and incorrect information that don't even match. It is my right that my information be true and accurate across the board by these credit bureaus and not be ignored.. Both Equifax and XXXX  have violated my consumer rights by allowing this erroneous reporting. 
As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. This was not provided to me neither by Equifax or XXXX nor XXXX XXXX XXXX. Please see attached certified letter.
Product: Student loan

Hi I currently have a student loan for XXXX  school through XXXX  connect. My first loan payment started after interest resumed for the XXXX forgiveness period. During this loan forgiveness time period I was not making payments. Once I started payments I was told that this loan was never eligible for interest forgiveness like my other student loans because it was a different type of private loan. I paid the total amount for the 6 loan payments all at once to avoid forbearance and catch up on my amount. I am requesting to removed my missed loan payments remarks which is negatively affecting my credit score payment history due to the 6 missed payments during this period. This in affect is affecting my credit score and ability to obtain future mortgage, credit cards, etc. Thank you for your time in reviewing my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it is jeopardizing my character as a consumer. In addition these accounts are also affecting me15 US Code 1681A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

LVNV FUNDING LLC

When tried to dispute it keeps saying error.
Product: Student loan

XX/XX/XXXX I used the federal student aid loan simulator to determine if i would save any money on my monthly payment using the new SAVE program. My payment was estimated at $ XXXX/month, which I determined would not help me. So I did not enroll in the program or submit any further information. 

My student loan servicer then enrolled me in the SAVE plan ( without my consent ) and increased my monthly payments from {$87.00} a month to {$300.00} a month on XX/XX/XXXX. Shortly thereafter I lodged a complaint with Aidvantage stating that I never requested this change. I made the {$300.00} payment in both XXXX and XX/XX/XXXX. 

XX/XX/XXXX I received notification that I was placed back onto the Graduated extended plan and my monthly payment would be {$160.00}, with my next payment being due XX/XX/XXXX. 

XX/XX/XXXX I received another document saying that my interest rate reduction for auto pay would be suspended during forbearance, which my loans were then placed in. 

Between XX/XX/XXXX and XX/XX/XXXX I received three different documents saying my autopay amount was changing ( to a different amount each time ). 

XX/XX/XXXX I paid off one loan account in the amount of {$1300.00}. This reduced my total loan amount to {$21000.00}. 

My account now ( as of XX/XX/XXXX ) sits at {$21000.00}. I have spoken with six different people at aidvantage to no avail. I was told by one agent that i " applied for the SAVE program '' and they were unable to provide documentation. Another agent then told me they have no record of me submitting an application through them so I " must have accidentally applied through Federal Student Aid. '' I know for a fact I did not. The department of education specifically named Aidvantage in a press release on XX/XX/XXXX, stating that anyone placed in forbearance due to servicer billing issues will not gain interest during the time of the forbearance. My account has now gained {$330.00} in interest despite my attempts to fix the issue with my servicer. They said they were going to " research my account '' and that I would heard something back by XX/XX/XXXX. I never heard back. I was then told yet again my account would be researched, and the response I received was a generic document explaining how interest is calculated on student loans. Additionally, the interest was accrued at a higher rate ( XXXX % per loan ) due to my " unenrollment from auto pay. '' I never unenrolled from autopay, the servicer did that for their own gain while I was in forbearance. My accounts have always been enrolled in autopay. 

My forbearance is now over, and I have made my required payment. However, I want the appropriate amount of insurance removed and my student loan servicer to be held accountable to guidelines set forth by the department of education due to their mistakes.
Product: Money transfer, virtual currency, or money service

My father sent two international wire transfers to my bank account for which the whole amount was not received. He transferred the money from XXXX to XXXX XXXX  XXXX XXXX and JB Morgan Chase Bank was the beneficiary bank. JB Morgan Chase changed the currency from US dollars to XXXX Dollars and afterwards it was converted again to US dollars due to which I lost XXXX USD in two transactions. The 1st wire was received in at the XXXX XXXX  XXXX XXXX on XXXX of XX/XX/2022. The 2nd wire was received on XX/XX/2022. Assistant bank manager of XXXX has already complained to JP Morgan Chase bank and they have admitted it is a mistake on their end but they are not compensating me for my loss. The complain reference number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company ( XXXX XXXX XXXX XXXX ) says the account has been closed since XX/XX/2016. Equifax reports the account as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONSUMER didn't open this loan fraud
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

I had bought a online course for XXXX bucks when it wasn't as stated i clearly told them to return took a screenshot of the return policy ( which i was rightfully inside my limits to return it to them for a full refund ) no one answered you couldnt find the number to call i emailed the guy that helped me but to no avail no help so i filed a claim with chase and gave them the return policy so theu knew i was rightfully in my limits to return what i had bought, the course wasn't as described and i didnt want it after chase supposedly looked into this they said the charges were verified. I didnt ask for a fraud check i asked to get my money back when i tried to return my purchase INSIDE THE RETURN DATES.
Product: Money transfer, virtual currency, or money service

Paypal close my account and i want try get back. 
They talk about fraud or dispute activity and i already scan my account is not any dispute or chargeback activity. 

i sent all my personal information for have a verify account but that not help me with paypal. 

in this case if paypal do not want me restore my account, i request let me get access to my money. 
or tell me when i will be avalible for withdraw my funds. 

My email is XXXX XXXX
Product: Debt collection

I call on XX/XX/XXXX and asked for the pay off amount. The lady told me that a draft for {$530.00} was already scheduled to come out of my bank account. the balance was {$1700.00}. 
{$530.00} Drafted out of my account that night. 
I paid your over the phone {$1200.00} On XXXX the XXXX they drafted {$120.00}. And I received an email that they will draft again tomorrow. 
Please see the pay off drafts out of my account attached. And they reported on my credit that my balance just went up.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to transfer money online via XXXX with my card issued from WAY2GO ( Conduent Bank ). The bank declined the transaction and XXXX XXXX sent me a email for my records showing that it was not able to be completed due to the bank declining my transaction. Yet, They ( WAY2GO ) still took the money out of my account, as if they never declined it. I immediately called and kept calling for almost a week of waiting on hold for more than 4 hours each time ( I have all screenshot proof of wait times on hold with this company ), Finally I got a lady who helped me file a " dispute ''. I was told as long as I sent in my paperwork to them filled out that they were going to credit my account the provisional credit, seeing as how XXXX XXXX had already provided me with the required proof showing that they did not receive a dime from WAY2GO card company NOR did I. I faxed in my paperwork the very next day ... to be put on hold again and again. They charged me a fee EVERY TIME I CALLED THEM EVEN WHEN THEY WONT ANSWER MY CALLS ANYMORE SINCE THEY REALISED THEY MESSED UP AND WONT GIVE MY MONEY BACK. On top of all this, they send me a letter 90 days later saying they could not find any wrongdoing and I would not receive the money they stole from me. I have been lied to by this company for the last time and If I wanted to call them to speak with them about their so called investigative findings that I provided them MYSELF!!! IT WOULDN'T MATTER BECAUSE AS SOON AS I ENTER MY ACCOUNT NUMBER INTO AUTOMATED SYSTEM THEY HAVE IT HANG UP ON ME. WOOOW.!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : I have attached the following documents to support my request : In accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ), I request that you c onduct a thorough investigation of these items and remove them from my credit report. Ple ase provide me with a copy of my updated credit report once the investigation is complete.

Thank you for your prompt attention to this matter. 
Sincerely, Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Proof of identity Documentation proving my status as a survivor of XXXX XXXX
Product: Debt collection

LVNV Funding was notified by there collection agency XXXX XXXX XXXX XXXX of a debt that was sent to them that it was exempt from debt collection yet LVNV sends another debt to collector knowing that it would be exempt from collection like the first one they seen to like to try and collect on exempt funds what they don't have a list they look at first to see if what they brought that this person is exempt before going after the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my Equifax credit report. I have contacted them to remove these inquires and they will not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this personal statement to address the presence of inaccurate personal information on my credit report. It has come to my attention that certain items listed on my report are not reflective of my financial history, and I strongly believe they are a result of errors or identity theft. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to protect myself from any potential fraudulent activity. Upon reviewing my recent credit report, I noticed discrepancies that do not align with my financial behavior. I have no knowledge of the accounts mentioned, and I firmly dispute their validity. As a victim of equifax, XXXX and the dark web, I am being impacted with misspellings of my name, fraudulent inquiries, addresses that is causing me issues in keeping my reports and my name credible. Anything I've not authorized, or approved, even what is incorrect is fraudulent with my information being exposed by the Credit Bureaus.
Product: Credit card

I have no knowledge of this inquiry it just randomly appeared on my credit report. This hard inquiry is a result of identity theft, There are no accounts on my report attached to this inquiry from XXXX XXXX XXXX XXXX This hard inquiry must be removed in 4 days in accordance to 15 U.S. Code 1681 c-2- Block of information resulting in identity theft
Product: Debt collection

XX/XX/year>, I reached out to Experian in reference to them reporting dispute on my XXXX XXXX credit card that I paid in full and was in good standards. 


a XXXX XXXX account ( Account Number : XXXX ). The account has been paid in full, yet it is incorrectly reported as consumers request and consumer disputes after resolution. This reporting is inaccurate and is negatively impacting my credit score and ability to obtain a mortgage loan.
Product: Mortgage

Since XXXX I have been getting wrongfully denied mortgage assistance thru FHA HAMP modification program and Partial Claim. My husband XXXX is Veteran who is XXXX and receiving no income. We receive help from our daughter who is a non-borrower contributor and tenant along with my brother who is a tenant as well and pay rent. Our income as a household is sufficient for an FHA HAMP modification, in fact, according to Mortgagee Letter XXXX specifically elimination of the Back end DTI ratio and expansion to Partial claim/combo and with Supplemental directive XXXX enables BB & T to approve my loan into TPP payments prior to XXXX, XXXX. I have been getting wrongfully denied since XXXX and again now recently. My lender denial reason this time was not enough income where FHA eliminated the DTI of 55 % since XXXX XXXX, see attached Mortgagee letter XXXX effective now. ALL FHA servicers participating in HAMP, must adhere to FHA mortgagee letter 's. This letter also allows for a Partial claim, I am REQUESTING THE MAXIMUM PARTIAL CLAIM AND FHA HAMP PROGRAM. PRESENTLY, MY APPEAL OF BB & T WRONGFUL HAMP DENIAL IS UNDER REVIEW AND I AM ATTACHING THE SUPPORTING DOCUMENTS FOR MY CLAIM. MY LENDER HAS COMMITTED DUAL-TRACKING AND I HAVE A MEDIATION HEARING TOMORROW XXXX/XXXX/XXXX IN WHICH MY HUSBAND AND I WILL ATTEND. WE HAVE DONE NOTHING WRONG, AS SOON AS WE WENT INTO A HARDSHIP WE NOTIFIED OUR LENDER, OUR LENDER GAVE US A TEN MONTH FORBEARANCE AND THEN REFUSED TO DO ANYTHING PERMANENT. NOW I PRESENTLY HAVE A APPEAL UNDER REVIEW FOR DECLINING ME INTO FHA HAMP. HERE IS THE PROOF ATTACHED THAT PROVES I 'M ELIGIBLE AND SHOULD HAVE BEEN ACCEPTED INTO FHA HAMP WITH PARTIAL CLAIM/COMBO. HERE IS THE PROOF FROM FHA. MY LENDER AGAIN HAS BEEN DENYING AND DELAYING CONSIDERATION FOR MORTGAGE ASSISTANCE AND MISPLACING DOCUMENTS, MAKING ME RESUBMIT NEW ONES OVER AND OVER AGAIN, DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHILE HAVING A MODIFICATION APPLICATION PENDING ). BB & T DENIED ME WRONGFULLY BY STATING INSUFFICIENT CASH FLOW TO SUPPORT WORKOUT -- - MY APPLICATION INCLUDING MY DAUGTHER A NON BORROWER CONTRIBUTOR, AND MY TENANT INCOME, MY SURPLUS WAS POSITIVE {$360.00} AND ALSO ACCORDING TO MORTGAGEE LETTER XXXX ATTACHED, BACK END DEBT-TO0INCOME RATIO OF 55 % WAS ELIMINATED IN XXXX SO I WOULD BE ELIGIBLE FOR FHA HAMP. I ALSO WAS NOT EVALUATED THROUGH WATERFALL PROCESS FOR THE FHA HAMP PARTIAL CLAIM AND COMBO. SO BB & T WRONGFULLY DENIED MY FHA HAMP AND DID N'T EVALUATE FOR ALL FHA PROGRAMS THROUGH FHA WATERFALL PROCESS. NO PARTIAL CLAIM WAS EVALUATED ACCORDING TO THE ATTACHED DENIAL LETTER. I ATTACHED THEIR DENIAL AS PROOF AND I ATTACHED MORTGAGEE LETTER XXXX AND SUPPLEMENTAL DIRECTIVE XXXX. THIS PROVES THAT BB & T SINCE XXXX COULD HAVE ACCEPTED ME INTO FHA HAMP WITH PARTIAL CLAIM/COMBO, REGARDLESS OF MY BACK END DTI. THIS IS HORRIBLE MY MORTGAGE LENDER CONTINUES TO COMMIT DUAL-TRACKING AND WRONGFUL BLATANT DENIALS.
Product: Debt collection

XXXX XXXX XXXX XXXX has been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment. <P/>I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices. <P/>On XXXX XXXX 2017 I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment. <P/>On XXXX XXXX 2017, I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices. <P/>On XX/XX/XXXX, I contacted the original creditor who sent the debt to the collector ( XXXX XXXX ). They stated that I would receive a return call, but I never have.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent hard inquiries on my report. I did not authorize all of these hard inquiries. Below is a list of the hard inquiries on Experian that I did not authorize, please delete these inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the listed inquiries that Ive listed that I didnt authorize. According to the Fair Credit Reporting Act I'm entitled to an accurate credit report.
Product: Checking or savings account

On Monday XXXX XXXX 2019 my husbands debit card that he had possession of at the time was used to withdrawal {$200.00} from an ATM on the south side of XXXX. The bank notified my husband right away. We cancelled his card & had to wait two weeks for a new one plus had to go into the bank to get a new PIN #. The bank refunded our money the next day. About 3 weeks later we received a letter stating that our claim was closed & determined we authorized the charges which would lead to them removing our money they returned to our account. My husband got on the phone right away and they said don't worry about it we will look into it. On the XX/XX/XXXX they did in fact remove the money. He was on the phone with them twice, I was on the phone with them, and ended up calling our local XXXX branch & spoke to the manager. The customer service & fraud stated that because it was an ATM we used it. I said please tell me how someone around XXXX XXXX at night on the south side XXXX at a laundry mat used our card while we were at our HOUSE in XXXX, IL. We were in the city a few days prior at my in-laws house in XXXX XXXX. The north side of XXXX. We used the card at XXXX XXXX down the street from the house twice, XXXX down the block twice, and at an organic cafe called XXXX in XXXX. No one is helping us and they have denied our claim TWICE. I feel like I was not only robbed by a thief, but by the bank as well. An establishment that my husband and I have been with for over 10 years. We also keep a pretty good savings account with them. That money that was taken was hard earned money that we use to live off after our bills are paid. My husband signed an affirmative that was notarized by the branch manager that she is submitting. He is currently trying to call our phone provider XXXX to get a document that shows our location of being at home the entire day Monday when the money was removed. He also has proof in our bank account of using his card at a few places in our town!
Product: Credit reporting or other personal consumer reports

Company keep pulling my report without getting my written consent every six months  leaving  hard enquiry on my reports every time they pulled  it