23daVinci/CFPB_Complaints huggingface dataset:
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 : {$970.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX XXXX Balance Owed : {$3500.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$1200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account XXXX XXXXXXXX ( SXXXX XXXX XXXX ), has violated my rights.

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

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

I have filed a complaint on numerous occasions against credit acceptance with XXXX. The account shows to be opened and credit acceptance is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by credit acceptance in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call credit acceptance they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact XXXX. XXXX  stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.
Product: Checking or savings account

I did not received my direct deposit from my employer. XX/XX/XXXX is my payday, however, i normally received it XXXX days earlier. I did not receive it earlier this time around. Received an email from capital one on XX/XX/XXXX at XXXX saying there was " technical difficulties '' and that they hope to resolve by Friday morning- XX/XX/XXXX. It is now friday evening and have not been able to get in touch with them, no further communication and still no direct deposit. It is also a holiday weekend and now i am afraid i won't receive my funds until after the holiday next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received paperwork from Wells Fargo approximately in XXXX of 2009 regarding a private student loan that I owed. When I contacted Wells Fargo regarding this student loan account they had no information to provide to me. They could not tell me how/where they obtained this loan from, when they " bought '' /obtained this loan, etc ... Since that time I have contacted Wells Fargo on numerous occasions asking about this loan and received the same " answers '' over and over again. No information has ever been provided to me about this loan, or where this loan came from. I get a monthly statement that I have continued to pay out of fear of collections or negative impacts to my credit score. I have also contact Wells Fargo numerous times requesting my monthly payment to be lowered due to my income, housing bills and being a single mother. They have told me over and over again that because this is a private student loan they have nothing to offer to me that could help me lower my payment nor do they have any obligation to offer me anything because it is a private loan. I never once received any loan disclosure statements, never once did I sign ANYTHING for Wells Fargo for a private student loan, nothing at all that would make me feel like they obtained this " loan '' on the up and up, so to speak. My biggest concern here is if this account is even legitimate or if I somehow have been affected by this huge scam of fake accounts that has been brought to the attention of the public. If I have been affected how would I know? Who would I contact? Where would I go? If I have n't been affected or " scammed '' what are my options for help with private student loans? I really need help with this and help with trying to figure all of this out. Thank you very much for your time.
Product: Credit reporting or other personal consumer reports

I've had an account with Dillards for 6 years, never a late payment I've got aut pay. XX/XX/scrub> 2024, Dillards changed banks from XXXX XXXX to citi. My auto pay did happen due to this change and now they put it on my credit. They keep telling me that they didn't charge me a late fee, which I would rather have then a credit problem. How is this ok?
Product: Debt collection

Southwest has not contacted me about this debt. Their initial communication with me has never happened. I disputed this debt and asked for validation, they sent me nothing. They have violated the FCRA and FDCPA multiple times. This is unreal, please help me!
Product: Debt collection

They are calling me at my place of employment after I told them they can not contact me there.
Product: Credit card

On XX/XX/2014 someone forge my name for {$10000.00} on a check from a Chase Credit Card. This person deposited the check into her account at the bank she works at XXXX XXXX Bank, XXXX XXXX, FL ). I did not know about this until XX/XX/XXXX when I was hit with a Balance Transfer Fee by Chase Bank. Filed a Fraud complaint with Chase Bank and they stated that this is NOT Fraud. Chase Bank refunded me the Balance Transfer Fee and later recharge me. Both Banks Chase and XXXX refused to acknowledge that this was Fraud. This is Fraud under United States XXXX XXXX XXXX XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXXXXXX XXXX XXXX XXXX : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im baffled at this moment. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times already. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully this is for the last time. Transunion has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibilityXXXX XXXX XXXX XXXX XXXX XXXX m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX  XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed in the past that there were ( 2 ) small student loans ( dated Open :  XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.
Product: Credit reporting or other personal consumer reports

I am filling this request several credit inquiries that were unauthorized to be removed from my credit report. They are as follows. 
XXXX : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX BANK XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 Equifax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays will not remove the charge off remark from my credit report the account has been settled since XXXX, the settlement letter was offered to change the remark however none of the credit bureaus would accept the letter, I was instructed to get a letter from Barclays stating the account is settled however they say the account is with the XXXX XXXX I called XXXX they said the account is with XXXX XXXX XXXX, Barclays since XXXX someone how marked my account open back in XXXX the account has been closed since 2016 how could it reopen after all this time when Barclays states they do not have access to the account when I offered the receipt of payment and letter stating the account is settled they stated there is no fax and no way of updating it on there end. I have been disputing with the supporting documents and XXXX  keeps saying they do not see my upload, even XXXX XXXX upload feature keeps saying can not complete dispute temporarily unavailable, and XXXX  will not use the evidence provided No the remarks say " Charged off as bad debt Dispute resolved ; customer disagrees '' Please remove Barclay from my credit report Immediately this is my 5th dispute
Product: Credit card or prepaid card

XX/XX/XXXX XX/XX/XXXX, 0r XXXX XXXX. I was approached at my XXXX Bank where I am a member by the teller, as I was doing a random exchange, in XXXX. I am a platinum member, and their staff gave me a promotional offer that they were " celebrating '' within their office to apply for a credit card, with Citizen Bank. The bank and I have a ten year relationship. 

They said I qualified for a credit card for a 15 month 0 percent interest charge ( APR ). 
The advertising on the brochure was what they call in law school bait and switch and the intent was to get clients to order a credit card. 
As a member of this bank, i defaulted to trust with them, as it seemed like a good deal, and I told them i would consider it since I had XXXX large purchases coming up. Equaling XXXX dollars. 
Now, they had the chance to have integrity, as the brochure says nothing about purchases, but, only about an " introductory rate for 15 months for 0 APR '' for  balance transfers from other cards. 

It was trickery and faulty advertising their intent was to bait, and then switch by providing the wording of introductory rate and then later stating for balance transfers, the next page if any page thereafter has the rate for actual purchases being 16.9 percent, which is ludicrous. 
I called the bank at my second statement because I was under the impression that this new credit card had 0 % for the first 15 months of purchases, and the agents of the bank conveyed this by their lack of disclosure when I stated that I would use it for purchases, and also by their compliance by not explaining otherwise. As to the terms, I do feel this contract should not be upheald and they need to offer me the contract of 15 months 0 % interest, because of the phrasing and the selling of their product to a costumer being vague and cryptic and the costumer having a trusting nature with the bank. 
It was truly a move I consider of terrible business practice on the part of a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED 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
Product: Credit reporting

I am concerned that medical bills are on my credit report. I was fully insured when these bills were sent to Transunion. I was informed by another credit agency that the hospital was n't suppose to submit these bills to a credit agency if I had insurance at rhea time of treatment. I submitted a dispute XXXX XXXX, 2015 stating that fact and was informed that the items would remain. 
There is a concerted effort among the XXXX CRAs to always have at least XXXX agency to keep the negative info on file. XXXX will delete info but always XXXX will retain the derogatory info. This to me is a form of collusion and should be investigated. The new mandate from the ruling of the Affordable Care Act has made it illegal to report medical bills to CRAs if the individual was fully insured when the hospital visit occurred. 
Please help to correct this matter.
Product: Mortgage

What the agent would state on phone would be different of what he would put in text and email. Eventually had another agent working on file and then refused to put simple things in email. When I was not available by phone and wanted everything in writing. Wanted quote from other lending company had this agent send copy of file and they then took upon their-self to close application. Which XXXX  us up as we were in escrow! then I found out they omitted items that had to be counted, so they gave an approval that was not going to work and we would have lost house anyways. I lost money for inspections and other things told them they need to reimburse for not securing my approval. ( first agent talked to my of it going through underwriting when i found out it never did ) Not only did we lose money we lost house and has had the worst experience that has made it question if we ever want to buy now. Refused to fix the issue and tried to make it look as if i wanted them to close file. I have 61 pages ( that's not all correspondence ) showing the hassle and headache and the problems I pointed out from beginning. I got 5 different closing cost amounts all in one day from two different people. I was not informed of the inspections or other cost until my agent told me. I asked them about the class that is needed and still never received an answer but my agent confirmed I needed it. So many problems with the way they do business. I can keep going. I started talking to agent XX/XX/2018 and decided after all conversation we were ready and proceeded XX/XX/2018 but then everything he said changed. They options that they gave to " correct it '' was not an option and would cost us more. Plus it wouldn't be able to close and they did not follow guidelines and they put wrong information on the disclosures. I received two loan packets and both had different loan amounts and interest rates but both have same date.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX
Product: Credit card

Paypal sends out XXXX XXXX offers a few times a year whereby if a customer spends a certain amount of money during XXXX transaction within a stated timeframe, the customer will earn a statement credit on their future statement. In 2014, I activated and completed XXXX offers during the end of the year XXXX XXXX & XXXX XXXX. I waited for my future statement to see if my statement credit posted to my account and found no statement credit given to me. I contacted Paypal customer service to inquire about my statement credits due me, during the end of the year. The customer service representative I spoke with was an outsourced employee in another country that spoke XXXX, but had no understanding of the XXXX XXXX vernacular and kept making the wrong understanding of what I was trying to explain to her. She kept thinking I was complaining about a charge on my account, even though I was telling her I an missing the statement credit promised to me for completing a purchase offer. I became frustrated and hung up. Then I sent and email, with the hope that an American would read it and understand my concerns. Instead, I received an automated response email about promotional financing and interest charges. Below is a short copy/paste of that email : Question about promtional financing and interest charges ( XXXX ) : XXXXXXXXpaypal.comXX/XX/2014to meHello, Thanks for your email. We 've created this immediate automated response to help you learn more about promotional financing and interest charges. 
If the information below does n't answer your question, please reply to this email or call us. 
A. What is my APR? 
B. I was offered a promotional credit for paying with PayPal Credit. When will I receive it? 
C. How can I tell if my purchase has promotional financing? 
D. How do I avoid interest on my promotional balances? 
E. How do you apply my payments to my account balances? 
I became frustrated and just decided not to use paypal anymore, because I feel that they offer statement credits just to get customers to use their credit for the purpose of earning interest payments and never truly have the mindset of giving a statement credit!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"