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

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, this is the account XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I needed a loan to help pay my car insurance because there was an issue with XXXX and my payment needed was XXXX to keep my insurance from lapsing. XXXX gave me a loan for {$700.00}. I have paid over {$800.00} back XXXX every two weeks since my last paydate in XX/XX/2017. I was told that I could pay off early and not be charged all the extra charges, but every time i call they add fees and it is over {$900.00}, if I pay before my next payment {$850.00}. I understood that my payment 's made would be added in and I would just pay a small fee for early payoff. I can't afford to pay that or keep paying {$210.00} for the next 3 years. I can only call I get no paper bill and the website is just like a click takes you back to the same page. It says returning users I logged in it just asks to sign loan papers. I'm so stressed my hours have been cut at work and I have XXXX coming out my account I have boys to feed and bills to pay. I know that I pay interest on loans but I think this is too much.
Product: Credit reporting or other personal consumer reports

I have reached out to the ombudsman due to your negligence regarding account XXXX XXXX XXXX. Despite numerous dispute letters and formal complaints submitted to the CFPB, this issue remains unresolved. The attached documentation will show that this account has inconsistent late payments across the credit bureaus. For instance : XXXX bureau report 90 days late, another reports 120 days late, and A third bureau shows no record of a late payment at all. According to the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate and consistent across all credit bureaus. This level of discrepancy directly violates these principles. The failure of XXXX Mortgage and the credit reporting agencies to resolve this issue, despite the documentation provided, raises serious concerns about their compliance with the FCRA. In light of the XXXX XXXX XXXX XXXX decision by the XXXX XXXX XXXX XXXX, furnishers of credit information are legally required to conduct a proper investigation of disputes. Failure to do so could constitute a violation of the FCRA, which entitles me to seek damages under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report despite multiple attempts to follow up on their removal. 

This communication marks the numerous follow-up attempt regarding the fraudulent items on my credit report with your agency. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous follow-up attempts have not resulted in their removal. 

I demand that your agency conducts a thorough review of my dispute and takes immediate action to remove the fraudulent items from my credit report. Additionally, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccuracies on my credit report, despite my repeated attempts to dispute the information. The incorrect details remain on my report, which continues to negatively impact my credit profile. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The credit bureaus are reporting outdated information that should have been excluded after the legally mandated time period. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) They failed to conduct a reasonable investigation into the disputed information and have not provided sufficient evidence to validate the reported data. 

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have not ensured the accuracy of the information on my credit report, as inaccuracies remain despite my dispute efforts. 

I urge the CFPB to investigate these violations and take appropriate action to ensure the credit bureaus comply with the FCRA and rectify the ongoing errors on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX  and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$220.00} or XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a missed payement with XXXX currently its XXXX they are reporting missed payment that i tried fixing with them and they do n't even disclose information to me at all. not even days supposedly payment was missed. i fount out thru my lender i normally use that it was XXXX of XXXX i never had a missed payment in my life. i remember one of their rep calling me and saying to my account number did n't match and my payment is late, i give them my routing and account number over the phone and told them to CALL ME if payment did n't go thru. they never did. 
I tried solving it with company and emailed them payment confirmation and my bank statements showing i had more then enough money on my account. i have to loans with them one of them is {$2300.00} and another is {$950.00}. the house with lower payment of {$950.00} did n't go thru because they did n't process it correctly and when they calling me i gave them info again and again the did n't process. i open dispute with them that took way over 30 days. had to call them several time and still no luck. i have lixington law firm fighting with them for over a year and still no luck. my credit used to be over XXXX points and it dropped bellow XXXX after that., now i 'm getting a new house XXXX my 4th one ) for {$620.00} and new business building for XXXX XXXX and they give me hard time about the missed payment. please help me resolve it. i even pay additional principal minimum of {$500.00} per account for 5 years. paid off my 1st house in XXXX years. i 'm beyond responsible to miss a payment like that.
Product: Mortgage

On XX/XX/XXXX, Freedom Mortgage called me, having recently purchased the servicing rights to my mortgage loan to check in. While on the phone, they offered to take my mortgage payment over the phone, although I had already set up payment through their online portal. While on the phone, they said the payment went through. A week later, they called to tell me the payment had been reversed- on that call I repeated my checking account information to make the payment that had been reversed. After a series of 4 phone calls with customer service, finally resulting in their listening to the recording of the phone conversation, they determined that the agent had entered the information incorrectly and had failed to repeat the account number back to me to allow me to notice the error. They therefore determined that the {$30.00} insufficient funds fee they were attempting to charge me should be reversed, since the error was entirely theirs. However, three weeks after admitting fault, the charge is not removed, and now customer service is saying that it will not be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit my dispute regarding the one fraudulently opened XXXX  account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to EXPEL any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard credit inquiries from multiple sources. 

Sources as listed on XXXX XXXX from Equifax : XXXX - Auto Finance ( XXXX XXXX 2020 XXXX XXXX, XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2020 XXXX Sources as listed on XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX XXXX, 2020 ) I suspect I am a victim of identity fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking monetary release for the terrible treatment I have received from experience. From all 3 credit reporting bureaus.I have continuously requested that I do not be just by algorithm and that my credit school will properly show three real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of algorithm, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave Transunion, XXXX or XXXX permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.
Product: Credit card or prepaid card

I was involved in a fraudulent gift card scheme. I obtained an email from what I thought was paypal indicating fraudulent activity on my account. I logged into my paypal acount and noticed there were 4 suspicious transactions. I then contacted the number on my email as I had falsely assumed that paypal had reached out to me. I was then connect with the scammer who then discussed my suspicious transactions and transferred me to who I thought was chase fraud. This scammer represented that my account was compromised and I was transferred to who I thought was a federal agent. They then said to secure my funds as my account was compromised I purchased prepaid amex and visa credit cards. I then provided these numbers back to the scammers on the phone. Once I realized what was happening the money approximately {$15000.00} had been removed from my accounts.
Product: Checking or savings account

Citizens bank contacted me that fraud detection was used on my card, I have requested the money to be returned to me and they denied it and said no fraud, I did not make the three purchases of {$50.00} at XXXX that they alerted me about. 
Citizens has not complied with me to request how they came about their decision. 
I did not make these purchase on XX/XX/2024. 
I requested they reopen it and it has now been over two weeks. 
I am not well off and need the money to pay bills. 
Citizens has not been helpful at all.
Product: Credit reporting or other personal consumer reports

I asked to have credit company, validate the debt and provide the instrument used to validate the alleged debt. Reappeared once removed and violated 15 U.S Code 1681n.This account is inaccurate please delete XXXX XXXX XXXX Account- XXXX balance- {$720.00} I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

This is inaccurate and needs to be deleted immediately as its a violation.
Product: Student loan

I am writing to formally request an immediate investigation into the mismanagement of my federal student loans, which has resulted in an unjust default status and a discrepancy in the balance owed. Despite my application for loan consolidation under the XXXX XXXX XXXX XXXX ( XXXX ) program, my loans were not properly consolidated, and I was erroneously placed into default. Additionally, my repayment period was initiated a year earlier than it should have been, further contributing to an incorrect balance.

Key Issues Requiring Investigation and Resolution : 1. Erroneous Default Status I applied for loan consolidation under XXXX in XX/XX/year>, which, according to federal guidelines, should have removed my loans from default and placed them into an eligible repayment plan. 

Despite my compliance with program requirements, my loan was not consolidated, and I was improperly reported as being in default, negatively impacting my credit and financial standing. 

This administrative failure warrants an immediate correction, with my loan being removed from default and consolidated as originally intended. 

XXXX. Incorrect Loan Balance Due to Premature Repayment Start My repayment period was supposed to begin after exiting my graduate program ; however, the servicer initiated repayment a year earlier. 

This premature repayment initiation led to an artificially inflated balance and unwarranted delinquency. 

As this action was a clear administrative error, I am requesting a full recalculation of the correct balance, with any improperly assessed interest and penalties removed. 



I thank you in advance for a prompt response to this matter and a thorough investigation into these serious discrepancies. I request written confirmation of the resolution that include a detailed breakdown of any adjustments made and an explanation of how this issue will be corrected to prevent further harm.