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

Please block The following accounts Due to XXXX  data breach. XXXX XXXX bal. XXXX XXXX bal. XXXX XXXX XXXX  bal. XXXX XXXX XXXX bal. XXXX XXXX XXXX bal. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes explain this collection account is not mine! I have attached the FTC report. Please have Transunion and XXXX remove this off my credit report asap
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Immediate Removal of Erroneous Collection Account by ( XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a collection account listed by ( XXXX XXXX XXXX ) XXXX at XXXX XXXX, XXXX on my credit report, which I believe is inaccurate and unfairly damaging. This collection entry violates federal protections and reflects an outstanding balance that should not exist due to a pending lawsuit, in which I have received a Default Judgment in my favor from the court. 

Legal Background and Judgement Details The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) protects consumers from inaccuracies and unfairly damaging information on their credit reports. Under the FCRA, credit reporting agencies are legally required to maintain only complete and accurate information on consumers credit reports. In my case, the collection by XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX was improperly added despite an ongoing lawsuit where the court has granted a Default Judgment in my favor due to XXXX 's failure to respond. This ruling signifies their negligence and validates my claim, making this collection inaccurate and misleading. 

Additional Violations by XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX failed to address critical concerns, including health and safety issues within my apartment, which included a documented roach infestation. The courts Default Judgment against them underscores their negligence, which is the root cause of my dispute with the debt they claim I owe. 

Impact on My Financial Stability and Rights as a Consumer The presence of this collection on my credit report has caused me substantial hardship, affecting my ability to secure a mortgage and purchase a home for my family. Under the FCRA, it is imperative that only correct and verifiable information appears on my credit report, especially given the substantial consequences of inaccurate data on my financial standing and quality of life. 

Request for Immediate Action I respectfully request that the credit bureaus take immediate action to remove this erroneous and misleading collection entry from my credit report. Failure to do so not only violates FCRA requirements but also places unnecessary hardship on my family. By allowing this collection to remain on my report, I am being unjustly penalized based on inaccuracies that have been recognized in court. 

Please investigate this matter promptly. Attached is a copy of the Default Judgment order from the XXXX XXXX XXXX XXXX to facilitate your review. I request written confirmation from you that this inaccurate entry has been permanently removed from my credit file. 

Thank you for your prompt attention to this matter. I look forward to your immediate response to correct this injustice.
Product: Vehicle loan or lease

Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card over the phone on XX/XX/2022 to a rep of XXXX XXXX XXXX and XXXX consumer credit transaction was completed with Santander Consumer USA XXXX Santander Consumer USA denied me credit. The denial discriminates against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These items reported by Capitalone Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to XXXX Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from Capitalone dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on Capitalone is lowering my credit Score.
Product: Checking or savings account

Capital one has debited my account for XXXX. Among these are at least 4 double charges and too many more to count. They have never paid the damages they agreed to in previous complaints. Now they are a threat to my credit. While refusing to acknowledge the obviously intentional attack. They have a history of the same recorded from a closed email address in your listings.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Student loan

Great Lakes was the company that purchased my loans from XXXX XXXX. The first thing that they did was to increase my interest rate. I questioned this and was told that they could increase it to whatever they wished. 
I began attending at XXXX XXXX University after obtaining my XXXX from XXXX University. I only took one class however when the 6 month grace period ended and it was time to begin repayment, Great Lakes reported that I owed {$130000.00}. This is wildly inaccurate. My wife and I have consolidated loans through XXXX XXXX XXXX in the amount of {$64000.00}. We pay on time and have never missed. A portion of my Masters through XXXX University and the one class from XXXX XXXX University were what Great Lakes purchased. 
When I received an outrageous invoice in XXXX of XXXX, I called Great Lakes and questioned. This is when I was transfered from attendant to attendant and eventually told that I could consolidate {$130000.00} into one monthly payment of {$1200.00} or so. First I needed to give them my credit card number to pay a one time servicing fee of {$490.00}. I tried to correct them in that I did not owe {$130000.00} but they would not listen. I have tried to get my records from XXXX with all of the financial information, but they will not provide them to me. I have tried to register on the FAFSA sight since they changed it, but it requires my XXXX email address that is no longer active. I have also contacted XXXX XXXX to obtain the records of the class that I took along with the financial info, but I can not get anyone to return my calls. I received a letter last month that said that my student loans are in default and now belong to the government. I am literally at my wits end on what to do or how to proceed. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) in regards to unfair practices and incorrect customer service which directly violates CFPA. In particularly, Cash App failed to take the time and correct measures to prevent and address fraud on their platform, leaving my account unprotected and exposed. Also, Cash Apps resolution process is extremely deceptive and unfair, as they do not comply with error resolution requirements in compliance with Regulation E and the EFTA. These ridiculous actions have resulted in a major inconvenience and financial loss for myself and I seek the appropriate redress for these violations.
Product: Debt collection

I have a collections from i.c solutions from XXXX XXXX XXXX that does not belong to me. I have not been to a vet.
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies are breaking the law by not validating the debts
Product: Checking or savings account

I opened my savings account in XXXXXXXX XXXX XXXX and was promised an interest rate that later changed
Product: Credit card or prepaid card

I have a Bluebird American Express re-loadable debit card that I purchased from XXXX a few years ago. I had added my personal banking info on their platform so I could transfer funds from my bank to the Bluebird card. I primarily did this if one of my kids needed a debit card to make an online purchase, so they wouldn't have my actual bank card. Only what I deposited as there is no overdraft with Bluebird.

I went to check my primary bank account today and noticed unauthorized transactions from Bluebird. I made sure it wasn't lost or stolen. It's in my wallet right now. I haven't used it in a long time. I attempted to contact their customer service. The robot on the phone told me that my account was permanently suspended and to check my email. I checked my email and it said I violated rule 22 ( d ). Keep in mind, I have not touched this card in months. I have no clue what these unauthorized transactions are. Here is a list of the unauthorized transactions in order : 1. PURCHASE BLUEBIRD.COM XXXX GA CARD ( **** - you have asked to keep this private so I will just place stars here. These are the last 4 numbers of my primary debit card with my primary bank ) XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load XXXX. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$50.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load 3. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$2.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by XXXX XXXX XXXX Non-Financial Institutions-Stored value Card Purchase/load 4. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load This is a total of {$62.00} out of my primary bank from Bluebird that I did not authorize. Now my Bluebird account is permanently suspended and I didn't make these charges! I can't even speak with a person to find out what is going on. I just want to make sure that this is not going to continue to affect my primary bank account and that my identity has not been stolen or something. So I want is to figure out what is going on. I will be calling my primary bank as well to make sure they are not able to ACH anymore money out of my primary account. 

If there is anything you can do it would be so greatly appreciated! Thank you for what you do!
Product: Payday loan, title loan, or personal loan

I completed a loan application online today for {$12000.00}. I received an email stating the loan request was approved. I submitted my banking account information including a copy of one of my checks, as instructed. I then came to a screen that required me to complete electronic disclosure statements. At that point I decided I wanted to borrow a lower amount, {$8000.00}. There was no screen, tab, etc. that allowed me to change the loan amount, so I called XXXX and spoke with XXXX. She told me that she could not change the dollar amount on her end, but I could request a lower amount by completing a new application. XXXX said that the company would not need to run another full credit check as long as I submitted the new application today. When I applied for the lower amount ( less than an hour later ) I received an email stating it was not approved. I called XXXX and s/w a supervisor, XXXX. I reiterated the above information and XXXX would only tell me " a couple things changed in your application. '' I asked her how anything could change within one hour. XXXX said I probably should not have been approved the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX Bank of the West closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that Bank of the West charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted Bank of the West, branch manager XXXX XXXX from the Bank of the West location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the XXXX XXXX  which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue. 

Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to Bank of the West XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for XXXX  years to this point. Something has changed and people need to be aware of it.
Product: Student loan

Neltnet Student loans are dismissed because Im on XXXX XXXX XXXX since XX/XX/2016. Bankruptcy from the court in XXXX XXXX, Texas that was dismissed in XX/XX/2012 still showing under public record. Its also making it difficult to obtain credit.
Product: Student loan

I was in forbearance and recently it has been changed by Great Lakes with out notifications. The name on the loan does not belong to me and I asked several times to verify and validate the loan that it belongs to me. Great Lakes has false information and continue to change things including the name of the school and location. I am confused and do not understand why they are doing this to people and they are very rude when trying to handle this issue. Can you please assist? 
Great Lakes XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit card or prepaid card

I have an account with Wells Fargo bank here in XXXX Georgia I was contacted and told that I had made a reservation for the XXXX  XXXX  in XXXX Georgia which I did not and I reported it to my bank my bank accused me of making this transaction which I did not because when they call the XXXX  XXXX  whoever made this reservation use my address my credentials and my bank took those monies out of my account and did not put them back when I travel to XXXX I didn't even use my Wells Fargo card my bank has have not yet put my bet money back into my account they even took extra money out of my account because there was a overdrawn back in XXXX of another XXXX    another XXXX  XXXX  it all adds up to two   hundred and something dollars but they have yet to put those monies back into my account I did not make any reservation with the XXXX XXXX of XXXX Georgia when I stayed in XXXX Georgia I stay at the XXXX   XXXX XXXX on XXXX  XXXX XXXX and I provided them with that information my name is XXXX XXXX XXXX XXXX my phone number is XXXX
Product: Credit card or prepaid card

Denied credit card by letter of XX/XX/20 stating " Small business credit application number : XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/2011 XXXX : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as www.bigskycash.com and www.westernsky.com. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX  ( twice )
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car with a loan from GoFinancial in 2016 for about 16,000 roughly, and ended up surrendering the car a few months later because the transmission was going out. It seemed smooth, I signed a document that said I would n't pay anything if it sold for less than what I owed at the auction and that I would get money if someone bought it for more than I had left to pay. Thought it was all good an clear then I look on my credit report and its on both and its also on my husbands saying we owed 5,000 roughly so I call GoFinancial with the paper I had signed and they are telling me its invalid and they cant help me, so then I try to report a dispute with both of the credit bureaus and they do nothing as well. So finally I had no other way to turn so I go on our base and go to legal and thank god they are taking care of it for me and we are finally going to have this off for good this time.
Product: Credit card or prepaid card

Fraud credit card was opened under my name with Capital One bank. I notified Capital One bank about this fraud account and they denied to open up a fraud investigation. I disputed the fraud Capital One bank credit card account with credit bureaus and Capital One bank keeps verifying the accuracy of this account with XXXX credit bureau, but they have notified to XXXX XXXX and XXXX that this credit card account is a fraud account and requested it to be blocked/removed from XXXX and XXXX XXXX XXXX However it's still reporting in XXXX. XXXX  XXXX bank keeps reporting in my XXXX credit report a fraud account and refuses to investigate it any further.