23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied  for two Tuition Answer loan s with  XXXX   XXXX  in  XXXX  and  XXXX . I filled out the applications as the student and main borrower of the loans. I asked my father to co-sign. A few years after receiving the loans I called to have the co-signer removed from the account. i was told that I myself was the co-signer and my father was the student/borrower. I informed them no that we filled out the applications as myself as the student and main borrower. The stated that my father was placed as the main borrower because his  credit score was better and if they would not have done that then we would not have gotten the loan. They stated that there was no way to switch it now. There is also no way to removed my father from the loan ever because he was the student. He never attended school and never was the main borrower. We have tried to have it switched and it is impossible. My father will always be stuck with this loan, because they lied and did something we wished never to have done. If my credit was no good enough for the loan they should have denied me and not went behind our backs to saddle us with a loan. We was promised that we could removed my father from the loan   within four years  from disbursement. Now we will never be able to do this because the lied and put him as the student borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in a data breach at Equifax from mid-XX/XX/XXXXthrough XX/XX/XXXX. The hackers accessed my name, Social Security number, birth date, address and possibly my driver 's license number and credit card numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX XXXXXXXX XXXX XXXX Account number XXXX have 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im client of LexingtonLaw CreditRepair who are assisting me in removing negative items from my credit reports through XXXX, XXXX, XXXX. Who has been with LexingtonLaw from XX/XX/2018 through XXXX XXXX Who paying them {$120.00} each month and my credit scores hasnt reach XXXX or XXXX to qualify for low interest rates to buy a home. Also I am member with XXXX who paying them {$19.00} a month. I am also member with XXXX who pay them {$4.00} a month. LexingtonLaw who connected with XXXX who I am paying {$120.00}
Product: Checking or savings account

I open checking account numbers globally, because I'm a XXXX XXXX I was XXXX in the united states and lost all my checking accounts numbers.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 Comenity Capital Bank mailed a letter to my home address closing my account " based upon information you provided during our recent phone conversation. '' This phone conversation occurred on XX/XX/2021 when I called the number on my credit card to determine why I received a declination on a charge of {$70.00} when my account had a zero balance and plenty of available credit. The representative stated that there was " suspicious '' activity on my account which I responded was ridiculous since I had recently paid the account off. After several more minutes of my time being wasted, I was told that I needed to answer financial questions in order to use my account. I was not able to provide the information to the first question because I was driving and not at home with my financial documents. I told the representative that I would call back when I was not driving and could obtain the needed answers. The following day the letter was mailed and my account closed. It seems to be retaliation for paying off my account and changing my email address. They did not even provide a number to call to dispute their action. My credit score has since been decreased due to their closure of my account and the loss of the available credit of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Money transfer, virtual currency, or money service

Barclays us bank deleware FDIC complaint # XXXX ) that was referred to the cfpb in XXXX XXXX not yet recorded on my file at the cfpb barclaysusbank of deleware accessed my personal credit reports eleven years ago and put a joint liability Undesignated owner account With beneficiaries Unknown to me It has remained on my credit without my knowledge or authorization for eleven years I reported it to the fdic after pulling my credit after being denied a loan in XX/XX/XXXX I have been trying to obtain the account history of all monies transferred in and out of these accounts and purchases ever since via email mail and phone Their barclaysusbank letter of XX/XX/XXXX stated That a copy of the electronic application was enclosed with their correspondence It was not Also as joint owner of the accounts I have lawful rights to obtain the information regarding the transactions of this account And all the Names of the beneficiaries And monies used transferred and money instruments purchased thru the luxury us bank My credit report specificAlly states UNDESIGNATED OWNER
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit and i have to say that i got disappointed, Because it's not my account and You are still reporting this. I got letters which says, that they are agreeing, that this account was open fraudulently. I sent mail to this company and asked to send me proofs with my signature, they never send it to me. So means this is not my.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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 have tried to resolve with the XXXX XXXX  XXXX. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.
Product: Checking or savings account

This is the claim regarding Citibank checking account sign up offer which says if I deposit {$15000.00} within the first month and keep the amount in the account for 90 days, I will get {$400.00} deposited into my account within 60 days. 

I applied online for a checking account using a promotional link from Citibank web page. I was not asked for any code or coupon during the process. I was worried about it but since it's a link from Citibank and the page does mention the offer, I trusted Citibank that would honor the offer if I meet the requirement. 

I applied back in XX/XX/2018 and deposited {$15000.00} into the account right after. I waited until XX/XX/2018 but still didn't see the {$400.00} bonus deposited into my account so I called Citibank customer service over the phone. The representative was very rude and saying I didn't not apply any code when opening the account. I explained that I open the account online and there was no place for me to enter any code. At the end there's nothing they could do and suggested me to close the account if the bonus is all I want. 

Later on I went to a Citibank branch. I spoke with a manager in the branch. After examination of my account, she determined that I should qualify for the offer but she has to submit a claim to the headquarter in order to get the {$400.00} deposited into my account. She also suggested that since I have already met the requirement, I could withdraw my money out and only keep {$200.00} in the account just to keep it open and active. I followed her suggestion. 

Almost 2 months have passed and I still don't hear from Citibank and the {$400.00} is not deposited. I am tired of playing games with Citibank and I am submitting a case here.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory account from XXXX XXXX XXXX appearing on my credit report. My last payment on this account was in XXXX of XXXX, as that is when I switched to XXXX, which I have to date. XXXX XXXX XXXX has since sold my debt to IC System. They state that the account was recently opened on XX/XX/XXXX which is FALSE. Im guessing that is when IC Systems acquired the debt. It has now been 7 years  since the last date of activity on the XXXX XXXX XXXX account. This debt should no longer be appearing on my credit report. IC systems has fraudulently stated Affected by natural disaster in the remarks section, as well as listed incorrect date the debt was opened. I am requesting that XXXX XXXX XXXX provide the signature page stating when the account was actually opened. IC Systems has blatantly provided false information to the credit bureaus in a gross and dishonest attempt to collect a debt that is now aged past 7 years. I would like this derogatory item removed from my credit report and a written apology from IC Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency has delete a positive account from my credit report without authorization the account is XXXX XXXX and its account number is XXXX. I did not want company to do an investigation on this account did not have my permission
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple inquiries and an account on my TransUnion credit report that I believe to be fraudulent. These inquiries and the account have had a detrimental impact on my credit profile, and I am requesting a thorough investigation and prompt removal of these inaccuracies from my credit report. 
The details of the disputed inquiries and account are as follows : XXXX. XXXX by XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX XXXX. Account with XXXX  XXXX  ( Account Number : XXXX ) I have no recollection of authorizing or applying for credit with XXXX  XXXX XXXX, XXXX XXXX XXXX, or XXXX  XXXX  on the specified dates. These inquiries and the XXXX  XXXX  account do not correspond to any legitimate credit applications or accounts initiated by me, and I have not entered into any credit relationships with these institutions during the indicated time frames. 

Given the fraudulent nature of these inquiries and the questionable account, I am deeply concerned about potential identity theft or unauthorized activity on my credit report. I have taken immediate measures to safeguard my personal information and have initiated a credit freeze with the major credit bureaus to prevent further unauthorized access. 

I kindly request a comprehensive investigation into these inquiries and the XXXX  XXXX  account to determine their validity. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries and the account on my TransUnion credit report. 

Furthermore, I urge TransUnion to take the necessary steps to expeditiously remove these fraudulent inquiries and the XXXX  XXXX  account from my credit report, as they are adversely affecting my creditworthiness and financial standing. It is essential to uphold the principles of the Fair Credit Reporting Act ( FCRA ), which mandate accurate and fair reporting, and these discrepancies do not align with those standards. 

I kindly request that you keep me informed of the results of your investigation and any actions taken to address this dispute. If additional information or documentation is required from my end, please do not hesitate to reach out to me at XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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: Debt or credit management

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Beyond Finance for what I believe to be serious mismanagement of my debt settlement account and multiple instances of misinformation that have led to financial harm. 

Mishandling of Payments : Despite my adherence to the payment schedule agreed upon in the debt settlement agreements with my creditors, managed by Beyond Finance, there appears to be a significant discrepancy in how my payments have been processed and reported. This has raised concerns about the integrity and accuracy of Beyond Finance 's management of my funds. 

Misrepresentation and Misinformation : Throughout my dealings with Beyond Finance, I have encountered numerous instances where the information provided was either misleading or outright incorrect. This includes discrepancies in the reporting of settled debts and unclear explanations regarding the fees charged. 

Improper Fee Charges : I have been charged fees that do not align with the actual services rendered or the outcomes achieved. For example, fees were levied for settlements that were purportedly reached but do not reflect the actual terms agreed upon or were not acknowledged by my creditors. 

Lack of Transparency and Communication : There has been a consistent lack of transparency and effective communication from Beyond Finance regarding the status of my debt settlements. This lack of clarity has made it exceedingly difficult to track the progress of my settlements and understand the financial implications of the actions taken by Beyond Finance. 

These issues have not only caused financial strain but have also led to significant stress and frustration. I believe that Beyond Finance has failed to meet the obligations set forth in our agreement and XXXX have violated consumer protection laws. 

I am seeking a thorough investigation into these matters and appropriate corrective actions. I am prepared to provide all necessary documentation and correspondence to assist with this investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

In accurate with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.