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

XXXX XXXX XXXX On XX/XX/XXXX Credit Card Opened by the Thief {$900.00} Company or Organization : Capitol 1 On XX/XX/XXXX {$300.00} Fraudulent Auto Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$43000.00} Fraudulent personal Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX$1300.00} Fraudulent credit card Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXX {$700.00} Company or Organization : XXXXXXXX XXXX On XX/XX/XXXX {$8300.00} Company or Organization : XXXX XXXX On XX/XX/XXXXXXXX  {$14000.00} Company or Organization : XXXX XXXX XXXX XXXX XXXX A FTC Identity Theft reprt was filed for all accounts. A affidavit will be attached.
Product: Checking or savings account

On XXXX XXXX, I authorized TD Bank to transfer {$280.00} to XXXX XXXX , via TD Bank app `` XXXX '', for the transfer of a Florida DMV automobile title, a XXXX XXXX XXXX. 
XXXX XXXX ( XXXX ) advertised his services on XXXX XXXX and to contact him or his Florida DMV contacts at FLHSMV Service Center, XXXX XXXX XXXX XXXX XXXX. 
Because of Covid I wanted to do this transfer online in the comfort of my home. 
When they emailed me a copy of the Florida DMV Title for the XXXX XXXX, I studied it for accuracy of information and decided to check the Title number with the Florida DMV website and the actual title number I received was active for a XXXX XXXX XXXX XXXX. This proved that this was an obvious scam and fraud to create an official Florida DMV title. 
I never received the original title in the mail as they had promised. 
I never used the XXXX app before and now I understand that XXXX does not guarantee delivery of services and is thereby aiding and abetting criminals in these kind of scams and fraud. Checking online this is a real problem with XXXX with millions of dollars being lost without recourse. XXXX is owned by a consortium of US banks which is realy troubling. 
Further, because TD Bank has this app available on their online website, they are also responsible for aiding and abetting the criminals with international wire fraud and condoning the creation of fraudulent Florida State Documents. 
I disputed this transfer with TD Bank, as per attached letter, I don't think they ever really investigated my complaint and they never asked for any further evidence which I said I would be glad to provide. 
What I hope to accomplish with this complaint is not only to get my money back, but also stop the sinister relationship XXXX has with the criminals involved. No recourse disclaimer is not a valid excuse for criminal behaviour. XXXX has to be held accountable especially as it is owned by US banks, not somXXXX XXXX  shadow bank. 
Enclosed some of the evidence I gathered and will be happy to share more if needed. 
Yours truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a car loan from Wells Fargo and it should be a part of their most recent lawsuit but haven't heard a peep. I was a part of the other lawsuit and received a payout so I know they have my information. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. I have never provided written consent for certain inquiries or the furnishing of my personal information, and I demand immediate correction of these errors. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for its failure to handle disputes properly, and I have experienced similar issues with my disputes not being accurately or promptly addressed. Moreover, I was impacted by the Equifax data breach, which further underscores my concerns regarding my personal information 's accuracy and security. 
The following items must be corrected or removed from my credit report : XXXX XXXX XXXX XXXX : Acct : XXXX, Status : Paid, Closed XXXX XXXX : Acct : XXXX, Status : Closed XXXX XXXX XXXX : Acct : XXXX, Status : Paid, Closed XXXX : Acct : XXXX, Status : Closed Collections XXXX XXXX XXXX : Acct : XXXX, Status : Dispute, debt was settled XXXX XXXX XXXX : Acct : XXXX, Status : Paid, Closed Hard Inquiries 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 Experian XXXX XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses & Phone Numbers to Delete 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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX Phone Numbers to Remove XXXX XXXX XXXX Incorrect Employment Information to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Enclosed are copies of supporting documents, including my correct identification, address verification, and a legal name change document issued by the state of my residency . 
I am requesting an immediate investigation into these inaccuracies and the removal of all incorrect information. If these errors are not corrected within the legally mandated 30-day period, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take any necessary legal action. 
Please send me a written confirmation once these corrections have been made. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

This is n't a personal issue. It 's more of a public sustainability issue because Navient acts irresponsibly towards prospective, current, and XXXX students who have student loans with them. I 've been repaying their loans since I 've graduated and I 'm currently on a five-tiered repayment schedule. My family and I 's financial situation is much different than it was when I initially went to school, so I 've been periodically trying to find out how to change my payment plan to a fixed rate. It bears the least interest payments ( which is revenue for Navient ) and would absolve the issue of higher payments down the road. I 've scoped both of their websites ( one is called " Previous website '', also misleading ), to find out a ) what payment options there are, because nothing about their websites tell me they even offer fixed plans, and b ) how do they calculate the monthly payments for plans in the first place? Their official website, www.navient.com, has no information other than interest rate and principle amount. I have to go to " XXXX '' which is Navient 's " previous website '' to find out what I will be paying in the future. My other payment options are also estimated and there is nothing about fixed payment plans. 

I actually had to contact them via chat ( I can provide transcripts ), to find out if I could have a fixed payment plan. According to the rep, the option would be available if I looked for eligible options. My eligible options were only given to me when I filled out a form which was basically a financial background check. It was discouraging, but I did it while I was chatting. 

After I applied on the previous website, I told the rep that the option still was not available. The rep then said something along the lines of " a fixed rate would change your payment to $ XXXX per month '', which to me has no bearing. I asked how they even came up with that number. All I was asking was where on your website can I even find this number and the details. That 's it. 

This is where you want to listen. The rep told me that the fixed rate monthly payment was calculated by using the calculator located on the Navient home page, BEFORE YOU LOG IN. After I asked, the rep also told me the way to get into a fixed payment plan is by contacting Navient. I literally had to pry this information out of them. Again, I have the full transcript if you want it. 

This is ridiculous. I 'm over 60-70 % of my monthly payment is spent on interest and I want to reduce that for myself. You and I both know Navient benefits more from my current, 5-tiered graduated payment plan, than I do. The fixed repayment option benefits me in paying less over time, but that does n't benefit Navient. I had to jump through hoops to find out any information that benefits me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it my concern, Several months ago I pulled my credit report from all three major bureaus. There were several items being reported that I did not recognize. I disputed these items with the 3 bureaus and several of them were deleted. 2 accounts were not deleted, however. Portfolio Recovery Associates, LLC ( PRA ) Is reporting 2 accounts that I don't recognize. I disputed the accounts with the 3 bureaus and directly with PRA. I had never received ANY communication with PRA concerning these 2 accounts until AFTER I initiated the dispute process. Once I began the dispute process PRA sent a printout of an old statement from both accounts. The copies of the original statements showed that they were originally addressed to 2 different addresses, both of which belonged to my father. My father and I share the same name with no differentiating title, i.e. junior, senior, etc. I sent a letter to the 3 bureaus and PRA requesting more information/proof that the accounts were mine. I have received no such proof from either PRA or the 3 credit bureaus. I keep receiving the same form letter from PRA that lists name, account number, date account was opened, balance, etc. The ONLY original information I have ever received is one copy of a credit card statement from both accounts which both list addresses that belonged to my father. I believe that PRA and the three credit reporting bureaus have NOT performed a proper investigation, even after being requested to do so, and continue to use the XXXX system in order to " validate '' the accounts. I simply want proof that these 2 accounts are mine and not my fathers and to have these 2 accounts DELETED from my credit profile if proof can not be produced.

Thank You
Product: Credit reporting

Experian is currently reporting an open collection account from the company XXXX XXXX on my credit file. I have no knowledge of why this company is reporting this debt on my file. I do not owe this company anything. The lease was turned in on time and whatever charges were remaining they were paid in full to the finance company. its reporting as a {$0.00} balance. i tried disputing and they will not reinvestigate or provide me with proof of the investigation. This company has no right to report an non existent collection account on my credit file. Its not being reported by no other bureaus from Experian and they will not disclose to me the verificaton that this debt is in fact mine. i do not have any knowledge of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians  delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX/XXXX XX/XX/2017 unauthorized EXPERIAN XXXX XXXXXXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX/XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281SW715,719, I presume that no proof of alleged debts, nor therefore any such debt, in fact therefore exists!
Product: Money transfer, virtual currency, or money service

My financial institution failed to investigate my claim which I was not aware of until my truck payment was missed due to money missing from my account XXXX  XXXX. I was neglected from a scam and did not receive my reimbursement so I had to take a loan out to cover my payment.
Product: Debt collection

Credence calls five times a day & also after XXXX XXXX
Product: Checking or savings account

bank owe me XXXX after the bank is closed. i recieved an cashier check. i tell them to fix the cashier check but they dont and they end clear the debit in my saving account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is with XXXX, In XXXX I had a account with Best Buy that is held by best buy, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, XXXX is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling Citi bank no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be Citi bank changed it to a collection agency with new account number and then back to bankruptcy number
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The dates of XX/XX/2019, XX/XX/2019, XXXX, and, XXXX I was given late payments by Wells Fargo Dealer Services for a car, and they reported this to the Consumer Reporting Agency. I had disputed this information previously that the information was incorrect and that it needed to be changed but to no avail.I even provided documentation of a Notarized Letter that was signed by individual pertaining to get the late payments.
Product: Credit reporting or other personal consumer reports

There has been 13 hard inquiries done on my credit report without my permission within the last two months. I have had to call two specific dealerships to request that they stop running my credit after they had turned me down for vehicle purchases. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are the two dealerships in question. I have received duplicate denials from the same companies such as Ally, XXXX XXXX just to name a few.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked repeatedly for Experian to delete the following names, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX only, please delete these inaccurate names since Experian has been ignoring my requests to update my information. THAT IS AGAINST THE LAW! 

They also need to delete the following address that does not belong to me : XXXX XXXX XXXX XXXX, TX XXXX
Product: Student loan

Some how, when trying to set up my student loan repayment with MOHELA. I was connected to a third party student loan company. They changed my FASFA password. I was asked to sign a contract XXXX agreement and make XXXX payments of {$270.00} and a bunch of payments of XXXX. This company is XXXX XXXX or XXXX XXXX XXXX. 
The emails that sends info is XXXX with the name XXXX XXXX XXXX. The money that has been taken out of my account is going to XXXX XXXX XXXX and also XXXX XXXX XXXX.
Product: Student loan

I'm a student of XXXX XXXX and that was scammed by a private student loan agency who the government has now allowed the student loans to be 100 percent forgiven
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Cashed out My XXXX without my permission I have purchased XXXX XXXX onXX/XX/XXXX from Crypto.com. On XX/XX/XXXX Crypto.com They Have cashed me back for the XXXX without my permission and converted it to USDC without my knowledge. when i contacted their customer support they made up so many stories and and when i insisted and pushed back the lies they finally told me XXXX wasn't listed for the USA and they lied because i checked and it was actually listed on their app on the XXXX of XXXX and that's why i was able to purchase it through their app and i have the screenshot to prove that. I have asked for compensation and still waiting for it. The transactions was done without my permission or consnet, I need back my XXXX XXXX and they can take back their USDC that refunded i never asked them to do so. I need help, no one is willing to hele me from their support team.
Product: Prepaid card

i keep receiving emails from Netspend prepaid XXXX, this is their email : XXXXXXXXXXXX They keep coming ( XXXX so far ) thanking me for applying ; i will be receiving my card soon ; directions on how to activate. I DID NOT APPLY FOR A CARD FROM THEM OR ANYONE ELSE. I called all XXXX credit companies and put a 90 day fraud alert also paid {$5.00} to freeze XXXX of them. I did save the emails but was careful NOT to go to click link. I did cut and paste the first XXXX to address bar to check out who they were. It looked like a legit site and said if you receive unsolicited emails from them it was phishing and to forward the email so i did. But probably a mistake on my part because as stated above i keep receiving them. I have Not received a card as of today XXXX/XXXX/16
Product: Credit reporting or other personal consumer reports

experian has been notified since XXXX that my XXXX account is closed no longer authorized user and they keep it live with no documentation re : no longer authorized user.
Product: Credit reporting or other personal consumer reports

these deletions.

4. Notify me in writing of the results of your investigation.

Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA.

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

Sincerely, XXXX XXXX