23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citizens Bank Statement Date : XX/XX/2021 - XX/XX/202 New Balance {$9500.00} Payment Due Date XX/XX/2021 I paid the above new balance, plus other charges. XXXX credited on XXXX, amount XXXX. On XX/XX/XXXX I paid {$42.00} for one remaining charge. Both payments were on or before the payment due date. On XX/XX/XXXX interest charged of {$77.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to your office about fraud on my credit report. I am still seeing things on my credit that should not be there because they are not my accounts or credit cards. XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Product: Student loan

I recently lost my job and will not be able to get back to work until XXXX. When I called Navient to try and work something out with them as far as deferment, they would n't work with me. They said there was n't anything they could do and just reminded me of the repercussions of defaulting which is what I told them I was in fear of doing.
Product: Debt collection

didn't authorize or gave permission for the XXXX XXXX with my information. It's already closed and charged off. to be removed I didn't sign no agreement with this XXXX collector.
Product: Credit reporting or other personal consumer reports

Call XXXX ( XXXX ), XXXX ( 3 ) Experian ( 5 ) to have all inaccurate address to be removed, ( XXXX every is reporting 2 addresses with 2 street names ) Experian ( 2 ) inaccurate names to be removed. ( I do not have a middle name ) all 3 are reporting different version of inaccurate addresses.

this is what my request was, I noticed youre reporting inaccurate personal information on my credit file, please review my request below. 
My only name is XXXX Please delete any other names you are reporting. 
My only address is XXXX  Please delete previous addresses you are reporting as they are inaccurate. 

I was told that they can not be removed as some addresses are begin reported as accurate by creditors and can not be removed.
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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the inquiries below : XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 Experian XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Product: Credit card or prepaid card

I was notified by the credit card company that the XXXX credit card will be closed if do not charge {$1000.00}. I didnt and was issue a Rewards credit card. When I changed on the new card for the first time and sent the payment to the same po box that I have used since 2014, it didnt get processed and to this day it is unknown what happened to it. I was never notified of a payment address change nor if the address change had anything to do with going from XXXX to a Rewards card. 

I called the credit card company regarding the issue informing them of the payment and asking for address verification several times but there was silence. I was given a fax number to fax proof of payment to, which I did. I never heard back from them. During the first call I told them without address verification I will be blindly re-sending the payment and my next payment as well. Again nothing said. 
I canceled the first payment then resent it and the next payment to the same address hoping that the first payment had only got lost in the mail. The resent payment disappeared and the next payment was sent back to my bank. Wells Fargo was sent proof of payments but refused to accept them stating they want my bank account statements. No, no one looks at my bank account statement but me and the shredder. I feel wanting access to my bank statements is a major invasion of privacy. It would tell them who I work for, how much I get paid, where I shop, where I like to eat, who I pay my bills too and much more. That is way more than they need to know for proof of payment. 

I made two calls to them with the first one wanting the address verification, I got it on the second call. I went to Wells Fargo and made the payments to make sure there would no more issues. They gave me the number to call and make a formal complaint which I did. Next I responded to the investigation results from the formal complaint call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts are in violation of my federally protected consumer rights under15 usc- section 1681 1681 b 1681 c2e 1681 he Accounts : XXXX XXXX XXXX XXXX I have spoken with a representative in the XXXX office whom has stated there would be no remedy even with proof of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$1900.00}
Product: Debt collection

Re : Line of CreditChase sued me in XXXX XXXX Superior Court. 
The amount sued for was an incorrect balance. 
A payment they received, on the account was not credited. 
They did cash and retain the funds. 
Chase requested summary judgement. 
A rep stated if I pursued such a " trivial '' amount ( $ XXXX ), it would cost more in legal fees, and they would not settle. 
{$700.00} monthly was agreed to be paid to Chase. 
{$700.00} has been paid EACH and EVERY month ON time. 

In the ensuing years Multiple Inquiries and/or requests have been ignored by CHASE, not even for tax purposes/payoff : Chase has NEVER issued a statement on this account. 
Chase has NEVER issued a balance on this account. 
Chase has NEVER issued an interest paid statement. 
Chase has to my knowledge never adjusted missing payment. 
Chase did acknowledge the payment had not been credited. 
Chase has ignored EVERY request for a balance. 
Chase has ignored EVERY request for a payoff. 
Chase has ignored EVERY " Demand '' for such. 

I do not know-how much they are acknowledging as paid, -if they are crediting all of the payments they are receiving. 
-if they did credit that missing amount they collected-what has been paid in interest, fees, -if the amount due has been paid, what is remaining, -what the payoff balance is-When the payments they are collecting will satisfy the account. 
( i.e. when will it be paid ) Your assistance would be appreciated.
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 n 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 n 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I.Q. Data International , INC XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the NMLS Consumer Access, I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming. 
also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.
Product: Credit reporting

My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to Trans Union, XXXX, and XXXX. They did not do a thorough investigation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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: Prepaid card

I bought a prepaid Vanilla gift card from XXXX store for {$500.00}. 
When I was inside the XXXX I opened the card and immediately see the 4 digit out of 16 digit of the card is missing and thus can not be read. 
While I was still inside XXXX I called the the Vanilla gift card customer service and informed them of the card issue. 
They asked me to send them my personal documents which has a proof of my address as well as my driver liscence and a picture of the card with missing numbers and the receipt where I purchased the card. 
I already email all my documents which they asked for to their designated email over 2 weeks ago.

However, I have not heard anything back from them and never sent me a replacement card at the address I provided them. 

Thank you, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had cashapp for over 5 years and have had funds transferred to the wrong telephone number becuase the person got a new number. Cashapp refused to help me resolve the issue.
Product: Credit reporting or other personal consumer reports

I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance. 

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 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 credit reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of *I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to XXXX per month per illegal reporting.
Product: Debt collection

I have previously told Cherrington firm that i can not accept calls until after i am off work. I missed a payment for the case they bought for a debt i do owe, and i'm well aware i owe it. Between COVID impacting our finances and stuff, and for them to call my workplace is not okay.
Product: Mortgage

Problems Reaching Asset Manager, Problems with Lost Hamp Modification Packages sent to Bayview Loan Servicing. 
I have sent several qualified written request via emails regarding lost Hamp Modification Package Applications. ( See Exhibit I emails to Bayview Loan Servicing regarding reaching Asset Manager and Lost or misplaced Hamp Packages ). 
On Saturday XXXX XXXX, 2016, I emailed another " Hamp Modification Package Applications '' due to the XXXX 2016 and XXXX 2016 Hamp packages that were mailed were lost or misplaced ( Another Asset Manager indicated when the packages go to Florida, which was the prepaid envelope sent to me that sometimes they are misplaced or lost so she indicated for me to email the package to my Asset Manager XXXX XXXX. 
On XXXX XXXX, 2016, I received an automated response that my Asset Manager would contact me within 24 hours of her return on Monday. It is now XXXX hours and no response. Upon calling my Asset Manager XXXX XXXX, the message indicates, that on Wednesday she will be there until XXXX. and then she does n't return until Monday, XXXX XXXX, 2016. 
The problem I am facing is I have a XXXX husband and Bayview Loan Servicing has a foreclosure dated on our home, XXXX XXXX, 2016, this foreclosure has remained although we have sent in three previous Hamp packages. This package emailed will be the fourth package. Please have someone call me about cancelling the foreclosure sell date on my home until my HAMP modification package is processed. Thank you for your time and trouble. 
In addition, due to Bayview having all my phone numbers preprogramed to go to only to my Asset Manager XXXX XXXX, I have to go borrow a neighbors phone to follow the directive XXXX XXXX left on her voice mail today to not leave a message but to call customer service. You can reach me at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Debt collection

There are fraudulent accounts in my profile that needs to be removed. You are violating my right to have an accurate reporting. Remove these as soon as possible. 

XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX  XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I the XXXX XXXX XXXX XXXX with address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX last week on or around XX/XX/2023. I advised a representative on a recorded line that the reason for my call was that I had noticed on my credit report from XXXX, XXXX and Experian they had reported account XXXX XXXXXXXX was reported as a charge off and also showing a balance for {$4500.00}. I requested the XXXX XXXX to send me a 1099-C form since the had charged off them account. I kept getting transferred and the last representative. I spoke with said the debt was now being handled by a 3rd party. I advised XXXX XXXX that I never signed any contract with this 3rd party, neither did I authorize the 3rd party to handle this account. I also never authorized my account to be reported to XXXX XXXX XXXX verbally orally or in writing. I advised that IRS guidelines require a creditor/lender to provide a 1099-c form for any forgiven/written off/discharged over {$600.00}. I also contacted XXXX, XXXX and Experian and disputed the accuracy of this charged off account and requested it be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED collection agency has also failed to validate debt or show my ownership for such derogatory account.
Product: Credit card or prepaid card

Received a email that said it was PayPal stating that someone had tried to charge XXXX to my account. And to call this numberXXXX. When I did that when everything went south. It end up coasting me XXXX XXXX XXXX XXXX XXXX. Had to change my banking information. They hacked in to my computer XXXX. It bad. Picture of my driver license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report with XXXX and Trans Union and have found inaccuracies showing that are affecting my credit rating showing on my credit file. I have disputed directly with XXXX and Trans Union over 30 days ago and they have failed to remove these in accuracies. XXXX XXXX Acct was paid and agreed to remove from bureaus and XXXX has complied, but XXXX n Transunion have not XXXX XXXX XXXX Acct # XXXX Showing as closed but has not been removed TransUnion XXXX XXXX Acct # XXXX Showing as paid but has not been removed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXXXXXX XXXX, account # XXXX, has violated my rights. 

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

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

I have sent out several disputes to each of the credit bureaus :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, and Experian and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2015 Balance {$7900.00} and XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$2300.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.