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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

{ 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 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 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Student loan

I have never missed a payment on my student loans, and have always used the income based repayment plan option. This past year I got married and filed taxes with my husband. We DO NOT share a bank account and for the most part do not share money as we have divvied up our monthly bills. He pays electric, cable, his car insurance, pet insurance, and home security system. I pay our mortgage, student loans, car payment, jewelry and car insurance. 

This year when I went to renew my income based repayment plan, they told me that since I filed taxes with my husband, that now I have too much income to qualify for that plan. Fine. What are my options? I was told a different thing from 3 different customer service representatives. One of whom suggested I go into forbearance for a month until they are able to transition me into a plan that is going to be XXXX dollars more for me a month. I pride myself in not missing any payments of any sort. I could not believe they were telling me this. The other 2 were helpful, however they kept keeling me to call back in XX/XX/XXXX which made me miss the XX/XX/XXXX deadline of signing up for a payment plan. Again, could n't believe they were telling me to call after the deadline. 

I was also under the impression that if you were in an income-based repayment plan, that your student loan would be forgiven after 25 years. I have already been paying my loan for 4 years, but with the new payment plan I was told I would have almost 27 more years of payments on top of all the years I have been making payments. I will be XXXX years old. 

To top everything off, I got my student loan interest tax form in the meal, and I am only paying off interest at this point! I am making no dent whatsoever in the balance of my loans. I am making over {$300.00} in payments a month ... that 's not exactly XXXX ... I feel like it should go directly towards the balance. Why is the interest rate so high??? Its killing me! 

My student loan payment is the only reason we are waiting to have kids. We make XXXX take home pay every year, which should be enough money to start a family, but this student loan is causing me to put my life on hold. I feel such desperation. I am working in the file that I studied in college, so my education is going to use ... Just wish I would have known all this when I was XXXX and applying for these loans.
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. 

XXXX XXXX, XXXX webank, XXXX XXXX, military star, XXXX home stores, syncb car care, first premier bank, XXXX, XXXX, XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pay lease, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reported agency may make any consumer report and containing any of the following items information any other adverse item information other than records of convictions of crimes which antedates 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 report agency if the person knows or has reasonable cause to believe that the information is in accurate
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXAccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 XXXX 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. Also they aren't even in compliance with metro XXXX credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the XXXX credit bureaus.
Product: Money transfer, virtual currency, or money service

I was scammed but the me-to-me money transfer through XXXX that is partnered with Chase bank. I would not otherwise have an account with XXXX if it were not partnered with Chase as I have been a Chase bank customer since XXXX. XX/XX/XXXX for XXXX . I have reached out to Chase and was told that XXXX is not covered by purchase protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Trans 2nd XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Trans XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the equifax data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.
Product: Consumer Loan

I 've sent a request to get validation on my current vehicle account and I 've never received a response. I 've had great payment history with this company since XX/XX/2013. They reported a XXXX day late payment and I 'm unaware of the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity theft that happened in XXXX '20 and shared with local police by raising a police report and also shared with FTC through identity theft report, I can not access/register myEquifax account and I suspect someone else has registered under my SSN and name. 

I have followed up several times over the phone and over the mail with Equifax with evidence of my identity, police report, FTC IDTHEFT report and proper email address and phone number that should be assigned to my profile, with no success. 

Other notes : I am able to access my credit file with XXXX and XXXX, yet Equifax is not helpful in making this change and allows unauthorized parties access and manipulate my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have sent a ID Theft letter and police report several times to this debt collector/auto/lease credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The auto lease was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the loan/lease.
Product: Credit reporting or other personal consumer reports

There are XXXX addresses on my XXXX XXXX credit report that are not mine, and never were. There is XXXX XXXX negative reporting, that should be off, It's over 14 years. There is also things that were applied for and are not mine. My social security card was stolen.
Product: Mortgage

Have written you folks before about the incompetence, uncaring, and indifference of Bank of America and the charade they refer to as " customer service ''. Been trying to arrange a short sale of property financed by BOA in Virginia for the past several months. At one time, actually had a bonafide offer. Our loan # is XXXX. 
The most recent agent assigned our tentative sale is XXXX XXXX, XXXX, ext. XXXX. She sent us a ltr regarding same on XXXX XXXX, XX/XX/XXXX Attempts to contact her have failed. Prior to her supposed assignment, we were told to call or contact : XXXX XXXX, XXXX ( ext. XXXX ) ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; etc., etc., etc. 
Needless to say I have left msgs when possible at the above phone numbers. Our realtor, XXXX XXXX has had similar luck. I have even tried actually walking into a BOA branch office and speaking with a gentleman dressed in a coat and tie and seated at a desk to ask his help. I was told ( albeit politely ) " he knew nothing about mortgages ''. 
If I 'm not mistaken, in XXXX when the real estate market crashed badly in a number of states ( including XXXX where we had recently purchased a home ), BOA was XXXX of the institutions that received federal financial help and assistance. ( My wife and I did n't receive any such help and truthfully, did n't expect any. ) XXXX. At present, we 're not sure if said " short sale '' offer still exists. We do know our realtor is trying hard. We 've never had an offer before in over five years. XXXX would think when and if such an offer surfaced that BOA would take aggressive and immediate action to close the deal. But, now we 're in the XXXX century and everything is different. Glad I 'm old. 
So, I 'll continue to try and make phone calls to BOA and sadly continue to make mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF EDXXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Checking or savings account

I tried to open a new bank account online with Citibank in XX/XX/2021. I was able to open the account and deposit {$950.00} into this account via online transfer. I also submitted all of the documentation they requested with regards to my ID and address. I kept receiving emails from them requesting the same documentation over and over again which I submitted multiple times. When I called them to find out what the problem was, I was told that they were not willing to open a new account for me because I was living outside of the US. This was in XX/XX/2021. So at that point, I told them to close the account and send me a check for the money that I had deposited into the account. But they never closed the account and I never received the check. Since this time I have called them every 2 weeks to try to resolve this problem. They keep telling me they will send the check, but the check never comes. This has been going on for 5 months now with me making repeated calls to their customer service department. No matter what I do, I can not get Citibank to return my funds to me.
Product: Debt collection

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of First Source Advantage LLC.

This collection agency is slandering my name, as well as my credit, by attempting to collect on a debt that they did not verify with me prior to placing that debt onto my credit files. 

This debt collector has made calls leaving voicemails, as well as making subsequent follow-up calls, someone by the name of XXXX XXXX, from a ( XXXX ) XXXX. 
XXXX left a reference number of XXXX in the voicemail that was left. 

Calls have also been made to people whom they believe to be my friends, or relatives, and that is wrong. 

I know nothing about this company, nor the debt that they have wrongfully put onto my credit files without my prior knowledge. 

I do not owe that collection agency anything, and I want them to cease and desist from contacting me, or anyone that is associated with me, or I will be contacting an attorney. 

As well as, I want them to remove any and all of the fraudulent derogatory collection information that they have placed onto my credit files, as well as their company files. 

I want the Consumer Financial Protection Bureau fully involved in this complaint, the collection agency can contact the CFPB, and the CFPB, can contact me. 

I want hard copy proof from a letter with their letterhead when they have removed the slanderous derogatory information from my credit files. 

I would like proof that this company is licensed to collect in my state. 
And I would also like for them to provide their license numbers, and Registered Agent documentation.
Product: Debt collection

this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report
Product: Credit reporting or other personal consumer reports

I want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/XXXX {$3600.00} There also were inquiries that i obtained without my knowledge. 
XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal decided that I violated their terms and agreement so disabled my account. I can not withdraw my money for 90 days and my account will be closed after that. No reasons provided why I broke their rules, I didnt do anything on my account. Need an explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon! In XXXX of XXXX I took out a vehicle loan with BMW Financial Services. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on BMW Financial Service 's end as it was closing out the account. I reached out to BMW Financial Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document BMW Financial Services sent me in XX/XX/XXXX. 

Upon going through my credit report in XX/XX/XXXX, I saw on XXXX of my XXXX reports ( XXXX ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other XXXX credit reporting bureaus were annotated correctly. I sent a dispute through XXXX. Because it had been almost XXXX years, I did not quickly have access to the correspondence with BMW Financial Services, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email BMW Financial Services sent me outlining the delinquency would be removed, and have since updated XXXX with this information. 

In the meantime, BMW Financial Services has incorrectly told XXXX the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost XXXX years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time. 

I've since furnished the email to XXXX so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit report.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXX, Inquiry Date : XX/XX/XXXX, XXXX 2. XXXX  XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XXXX 3. XXXX XXXX XXXX, Inquiry Date XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.