23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my cellphone was stolen and someone was used my passcode to get into the phone. They proceeded to get into my banking apps and log in to my Paypal account. They purchased {$1000.00} of bitcoin through paypal, then they sent {$5000.00} to someone from my account. I called paypal as soon as I was aware that someone was using my account. At the time of the call the {$5000.00} dollar transaction was still being processed, so I told them that it was not me and someone had my device, and for them to freeze the account. They froze the account and open up a claim, the next day they sent an email saying that the claim was denied and they processed the {$5000.00} transaction and the {$1000.00} Bitcoin transaction. The person who got into my account also added a new email and a new phone number to the account and they tried to remove my number to restrict my access. 

They also sold bitcoin and I had a balance on my account which does not belong to me. 

Here are my claim numbers : Dispute ID : XXXX Transaction : XXXX Transaction Amount : {$1000.00} Dispute ID : XXXX Transaction : XXXX Transaction Amount : {$5000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance $ XXXX not mine XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX not mine, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN 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 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Flagstar bank miscalculated my escrow payment by almost 100 % and is charging me over {$2000.00} extra per month. I have to make the full payment or they will impound the funds and not apply it to the payment and I will be in default. 
After contacting them by phone and email to correct the problem and providing a copy of the tax bills they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit file and would like them removed. Providing you with identity theft report. I have already provided a police report. XXXX XXXX XXXX is still on my credit report after I have contacted them and you numerous times. XXXX has verified inaccuracies and removed. Why won't you Equifax?
Product: Debt collection

I have no knowledge of this debt belonging to me. Letters have been written to this company requesting proof of debt owed. The company they are claiming to represent is Synchrony Bank JC Penney. I have not done business with JC PENNEY for over 8 years.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6. 2 states I have the right to privacy ( 15 USC 1681 ( SECTION 604 A SECTION 2 ( it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

privacy and consent SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, USDOE/XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing world finance with XXXX for a long time. Now I have been requesting a copy of the contract, proving that is mine, and I am getting no responses they keep allowing world finance to change their remarks back-and-forth.
Product: Credit reporting or other personal consumer reports

Tenaglia and Hunt is the law firm representing XXXX XXXX XXXX XXXX XXXX XXXX is wrongfully reporting debt on my credit... On XX/XX/2023 at XXXX ... New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Number : XXXX - XXXX - XXXX / XXXX Case Name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Type : Civil Room : XXXX Courtroom ( XXXX ) OUTCOME : DISMISSED BY HONORABLE XXXX XXXX XXXX I have reached out trying to resolve this issue and have not gotten anywhere. This is still wrongfully being reported on my credit due to the case being DISMISSED!!! This is hurting me as a consumer and effecting my credit! To top off this matter, aside from the case being DISMISSED IN COURTXXXX XXXX XXXX XXXX  is outside of the Statute of Limitations defined by law in New York State to collect the above debt claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT
Product: Credit reporting or other personal consumer reports

I discovered ( 4 ) hard credit inquiries on my experian account for opening new lines of credit, all of which I personally did not inquire about myself. I believe my social security number was used and an incorrect address lead to denials. The credit inquires are as below, the dates are the ones listed on the mailed notices I received : XX/XX/scrub>XXXX XXXX  TD Retail Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX who reported they did not have any inquiries matching my name or social, although I have a hard copy of the denial letter from the bank. I called TD bank and they dropped my call. I have a credit freeze placed by XXXX, but need to dispute the several hard inquiries to my credit which I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX***. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is XXXX INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below and delete all Utilization from the below account.

( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you verify the paperwork? Several of the recorded entries exhibit inaccuracies concerning reporting, incorrect figures, and dates.
Product: Debt collection

Wrote a letter asking them to validate the debt signature page dates of service and cost of rendered services they did not validate the debt have not heard back from credit control corp I did not give no one permission to expose my medical information there for they violated my rights under the hippa la s
Product: Credit reporting, credit repair services, 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 inder 15 USC 1681.

193890 XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Section 2 : Its also states a consumer reporting agency can not furnish a account without 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: Consumer Loan

Today I received an alert from my Credit Union stating that they had just paid a ACH Debit for Santander {$560.00}. I was outraged due to the fact that I did n't authorize Santander to debit my account for anything and also I no longer own the car that I had. The repossesed the vehicle in XXXX 2013. Shocked so I called up Santander and asked them why did they debit my account this money and they claimed they had no idea what I was speaking about and they have had no payment options for me set up. Well somebody within that company did something. I looked on the back of the check and it states " FOR DEPOSIT ONLY XXXX. Mind you Santander states that they did n't send out my account to any collection agency that they are handling everything on their own. Then how the hell did all of this happen what is going on
Product: Student loan

GC services is a loan servicer that has my loan threw The department of education. they said if i do 6 payments consistant then my loan will go outta default. I DID THAT THEN THEY STATED I NEEDED 9 CONSECUTIVE PAYMENTS TO FINISH THE PROGRAM. THEN THEY GARNISHED MY TAXES. I DID THE PROGRAM THEY SAID THEY WOULD THEN WAIVE THE REST OF THE LOAN AND THEY DIDNT THEY JUST SOLD MY LOAN TO ANOTHER SERVICER.
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 Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX and 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: Debt collection

Do not recall the date Wells Fargo Credit Card was issued or the exact date the Account was closed, but Debt was discharged XX/XX/XXXX via my Bankruptcy ( Sole ). Upon waiting the required 2 years to seek a Home Loan ( Jointly ), the financial institution alerted us of the negative activity on my Wife 's Credit Reporting History. The collection amount detailed was {$4600.00} that was past due. My Wife never received any notice of collection from Wells Fargo. Upon contacting Wells Fargo in XX/XX/XXXX, it was explained that my Wife never filed or requested a Credit Card from Wells Fargo individually, Jointly or as a Co-Applicant. The first Representative of Wells Fargo I spoke with confirmed that my Credit Card Account was closed and discharged via my Bankruptcy, but the Representative indicated that my Wife 's Debt was also discharge via my Bankruptcy because of our residency in Texas, which is I was told is a Community Property State and that when I discharge my debts via Bankruptcy the Joint Account with Wells Fargo was also Discharged. However, I explained that I do not recall or remember requesting Credit or Credit Card for my Wife. An official Dispute was  filed in XX/XX/XXXX and explained the aforementioned information. I was told the investigation would take 30 days and a decision would mailed. Till this date ( XX/XX/XXXX ) no written response has been received and despite multiple attempts by telephone I have not received a decision or a course of action from Wells Fargo.
Product: Student loan

XXXX XXXX is my name social XXXX address XXXX XXXX XXXX XXXX XXXX. I have a document below the would reflect my complaint.
Product: Credit card or prepaid card

I signed up for this card on XXXX/2017 and the bonus was {$500.00} on {$4500.00} purchase within 3 months. The first month I spent {$3500.00}, but Capital One decided to restrict my account WITHOUT warning. They also, never disclose to me that the 3 months to earn it is still going on. 

Eventually I figured out what was happening, and they unfroze my account but then randomly they restricted it again when I tried to make another purchase. So after sending in the appropriate documentation they never unrestricted my account as they state they never received the documentation despite evidence of it being done. Then they would state that we sent them the wrong documentation and at the end of the day the customer service was not there to help me, but after 2 months they figured it was me.. 

After my account got unrestricted it was PAST the 3 months, and I called in stating that I completed my {$4500.00} when will I get the bonus, but they said it is not possible. All of this hassle is ridiculous and I need your help in claiming my signup bonus.
Product: Checking or savings account

While opening a new CD I downloaded the " Synchrony Bank Consumer Deposit Account Agreement '' for review prior to completing the CD. This document is XXXX pages and covers multiple account types. 

Unlike any document ( XXXX  or otherwise ) I've downloaded from any other bank, this document is NOT SEARCHABLE. Of course, the document should be locked to prevent editing. This goes beyond being locked. It's like an image of text, but not actual text. I can't highlight and copy a section, for example. I can't copy it into another program, like XXXX, to search for text. I've tried multiple XXXX  readers and browsers. 

Most importantly, it can't be searched for key words e.g. " penalty ''. 

This is the most user UNfriendly document I've ever dealt with. 

PS- The document in question is XXXX so I couldn't upload it to you due to the XXXX size limit.
Product: Debt collection

XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by  failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Items on my credit report are inaccurate and misleading information. Can you please take a look and update the incorrect information
Product: Vehicle loan or lease

Santander Consumer USA provides me with a car loan that the car wasnt worth.
Product: Money transfer, virtual currency, or money service

By mistake, I made an online purchase on a site that I suspect belongs to thieves. I paid by paypal in the name of XXXX PAYPAL XXXX. 
XXXX ID : XXXX XX/XX/2022 Invoice number : XXXX. I would like you to help me recover my money from Paypal because PayPal has not yet transferred this money to these thieves. 

Total amount of this transaction : {$44.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im buying second home and find out theres a account from XXXXXXXX XXXX XXXX XXXX on my credit report and it doesnt belong to me
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX 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. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX 15 U.S.C 1

681 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: Credit reporting or other personal consumer reports

iam a victim of identity theft i found a few accounts that i dont recognise and student loans and ive never been to school my credit is harmed and they violated my privacy and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and never sent me anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX