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

I want to inform the Credit Bureaus ONCE 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 REMOVE! 

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 XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX  Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX Balance Owed : {$58.00} ; XXXX XXXX XXXX Balance Owed : {$43.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$730.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed XXXX {$3300.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

1. ACCOUNT WAS OVERDRAWN -- BY {$1200.00}. BORROWED {$1300.00} FROM 401-K ACCOUNT- DEPOSITED MONEY.

2. AT THIS POINT ASKED IF THIS BROUGHT THIS ACCT CURRENT WAS TOLD THAT IT DID. REQUESTED THE ACCOUNT TO BE CLOSED.. WAS TOLD THE ACCT WOULD BE CLOSED 3. DISCOVERED THE ACCOUNT WAS NOT CLOSED. ASKED WHY AND WAS TOLD IT WAS STILL OVERDRAWN BY {$44.00}. TOLD BANK REP TO WITHDRAW MONEY FROM SAVINGS AND CLOSE THE ACCT. I WAS ONCE AGAIN TOLD THE ACCOUNT WAS NOT CLOSED. 
... ..I ALSO HAD A {$350.00} CHECK DEPOSITED IN THE MEANTIME CALLED THE BANK TO SEE HOW I COULD GET MY MONEY BACK SINCE THE ACCOUNT WAS CLOSED. I WAS THEN TOLD THE ACCOUNT WAS NOT CLOSED AND THIS MONEY WAS USED TO SATISFY ONCE AGAIN MONEY THEY FELT WAS OWED TO THEM. 
4. SEVERAL WEEKS LATER GOT A LETTER STATING THE ACCOUNT WAS OVERDRAWN BY {$210.00}. UPON SPEAKING TO REP WAS TOLD THE ACCT WAS IN NEED OF $ 500/OVERDRAFT AND ADDITIONAL {$160.00}. ALSO SOME HOW ADDITIONAL AMOUNT WAS QUOTED OVER THE PHONE FOR {$800.00}. 
5. WENT DIRECTLY TO THE BRANCH WAS QUOTED A DIFFERENT AMOUNT OWED.

6. GOT A CALL TODAY XX/XX/19 WAS TOLD THE ACCOUNT COULD BE SETTLED FOR {$210.00} HOWEVER I STILL OWED $ XXXX 7. SO CONFUSED BY WHY THIS BANK AFTER BEING A CUSTOMER FOR NEARLY 46 YEARS, HE DIFFERENT DEPT ARE UNABLE TO COMMUNICATE AND SHARE INFORMATION REGARDING A ACCT SUCH AS THIS ONE WITH EACH OTHER. SO THAT THE CONSUMER. DOES NOT FEEL THEY ARE BEING EXPLOITED.

8. FINALLY WAS TOLD THEY WOULD NOT CLOSE MY ACCT. I AM NOT A BANK I DO NOT HAVE AN ENDLESS AMOUNT OF MONEY -- BECAUSE OF THIS MY FINANCIAL SITUATION IS DECLINING.
Product: Money transfer, virtual currency, or money service

Hi, Whom I can concern, My name is XXXX XXXX, I have TD bank accounts on both USA and XXXX side, So I have made a call to bank for service money transfer {$2500.00} from usa to XXXX account on XX/XX/XXXX, the amount was took on same day, but I did not get any money on XXXX account until now! During the passed more then 1 month days, I have made many calls to the bank, even asked to make money recall back to USA account, but so far still get any back yet! 
It is unbelievable, I don't know what's wrong happened, and why it takes so long to process even the recall, Aa a consumer with TDbank for more then 22 years, I am very hopeless they did with their Cross-Border department! 
At here I hope CFPB can help me and protect Consumer 's rights! 

Pls see attached document from TD BANK XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. XXXX XXXX, Experian, and XXXX. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.
Product: Debt collection

Company called me stated I owed a medical debt. They wanted me to pay over the phone so it would not go on my credit report. I was contacted by this company on XXXX XXXX which I was informed I had 45 days to pay in order it being reporting to credit report regarding a medical debt. They wanted payment over the phone without any written verification showing a detailed information over the debt owed. I told them no, not until I get something in writing. I asked them to email a letter to my email address the rep stated that was unable to email or provide any documents by mail. By law I told them I would need some type off documentation showing the debt is owed and the payment being provided is accurate. I asked the rep if I make a payment will they be able to provide proof. They said they cant even send proof of payment out to me. They said they dont send letters or emails out. I have called this company numerous time to get the issue resolved. Well, on XXXX XXXX I called and spoke to XXXX representative of this company. This individual has no idea about collection laws. She basically, told me to pay the balance to avoid any other issues I may occur with credit reporting. From my understanding I was thinking the bill was paid in full by insurance company XXXX and XXXX since this was apart of an accident.
Product: Bank account or service

I recently found out because of letters from chase bank that I owed money on a checking account opened XXXX of 2015. I did not open this account nor did I have any knowledge it was opened. After repeated calls to chase informing them that I did not open the account and this is a case of identity fraud the basically told me there is nothing they can do. I ca n't believe that chase can open an account that was fraudulent to begin with and now they havemail no one for me to contact within chase to help me fis this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution procex was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Hi, I applied for amex corporate card from my company and according to amex 's promotional offer website : ( https : //www.americanexpress.com/us/credit-cards/gcpadvantage ), I can receive statements on my personal cards ( Amex Plat, Gold and Green ). 
However, Amex customer service refused to help me enroll all cards and get the promotional credits on these cards ( I have three personal cards ). Instead, they said that they can only add this promotional offer for just one card.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced {$0.00} XXXXXXXX XXXX XXXX  XXXX Balanced {$800.00}
Product: Debt collection

Email from Sequium Asset Solutions , LLC regarding my XXXX account, which I still have and is currently active, stating that I owed {$49.00}. XXXX XXXX account is not in collections and like I've stated, is current, active, and has never been in default. This claim is completely false and fraudulent.
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 XXXX Account Number : XXXX 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: Student loan

I attended the XXXX XXXX of XXXX from XX/XX/XXXX through XX/XX/XXXX. Since graduating its been a struggle to save money and pay any bills not to mention supporting a family. My private loans were originally Sallie Mae, but now Navient. I have exhausted every option and after paying {$40000.00} towards my loans I literally owe more than when I graduated. Its become a vicious cycle and my degree doesnt warrant the kind of salary one needs to pay this back. I will be filing a complaint and legal action towards XXXX XXXX for deceiving and upfront lying about their accreditation, job placements and financial options. Thats another story. With the recent Sweet vs Cardona case that won in favor of the student, I believe there is liability between these schools and lenders such as Sallie Mae and Navient. Navient should be more understanding and be willing to work with what the student can afford based off of income. I have applied for other jobs while working a job that can support this kind of payment and it would be a salary over XXXX XXXXXXXX, its certainly up there. 

Until I file a case against the XXXX XXXX XXXX XXXX XXXX I believe a fair payment would be income based, same as in the federal loans sector. I really believe that the Sweet vs Cardona case should be an example of what should be followed, a standard that the private loan industry should be held to. I do believe there is a true case to be made regarding the XXXX XXXX deceiving tactics and any enabler, such as Sallie Mae/Navient that aids in this scam. I feel there is little to know protection against these for-profit schools and people like me, who never defaulted and paid XXXX XXXX towards my loans, cant save a XXXX. Its not that I dont want to pay, but at this point its beyond my control. I need help. 

Thank you
Product: Student loan

The week on or before XX/XX/2021, I contacted Sallie Mae , Inc., to discuss payment arrangements. I spoke to a lady name XXXX. During the initial call, she asked for my address, which I provided her with my current address as I recently moved. She then asked for my address on file, which is my mothers residence. Subsequently, she verbally said when I call to use that address on file. ( all calls are recorded so this escalation should be able to retrieve ). 

XXXX informed me that my account was almost 60 days late, which I expressed I was having troubles making payments due to my mother losing her job due to COVID-19. I assumed all financial duties to ensure the house was up-to-par and dire bills were paid. Then, XXXX advised I had a few more days to make a payment before it reflected on my credit reports. I agreed with the payments and provided her with my debit card. I also advised that all banking information was connected to my current address and not my previous address. On the day of extraction, no monies came out. I assumed it was a delay. A few days later, I called to inquire and was advised that my payment was not processed because of incorrect address. 

This has now been reflected on my credit report and has caused me to lose over 100 points. I am in the middle of buying my home and have had to pause with my lender because my credit has been negatively impacted. When I did call back, I had the representative extract the monies out the same day as the money was in the account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was denyed an extension of my own credit. I know I am the creditor and have good faith.
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 under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX / XXXX Account name : XXXX XXXX Account number:XXXX / 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've requested to send me validation and proof of late payments reporting and how they retrieved that information since it didn't come from me. I never gave consent to report on my credit report and these companies are in violation of my privacy rights. 

The negative accounts that are reporting on my credit report are below. 

Late Payments ( Defamation of character ) Account Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.
Product: Credit reporting or other personal consumer reports

There seems to be some unauthorized hard enquiry on my Transunion credit report with the name of XXXX  XXXX XXXX on XX/XX/year>. It looks like someone is trying to apply for credit cards using my SSN, name etc without my consent, knowledge and permission
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please do not add any fraud alerts or statements on the file. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX The following inquiries are not authorized by me, please remove : XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  XXXX The Inquiry was reported on XXXX, XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXXXXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX Page 2 of 3 14. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. EQUIFAX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX EQUIFAX IS IN VIOLATION OF REPORTING INCOME ON MY CREDIT REPORT ( S ) The charge off is considered a certificate of indebtness, and that is considered income. ' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. Income can not be reported to a credit report. Income can not be reported to my credit report. Please delete immediately. This is against the law according to IRS PUBLICATION 4681 : Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an old account with moneylion from 2019 which is a company I have never done business with. I called them multiple times after I noticed it on my report to report it as fraud to them and they kept giving me the run around saying they would look into it and then would just close the case without any resolution. This is an account that I was told was opened online with my information. They arent able to provide any documentation, ID, or signature supplied when this account was opened. This is not my account and needs to be removed off my report immediately.