23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended and graduated from University XXXX XXXX in XXXX, Florida. I have a private student loan from PNC serviced by XXXX. In XX/XX/XXXX I contacted XXXX to find out how I can lower my monthly payment due to my low income. After several attempts with different representatives I was finally transferred to a gentleman named XXXX in the financial department of XXXX. He instructed me to fax over a written statement and supporting documents. The documents included a recent pay stub, copy of my XX/XX/XXXX tax XXXX, as well as income sensitive repayment request form. I faxed over everything as instructed. After 4 week I still had no feedback. I continued to make some kind of payment each month. I resent my paperwork again in XX/XX/XXXX and XX/XX/XXXX. Still no response. In an attempt to make a better yearly income, I went back to school to changed my profession. While in school I requested deferment of my payments. No response. In XX/XX/XXXX I received a letter from Attorney at law XXXX, XXXX, and XXXX debt collector. I faxed them back in XX/XX/XXXX That I had been making some kind of payment and that I had filed income sensitive repayment request to XXXX. I heard nothing back from them till XX/XX/XXXX they started leaving messages on the answering machine. I have no idea what has happened. I just was requesting a lower monthly payment so I can stay on top of paying off my loans. XXXX monthly payments {$470.00} a month, my yearly income {$16000.00} per year. I do n't know where to turn. I continue to request lower monthly payments till I can get my career on track. I take my state XXXX exam in XX/XX/XXXX.
Product: Debt collection

I just received a very threatening call from a debt collector ; first leaving a threatening voicemail saying I was in dire straights and I need to call back immediately because someone issued complaints against me. I was very confused thinking who could file a complaint against me so I called the phone number that was left on my voicemail. After calling the phone number, the representative XXXX XXXX XXXX explained I had debt with US Bank. I was very confused because I had not had a checking account with US Bank for over 7 years when I closed my account because I was moving to a different location. I told her if I had a credit balance where I owed money to US Bank, they would not have allowed me to close my checking account. She then said that I had an outstanding credit balance of over {$500.00} and If I paid her a little over a {$1000.00}. everything would be taken care of. I told her I would go to US Bank and take care of this since, I legitimately closed my checking account with US Bank without a credit balance. Please help?
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Ttle and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit card or prepaid card

MY EX I WAS DATEING TOOK ALL INFORMATION AND IS NOW RECEIVEING MY PUA BENEFITS FOR COVID-19 THROUGH EDD, I BELIEVE THAT HE'S USING A FEMALE AS ME AND THEY'RE TAKING MY IDENTITY IN THE TRYING TO DO STUFF FOR MY IDENTITY AND I BELIEVE THAT THEY HAVE ANOTHER EDD CARD OR TRYING TO RECEIVE ONE IN MY NAME WERE THEY TRYING TO RECEIVE A CHECK IN THE MAIL EITHER WAY IT GOES HE HAS ALL OF MY MAIL IT WILL NOT COME GIVE ME NONE OF MY EDD MAIL I'VE SEEN THIS PERSON NUMEROUS OF TIMES AND HE STILL WALKING AROUND LIKE HE HAS NOT DONE NOTHING WRONG I WAS SUPPOSED TO GET PAID ON MONDAY BUT I DID NOT RECEIVE ANY BENEFITS BECAUSE HE TOOK MY MAIL TO RECERTIFY MY BENEFITS
Product: Credit reporting or other personal consumer reports

My name is spelled wrong on the report in multiple searches. The job Im applying for has ended my hiring process because of something on my background which is inaccurate.
Product: Credit reporting

The following ( XXXX ) accounts are listed as " Open - Unknown '' when they should be listed as " Closed under Bankruptcy, Chapter XXXX '' :1. XXXX XXXX2. XXXX XXXX3. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX, XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ALL IN CREDIT UNION Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Furniture, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXt Account name XXXX acct XXXX XXXXXXXX XXXX XXXX  acct XXXX  XXXXXXXX XXXX XXXX Acct XXXX XXXX  XXXX XXXX acct XXXX XXXXXXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX Bankruptcy 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wire transfer {$12000.00} from XXXX XXXX to Bank of America client. 
Quiet. Never received money. So I asked for a refund. But bank of america will not release my money
Product: Credit reporting

on my credit report for TransUnion, I do n't recognize one of the credit card with balance of {$600.00} I have XXXX other cards on the same financial institution but I do n't see this XXXX anywhere. plus i do n't see them in my other credit reports ( XXXX and XXXX ) please remove this XXXX from my report. 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, DE XXXX XXXX XXXX Experian, XXXX, and XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXX. XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : 1. [ ] 15 U.S.C. 1681 Section 602 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions.

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent.

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. FTC Identity Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Credit Card was opened fraudulent without my consent. I have repeatedly asked XXXX XXXX to remove the account from my credit report. I completed an affidavit with them in the past and they still have not removed it. The account was opened in XX/XX/XXXX and Charged on XX/XX/XXXX. I need this removed from my credit report immediately!
Product: Debt collection

This company is harassing everyone in my immediate family as well as my siblings ' parents. They are also calling me on Saturdays and Sundays.
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 XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX 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 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

Multiple complaints to Equifax in regards to an account that is not mine, FTC, affidavit and theft report submitted. Equifax continues to verify information is accurate and failed to respond to request of method verification. None of the other XXXX credit reporting bureaus have this information.
Product: Debt collection

I noted a collection on my credit report that was not mine from Transworld Systems that noted it was for a {$310.00} debt for XXXX XXXX. I can not find any information on this power company other than that it has been sold. Transworld Systems has an online message board to enter issues to them but I have not heard a response. I have not lived in Texas nor ever had a reason to set up utilities in Texas which is where this company appears to have been in business. I have had several other fraudulent utility collections for power accounts in Texas despite a fraud alert on my credit report. The validation of my identity is not taking place. I have entered disputes with XXXX and XXXX with no results so far.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. The date of the last payment. The account status. I am requesting an investigation into the accuracy and completeness of the above data for the XXXX XXXX  Account - Account XXXX. : XXXX
Product: Checking or savings account

I just recently sent a complaint anout Wells Fargo not letting me open account now the day say I owe then 3 hundred dollars I dont owe Wells Fargo nothing yall close my account for nothing yall are XXXX and its getting annoying.
Product: Credit reporting

In XXXX 2015 I reported to Experian that XXXX XXXX had incorrectly added a late payment to my credit report after advising me to make a payment after they modified my mortgage payment after a randomized " escrow analysis '' in the middle of a billing cycle. After the corrected the balance due, I promptly made the payment and then they sent the late payment report to the credit bureau after telling me multiple times that it would not be late. I had representatives agree with me on the phone and then never correct this on my credit and I am appalled. I want this removed. I have tried to have this reopened by Experian and their site will does n't accept the uploads. XXXX has done this twice on my credit report after 10 years of paying my mortgage on 10 without one late payment. It 's unfair and needs be stopped and Experian should look at the documentation of consumers closely.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted CoreLogic Credco LLC to investigate hard inquiries in which it placed on my personal credit report. I have never had any business with Corelogic Credco LLC. After XXXX refused to open an dispute investigation to the following hard inquiries on my credit report I reached out to Corelogic to remove. 

- **CORELOGIC CREDCO LLC Inquiry Date : XX/XX/XXXX, XXXX - **CORELOGIC CREDCO LLC Inquiry Date : XX/XX/XXXX, XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically **Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) **, I previously requested verification of these inquiries. However, your investigation failed to provide legally required documentation proving that I authorized these inquiries.

Under federal law, you are obligated to provide me with documented proof, including a signed consumer contract or other verification that explicitly demonstrates my authorization. Since you have failed to produce such documentation, these inquiries must be **immediately removed** under **Section 611 ( 5 ) ( A ) of the FCRA**. 

I received a document but there was no verification other than verbal from a alleged creditor. See attached. 

Your failure to comply with federal law also places you in violation of **Section 617 of the FCRA**, which allows me to pursue legal action for noncompliance. 

I demand written confirmation that these inquiries have been deleted from my credit now.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX shared my nonpublic consumer information to XXXX, Equifax, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Discover Bank advertises Home Equity loan rates between 4.49 % and 11.99 %. I applied for a {$40000.00} home equity loan with them. I have an XXXX credit score and our LTV would be below 70 % with the home equity loan. The only debt I have is this loan and an auto loan, and my salary more than covers the potential payments with my existing debt. It would be a second lien loan. Even with my exceptional credit, they offered me 8.99 %. This is insanely high, and I would have never applied and wasted a hit on my credit if I had known that Discover Bank would give me such a high rate even with my exceptional credit and low LTV. Discover Bank is using deceptive marketing practices, advertising rates that they never intend to provide. Please investigate and find out how many borrowers actually receive the 4.49 % rate - I'm sure it's close to zero.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had a Citi Prestige Card since XXXX. On XX/XX/XXXX, the annual fee {$490.00} was posted and I paid the annual fee. However, Citi Bank closed my account on XX/XX/XXXX, after 45 days when the annual fee was posted. I contacted Citi Bank and opened a case for the annual fee refund, but they declined my request for a refund for the membership fee on this account, which makes no sense and unfair to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX isnt investigating according to the FCRA. Ive sent ion multiple notices to which they claim they validated it, however never send the documentation on how they verified it. Identify theft and fraud has taken place onto my consumer report. EQUIFAX iz not moving in a fair and equitable way! All of this information needs to be DELETED NOW if they cant send documentation on how it was verified!
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 XXXXXXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
HAS VIOLATED MY RIGHTS.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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Experian Difficult Accessing my latest Credit Report Dear Experian Customer Support I am writting to request assistant with refreshing my report, as i have encounter issues while attempting to refresh acess the most rrecent information through my account. 

Dispite following the provided steps, i am unable to view the updated version of my report/ refresh to view all 3 credit reports. I rely on accurate and up-to-datre credit information for financial planning, so i am eager to resolve this matter as soon as possible. 

please be advice on the necessary steps to update my report, or let me know if there are any issues preventing access. you can reach me via email or by phone at XXXX my email is XXXX i also have another email which is XXXX Thank you for your assistance. I llok forward to resolving this issue promptly Regards, XXXX XXXX