23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I have tried numerous times disputing what the credit card companies are reporting. I also sent letters to the credit bureau telling them that I did not apply for a job or was granted credit with these people and I wanted them removed and I have not received a response from either XXXX.
Product: Checking or savings account

IRS.gov stated my payment was deposited in my checking account on XX/XX/2021. It never was deposited and I am on XXXX and I filed taxes through XXXX and I didnt receive my money. I have many charges on my account that I didnt make. My bank has to change my ATM/Debit Card over 6 times and Ive had to file numerous claims.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, On XXXX XX/XX/2022 I made a money transfer to the company Wise, which operates with XXXX XXXX , in the USA, to be sent to a foreign bank at the value of US {$45000.00}. 
This money was expected to be deposited into my own bank account at home. I have used Wise for over several years and never had any problem until this incident. I was contacted by email asking for an explanation on the money what I did and given the lack of contact from Wise for over two days, I requested the money be refunded. Wise, informed me that started the refund on XXXX XXXX and needed 2-5 working days to deposit it back into my account. This never happened. I contacted my bank XXXX XXXX, which informed me that the money was never paid back, they asked for a tracking number/ swift number from Wise, which refused to provide it. Since then, I have been calling and writing to Wise customer service every day ( I have the documentation ). After asking for my banking statement and ensuring that I did not receive the money, they informed me that a " second transfer was made '' on XXXX XXXX and I should again wait for 2-5 working days. 
Every day, I contact them, I receive the same explanation : " We do not know why the refund hasn't reached you. We are escalating it with the team and will get back to you when we hear something back. We are sorry for the inconvenience. '' I explained to them that this goes beyond inconvenience and the I needed the money back immediately into my account, to no avail. 
I am afraid of reports which indicate that they have done it to others. 
I really ask for your assistance with this serious and urgent matter and your kind advice. 
Thank you. 
Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy case number XXXXXXXX XXXX XXXX  Bankruptcy case number XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXXXXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Product: Payday loan, title loan, personal loan, or advance loan

I over pay my RV loan every month. It is not much, but they are not crediting my account properly. At least I don't think so. Then after months I see the payment amount due drop down and I still pay the {$1000.00} every month, there is no extra principal applied, but they sure take the interest freely. I feel like I am getting XXXX  and I don't like it. My loan is over $ XXXX and I want to get it down asap, but MT Bank does not seem to be helping. I did reach out and they told me they can apply it however they see fit. I have the message exchange regarding that information. I just need to make sure this bank is acting in good faith and taking care of me in the proper way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report are old address that are not mines and I ask several times to remove those that are not associated with me and the refuse to do so. Then show the amounts saying owed and it's not suppose to so amount for anyone to see and know inaccurate information. XXXX, XXXX, as well as experion they are not even real credit bureaus with a .com at the end of their names in my opinion. They should be stop from doing this and putting wrong SS # on my account and linking them to me when ask to remove they say oh its your SS #.
Product: Credit card

Aspire Credit card. I was charged a {$41.00} late fee because they say my debit card for automatic payments is expired. When I go to the payments page, it shows my debit card expiration date as XXXX. I could not get a confirmation of a one time courtesy late fee waiver and am told I have to wait for it to reflect on my next statement. 

They have no problem accepting a {$160.00} payment last month with the same card, but when it comes time for the auto pay, the card is magically expired and I'm charged a {$41.00} late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

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 XXXX 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 XXXX 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 XXXX 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 codebtors. FDCPA I fail to see where XXXX XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXXI need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

the following inquiries were placed on my Equifax report and was not authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the following inquiries were placed on my XXXX report and was not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the following inquiries were placed on my XXXX report and was not authorize by me : XXXX 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: Debt collection

Company is reporting an inaccurate debt owed to them on behalf of XXXX XXXX   College. XXXX XXXX College has indicated no balanced is owed.
Product: Debt collection

In XX/XX/XXXX I learned that Capio Partners had assumed a dept of XXXX XXXX that was carried on its books as overdue. I had paid the debt via my XXXX account on XX/XX/XXXX and according to XXXX XXXX XXXX XXXXXXXX XXXX ) it cleared on XX/XX/XXXX. I provided XXXX proof of payment back in early XXXX. I never heard from them again. 

After learning that Capio was attempting to collect this already-paid debt, I contacted them and provided proof of payment on XX/XX/XXXX. I assumed that they had closed this out because I did not hear back from them. 

I am trying to apply for a mortgage today and learned that they placed a derogatory note in my credit report in XX/XX/XXXX and I'm unsure if it's before or after my note to them with proof of payment. I spoke with them today and they said they'd research my claim of payment. My response to them is that they should have done this earlier when I gave them proof in XXXX, and that they're getting in the way of me getting a mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX RE : XXXX XXXX XXXX and Filed 1099C Flagship Credit Acceptance is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by Flagship Credit Acceptance account number # XXXX was received from IRS. Flagship Credit Acceptance is inaccurate reporting income a certificate of indebtedness to my consumer report. I also revoke or rescind any security interest that I previously willfully given to Flagship Credit Acceptance. I also rescind any written, non written, verbal or/ and, nonverbal signature to share, transfer, sell or assign to non affiliated or CRAs my personal identifying information. I also revoke or rescind my signature on all written agreements. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a third party or credit.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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 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.
Product: Money transfer, virtual currency, or money service

Hello, I am filing this complaint against Cash APP ( Block , Inc ) due to insufficient customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platforms when they should have, leaving my account in a vulnerable state and unprotected. Also, their dispute resolution process was deceptive and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, I hope to seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding this incorrect account listed on my XXXX XXXX. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my XXXX XXXX  has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Product: Vehicle loan or lease

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbally and non-verbally per 15 USC6802-6805 effective immediately and indefinitely.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbally and non-verbally per 15 USC6802-6805 effective immediately and indefinitely. According to the Privacy act of 1974 and the companys own privacy policy my personal account information was not to given to a non-affiliate third party per https : //www.capitalonecenter.com/privacy-policy " Our site does not collect personal information about your visit to the Capital One Center website unless you choose to provide that information. We do not sell, exchange or release your personal information to parties outside Capital One Center, including, without limitation, Capital One Financial Corporation and its affiliates and subsidiaries '' However my reported to all 3 credit reporting agencies XXXX, XXXX, and XXXX Status Account charged off. {$12000.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
. Also per 16CFR313.7 ( the below applies to Capital One ) which they did not follow. Capital One also reported Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue that I hope you guys can help me with. I have reached out to the credit bureau numerous times and at this point I feel like I am being totally ignored. It all started when I noticed some unauthorized inquiries and account on my credit report. I then sent letters to the credit bureau and got no response, I then reach out to them by phone. I explained what happened and the agent told me that they can not remove anything from my credit report with out a police report, So I went and got a police report and sent it to them and still nothing. I then did a FTC report and sent that and I see some of the Inquiries came off but the account and some inquiries stayed on. then one day I am watching the news and I see XXXX saying they have been reporting the wrong information so I immediately go and check my credit and I see my score drop and the inquiries that came off back on and plus double Inquiries as well. the inquiries and account is as follow : ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried to dispute inaccurate information from my credit report. I have explained to the bureau that I have never lived at that address and accounts were opened fraudulently and to please remove the accounts.
Product: Credit card

I had made purchase from a seller on XX/XX/year>. I used PayPal Goods and services, PayPal claims to protect against fraudulent transactions. I also used my visa and PayPal Mastercard to pay the several transactions. On XX/XX/year>, I contacted PayPal immediately and they opened a case for me because the seller did not provide any tracking information and when I contacted her she said there was no items and no tracking and for me to open a dispute with PayPal. PayPal then opens the cases and asked for seller to provide tracking. She did not and I escalated the case. I spoke to PayPal and they said if she doesnt respond we will refund the entire amount. After 8 business days, after the ongoing case, PayPal closes my account and said they are no longer protecting me, after the fact. They should have said that from beginning I would not be protected using PayPal goods and services and also paying the their fee to be protected. I have all the proof that I was scammed by this person, I have contacted PayPal many times. I will have to seek an attorney if this isnt resolved. I am under a lot of stress causing me lose sleep and XXXX XXXX. I was fooled by PayPal. 
There were several tractions and they are as follows : I won one case for {$2000.00} the same seller and same situation and lost the other 4 because PayPal decided to close my account and they wont protect me in the other transactions. After I showed all the proof. 
{$6500.00} {$5000.00} {$2000.00} {$2100.00} {$3000.00} I called PayPal and they said because my account is closed even though I filed an appeal, they will still deny my case because PayPal closed my account. 

I have over {$20000.00} in my PayPal and they will not release my funds for six months
Product: Debt collection

It's been many disputes I've made on this account for Midland credit management through XXXX XXXX and XXXX and for some reason it's always been updated I believe that inaccurate information should be deleted off your credit report also I believe XXXX XXXX and XXXX should be fined .for letting inaccurate information exist. When i do send a dispute to XXXX and Midland credit the only thing Midland credit does is change my balance up a dollar or down a dollar and put it back as updated and it just makes my credit score go down they've been changing the amount I owe for years and it just goes back to XXXX XXXX and XXXX as updated. I have proof that they done this at least XXXX times just change my balance from up a dollar down a dollar. On a balance that can't be changed.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable Procedures to insure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) according to 15 USC 16815 ( 5 ) inaccurate or unverifiable information ( A ) in general after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

1. I made several advance payments while my loans were being serviced by Great lakes. I was on an extended graduated repayment plan and the majority of my loans were paid down in advance with no payment due until 2027. 

2. My student loan servicer was changed to Nelnet and all my advance payments from Great Lakes were not acknowledged with the transition to Nelnet and the XXXXXXXX XXXX XXXX. Upon approval of my XXXX XXXX on XX/XX/XXXX of this year, Nelnet requested immediate monthly payments in excess of XXXX a month without even reviewing my prior payment history from when the loans were at Great Lakes XXXX. Nelnet has forced my loan status into forbearance due to a problem that they created. Its not my fault that Nelnet did not review my loan history from Great Lakes during this transition. Nelnet says they are reviewing my case but they will not give me any sort of timeline for completion of the review. Nelnet continues to collect interest all the while. 

5. my payment history from Great Lakes has not been made readily available to me on the Nelnet website and the telephone operators with Nelnet also do not know how to access it. I think a student loan servicer should be expected to have reasonable history of all payments made from the life of the loan. The exorbitant loan servicer fees that are charged when the loan is originated cover expenses like this.