23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. 
ACCOUNT NAME : XXXXXXXX XXXX  ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
They are illegally reporting.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. These companies are stalling as much as they can ... .. ( copied from the AffiDavit attached ).
Product: Checking or savings account

On XX/XX/23 Cash App closed my account without giving me any of the refunds I requested and didnt tell me why. So I closed that account and made a new one. They say my deposit limit is {$4000.00} and I havent even added {$200.00} to that account yet it blocks me from adding or sending money. They allow scammers to use their app to steal money from people and dont do anything about it. Im starting to wonder if they are part of the scammers stealing peoples money.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$320.00} XXXXXXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$3600.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3600.00} XXXX XXXX XXXX Charge-off {$11000.00} XXXX  XXXX Charge-off {$5500.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Checking or savings account

In XX/XX/XXXX, a fraud was committed against my husband and I. The Hacker got into my husband 's online account and transferred XXXX dollars from his credit card to our personal account, where they then used our checking account to purchase XXXX $ worth of items from XXXX in Florida, several states away. We did not become aware it was fraud until a few days later, when the charge appeared on our statement and went to close the account. The account was immediately close, new cards were issued and new accounts issued. A claim was sent to the Fraud dept. to look over. They denied that it was fraud through the dept. 4 separate times, each time siting incorrect reasoning for denying the claim. I have been calling into the department no less than three times for each claim, so 12 multi hour phone calls have been used to try and get to the bottom of this issue. Each time I am told that I will be getting the XXXX $ back because it was stolen and it has now been over 10 months. Every time I call, I am told that they will fix the problem and that the previous person was misinformed.
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. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX Account # XXXX XXXX has violated my rights. XXXXt Account # XXXX XXXX had violated my rights. XXXX Account # XXXX XXXX has violated my rights. XXXX Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : DEPTEDXXXX  # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$7400.00} Account Name : DEPTEDXXXX XXXX XXXX - DATE OPENED XXXX BALANCE {$4100.00} Account Name : DEPTEDXXXX XXXX XXXX - DATE OPENED XXXX BALANCE {$6200.00} Account Name : DEPTEDXXXX # XXXX - DATE OPENED XXXX BALANCE {$6500.00} Account Name : DEPTEDXXXX  # XXXX - DATE OPENED XXXX BALANCE {$6800.00} Account Name : DEPTEDXXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3000.00} Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Checking or savings account

I called Capital One due to my account being closed and they stated my remaining funds would be sent via check. The IRS sent my income taxes of {$1000.00} and they still have not sent my check its been about XXXX  months with NO information provided as to why my account was closed or why they have not sent out my check. I have since then been evicted from my home which Ive expressed to them that I needed my funds. I have called multiple times and no one can seem to help or tell me why my account is being investigated this has cause so much stress and been a huge inconvenience. The customer service is terrible Ive been searching on XXXX and see that some people have not received their funds until XXXX  years later which is complete non sense that we have to make a formal complaint to receive our hard earned money. XXXX  a mother of XXXX with nowhere to stay now.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today XX/XX/2020 I received a harassing voicemail from a so called XXXX XXXX from a proceeding office phone number XXXX called and said she is going to locate me and file a lawsuit against me. Told me I cant hide from her and she will keep calling. Mind you this is a third party that bought this debt from ACE Cash express so I called ACE CE instantly after, spoke with XXXX, who was polite and said she is sorry for what this third party is trying to do, she went on to say its a scare tactic, further more she said to ignore it. This was for a loan of {$240.00} She said she will notate my call and to block that number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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: Student loan

failed to correctly apply payments to accounts, steered struggling borrower into paying more than was owed, hurt the credit of XXXX borrowers
Product: Debt collection

Several accounts on my recent credit report appear to be unauthorized and incorrect ; I ask for their immediate removal and blocking.
Product: Credit reporting or other personal consumer reports

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized XXXX. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.
Product: Vehicle loan or lease

On XXXX XXXX, 2017 the loan was paid in full never having had a late payment. I received notice that the loan was paid in full with an over payment of {$320.00}. A refund check would be sent within 30 days. I have tried to call and see where the refund for the over payment was and have been told by several Santander employees that the refund was sent by XXXX. I do not know what XXXX has to do with it, but my agreement is with Santander. The refund has never been received.
Product: Debt collection

I have not been given an opportunity to submit a written dispute. Refused to email the XXXX to me.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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

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 XXXX XXXX XXXX 
I do not authorize none of these transactions. I do not recognize any of these hard inquiries. 
I also have one collection that I would like to be removed as well. 
XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These is a bill that I had paid and it shows as a collection on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I received my consumer report and notice there are some Hard Inquiries that I did not authorize, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Pls Remove Inquiries 15 U.S. Code 1602 - Definitions and rules of construction According to ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Debt collection

ENHANCED RECOVERY COMPAN 11 XXXX Is trying to collect a debt from XX/XX/XXXX. They have open an account on XX/XX/XXXX on my credit report stating I open a new account. I have not open any account with XXXX in XX/XX/XXXX. I have disputed this on XXXX and the collection agency stated is refusing to delete from my records. I have no knowledge of this account and want it taken off.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year> security freeze
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have requested my Transunion annual credit report via the internet through all resources provided by them. They refuse to allow me to obtain my credit report via the internet. I have also reported erroneous information on my Transunion Credit Report. I have called about this previously to no avail. This has been going on for years with no response from Transunion Credit Bureau. If the information is not corrected and Transunion will not allow me to obtain my Transunion Credit Report via the internet I have no further options other than to move forward to Attorney General and other Attorneys in this scope.There are no alerts or anything else set up that would refute myself from obtaining my credit report via the internet.
Product: Credit card

I was a member to Citi Bank Credit card, since XX/XX/XXXX member with a credit limit under {$30000.00}. After I lost my job in XX/XX/XXXX I got in touch with the credit card company and asked for help. I was told that I do not qua qualified to receive any help from the credit protection plan, even though I have been charged for a credit protection plan without my permission. 
My account was Illegally charged for so many dollars for so many years. I tried to solve this problem with the Bank through phone calls and letters. My first letter was sent to XXXX XXXX dated XX/XX/XXXX my second letter was sent to Citibank/card services XX/XX/XXXX and my recent was sent XXXX XXXX to XXXX . 
XXXX Credit Management Department. The latest contact that I had was done by phone calling the on the back of my card which is XXXX, After I gave them my name and the credit card number I was told that I was calling the wrong bank, the was the last time I tried to in touch with the bank.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX informed me via email that they had not received my rent check for the month, which is {$2200.00}. I did not see this email until the evening of the XXXX and called TD Bank to confirm that the check I issued had been cashed. Checking my online bank account I confirmed that the check had been cashed but the image of the check showed the check was not endorsed. TD Bank confirmed that the check was not endorsed and should not have been processed by their payment system. 
On the morning of XX/XX/XXXX I went to my bank branch, XXXX XXXX, XXXX XXXX XXXX XXXX, and filled out their " Affidavit of Forgery : Forged, Counterfeit, Altered or Stolen Check ( XXXX ) & Unauthorized Withdrawals '' form, closed my account, and opened a new account with TD Bank. 
On XX/XX/XXXX I was informed I should return to the bank to sign TD Bank 's " Affidavit of Payee Claims Non-Receipt/Missing Endorsement ''. Both documents were notarized at the bank. I informed the US Post Master General that the check was stolen from a mailbox and opened a case #. I have spoken to TD Bank XXXX Fraud Resolution department several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about the return of my money and was informed TD Bank could investigate the fraud for 120 days from the time of the reported fraud. This is unacceptable as TD Bank is fully at fault by cashing an unendorsed check. I need this money for a surgical procedure and have informed TD Bank of this to no avail.
Product: Student loan

I've seen no changes for the accounts that I have filed last month, I still see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

Have 6 transaction in one day, but only enough funds to cover 5 transaction, But chase charge me 3 overdraft fees ( which the agent told me was the max they can charge for the day ). They said they processed the largest transaction first, but the largest transaction will not cover the funds available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX, an account opened at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulentitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: 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 1666A 1666B 1666C 1666D 1666E and 1666F. XXXX XXXX XXXX XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise.

I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Student loan

Hello! I am a " graduate '' of XXXX ( XXXX location ). I graduated in XX/XX/2010. The school was XXXX of the worst experiences of my life. It started on my first day, during orientation, found a forged signature on a document that I 'd never seen. I had my life threatened multiple times, teaches threatening to not let me graduate due to a little facial hair stubble, among many other things .... its hard to explain how terrible this place was. Lies everywhere about post-school work, pay, and life. The school is now gone, closed, and was a pointless +- {$32000.00}. I graduated with a little piece of paper and a huge debt. XXXX colleges has gone away, and so has any credibility of me going to XXXX. I 've paid all but about {$5000.00} of my school loans. There have been multiple reports on loan forgiveness and loan reimbursement. The non-federal loans are paid off due to the 18+ % interest. The {$5000.00} left is for the federal loans. I 've never missed a payment, and have tried VERY hard to make ends meet with this debt. The private loan company is Genesis Lending and they told me to contact you. Their loan amount was around {$13000.00}. I need some help here, XXXX Colleges fraud has null and voided any meaning of me going to XXXX. The school/my " training '' is just a big joke to employers now. Thanks for reading this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent dispute letters to XXXX transunion and XXXX regarding inaccurate and unknown things on my credit report, also I attached an ftc report # XXXX it's been over 60 days and I still have no response to these inaccurate/fraudulent accounts being reported.i informed them that Im a victim of identity theft and to remove the following accounts ( 1. ) self account # XXXX balance of {$170.00} ( XXXX. ) grain account # # XXXX balance of {$63.00} ( # 3 ) .opensky acount # XXXX balance of {$1400.00} ( 4. ) XXXX XXXX  account # XXXX balance of {$26000.00} and iqdata international account # iqdonxxxxxxxxxx balance of {$5300.00} its been over 60 days and they are stil reporting these aforementioned accounts.i am attaching the ftc report as well as the identity theft Affidavit.
Product: Credit reporting or other personal consumer reports

( XXXX ) According to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), accurate and fair credit reporting is essential to the banking system. The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. I have complete control over what appears in my consumer report, thus this is a breach of my privacy. It would be deemed identity theft if any accounts were reported without my explicit agreement.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 apply here.