23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

K on XX/XX/XXXX i bought a net spend prepaid card to make my car payment i activate it tried to process it it was declined multiple times. I then tried to make a instore purchase it also declined. I paid XXXX cash on the card and wasnt able to access my funds. 

I called the company to see what was happening. First came up the automated system saying my card still had a ballance of XXXX. So i got to a representative they asked for my information i gave it and they said oh i see this needs to be sent to our second leval representative funds are on hold and we can't do that for you. 

So im transfered and they said yes mrs XXXX your funds are on hold to verify your information and release your funds you are required to send us 3 forms of id and a copy of your social security card. Copy of my drivers license my birth certificate and another photo id which i had a passport I said no i want my funds and my card should be working just fine i activated my card as i was instructed. 

Then they said well we cant do anything for you untill you submit your information. Then the conversation was over. 

I called back several times being told the same thing from other representatives. I recorded one conversation and filed a complaint with the FTC. 
Who said i needed to file with you to get this handled. Still after a month of no response or help i called the FTC directly and told me to contact consumer finance. XXXX : XXXX video recording
Product: Student loan

For several years I was getting the run around from XXXX and their underwriters office changing my repayment plan and its amount, not forwarding correspondence to me regarding my loan, not returning my emails and answering my questions and concerns as a loyal borrower and repayor of the student loans. From XXXX to XXXX XXXX refused to put me on an income driven repayment plan and increased my loan repayment amount without reason when they finally did put me on an XXXX XXXX XXXX. Close to {$20000.00} in payments were received by XXXX from myself during the time period they were my lender. XXXX has since removed all my account login capabilities to review statements and documents pertaining to my repayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to Equifax last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX XXXX developed one credit model called " XXXX '',  XXXX  developed the " XXXX '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : XXXX XXXX Lack of substantial credit history - XXXX Recently opened auto loan account or no auto loan on report - XXXX XXXX XXXX Age is XXXX and average number of months trades on file is 120 Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. XXXX Months since most recent credit card opened is 25 to 36. XXXX None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX What if
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. The fraudulent inquiries I have found : 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. 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 fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

Last year they let my ex husband cash 3 checks forgery my signatures and wont do anything about it I was on the account are there this has left me in a hardship
Product: Student loan

I am currently enrolled in school and this information has been submitted to Fed Loan. I am not currently delinquent in payment, and payment is not due until 2025.
Product: Credit card or prepaid card

I opened a secured card with Regions with a {$300.00} deposit. The money was held in an account separate from the credit card. Back in XXXX the card was automatically upgraded to an unsecured card. I was notified about this change via letter. The actual change from secured to unsecured occurred in XXXX and when I called I was told that a check was mailed on the XXXX. I called again around XX/XX/XXXX and  was told that the check has 30 days to reach me and it would not be reissued until after that time. I called again on XX/XX/XXXX XXXX  I was told that they have no record of the {$300.00} that was being held. I have statement that show the account with the {$300.00} however that account is no longer available on my profile. I've spoken to a few different people and there has been conflicting information given to me. The last time I spoke with someone I was told a ticket would be opened and I would receive an email by XX/XX/2021. I haven't heard from anyone and the credit card side does not seem to know what I am talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Acct. XXXX Midwest Recovery Systems report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted Midwest Recovery Systems, LLC verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe Midwest Recovery Systems LLC. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section 807-8 and Defamation.
Product: Vehicle loan or lease

I was instructed by a Chase Bank representative to get a refinanced auto loan quote by following the step by step guide found online. 

I completed the application and was notified that I had been approved for a {$14000.00} dollar loan for a used car for a near by dealership? 

None of the information is accurate and not even close to what I wanted. 

I was never given an opportunity to approve the rate or loan amount. I can not cancel the loan application and have a 'hard inquire ' on my credit report now.
Product: Checking or savings account

On several occasions, I made attempts to reach out to the company Cash App, and no one would ever answer the phone and my card will be frozen and I can not access funds on multiple occasions, and the company also would charge outrageous prices to transfer funds from App to my bank Once they force me not to use my ATM cash app card!
Product: Credit reporting

To whom it may concern : This is to let you know that TransUnion has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is XXXX to XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( TransUnion , XXXX & XXXX ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
TransUnion should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, TransUnion is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. TransUnion has failed to do so. TransUnion has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, TransUnion should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against TransUnion for FCRA violation and character defamation ( all of which have materially damaged my life including increased insurance charges and inability to secure a job ). 
I have attached a document that includes commentary directly from XXXX XXXX XXXX XXXX XXXX confirming that they have misrepresented the first date of delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING THE YEAR XXXX, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since XXXX, on numerous occasions almost every month, I have filed disputes after disputes to XXXX, Experian and XXXX Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with XXXX 2.  XXXX  XXXX XXXX {$6000.00}. with EXPERIAN & XXXX 3. XXXX XXXX XXXX XXXXXXXX {$4000.00}. with EXPERIAN I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.
Product: Credit reporting 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 items 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/block any accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Hi my name social XXXX XXXX With complain is from m & t bank I have 80 years hold I have loan for a truck This bank I have late fees this bank take reposition my car when my Daugher call This bank sai XXXX Ok I ready for pay she is call back this bank nexday.total XXXX Is more XXXX my daughter XXXX please can you explain what more XXXX XXXX I not can give more informacin I have audio, I need Gelp I one person hold what happened Need explication they bank only renspond you pay all total XXXX or pick you have any pertenency personal on you car
Product: Debt collection

According to law 15 USC 1692c " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting or other personal consumer reports

My personal identity was leaked twice in a data breach. The first occurrence was on XX/XX/XXXX, and I received a letter informing me of the incident on XX/XX/XXXX. The second occurrence was on XX/XX/XXXX, and I received a letter dated XX/XX/XXXX. 

Since then, numerous attempts have been made to open credit cards and loans under my name. I contacted the individual companies on each occurrence, reported fraud, and placed a freeze on my credit file on XX/XX/XXXX. Disputes I've made over incorrect addresses, phone numbers, accounts, etc. on my credit file ( s ) have been denied by XXXX and Transunion on multiple occasions. A recent dispute I filed with XXXX XXXX Transunion to remove an additional account under my name ( used fraudulently ) was denied. This is not acceptable ; I have been subject to identity theft on at least two occasions.

I have attached extensive records to support this complaint. Included are the letters originally sent informing me of the two separate data breaches. I've attached a police report that lists me as a victim of fraud on page five of the attachment. Portions of my credit file ( s ) with the fraudulent account ( XXXX  ) & inquiries still included are attached. Finally, I will include identity theft report ( s ) filed with the FTC.
Product: Debt collection

I have disputed over and over again they telling me I cant dispute it anymore
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent a letter from XXXX claiming that I owe them {$80.00}. When I called them to report that the debt was not mine and that it was a case of identity theft, they were not trying to resolve this issue. They then placed the debt into a collection status on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX and XXXX XXXX to XXXX balance, and all credit reporting agencies are not reporting that I paid these accounts to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charged off account on my credit report with XXXX XXXX. This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. XXXX is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. Experian is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and XXXX and Experian refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but XXXX and Experian hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX  but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.
Product: Debt collection

MIDLAND CREDIT MANAGEMENTHAS NOT REMOVED NEG INFO FROM MY CREDIT PROFILE ALTHOUGH THEY ARE UNABLE TO SUPPLY ME WITH PROOF OF OWNERSHIP, ORIGINAL CONTRACT, AND CORRECT BALANCES. NEG INFO CONTINUES TO BE USED ULAWFULLY AGAINST ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was never notified about this debt prior to it being placed on my credit report the first or second time. I reached out to the company in late XXXX of this year asking them to validate the account. The account was removed in XXXX however it has been added back without notice and with a higher balance than before which is illegal and a violation to my rights as a consumer. I would like for this account to be removed from my report and I would like a statement from the company acknowledging the removal. I was not aware of this debt prior to the original placement I've given this company for over 60 days and still no proof of the account. I am providing proof of the inaccuracy in reporting amongst the three credit bureaus, the difference in the balances currently, as well as the letter sent to Hunter Warfield
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.