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

This is my fourth 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 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

XXXX XXXX XXXX XXXX made me pay them directly in order for them to release my transcript so I could transfer to XXXX. XXXX wasnt even accredited for my degree at the time which was also misleading. 

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. As a matter of fact, all of these schools I went to were investigated by Department of Education. Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX and my Fed. loans of approximately {$80000.00} were discharged and my credit repaired. My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. I am aware that XXXX was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX  's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to " select '' students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to " prove '' anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online " for profit '' colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online " for profit '' schools NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX SELF-REPORTED XXXX Balance : {$60.00} UTILITY SELF-REPORTED XXXX Balance : {$140.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not let me get my credit report because I'm sure they have had fraudulent activity on my credit in which I have filed a claim against them and I need the copy of my credit report for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit profile over a year ago an inaccurate public record was reporting that I disputed immediately with supporting documents and mailed via certified mail to Transunion. I also disputed the public record with the data furnisher XXXX after Transunion advised me of that in writing. XXXX has since deleted the public record from their profile ( I have a letter from them as proof ) this letter & a letter from the courts they stated " provided the the info '' was mailed also stating they DO NOT report to the credit bureaus was then mailed to Transunion via certified mail yet they continue to refuse to investigate the disputed item & to remove it. After receipt of this a rep from Transunion stated they do not remove items from letters from consumers & that it would need to come directly from the furnisher, ( tracking # to TU XX/XX/21 delivered XX/XX/21 # XXXX ) therefore another letter was sent to XXXX via certified mail XX/XX/21 delivered XX/XX/21 ( tracking # XXXX ) I keep receiving letters that state " they do not have to review the item & to send addt info to support my dispute '' & I send new addt docs & proof that NO other bureau is reporting this public record. Another certified letter was mailed XX/XX/21 per tracking the letter was received by Transunion on XX/XX/21 ( tracking # XXXX I have more ) yet I received the same letter dated XX/XX/21 that I have been receiving for the past year. Basically, in less than 48hrs someone reviewed the NEW docs that was mailed that I have copies of and generated a letter that I received today XX/XX/21? It is clear that they DO NOT review nor verify the items they are reporting on a consumer 's report nor do they review the supporting docs they request you to submit to validate the request. I have tried to contact them via phone and was left on hold for 2hrs & 20 mins ( I have screenshots ). Please help as I feel they are in violation of the FCRA. Thank you for your time.
Product: Student loan

I was contacted by a representative from Performance XXXX in XX/XX/XXXX regarding consolidating my student loans. During this conversation, I was under the impression that the XXXX/month payment for the 36 months was going toward my student payments. It was not until I received a packet of information for XXXX that I discovered that was not the case. During the initial phone conversation with the Customer Service Representative I reiterated the XXXX/ month payment would go towards the student loan balance. Throughout the conversation the Representative told me yes that it would be going towards my balance. I then reached out to Performance XXXX after speaking with XXXX. I asked to have my contract terminated with them. I was told by the Supervisor XXXX that I was not allowed to terminate my contract until he reviewed the phone conversation. I called the next day to touch base with him regarding the situation, and was told he was in a meeting, and he would call back before the end of the day. I never heard from him until I called today ( XX/XX/2017 ). Through our conversation today, he explained the process once again, and we both agreed that there was miscommunication on both ends. He also stated that he did n't want to loose my business, as I was considered a valued customer. I told him that I would go over everything that we spoke about, and that I would be contacting XXXX again, and that I would call back and talk to him later today. I called him back today and explained that I still wanted out of my contract because XXXX has more options that meet my needs. At this time he is still forcing me to pay the XXXX, and will not terminate my contract. At this time, all I want is to have my contract terminated with Performance XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted XXXX regarding discrepancies in my credit report. Despite my efforts, I have not received a response from them to date. The following details the inaccurate information and the necessary corrections : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  This account is not mine, and I request its removal from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Original Creditor : XXXX XXXXXXXX XXXX This account is not mine, and I request its removal from my credit report. 

XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX This account is not mine, and I request its removal from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} This account is not mine, and I request its removal from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I made a purchase at a truck stop in XXXX XXXX, XXXX  early on XX/XX/XXXX. I paid with a Bank of America card [ last four digits XXXX ]. I then drove to the interstate and began driving to XXXX, XXXX. Sometime mid-morning of that same day, I received a fraud alert from BOA. 
I pulled over in the town of XXXX, XXXX and called the number. A representative, a man, looked at the charges and attempts to use the card. After determining it was not physically possible for me to have made the charges, he told me he was cancelling the card, and that I would not be responsible for the charges. [ {$260.00} on XX/XX/XXXX at  XXXX XXXX XXXX ]. 
( I called the manager of the store : he used security recordings to find the activity. He may well have been a co-conspirator as his answers seemed very vague and strange. ) XX/XX/XXXX I received a denial letter. The letter stated that the charges had been made using the chip on my card. They stated the card would have to had been present to make the charge and I obviously made the purchase. Not true. Wasn't there. 
XX/XX/XXXX I made a call to BOA and talked to XXXXwo fraud adjusters. I was told they were sorry but it was obvious I had made the charges since the chip had been read. I told them " someone is ahead of the curve/better technology '' : I was not present, did not make the charges, was in fact several hundred miles away. They still denied it.
Product: Credit card

I was vacationing in XXXX and got a notification on my phone that there were suspicious transactions on my Citibank card. I called the day of the phony transactions and said they were not authorized but thought they were linked to an online transaction that I felt was sketchy and that I may have given them too much info. 
I attempted to make a purchase on XXXX  at XXXX and I received no online invoice until XXXX 
I then was suspicious that the site XXXX was a scam because they wanted access to XXXX for the amount of {$79.00} ; the amount that was authorized by me for camper parts. I do not have an active XXXX account and I waited hoping nothing would happen. I suspect they were hoping to get even more identity data from me by going to XXXX. 
On XX/XX/XXXX three fraudulent charges appeared on my Citibank card from a company called, XXXX XXXXXXXX XXXX XXXX, XXXX ( if you try this website it does not work/exist ; 1 Charge : {$48.00}, 2 charge {$130.00} ; 3 Charge : {$170.00} = {$360.00} ). 
I then received a letter on XX/XX/ from Citibank claiming that I authorized these transactions and that I would have to reach out to the merchant and Citibank told me the website XXXX is a valid website to contact. It is not! 

XXXX is located in an apartment complex at XXXX XXXX XXXX XXXX XXXX doubt it is real and I refuse to have any contact with them. 
I know I was scammed by them, I was trying to buy a rare camper part and they likely sold my information to someone who made the fraudulent charges on XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I dont remember the exact date it happened but I previously had a cash app account. I reached out to cash app customer service due to noticing money was missing from the account that I didnt authorize. I explained to them that I didnt authorize these charges and their customer service told me that I did and I wasnt getting the money back.
Product: Debt collection

My monthly payment increased from {$310.00} to {$320.00} ( I'm not able to pay unnecessary increases in mortgage payment ) due to my fixed income, Social Security. 
My original agreement with XXXX XXXX they would refund my overpayment at the end of the year, but, Select Portfolio Services inc. keeps the overpayment. I have spoken to them by phone twice and they said they would reduce my mortgage if I pay them {$100.00} On Thursday XX/XX/2023, I spoke to XXXX and I paid {$50.00} of the {$100.00} which he said I owed {$56.00} left then my new payment would be {$310.00}. XX/XX/2023 XXXX I paid XXXX XXXX the phone {$58.00} at which time XXXX said my new mortgage starting in XXXX would be XXXX confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these accounts from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my requests. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX & XXXX XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX  XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Product: Debt collection

I requested debt validation never received any information. 
The original debt was with XXXX XXXX Debt was sold to Jefferson capital systems acct # XXXX I dispute this debt XXXX XXXX  ok Wrote this debt off as a loss for tax purposes & reported to the IRS as canceled debt. This debt is no longer valid. Please refer to internal revenue code IRC section 6050p & fair credit reporting act FCRA section 611 which supports my dispute
Product: Checking or savings account

On XX/XX/2021 i received a letter response on the XXXX  site after i filed a complaint stating that an investigation concluded that i was not eligible for full amount of the proceeds received and the account was closed on XX/XX/2021. The funds in the amount of XXXX will be returned to the SBA instead of amount of XXXX which was deposited on XXXX XXXX. On XX/XX/XXXX, when i spoke to customer care i was informed XXXX was sent regardless of what letter said. The sba states they have not been returned anything. So my first issue is what specifically was returned and second when. Because the information given doesnt match.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and XXXX. I filed a dispute with both XXXX and XXXX to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT INQUIRIES THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I acknowledge the efforts made to eliminate some fraudulent entries from my file stemming from alleged fraudulent activities, yet there remain items requiring immediate removal. In a renewed effort to dispute these entries in my credit file, I am submitting an Identity Theft Report # XXXX. In accordance with the mandates of FCRA section 605B ( a ) ( 1 ) ( 2 ), the removal of any entries from my file identified as resulting from alleged fraudulent activities is required within 4 business days following receipt, given ( 1 ) suitable proof of my identity; ( 2 ) a copy of the identity theft report. The detailed list of items yet to be removed includes : EXPERIAN : XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Please be advised of the XXXX deadline for the removal of any entries from my credit file identified as the result of alleged fraudulent activities. I explicitly decline the use of E-OSCAR or any automated verification processes. I request that the results be forwarded to the address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is nine years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

Experian, XXXX, and XXXX XXXX are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations
Product: Debt collection

I hope this letter finds you well. I recently reviewed my credit report and noticed a discrepancy regarding late payments from XXXX XXXX XXXXXXXX XXXX XXXX. I believe there has been an error.
Product: Debt collection

My name is XXXX XXXX This is not my name XXXX XXXX XXXX another family member XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX This is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. It is essential that the mentioned accounts and details not be reported on my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that these accounts and information be promptly deleted and removed from my consumer report to rectify this violation of the law. Please take immediate action to remove these items. Thank you.