23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX at XXXX I received an alert on my cell phone that a large purchase had been made on my debit card. I immediately contact my bank as this was an unauthorized transaction. They needed to transfer me to the debit card fraud department, I was disconnected during the transfer. I immediately called back and had to wait XXXX minutes on hold, during that time another unauthorized purchase was made on my account which I believe would not have happened. When I finally spoke with the representative, they were rude and disrespectful - accusing me of trying to commit fraud. They explained the process ( incorrectly ) and then they did nothing to begin this process. As it was a pin number transaction ( I have the card in my possession ), they told me it would be longer to get the money back. After waiting several days for them to send me the paperwork which required me to respond in a short time frame, I immediately sent the paperwork back along with the police report that I had filed. The documents I signed state one practice, the representative on the phone states another. There is inconsistency to when they will give me back the provisional funds. Now my automatic payments out of the account are not going through, even though I made sure there was money in this account. I ca n't seem to get anyone to give me the same answer twice. It seems as if they are intentionally holding the money even though it is clear that there was fraud on my account. There were false comments put on my account, such as I was traveling which was untrue. They told me to go to a bank to get the documents faster but when I got to the branch they could not help me. It seems as if they are intentionally giving me a run around. On top of that, I am not convinced that a bank representative could not be working with the criminals. I received an email the day after my claim was sent that said I should be using the new card that I received. I had not received a new card since XX/XX/XXXX nor does the bank claim that a new card went out. It makes me wonder exactly how they were able to obtain a duplicate card and pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX purchased a car from XXXX XXXXXXXX XXXX XXXXXXXX was the contract servicer. XXXX XXXX sold car loan to XXXX XXXX in the Month of XX/XX/2023. XXXX XXXX is still showing an open loan on my consumer report. If the loan was sold, It should show paid as agreed & or updated to be removed from consumer report. 
XXXX XXXX is reporting old payment history from XXXX XXXX that is incorrect. I did not sigh a contract with XXXX XXXX so how is it possible for them to report payment history from another company. 
How can XXXXXXXX XXXX report payment history from another car company.? 
I have also sent a Notice of Rescission : rescinding my security interest. I was not given the Notice to Rescind at the time of signing the contract with XXXX XXXX 
XXXX XXXX was a credit transaction which means I can fill certain tax document to fulfil debt obligations. a 1099 C for cancellation of Debt because it is over {$600.00} ; and it is a bad debt. I have sent both companies a 1099 A- and 1099 C with no response. these forms have been filled with the IRS. 
XXXXXXXX XXXX also just pulled my Experian credit profile without my permission. 
XXXX XXXX  have been notified to stop reporting until this dispute is resolved. 
I also asked to XXXX XXXX of reporting to my consumer report.
Product: Student loan

I have requested a School Misconduct Discharge Application multiple times since XX/XX/year>. However, Navient refuses to send one and states that it will not even consider my application if I did submit one. I have valid claims of misconduct by the institution - and am also included in the XXXX v XXXX settlement- but they refuse to consider them because of the institutions non-profit status. This violates the promissory agreement and the Holder Rule- as these loans would not have been obtained if it were not for the institution 's misconduct and the misconduct of Sallie Mae ( now Navient ).
Product: Mortgage

I have made principle payments multiple times. Frequently, these payments have been applied to interest and future payments instead of principle. I have called repeatedly and have taken to writing PRINCIPLE on the payment slip and using highlighter pen so there ca n't be a mistake in the intent of the extra payment yet it is still not applied to the principle balance. Over and over again. The payment slip is not confusing, there is a box for Principle and this is what I use. This issue has occurred multiple times. My statements are misleading, showing very large interest payments - twice what they should be. This same mortgage company did n't pay my insurance and taxes from Escrow funds and refunded me the balance. I was the one who pointed out their error. This occurred XXXX consecutive years. I am so frustrated that I am refinancing so I do n't have to deal with them any long. Complete incompetence and repeatedly. This begs the question what else are they doing incorrectly that is n't so easy for me as a consumer to identify. Could my interest charges be inaccurate, could my balance be inaccurate ... ..
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. 


Account Name XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 seven years.

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

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization ccounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX Date open______XX/XX/XXXX__________________________________ Account Number XXXX_______________ Reason for dispute_IDENTITY THEFT_ Account Amount ___XXXX____________ Account Name__XXXX____ Date open_______XX/XX/XXXX_____________________________ Account Number_XXXX__ Reason for dispute__IDENTITY THEFT___________________ Account Amount_XXXX_________ Account Name XXXX Date open_______XX/XX/XXXX______________________________ Account Number__XXXX__________________ Reason for dispute__IDENTITY THEFT______________________ Account Amount XXXX_________________ Account Name_XXXX XXXX______________________ Date open______XX/XX/XXXX_________________________________ Account Number__XXXX_____________________ Reason for dispute__IDENTITY THEFT___________________ Account Amount__XXXX__________________
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX  OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Paypal has now made it their policy to issue Paypal Debit Cards to all persons with a Paypal Business Account, automatically, without consent from the account holder. This was explicitly described to me by  a person at Paypal who was assisting me with cancelling the debit card opened in my name, against my Paypal business account, by Paypal, without my consent.
Product: Debt collection

I writing because I pull my credit on XX/XX/XXXX found out about this collection from MIDLAND CREDIT Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter MIDLAND CREDIT they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. Be aware that I am making a final goodwill attempt to have your clear up this matter.4 ) If your office failed to obtain all documents requested in validation, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries 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, credit repair services, or other personal consumer reports

I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Transunion regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with an Agent. I advised him that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Transunion is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       XXXX   XXXX   XXXX   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, credit repair services, or other personal consumer reports

Capitol One electronic billing system stopped sending out bills last summer. They did not contact me in writing until after they issued a negative credit reporting from Capital One after the accounting billing was corrected and paid. Capitol One refuses to correct the record for my account XXXX and continues to report late payments when nothing is due. 

I submitted a written request by Certified Mail to Capitol One for the lack of current billing and account information provided by Capital One and they should have made the correction to remove the negative record last XXXX and they still have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX investigated XXXX or XXXX XXXX a credit card which I defaulted on several years back. After I defaulted, I settled and paid {$120.00} as a post settlement payment in XX/XX/XXXX to stop credit reporting. 

In XX/XX/XXXX, I worked a second settlement with XXXX XXXX that this tradeline would be removed from my credit reports through the XXXX in the Ohio Area. ( See attached letter ) Experian which investigated my dispute and determined a different second of facts which are totally erroneous. They determined that the card was in good standing up until XX/XX/XXXX and then there was a charge-off. How the circumstances have changed that this now happened I have no idea. 

First step is submit an second investigation. When you submit a second investigation, Experian prevents you and asks you to upload additional documentation justifying why it is justified. I uploaded the documentation, however, no confirmation number was provided and when I followed-up I was told by the agent they did not receive document I uploaded throughout their dispute portal through experian.com. This is by the far the easiest way to dispute an item and was the means by which I initially challenged the item the first time. 

Thus, when I spoke to the agents all three times, I contacted Experian I was repeatedly to told I need to upload through a website called : www.experian.com/upload. You can't upload documents through here. However, no matter how I uploaded the documents, pdf, scan, jpeg, color, non-color, I get error messages, timeout, etc. ( I have included the error messages. ) Experian makes this impossible. 

To mail Experian requests you to include three forms of identification which is understandable, but once again this is a dispute, which if the form worked online or if the investigation was handled correctly would not require such extensive documentation. Likewise, a subjective and arbitrary review of the documentation could lead to request being denied by an Experian employee. ( Cover Letter document is attached. ) When obtaining credit - time is of the essence and any inaccuracies on your credit report leads to a denial of credit is a denial of liberty. I am seeking a business loan and this keeps happening. 

XXXX same problem. I can't get access to their online portal. You call them, they can't tell you why you can't get access and you need to mail everything in. You mail the documents in and then you can't a letter saying they can't verify your identity when you are disputing something on your credit report. I could have authenticated myself if I can get access to my online dispute portal, but no one can provide me with the number to that dept or tell me why I can't dispute my items online. This is why it is necessary to constantly involve the CFPB. It is incredibly annoying and a waste of time to involve a third party when it is unnecessary, but they respond to a governmental entity this way.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$980.00} MIDLANDCRE - XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$930.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7900.00} XXXX - XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$190.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS 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. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX, NM XXXX XXXX XXXX XXXXXXXX NM XXXX XXXX XXXX XXXXXXXX BALANCED {$4000.00} XXXX XXXX BALANCED {$15000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX BALANCED {$340.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 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 items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX