23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We filed for bankruptcy with about XXXX in student debt in my name. Despite payments being built into the bankruptcy plan and the fact that we fulfilled all of our payments my student loans increased by over XXXX to XXXX owed. 

I don't understand how this is fair at all. The reason we were in bankruptcy was to afford to pay off our debt. We paid about XXXX in total debt off during the course of the 5 year bankruptcy payment plan but then I got stuck with the same amount anyway. 

That can not be fair, can it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX BANK AND XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX BANK AND 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to XXXX negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within XXXX  days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance.
Product: Money transfer, virtual currency, or money service

Hello CFPB, Paypal permanently limited my account for no specific reason. They also held my money in my Paypal Account email address XXXX and Its been 180 days. My funds are still on hold and every time XXXX email or call them I get no solution at all for this problem. Would really appreciate your help. Thank you so much. 

Best Regrads, XXXX XXXX Paypal Account XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I routinely use XXXX to finance activities associated with my profession of a XXXX XXXX  where I have to purchase supplies to build a set on a XXXX  's income. I have set up several loans through XXXX. I also have had to take some XXXX XXXX time away from XXXX. I had some difficulty managing finances in XXXX, and XXXX  could not be paid due to lack of income. They reported each loan as it's own credit card to the credit agency. I have since come current with all these accounts and some of these loan 's are reported now as " closed. '' I have been regularly checking in with them to see if they update their system, they are telling me they update every 7 days. But they do not. I have regularly pulled information since XX/XX/XXXX and it is now XX/XX/XXXX and they're still using XX/XX/XXXX 's information to make decisions despite the fact that the reports do not seem to act quickly enough. The holidays are here and I had hoped that this account would simply recover and it isn't, they are not even updating information in a timely fashion that is part of their policies. This is predatory behavior. I was bated into believing this is one account, they then intern report to a credit agency and when I come current they are not interpreting their own reporting properly.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the unlawful and improper practices of XXXX, Equifax, and XXXX ( collectively referred to as the " Credit Reporting Agencies '' or " CRAs '' ) related to the illegal reporting of my transaction history. Below, I detail the specific issues and violations of federal law : I am formally opting out of any and all authorizations I may have givenwhether written, verbal, unwritten, or impliedfor the CRAs to share reporting of my transaction history Under 15 U.S.C. 6801, financial institutions and their agents are bound by an affirmative and continuing obligation to respect the privacy and confidentiality of consumers ' non-public personal information. Reporting transaction history without explicit consent violates this statute. 

Violation : XXXX, XXXX, and XXXX have engaged in the unauthorized reporting of my transaction history, which is illegal without my consent. 

Impact : This unauthorized action directly undermines the XXXX mandate for safeguarding consumer privacy, as outlined in the Gramm-Leach-Bliley Act and its supporting provisions under the FCRA Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX Unlawful Reporting of Charged-Off Debt as Income Under federal law, charged-off debts are considered income for tax purposes when reported to the IRS via a XXXX XXXX. However, income is not a permissible category for reporting on consumer credit reports under the Fair Credit Reporting Act ( FCRA ). The FCRA and related case law establish that consumer credit reports must only contain accurate and permissible information directly related to creditworthiness, not income classifications. 

Violation : XXXX, Equifax, and XXXX are unlawfully reporting charged-off debts as derogatory trade lines on my credit report despite their reclassification as " income '' under IRS regulations XXXX This constitutes a clear violation of the FCRA because income, especially income derived from forgiven debt, is not authorized for inclusion in consumer credit reporting. 

Supporting Legal Precedents : XXXX XXXX. XXXX ( a ) : Restricts the type of information that can appear on a consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emphasized that misleading information on credit reports can violate the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Highlighted the importance of accurate classification of debt in credit reporting. 
Impact : The misreporting of charged-off debt as a derogatory item when it should be classified as income causes severe harm to my credit profile and undermines my creditworthiness. Additionally, it subjects me to undue financial and reputational harm by inaccurately portraying my financial behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed that i was a victim of identity theft and information was used to gain medical services and personal financial gain
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries from XXXX and XXXX XXXX that Im unfamiliar with. 
Along with XXXX and XXXX running multiple hard inquiries Im not familiar with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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

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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number 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 fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 card or prepaid card

I made a phone call to Citibank XXXX XXXX, XXXX to close my account and pay off the entire balance. They confirmed on XXXX XXXX, XXXX that in order to close the account that day I needed to pay XXXX $ I payed that exact amount that day and they told me that my account would be closed. 2 months later on XXXX XXXX, XXXX I received a recorded phone call from Citibank saying that i was 2 months late on an interest charge they applied to my account the same night I closed the account XXXX XXXX, XXXX. I called them back to see what the issue was being that I had closed the account 2 months before. The first person i reached from Citibank said she had no record of me closing the account XXXX XXXX, XXXX and that it had remained open. I then asked to be transferred to a supervisor as i knew this was incorrect. After being transferred to the supervisor, they said they had found the notes on my account being closed but it was charged an interest fee that came the night of XXXX XXXX. They said i needed to get a subpoena to get the original call when I closed the account, that confirmed them saying they would close it if I paid the balance of XXXX XXXX which I did.
Product: Credit card

I ordered and obtained a {$500.00} secured credit through Bank of America to help bring my credit score up. My first minimum payment of {$25.00} was due on XXXX. I paid {$250.00} towards my balance on XXXX. The standard processing and posting time for a payment is two business days. I went to use my card at the grocery store today and it was declined. I called BofA and was told my available credit was {$1.00}. The rep informed me that the payment was received but has not been posted. She had no answer as to why this was. I then spoke with a supervisor who also had no concrete answer as to why the payment has not posted. My concerns are as follows:1. I did my part and paid my bill on time and I should be able to use my card. It is highly embarrassing and inconvenient to be told your card is declined when in actuality it should n't be. 

2. The account that I paid them out of has more than ample funds in it for the transaction to go through without any issues whatsoever. 

3. Are my funds in some type of holding account that B of A is drawing interest from? 

4. My biggest concern is that I initially a requested the card in an effort to bolster my credit score. If my balance is not at least 50 % of the total balance at the end of any reporting period, my credit will negatively affected. 

5. How many othe consumers are having to deal with this? 

6. What if I encountered an emergency and was unable to utilize my card? 

I beg you to assist me in resolving this issue. At this point I do not know where else to turn. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently Checking my credit report i noticed that i have been a vicitim of identity theft and found numerous credit inquiries i no knowledge of here arethe inquiries that i have found XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, please remove and dispute listed fradulent inquiries from my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my 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 confidentially under 15 USC 1681.

XXXX XXXX XXXX XXXX  All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$3200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$920.00} ; XXXX  XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

We purchased solar through XXXX XXXX which is a scam and they XXXX made us finance through dividend finance, we weren't given a choice, and the system we were sold under performs and dividend finance is aware and will not help us that just keep taking our money knowing we were sold XXXX that the are a part of.
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 XXXX XXXXXXXX, 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.

15 U.S.C 1666B : States 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: Debt collection

I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please 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 par
ties you are damaging my reputation and credit worthiness.

Under the FCRA 15 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 the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. Someone stole my identity to open a credit card with American Express. I did not know anything until one day XXXX XXXX XXXX, XXXX. sent me a letter that said that I owe American Express {$10000.00}. I called American Express but they already closed that account. For the first time, I figured out I can check the credit report from my XXXX account. Someone stole my identity, opened, and used the credit cards : American Express and XXXX. I filed the report with www.identitytheft.gov and filed the police report with the XXXX Police Department. I filed I sent both reports to American Express and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2020. I filed with XXXX, too and they resolved that credit debt. However, my problem is not resolved with American Express. When the police called me and asked me " do you want me to get a court order and ask these banks to disclose these accounts investigate this fault or do you just one to just want to get a police report ''. I thought these banks can solve my problems, so I just get a report. If American Express will not solve my problem, I will ask the police to get the court order to investigate this problem.
Product: Credit reporting or other personal consumer reports

In reviewing the attached credit bureau report issued by XXXX BUREAUS, I have discovered an error. The following accounts are reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX XXXX CO # XXXX XXXX Balance : {$780.00}.
Product: Credit card or prepaid card

On Friday, XX/XX/2020 my Wells Fargo business credit card was stolen. I called Wells Fargo immediately on the morning of Friday, XX/XX/2020 and reported my credit card stolen. The police department was called as well and a report was made. Given that both my credit card and California State Driver 's License were stolen - the report was considered identity theft. 

Although I promptly reported the theft of my credit card to Wells Fargo - Wells Fargo included a charge in the amount of {$1500.00} that was made on XX/XX/2020 in my XX/XX/2020 credit card statement. This is the first indication that I received from Wells Fargo that this charge is being considered a valid charge on my credit card. I did not make this charge. This charge was made after my credit card and driver 's license were stolen. This information was relayed to Wells Fargo - in addition to the police report details & police officer contact information. However Wells Fargo has not removed this charge from my statement and has denied my fraud claim and has not given adequate explanation as to why my claim has been denied.