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

On my fourth endeavor i would like 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. These are the items i am complaining : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 Day Late XX/XX/XXXX - 30 Day Late ; XXXX/XX/XX/XXXX XX/XX/XXXX 60 day late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 an 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
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX Amount : {$6900.00} Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a third party this is XXXX XXXX XXXX complaint. I XXXX XXXX XXXX did not give your consumer reporting agency written permission to include fraudulent information on my consumer report which is in violation of 15 USC 1681b- ( a ) ( 2 ). Based on my research I found out this is a violation under FCRA and that Identity Theft happens everyday and as a consumer I never benefited from the goods received. This fraudulent " XXXX '' account must be deleted immediately. Pursuant to 15 USC 1681 c-2 subsection ( a ) block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt of such agency. This request was NOT made in error. Its been more than 30 days and you as the Consumer Reporting Agency you are in VIOLATION of this law because I am a victim of Identity Theft! BLOCK AND DELETE THE FRAUDLENT ACCOUNT THAT I HAVE NEVER BENEFITED FROM THE GOODS. 

ACCOUNT : XXXX
Product: Student loan

XXXX called me on my cell phone and left a voicemail saying they were " returning my call regarding student loan forgiveness. '' They called on XX/XX/XXXX and XX/XX/XXXX in the afternoon. I called the number suggested : XXXX on the XX/XX/XXXX at XXXX XXXX, since I had recently inquired about the teacher loan forgiveness program to my loan service provider. 
I called and was transferred to XXXX XXXX of the National Student Aid Care program who said he could help me register for the Public Service Loan Forgiveness Program until I could qualify for the XXXX  Loan Forgiveness Program. He knew about both programs extensively, my exact loan amount, my interest amount, how many loans I had, my current monthly payment, and that I had recently come off of income-driven repayment. 
He asked to verify my identification by sending a 6 digit code to my email address, so I went to that email ( which he knew ) and read him the code that was sent. I later realized that email was a request to reset my password on my Federal Student Aid account. He changed my password after the phone call. He asked about my address, income, family size, mom 's number and address, aunt 's number and address, and many charming, personal questions. He sounded very knowledgeable and helpful. 
He said he could get my loan down to $ XXXX/month for 4 months and then $ XXXX/month for 120 months until my loan would then be forgiven if I had served as a teacher for that time. The monthly payment would change as my family size did. Interest would also not accrue during this period. He said he needed an account and routing number from my bank to have on file until I could get him my mom 's new account info. He knew what bank I was a member of. 
It was not until I was in the midst of signing and reading an e-contract sent to me that I realized the {$790.00} of the first four payments would go to him and his company, not my loan balance. Then, when asked if I could talk to my mother before finishing signing, he said I should go ahead and sign because I could cancel the program at any time. 
I was not comfortable with this, looked up the number, and realized it had to be a scam. 
I have filed complaints with the Federal Student Aid program, report this to my loan service provider, frozen my bank accounts, changed my Federal Student Aid information, added a verbal password to my loan account, and put an initial fraud alert through XXXX. I will also contact my local police and see if any further steps need to be taken. 
Please DO NOT hesitate to contact me for further information. I have all of the supposed addresses/numbers/faxes of the company/man, and I have the emails he sent to me.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and i haven't received any investigation results.
Product: Student loan

Hello, I XXXX XXXX XXXXXXXX XXXX XXXX XXXX during the years of XXXX. During that time, I took out federal student loans and private loans to progress through school. The loan process was an absolute nightmare, where I would be regularly pulled from class and forced to sign more loan paperwork without consulting my parents, and if I didn't comply, I would not be allowed back to class, where I would miss time and inevitably fail the class if I continued to miss time. If I remember correctly, it was about {$400.00} per credit, and my classes were not accredited either so I couldn't transfer fundamental courses from a XXXX XXXX not even for XXXX XXXX XXXXXXXX. I was flat out forced to sign my name on loan documents and pressured about failing my classes if I didn't. As you are probably aware, there was a class action lawsuit ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which I am a XXXX XXXX There is also the Borrower Defense to Repayment which I applied. I have had my federal loans cancelled through this program and XXXX excruciating years of followup and diligence between me and thousands of others through organizing, protests and speaking to reporters. I have yet to see any refund for my payments made, but I am patient, I can continue to wait. 

The real issue is this : my private loans, and so many other XXXX XXXX students with private loans. Most of us had to take out more private loans than federal loans to get through this school, our XXXXXXXX XXXX and XXXX wouldn't cover our tuition, not even half. We were lied to about the total cost of our programs, and forced to continue to take out more loans with very high interest rates. I submitted a complaint about my private loans which were originally through XXXX XXXX, which became XXXX, and after about 7 years of payments, my loan interest rates keep climbing until it reached over 7 %, I want to say it was just under 10 % for about XXXX. I was never going to get out of this making {$16.00} an hour outside of my field, and I was forced to refinance my loans through FirstMark Services. 

My loans through this college, whether they are private or federal, are loans owed to XXXX XXXX, preying off XXXX people trying to better their lives by XXXX XXXX XXXX The courts have found cancelling and refunding federal loan payments to this school to be justified due to their well documented criminal history of scamming and defrauding people, I asked FirstMark Services to look to do the same. They are refusing to cancel these loans. I am reporting this company again, because this is an obvious answer. I should not have to pay loans for this predatory college, even the United States government agrees.
Product: Checking or savings account

I was paid for work I did. Deposited the check then the account was closed after the money cleared. I was sent. Copy of the check which was I was unable to cash at any other financial institution.
Product: Debt collection

Collection is reporting date wrong. The account was closed in XXXX or XXXX. Its reporting opened in XXXX but is not true. I am unable to locate any documentation saying when the account was closed through email or mail. I am also unable to log in to my account through rise credit.com. Im needing documentation stating when the account was closed.
Product: Credit card

I have a Bank of America Travel Rewards Credit Card. Under this Card, I earn points on purchases for travel ( hotel, airfare, food, etc. ). I also am able to redeem points earned against these types of purchases at a higher ratio of points to dollar than for a statement credit. 

I had a recent stay at a small hotel in XXXX ( XXXX XXXX XXXX XXXX, MO ). I also have approximately XXXX points that would equal approximately XXXX XXXXXXXX in credit against this hotel stay. I have been advised by Bank of America that the hotel stay is not eligible, but no further explanation as to why. An escalation agent surmised that the rewards for hotels are used against larger chains ( XXXX, XXXXXXXX XXXX ). However, the rewards program is not presented that way to the public. 

This is a XXXX violation by Bank of America. I'm attaching screenshots of the " How it works '' section of the website. As shown, it appears to be very straightforward that credits can be applied to, XXXX. First, use your Bank of America Travel Rewards card to pay for travel and dining purchases - flights, hotels, vacation rentals, and more, as well as restaurants and takeout. 
XXXX. Then, redeem points to cover the cost of all or part of your purchase. 
XXXX. Receive your reward as a statement credit to your Travel Rewards card. 

There is not a limitation of hotel size or type, and my purchase should be eligible for the full value of the travel credit against the balance owed. 

It is clear that this is a hotel/lodging that should be eligible. I want Bank of America make this stay eligible for a travel credit.
Product: Credit reporting or other personal consumer reports

These accounts are obviously in violation of the law. They are reporting inaccurate information 's on it and is missing on the other bureau. This is a clear violation of : 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

The account XXXXXXXX XXXX XXXX XXXX XXXXXXXX is missing on XXXX and the dates reported are all inaccurate across the 2 reporting bureaus. While XXXX XXXX : XXXX is not reporting on TransUnion and the Balance, No. of Months ( terms ), Last Reported, Comments, Date Last Active, Date of Last Payment are all inaccurate.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my disappointment regarding the recent permanent limitation that was imposed on my PayPal account XXXX I strongly believe that this action was taken in error and I would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or terms of service. As a responsible user, I have always ensured that my account is in compliance with all applicable regulations and requirements. Therefore, I was surprised and shocked to learn that my account was permanently limited. 

Secondly, I would like to request that PayPal re-investigate my case and provide me with the opportunity to demonstrate that my account activity was legitimate and in accordance with PayPal policies. I would appreciate it if you could provide me with any information or evidence that led to this decision so that I can fully understand the situation. 

Thirdly, I would like to kindly request that my account be restored if it is found that the limitation was placed in error. I have been a loyal customer of PayPal for many years and have always trusted the service. It would be greatly appreciated if my account could be reinstated as soon as possible. 

Lastly, I would like to confirm that the email address associated with my account is XXXX. I hope this information will assist you in identifying my account and resolving this matter quickly. 

Thank you for taking the time to consider my appeal. I look forward to hearing back from you and resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft JPMCB AUTO Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.
Product: Checking or savings account

I can not use my checking account and every time I call customer service they say my account is handled by a different department. For the last 4 monthes I am not able to reach that department and that department does not communicate with me so I can understand why I hve limited access to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Removal of Incorrect Charge-Off Information Dear XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT Account Number : XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The entry in question, reported as a charge-off, does not accurately reflect the nature of the account. 

The debt in question should be classified as income rather than a charge-off. According to the IRS guidelines, when a creditor cancels a debt, it is considered income, and a Form 1099-C ( Cancellation of Debt ) should have been issued for me to report this as taxable income. As such, this is not a debt but rather income that should not be reported on a credit report. 

I kindly request that you investigate this matter and remove the incorrect charge-off entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only accurate information is reported. Since this entry is inaccurately classified as a charge-off, I urge you to correct or remove it promptly. 

Please notify me of your findings and any actions taken to resolve this matter. I appreciate your attention to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a personal loan from Wells Fargo on XXXX XXXX 2012. I set up automatic payments to be deducted from my account for this simple interest loan with amortization. The total amount of the loan was {$12000.00} at a rate of 16.454 % and my loan payments were {$290.00}. The interest rate was supposedly given a discount because I was already a Wells Fargo customer and part of the arrangement was that I was required to set up automatic payments to be deducted from my bank account on a monthly basis until I completed payments on the full term of my loan. The loan length was 60 months. I started to receive phone calls this month from Wells Fargo with a very vague voice message being left just to contact Wells Fargo several times a day but I thought it might be a scam so I hesitated to answer until a few days ago. I answered because the calls are we coming quite bothersome and more frequently. The person on the line stated that I owed money on a personal line of credit. I told them I should not owe anything and that was not mine because I had a personal loan but the payments were automatically deducted from my account so there 's no way that I could have owed a balance. The gentleman stated that the last payment was not deducted because the amount deferred then the usual payment amount and that I was to have contacted the company to make arrangements for payment. So I contacted Wells Fargo and spoke to several departments finally ended up with the executive department and filed a claim stating I should know anything because they responsible for the deducting the automatic payments on a monthly basis which was part of the agreement when I sign the contract to obtain the loan. I reviewed my contract and it was not clear that I had to make a payment for my final payment and I complain to the company that I felt defrauded because now they were charging additional fees because I had supposedly been late with the payment and I explained again that the arrangements were they were to to deduct the payments for my account. I 'm not trying to get out of paying money that I owe but the seams and unfair practice to me to squeeze me for more money when they could have simply deducted the when they could have simply deducted the final payment as had been arranged but now have sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a total of 3 inquiries on my EQUIFAX credit report that I did not authorize. The first inquiry is from XXXX on XX/XX/XXXX, the second inquiry was on XXXX XXXX on XX/XX/XXXX, the third inquiry XXXX XXXX  on XX/XX/XXXX. I've contacted all 3 financial institutes with no resolution to the issue.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX