23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

On XX/XX/2024, I received a notifications from XXXX stating my student loan has been updated. Mohela is reporting an increase however my student loans has been deferred. Also the balance of my student loans went from XXXX to XXXX. Moheala is now reporting that I owe then XXXX XXXX XXXX. They are reporting this to XXXX, when I contacted XXXX, they did confirm Mohela is reporting this mistake. This is a huge mistake. Mohela refuse to fix it. This needs to be address asap. This is an reporting error and Mohela refuse to fix it. How do I owe the XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX, I submitted a complaint before about my Zelle account is banned with no reason. 
I think you might misunderstand about what is happening and what I want.

Let me explain for you, I received an email that said I can not use Zelle anymore from XXXX XXXX XXXX  since I enrolled Zelle with them, and when I tried to contact customer service from both XXXX  XXXX XXXX and Zelle all they said is my information is banned, for no reason. They have no ideas why my account is banned. 
They told me to read the agreement and I after reading, I found that I didnt violate anything on the agreement. So the customer service who helped me said it might be a mistake. Yes I know this is a mistake. 
And the solution I would like you to help me is unban or unblock my account so I can use Zelle like normal.
Product: Credit reporting or other personal consumer reports

I am sending to dispute the following information and inquiries on my credit report. The details in question result from fraudulent activity and were not authorized by me. 

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

About an hour ago I paid a person Ive been talking to on XXXX for his account. He was supposed to sell me his account and when I sent the money he blocked me now Im trying to get a refund also I had him sign a agreement todays date is XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. Til this day, over 60 days later I have not received a repsonse yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within a 30 day time frame gives a reason to immediately remove those items from my credit report. It has been over 60 days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Product: Student loan

I am currently unable to afford my debt due to going through a divorce and not having decent employment. I am working as a waitress part time, trying to find a teaching job in the area. I am on government assistance for health care and food stamps and with my income situation, I can hardly afford rent to support myself and my daughter, let alone student loans at the same time.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
XXXX XXXX XXXX - Account # XXXX XXXX. XXXX - Account # 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I 'm writing to find out about the lawsuit against Freedom Acceptance. I am a veteran who was apparently sued in Virginia by Freedom Acceptance. I was the co-signer on an account for my ex-husband, but since they could not contact him, they froze my bank accounts until I made payment arrangements with them. I am still paying a debt that is n't mine. I just want to know if there is anything that I can do to stop this.
Product: Checking or savings account

US Bank denies claims for fraudulent withdraws from account. We did not authorize or make these transfers. Closed accounts after bank verified that phone number and address changed on accounts by someone accessing online accounts and accounts compromised. Indicates either someone hacked my account or that I gave my banking info to someone. Bank indicates that someone obtained log info to online account but refuses to cover fraudulent charges unless they know they are going to get their money back. Refunded the XXXX XXXX fraudulent transfer but not any other charges. Most charges went through the US bank app that partners and sponsors XXXX on their banking app. We did not make these transfers or authorize these charges. Bank states someone had access to online banking access, changed address and phone number so that we would not get alerts but denies claims. Requested claim denial documentation used to make their decision to deny refunding amounts but I am not sure what all the abbreviations mean or how to read. Nor can I understand how they acknowledge that online banking info was compromised and fraudulent and were able to refund a XXXX XXXX transfer because they were able to get their money back but refuses to recover other charges made through their US Bank App XXXX sponsor/partner. I do not have a XXXX account nor would I use one of these types of apps. Fraud was able to be transferred through US Bank due to partnership with XXXX. As well as a credit card advance in the amount of {$1300.00}. I did not do take out a cash advance on my credit card. I did not authorize or make any of the below charges. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank did return money due to they were able to get their money bank from XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company is Edfinancial. On their website, they said the could update a legal name change my simply uploading a legal document such as a passport that reflects the name change, and the would take care of it. I have done that several times since last year and it still hasn't been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These following accounts, addresses & employers have violated my rights : Account Name : XXXX XXXX Acct. # : XXXX XXXX XXXX XXXXXXXX XXXX  Acct. # : XXXX XXXX Acct. # : XXXX US DEPT. OF EDUCATION Acct. # : XXXX XXXX XXXX XXXX Acct. # : XXXXXXXX XXXX XXXX Acct. # : XXXX XXXX  XXXX Acct. # : XXXX XXXX Acct. # : XXXX These following Addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX These employers must be removed : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I started my investigation on my credit report back on XX/XX/XXXX. I submitted my letters to the credit bureaus and have attached a copy showing that I had requested to have the collection accounts removed. I had sent the information through priority mail next business day and they received it as of XX/XX/XXXX. I had also requested to have incorrect names and addresses removed from my report. TransUnion never responded to my initial claim, XXXX never responded, XXXX sent me a letter confirming the activity on my account on XX/XX/XXXX but never ran an investigation on my report. I sent a second letter asking to for an investigation to be completed back on XXXX XXXX, 30 days later. I got a letter from TransUnion on Monday the XXXX of XXXX saying they had completed my investigation and they had not seen fit to reopen the investigation. They have updated the results of their investigation to remove one collection account for XXXX. To date the other 2 bureaus have not removed anything. I had 4 collection accounts registered to my name ( XXXX, XXXX, XXXX XXXX, XXXX XXXX ). I also had incorrect spellings on my official names and in the letter I sent them it shows my official address that I have lived in for almost 4 years. I can verify the data they have on my names and addresses are incorrect. I have asked for statements or documentation proving the collection accounts are valid and have yet to get any data.
Product: Debt collection

California Account Services has been trying to collect alleged medical debt from me since XXXX for multiple accounts and there are still XXXX remaining on my credit report. Notification was never provided in accordance with state and federal laws. According to the Fair Credit Reporting Act, Collection Agency Accounts can only remain on a persons credit file for 7 years from the date of first delinquency. Although California Account Services purchased the collection accounts in XXXX, they are both too old to remain on my credit report. 
Date of First Delinquency : XX/XX/XXXX Account Ending # XXXX : Date Assigned to Agency : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Ending # XXXX Date Assigned to Agency : XX/XX/XXXX Account Ending # XXXX is too old to still be listed on my credit file. 
Account Ending # XXXX needs to be removed on XX/XX/XXXX Creditor refused to assist and told me to hire an attorney to resolve these issues. Without explanation they are charging additional fees each month regardless of the fact that I have reported the egregious activity several times in the past XXXX years.
Product: Vehicle loan or lease

The lender sent me a service court document of repossession of the vehicle. Go to abandonment where I never abandoned vehicle, and I kept all payments up today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have this account updated with experian, but they are still incorrectly reporting this loan. Although I filed for bankruptcy in XXXX, this auto loan was paid in full instead of being excused in that filing and I own the title for that vehicle free and clear from XXXX as of XX/XX/XXXX. 
XXXXXXXX XXXX  Account number XXXX I have attached my title and lien release for that vehicle from XXXX  when it was paid off.
Product: Credit card or prepaid card

XXXX application approved XXXX sent out XXXX XXXX  as a card was never received. 
XXXX states a card was mailed XXXX XXXX XXXX XXXX  as a card was never received. Asked them to cancel account and remove from credit report completely as the account was never opened and/or activated. She states the account will be shown on my credit report even though it was never activated. This should not happen. It was fraudulent on the companies behalf in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

name that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address is not right : XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX NO ADDRS XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY sen wrong : SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong numbers ftc violations : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX no spouse : Spouse or Co-Applicant Select as many as apply XXXX employer wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under Trafficking according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from XXXX and Equifax. 
XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXXXXXX XXXX {$860.00} -XXXX XXXXXXXX {$1400.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft.

2. **Section 611** : Provides the right to dispute information in my credit file.

3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided.

4. 15 USC 1681 Section 602 states I have a right to privacy.

5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

6. 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business.

If you can not verify the debt, please remove this off my account for the THIRD TIME!!!

According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.