23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Account Name Department of EducationXXXX XXXX Account number XXXX, XX/XX/XXXX, {$600.00}. 
Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, XXXX Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, {$2200.00} Account Name Department of EducationXXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX, {$880.00} Account Name XXXX Account number XXXX, XX/XX/XXXX, {$2300.00}. 
Account XXXX XXXX XXXX XXXX. Account number XXXX. XXXX XXXX, XXXX. {$14000.00}. Charge off. 
Account XXXX XXXX XXXX XXXX. Account number XXXX. XX/XX/XXXX. {$27000.00} Charge off. 
Account XXXX XXXX XXXX Account number XXXX. XX/XX/XXXX {$4400.00} Charge off. 
Account XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$1600.00} charge off. 
Account Name XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX XX/XX/XXXX, {$14000.00}. 
Account XXXX XXXX XXXX XXXX, Account number XXXX, XX/XX/XXXX, {$110.00}. 
Account Name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX, XXXX XXXX, XXXX. {$490.00} Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX. XXXX XXXX, XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX, XXXX XXXX, XXXX {$670.00} Account Name XXXX XXXX XXXX XXXX account Number XXXX, XX/XX/XXXX, {$4800.00}. 
Account XXXX XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX, {$630.00}. 
Account XXXX XXXX XXXX, Account XXXX XXXX, ) XX/XX/XXXX, {$80000.00}. 
Account Name XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$400.00} Account Name Family Support Division, Account Number XXXX, XX/XX/XXXX, {$17000.00}. 

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: Money transfer, virtual currency, or money service

I recently moved from XXXX FL to XXXX FL. I submitted an application to XXXX XXXX to roll my 401K into an IRA account. I then updated my address to reflect my current location. Apparently, the address change caused XXXX XXXX to freeze my account for 15 days, advising that I could not take any actions on my account until XX/XX/2017. I called and asked what I needed to verify in order to process my rollover, but they refused to accept any verification. If they are going to take such drastic measures with customer accounts, at the very least there should be a way for customers to unfreeze their accounts over the phone. Also, when changing my address online, I should have received a notification BEFORE submitting my change request stating that the change would cause my account to freeze for 15 days.
Product: Credit reporting or other personal consumer reports

dear Credit Bureau : XXXX XXXX XXXX XXXX is the Chief Financial Officer at the Trans Union LLC i, XXXX XXXX XXXX XXXX living XXXX are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. per the Uniform Commercial Code, ( UCC ), many notifications, and no rebuttals in affidavit under penalty of perjury caused the default judgments put upon them.

i need all credit scores recorded by Your Agency of the ALL CAPS NAMES ABOVE to be corrected and the record cleared. i discovered the identity theft put upon the copy-written from birth. ( see non-UCC-1 and TRADE NAME ) I had no way of signing my name on any contract or agreement. this is perpetual Fraud an Identity Theft. i, XXXX XXXX XXXX, entitled owner and Power-Of-Attorney-In-Fact have claimed the above ALL-CAPITAL-LETTER-NAMES, and SSNs created by the State Registrar. the STRAWMAN, OR LEGAL FICTION created under the CESTUI QUE VIE ACT IN 1666 and UNAM SANCTUM is now held in Trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made two complaints in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information about them, and the company did them without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX my last four of my ss # XXXX Date : XX/XX/XXXXConsumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX To whom it may concern, I have been having a problem with TransUnion credit reporting. I have been working very hard to rebuild my credit score and my XXXX credit card is  a secured one they are looking at my credit for many things to turn my secured card into an unsecured card. This problem that has been happening with my one credit card XXXX XXXX XXXX. For the 1st three months everything has been correct XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. Than I have been paying attention to my monthly updates and all of the sudden they stopped updating XX/XX/XXXXand XX/XX/XXXX and started a dispute with TransUnion as they said XXXX XXXX stopped sending them report monthly onXX/XX/XXXX. I had a printout from them showing myXX/XX/XXXX balance of XXXX which was correct. All of the sudden onXX/XX/XXXX I found out the balance changed to XXXX after many phones call many difference people who kept saying XXXX XXXX reported to them the balance of XXXX. Which was false finally I reached 2 supervisors one did fix my balance her name was XXXX and the other that was going to help before XXXX took over was XXXX. She fixed my balance to XXXX on XX/XX/XXXX. I only found out FridayXX/XX/XXXXagain the balance went back up to XXXX. TransUnion has been claiming XXXX XXXX is not reporting and XXXX XXXX resend my full history to them on XX/XX/XXXX plus they said they never got the disbute from TransUnion done onXX/XX/XXXX even as of today (XX/XX/XXXX ). TransUnion today told me they were fixing the balance again to XXXX. But the last time XXXX told me she had to get there IT dept. to fix this. Today also now TransUnion is saying to tell XXXX XXXX to contact their marketing dept. to have them fix this issue. But XXXX XXXX said that is not the problem. The following documents are attached : My letter to TransUnion Dated XX/XX/XXXX ; My credit report page from TransUnion from XX/XX/XXXX( which shows my balance of XXXX and 3 months of history ) andXX/XX/XXXX showing again the balance of XXXX inXX/XX/XXXX. My XXXX XXXX page showing my balance XX/XX/XXXXwith XXXX. My Statement with XXXX XXXX XX/XX/XXXXandXX/XX/XXXXwhich shows opening balance of XXXX fromXX/XX/XXXX. <P/>Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate date on last payment.Last payment was made on XX/XX/2015 but creditor has reported XX/XX/2015. 
Reporting credit company has no done sufficient investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan from XXXX was paid in full after trading the vehicle in. XXXX received the payoff amount on XX/XX/2023. The credit report from Experian still shows account as open, as of XX/XX/XXXX. I filed a dispute with Experian on or around XX/XX/XXXX. They verified with the lender who said the account is still open and not paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to list accounts which the lender has told me they are reporting on. I have attempted to reach out to Experian, however, there is no dispute process which accounts for this particular issue. At the moment, their response has been exceptionally vague about how credit reports can be affected by a variety of factors. No specific information about why the accounts are not listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed dispute letters to XXXX, Experian and XXXX  and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

MOHELA.STUDENTAID.GOV, IS SERVICING MY STUDENT LOAN. I DROPPED OUT OF SCHOOL XXXX OF 2024. I HAD STARTED MAKING PAYMENTS LAST YEAR. WHEN I SUBMIT PAYMENT THRU AUTOPAY, THEY RECEIVE THE PAYMENT JUST TO REFUND MY PAYMENT BACK INTO MY ACCOUNT, THEN MAKE MY ACCOUNT PAST DUE WITHOUT NOTICE. I CALLED MOHELA SEVERAL TIMES THROUGH OUT THE WEEK, DIFFERENT TIMES AND THEY HAVE A XXXX XXXX WAIT. I EMAILED THEM AND NO RESPONSE. IVE READ ONLINE THAT SEVERAL STUDENTS BEEN HAVING THE SAME ISSUE.
Product: Mortgage

I pre qualified for a XXXX loan from wells fargo on a home loan. The house appraised out at XXXX the XXXX mortgage is XXXX, leaving me with XXXX in equity. I am XXXX years old with a credit rating of XXXX. I was jumping through hoops and can document why for this loan. I was ultimately denied because " I do not have enough in savings '' I know it has to be age related. I feel discriminated against ... because anyone with common sense would know that XXXX XXXX still leaves a considerable amount of money on the table.
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 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. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Liberty Aquisitions in XXXX XXXX somehow sent a court order to my employer to garnish my wages. Says debtor is XXXX XXXX and XXXX XXXX, Last known address is XXXX XXXX. Judgment entered XXXX XXXX XXXX. My name is XXXX XXXX but there are probably XXXX XXXX XXXX 's in the country. I do n't know who XXXX XXXX is, I have never lived in XXXXXXXX, I moved to XXXX XXXX from XXXX in XXXX XXXX, not XXXX. This is Crazy. How can they garnish my wages because I have the same name?? I called and they said my social does not show up anywhere. I have nothing on my credit report. Have n't been sued, have n't been notified, just a court ordered garnishment. Do n't know what to do. Ca n't believe collection agencies can do this to anyone. it 's just crazy.
Product: Checking or savings account

charges were going through and the bank kept adding late fees when it said money was there but wasnt. even the tellers confirmed wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Product: Vehicle loan or lease

Toyota is in process in placing me in collection and repo my XXXX XXXX XXXX that I purchased on XXXX XXXX at XXXX, California XXXX Dealership. 
Toyota Finance Services knows very well that I am XXXX XXXX  and Retired and on a fixed XXXX Retirement Pension in which my XXXX Income is protected under Federal Government Laws. 
Document Courts of California State and Federal XXXX document was provide it to Toyota Financial Services via emails. 
I am unable to refinance my Auto loan with another financial institutions because my credit has derogatory remarks and credit scores are very low with XXXX  and XXXX, there is charged collections on my credit reports and Bankruptcy Chapter XXXX on my XXXX  and XXXX  credit report. 
I am not able to pay {$480.00} a month. I am able to start paying {$300.00} to {$350.00} on XX/XX/XXXX as my financial Hardship has been devastated my family and Finances during Covid19 Pandemic issues. 

Also on XXXX XXXX XXXX XXXX pulled my credit without my written Consent and Authorization for Extensions of Payment in which on XX/XX/XXXX, no pull credit was conducted and Extensions of payments was implemented without pulling my credit with XXXX, XXXX  and XXXX. 
XXXX XXXX has violated my Federal Privacy Act by seeking my private information and to destroy my credit. 
Why did XXXX  and other credit reporting agencies allow XXXX XXXX to pull my credit without authorization. 
XXXX XXXX used my written authorization of credit pull for XXXX with the old credit pulled on credit purchase of XXXX XXXX and sent it to XXXX , XXXX  and XXXX  so they can have access to my credit file for XXXX. 

XXXX XXXX is Retaliating and Discriminating against me because my Federal Government file complaints against them. 
They are also Discriminating and Retaliating against me because of my National Origin as XXXX American XXXX and XXXX Status in which this is a Violations of my XXXX XXXX Civil Rights Act under Department of Justice. 
I have alerted US Senator XXXX XXXX on issues of XXXX XXXX and will be sending a letter to President Joe Biden and US Vice President XXXX XXXX and Members of Senate and Congress on Retaliation and Discrimination and Retaliations against XXXX  Military Veterans in California and America.
Product: Debt collection

This is the 2nd time I've reported on this company. This time the debt is paid in full, but still being reported and lowering my score. When I've tried to call the company, but there is no answer. I've tried several times before contacting you. The original debt was about {$4000.00}. Ive contacted one of the credit bureaus to file a complaint for the second time. Im contacting this company for the second time as well. This was paid off  through their site on XX/XX/XXXX. Its still being reported to my credit
Product: Credit reporting or other personal consumer reports

I discovered mistakes on my credit report under 15 USC 16c-2. There are hard inquiries that I did not permit, and they are damaging my credit. Please delete these unauthorized entries.
Product: Money transfer, virtual currency, or money service

PayPal has PayPal Credit service which is handled by Synchrony Bank. As an option for the purchase over {$100.00} they offer deferred interest option for 6 months. But when you pay more than minimum payment due they apply extra money to this deferred interest part of the account, which has 0 % interest for 6 months, while regular part has more than 25 % interest. Obviously, it is a violation of the law requiring to apply payment to bigger interest balance first. I have called them once and they immediately adjusted payments re-applying it to the standard part. However, next time they apply the payment again to the deferred interest balance. Attached is my XXXX statement demonstrating how they adjust payments I have made. I also attached XXXX statement showing how they apply my payment to the deferred balance while expiration date was XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/year> Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX  XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) CB Indigo - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX  XXXX  XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX  xxxxx XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX  xxxxx XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX  XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX  XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

I was offer free medical assistance for a year but soon as the year was over I was billed even for appointments I didnt make it to. It was sold to a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/ 2018 I sent letters to XXXX, Transunion, XXXX and XXXX XXXX asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.