23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV has 2 accounts on my credit. I have been telling them on numerous occasions my credit and entire identity has been used for several things and those accounts ate not mine. I have several police report and complains. 

XXXX XXXX the car loan nit mine. 
XXXX NOT MINE XXXX LOAN WAS SUPPOSE TO WAIVE FROM SINCE XXXX WHEN I TURNED IN MY MEDICAL. 
I work for XXXX XXXX and got into a car accident. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can not work.
Product: Vehicle loan or lease

Failure to provide accurate amount of refund. The refund amount should reflect from the time I started my XXXX XXXX time, XX/XX/2019.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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

I was alerted in XXXX or XXXX that a XXXX XXXX  loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX, we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, Sallie Mae was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my XXXX XXXX decreased by XXXX points. I was under the impression that Navient will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Someone made up a business using my name address and ssn on XXXX trying to get a Business Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX  XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I hope all is well during these unprecedented times. I submitted a dispute letter concerning inaccuracies on my report on XX/XX/2020. I did not receive acknowledgement on the matter. To my understanding the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. The inaccuracies on my credit report are severely effecting my credit score. I understand we are in difficult times but these inaccuracies must be corrected. Thank you & God Speed.
Product: Credit reporting or other personal consumer reports

I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I routinely check my credit report, and everything was fine before, but this time, there were sudden discrepancies. I even refreshed my browser, thinking it might be a technical glitch, but the errors remained. I am now requesting that the documents Ive provided be carefully reviewed to resolve this issue so I can feel at ease about my credit report again.
Product: Debt collection

XXXX, XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account CONTINENTAL CREDIT CON. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the collection posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/2021 Balance : {$120.00}
Product: Vehicle loan or lease

I paid off a loan with Ally Bank on XX/XX/XXXX via electronic payment. The funds were immediately taken from my checking account. When reached out to Ally to inquire about receiving a lien release letter, I got no response. I reached out a second time the following day via social media and was told someone would reach out within 24 hours. I still received no response. I then called on Monday, XX/XX/XXXX and was read very vague statements about the process. " It will take about 10 days to process payment '', " it will take about 7 to 10 days to mail the release ''. I reached out on XX/XX/XXXX, which was 10 days after the payment was initiated and spoke to a representative that told me it would be faxed on that day. It did not come on the XXXX, so I called again on the XXXX and spoke to XXXX, a supervisor and was again given vague dates. " Need to wait a couple more days for processing ''. This is a process that takes less than an hour in a branch and I have been waiting nearly two weeks. I have expressed my frustration and keep getting the same response from Ally. I would like specifics on when the release will be sent to me and how ( I prefer fax or email ). I am not given the grace of a range of dates for payments and if someone is 1 day late they are assessed a fee. The same standard should be applied when a contract has been satisfied.
Product: Credit card or prepaid card

I have made several attempts since the year XX/XX/XXXXto make U.S. Bank aware of my difficulties in pying off my credit card, but for the most part, U.S. Bank has ignored my efforts to contact them which is truuly unfortunate becuase I have the feeling U.S. Bank is  stringing me along to make their Bill larger. I previously had made the mistake of engaging XXXX  XXXX XXXX in XX/XX/XXXX hoping XXXXr XXXX would assist me by contacting U.S. Bank and other creditors ( XXXX XXXX, XXXX ... ) but they did not contact U.S. Bank. XXXX XXXX XXXX ( a real disadvantage to unwitting consumers so I learend ), wilfully neglected to call U.S. Bank to inform them of my difficulties, I had lost my employment in XX/XX/XXXX after working for the same Employer for almost 20 years ( I filed an age discrimination, gender discrimantion Human Rights Complaint locally in New York ), my beloved Mother in Law of 35 years was diagnosed with XXXX  XXXX in XXXX, XXXX, and saldy, she died two months later on XX/XX/XXXX. I was her XXXX XXXX. My Wife previously had XXXX XXXX ( part of her intestines were removed ), and she suffers from severe XXXX. U.S. Bank does not respond to my telephone calls and letters previously sent to them. They behave high handedly, and smugly ignore my pleas. I am at a loss at what to do becuase I want to settle the account with U.S. Bank, but they must be reasonable, and realisitc. I do not owe {$5000.00} and I pray U.S. Bank will ackknowledge this since they over inflate their interest rate so that people like me pay a King 's Ransom in very high interest, and never finish paying up. I seek your assisitance to garner U.S. Bank 's attention. I am acting in good faith, seeking to settle my account ending in XXXX. I am not absocnding on my obligaiton becuase I am an honorable person.
Product: Debt collection

I was unaware that this debt existed. When I contacted the company it took almost a week to find account and then when explained it was opened against my knowledge. They became very cold and rude. I told them I didnt open the account I never had them as a service and never had the phone number associated with that carrier they were collecting for.

15 U.S. Code 1692c ( c ) " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. INQUIRIES :XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX at XXXX XXXX, I contacted XXXX XXXX XXXX. I spoke to XXXX. XXXX identification number is : XXXX. I called to ask why I was getting phone calls about my account going into default. I had an agreement with XXXX on XX/XX/XXXX at XXXX XXXX XXXX ( ID:XXXX ) to pay {$150.00} to bring my account up to date. XXXX stated I had until XX/XX/XXXX to pay the XXXX dollars. I agreed to do so. My bank states XXXX XXXX received and cashed my check on XX/XX/XXXX. When I talked to XXXX she claimed the check hadnt been recieved or applied to my account. I told her about my bank reporting the check being cashed. She again reiterated that they hadnt recieved any money from me, and asked for another {$150.00} to secure a good faith payment and to keep my account from going into default. I reported I did not have another XXXX dollars to give her. I also asked XXXX to stop calling my friends and family and disclosing my debt to unauthorized persons, and to stop calling me after XXXX XXXX  and before XXXX XXXX. I reported that it was illegal to harass me and to call after XXXX XXXX and before XXXX. I also reported it was illegal for her company to disclose my information to friends and family members without my consent. XXXX reported they were within their legal limits to do so. When I reported the Fair Debt Collections Practices Act, XXXX began to back pedal and claimed XXXX XXXX and its employees have not disclosed my information to friends and family. I replied by saying, interesting, and that my friends and family members are reporting otherwise. Contact with XXXX ended after that conversation.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, i have noticed that there are many discrepancies on my credit report. 

The FCRA states that i must be provided verification of the debt any company reporting information on name. 

A statement is not sufficient to prove a debt belongs to an individual. In todays time, when there can be personal information leaked on the internet m, it is very possible for a person to be victim to cyber crimes. 

I have been contacting the credit reporting agencies as well ss the creditors who are reporting information on my name. In trying to explain that therr have been multiple accounts reporting on my credit that i have no knowledge of, it seems as though any documentation requested from me that i send, is never sufficient. 

I need the CFPBs help in contacting the listed creditors below and notify them that if they do not provide me with the contract that i supposedly had with the origingal creditor with my signature, then they must delete this account from my credit report. 

XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$8800.00} XXXX XX/XX/XXXX {$670.00} XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} ( Original Creditor : XXXX ) XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - Quicken Loans called me after I was researching on their site. We started talking, then when it came to the credit information I told them not to pull my credit and I am going to wait about 6 months. As soon as I got off the phone I got a notification that my report was pulled from all 3 agencies.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/scrub>XX/XX/XXXX
Product: Debt collection

Your agency is asked to provide proof of ownership of who owns this account. It has come to my attention that the alleged loans were securitized in either XXXX XXXX XXXX XXXX  account or your companies, Trust Account. According to your companys SEC filings and XXXX documents filed with the securities exchange commission. I do not owe your company. I have information to believe the trust owns the instrument and your company has falsified these loans. I ask that your company provide proof of where the security interest and instrument is being maintained. This is securities fraud and trust fraud. So I ask for proof of where the loan is maintained. Your company has sold this account to a third party collection agency in violation of the privacy act of 1974, by way of transfer, your company is required to provide proof of ownership, proof of transfer to XXXX ( debt collector ) from your Trust to their Trust. If this information is not provided your company it will be shown of your companies fraud and Trust Fraud. I request all information is provided within 15 days. I am not interested in the amounts of what items were, I request for proof indicated within this dispute. If this information is not provided a further investigation will begin into your company with the Attorney General, OCC for your agency and XXXX XXXXXXXX XXXX. I will continue to provide all relevant fraud with the IRS as indicated. As advised your agency is requested to send all information with 15 days.
Product: Credit card

Chase card services, like most financial providers, urges consumers to enroll for online statements, as it reduces costs. I enrolled to receive statements and information online, but unfortunately they do not tell you that late statements ( meaning you did not pay within the grace period ) are not sent when you elect the online/email option. For background, you should know that I had never had even a single delinquency in my XXXX year credit history until now. Today, I have a XXXX day late because Chase could not be bothered to send me a late notice via email nor call me as a courtesy prior to being XXXX days late. I immediately paid the balance when contacted at XXXX days late. Believe it or not, a single late in XXXX years has affected my credit score and resulted in a higher rate for a mortgage I am in the process of obtaining. Had I known that I would only receive a courtesy late notice if I had kept my mail-only election, I would not have chosen the online option. I 've contacted Chase, but they have indicated that they will not remove the single delinquency and improve their online notification process. In the meantime, my mortgage will be at a higher rate. THIS IS VERY POOR CUSTOMER SERVICE. They need to improve their process.
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, 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, 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 information is inaccurate.
Product: Money transfer, virtual currency, or money service

A contractor scamed me out of {$500.00} I'd sent the money from my bank account through XXXX. I thought the bank insured us customers 100 % of our money obviously not bank of america is my bank they told me that the contractors bank wasn't able to retrive the money from the fake contractor he didnt have the funds in his account to get my bank said its cut and dry im out of my {$500.00} I've been banking with bank of america for years and a good customer i need help on getting my money back
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing XXXX XXXX  home. Please remove fraudulent accounts from my credit reports as soon as possible.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my phone number is XXXX, my email is XXXX. Please use my correct information.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX