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

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX MORTGAGE SER 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent me an email on XXXX XXXX, XXXX notifying me of Changes to my credit report. I still see two names that do not belong to me or have been used by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear Transunion I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} I dont recognize this lender and account. Please remove this inaccurate information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX
Product: Student loan

I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans. I 've been making payments on the loan for over 10 years with no change in principal balance.
Product: Money transfer, virtual currency, or money service

I started a dispute with paypal on XX/XX/XXXX for an item I sent that was not as described. The item cost {$390.00}. Paypal says the seller can not be reached. Everyday they push back the " date of resolution '' farther and farther. Today I logged on to find that my account has been permanently limited, I am unable to withdraw funds or use my account at all to do anything. I tried contacting paypal and they refuse to provide any information whatsoever. They say I can get my funds out after 180 days, but from what I understand, this is a common scam paypal does to collect your money for " damages. '' I have not broken any of the paypal rules or guidelines.
Product: Credit reporting or other personal consumer reports

I want all these inquiries removed. These inquiries were unauthorized, and I want to remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : # XXXXXXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it again after my complaint last XX/XX/XXXX, XXXX the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof please verify these reporting accounts : XXXX  XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXX - XXXX - XXXX - {$1600.00} XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account have been sold. I am no longer liable for the alleged. An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Since XXXX, I have been charged unexplained fees to my mortgage. On XXXX XXXX I became aware that my XXXX payment came back NSF. At that time, I called and spoke with a representative and paid the past due payment, late charge, and NSF along with a {$15.00} fee to make payment over the phone. When I went to pay my XXXX payment, I noticed their were {$70.00} of unexplained fees in the payment amount. At that time, I called and spoke with a rep who took my payment over the phone and told me the fees would be researched but he would waive the late charge and took my payment over the phone. As of XXXX XXXX when I reviewed my account the amount due was the normal monthly mortgage payment. I have not received a new billing statement as of XXXX/XXXX/17 and one is not available online. When I went to schedule my mortgage payment on XXXX/XXXX/17, the amount due has {$70.00} of unexplained fees assessed again. At this point I am unable to schedule a payment and this will cause my payment to be late because I do not have the {$15.00} to make the payment on the phone. This is causing a huge inconvenience. The mortgage company has still not followed up with me about last month and the fees that were assessed. I am afraid this will become a revolving cycle month after month. I
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has provided me with a long over due 1099-C evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next 3-days. After I will file complaints with FINRA, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The Constitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX 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 card or prepaid card

My name is XXXX XXXX XXXX I go by XXXX XXXX. Im writing this letter to request the results of the investigation and to get my money back. I made a cash payment on my credit card on XX/XX/XXXX between XXXX pm First time I tried to put {$1000.00} but the ATM rejected because the amount exceeded the balance. So I took couple bills out ( I didnt count exact amount which I could remember my balance was between 700-800 ). Them the transaction was successfully. I didn't take the receipt as I never do. After a few days, the transaction still didnt show on my account. 
I went to the branch to file a claim on XX/XX/XXXX. Since then, I had to go back and forth the branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) many times and still havent received my money. They gave me the temporary amount then took back. Then again. I need to know what exactly happened to my deposit and the result of the investigation. I have written a letter and contacted with the Executive Office back and forth for many times. also I requested that I need to see the camera footage, but both branch and investigation department would not do it. I am so disappointed how could a well known national bank just ignore a loyal customer 's simple request and help. 
Since I have been unsuccessful with Chase back. I am asking you please help me with the issue. I would really appreciate it. My phone # ( XXXX ) XXXX XXXX Sincerely XXXX
Product: Student loan

My husband and I are paying XXXX of XXXX loans our daughter has with Discover Student loans. We send them the checks with letters of instructions and note the instructions on the checks - but they are applying the payments to another loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account # XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX Account # XXXX 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Delete this account. 
Personal information is incorrect Previuos address:XXXX XXXX XXXX XXXX XXXX XXXX  az XXXX
Product: Money transfer, virtual currency, or money service

On ( XXXX ) : XXXX XXXX I transferred some XXXX from XXXX to Coinbase. XXXX is usually and instant transfer. But I still have not received it. I contacted Coinbase through their online chat/email/ and phone and no one would help me or tell me why they were withholding my funds. Only that they will get back to me in 2 weeks. I asked many times why this was happening but was completely ignored. 

Support ticket number : Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received your response attached down below. I want to thank you for prompt response. Unfortunately, the documentation you sent did not give evidence of how the investigation process taken place. Neither prove how you are lawfully nor legally able to report the XXXX payments for XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX XXXX # XXXX. This account XXXX XXXX auto finance, for example I would like to know how your investigation differ from XXXX reporting never late. If you XXXX have different information reporting how is your investigation results verified and accurate. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. To my knowledge, I did not give written consent to your company. If you have documentation proven otherwise I would like to be given the documentation of such. 15 USC 1666B : 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 the consumer not later than 21 days before the payment due date. During your investagation, did you come upon me receiving a periodic statement 21 days before payment was due. I would like to be shown when this statement, what address, and proof of deliver to the correct address at that time, each time I was consider late. If these documents can not be provided then your investigation was not verified nor accurate. According to my consumer rights the late payments on the accounts should be deleted and updated to paid and never late within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason is the amount owed is not valid. the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.
Product: Checking or savings account

XX/XX/2023 my Chime bank account was Hacked as well as my email account for my tax refund. I had disputed transactions but there is one that I'm having problems with claim Id number is XXXX. I provided a police report as well as documents proving I was not responsible for these transactions. I have never had any relationship with either merchant on the day of XX/XX/2023. I have been doing everything to recieve my funds and they are constantly being denied for this claim as for which it was XXXX dollars!
Product: Credit card or prepaid card

I am a victim of identity theft and have repeatedly reported instances of fraud using cash app someone is currently logged into my account in North Carolina and I reside in XXXX Maryland which is my current location
Product: Checking or savings account

My card was lost and fraud was committed on it and I actually start seeing charges on my account I immediately contact td bank through app to ask about charges then when my account was overcharged I disputed it took so long then they close my account with all my funds still I it
Product: Credit reporting or other personal consumer reports

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Balance : {$420.00} ; XXXX XXXXXXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX  Balance : {$10.00} ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX 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.