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

In accordance with the Fair Credit Reporting Act ( FCRA ). These listed accounts below have violated my federally protected rights to privacy under 15 u.s.c 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, Louisiana Child Support 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 section ( 2 ) States a consumer reporting agency can not funnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts on my credit report. I am a victim of identity theft resulting from a data breach, and the accounts listed below are unauthorized. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these entries from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$520.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX  - XXXX - XXXX XXXX {$580.00} XXXX XXXX XXXX - XXXX - XXXX - {$540.00} XXXX XXXX XXXX - XXXX - XXXX XXXX {$550.00} XXXX XXXX XXXX - XXXX - XXXX - {$270.00}
Product: Debt collection

I filed a police report for identity theft called and talked to the company about this debt company agreed to removed after providing them with proof such as current address and police report I did so and didnt remove
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX 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

Dear CFPB, I am writing to formally file a complaint against XXXX, Equifax, and XXXX for not properly investigating. 

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

There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, XXXX XXXX for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted
Product: Credit card or prepaid card

The XXXX statement for my XXXX XXXX  Visa card shows a charge to XXXX  on XX/XX/XXXX for {$42.00} which I did not make. I PROMPTLY notified the card Issuer ( BARCLAYS ) that this was a mistaken or fraudulent charge. Barclays placed this transaction in dispute while they investigated. On XX/XX/2021 I received a letter from Barclays Investigation Department which I do not understand. They state that " their investigation is complete and research indicates that the account is valid ''. What does that mean? I never questioned the validity of any account. I only dispute that I made that charge. 

I do not know the status of this transaction, nor do I know how to find out. I have spent hours on the phone trying to get information. They CAN NOT be contacted. I have called every phone number I can find on the letter, on the card, on the statement and on-line, all without result. Very frustrating. Please help. 

Barclays cancelled the old account which ended with the numbers XXXX. They sent me a new card, account XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was the holder of three business accounts with SunTrust Bank until today,XX/XX/XXXX2017. I was approached by a person purporting to be XXXX XXXX of XXXX XXXX XXXX, a XXXX-based shipbuilding concern. XXXX XXXX sent a cashiers ' check that I was to hold in escrow as the broker of a transaction. Another party to the transaction called me and informed me that the check was fraudulent. I reported the fraud immediately to the FBI, the Federal Reserve Board, the FDIC, and SunTrust Bank. The check never cleared nor was it credited to my account. On XX/XX/XXXX, 2017, SunTrust acted to close all three of my accounts with them and seized all of my money and my clients ' money. I reported this to five different departments and agents of SunTrust, all of whom informed me there was nothing I could do to recover my legitimate assets and my clients ' escrow funds. To reiterate, the fraudulent check never cleared, nor was any sum forwarded to my accounts. I reported the fraud promptly, yet SunTrust still chose to confiscate all of my assets. As a result, I will likely be sued by my clients, lose my business, lose my home, and possible be indicted for mismanagement of client funds, all caused directly and proximately by SunTrust 's theft of my assets. If there is any recourse that I can pursue, I would love to learn about it, because I have lost everything I have, as have my clients. The money contained within my accounts had nothing whatsoever to do with the fraudulent check, nor is any of that money the property of SunTrust Bank. 
If I can not resolve this issue immediately, I will lose my home, my business, and everything I own. Please help me.
Product: Bank account or service

On XXXX XXXX, 2016, and XXXX XXXX, 2016 XXXX XXXX, an authorized user of one of my debit cards, as he has done so many times before, went to the XXXX XXXX XXXX ( bought now by XXXX XXXX ) on XXXX XXXX, XXXX XXXX in XXXX, Ohio. It is the closest ATM to us. He made a balance inquiry. No where on the screen is there a statement that a balance inquiry will result in a charge of {$3.00} if you do not have an account at this particular bank. I had {$8.00} in my account on XXXX XXXX and went to spend a little over {$5.00}. Because he did not know there was a {$3.00} charge for checking my account balance, I was overdrawn. It has taken me awhile to figure out what was going on. I would appreciate your interceding with this large financial intermediary and remedying their shadowy, venal behavior. This is another example of a large for profit entity leaching off consumers to, drip by drip, swell their profits. We can not afford to subsidize the bank.
Product: Credit card or prepaid card

I was approved flr a 60 month 0 % financing for a home project. 
I financed XXXX $ XXXX = {$130.00} they set my minimum payment at XXXX XXXX {$8300.00}
Product: Money transfer, virtual currency, or money service

I have a Coinebase account. I have been unable to access my account after loggin in with my valid Username and Password. When I put in my 2-factor, 6-digit authenticator number, it keeps saying " Invalid number ''. Therefore, I can not get into my account. 

I have tried repeatedly to contact the company without success. When I call their number, I get a voice recording that directs me to their Help Page. When I go to the Help Page, it is very confusing, technical and basically useless. 

I leave messages asking for help but no one contacts me. 

I have about {$30000.00} in my account and I CAN NOT GET TO IT. I just want to get my money out and be done with this company but I can not get a person to help me either in a chat group or on the phone or by email. It's like a ghost company. There is no way to reach them. 

Please help. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the following information in my credit report, which I believe is inaccurate. I have obtained a copy of my credit report from your agency, and I noticed that la canceled debt that is still listed as outstanding ]. Details of the Dispute : - Creditor Name : XXXX XXXX XXXX Account Number : XXXX - Date of Cancellation : XX/XX/2023 - Amount of Debt Canceled : {$3000.00} According to IRS XXXX XXXX that I received from XXXX, the debt was canceled on XX/XX/2023. I have attached a copy of this form for your reference. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I request that you investigate this matter and correct my credit report to reflect the accurate status of this debt as " canceled. '' Please let me know the outcome of your investigation or if you require any additional information from me to assist in resolving this issue. I appreciate your prompt attention to this matter. Thank you for your cooperation. Sincerely, XXXX XXXX [ Enclosures : Copy of IRS Form XXXX, Copy of Social Security Card, Driver 's License ]
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.

C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Vehicle loan or lease

This complaint is connected to a previous answer to a complaint from TD AUTO FINANCE LLC., XXXX XXXX XXXX, XXXX , XXXX , XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX. I contacted TD AUTO FINANCE LLC. on Monday, XX/XX/XXXX, and alerted TD Auto Finance that I believed I had been a victim of a bait and switch scheme and asked if they had funded the loan and they said " no '' it was pending and they would make a note in the file about the situation. I contacted them again on XX/XX/XXXX, and they said the contract was still pending so, I suggested they hold the funding until I was satisfied with my complaint with the Better Business Bureau and the Consumer Financial Protection Bureau. I received a notice today XX/XX/XXXX, that TD Auto Finance LLC had rejected my complaint and funded the vehicle anyway. Since I am the Consumer I should have a say as to whether I want TD Auto Finance to fund the vehicle or not. Since TD Finance chooses to go ahead with the financing I have no choice but to defer the first car note until the matter is litigated.
Product: Student loan

On XX/XX/XXXX XXXX was debited from my checking by Navient through an electronic check ; the check noted " Verbally Authorized by Your Depositor ''. While Navient has my permission to obtain electronic monthly payments from me on the last day of every month, for a calculated payment, mine for the past six since months ( since XX/XX/XXXX ) has been XXXX. I never received any correspondence informing me my payment was going to increase. I went through this same dilemma back in XX/XX/XXXX when they charged me {$700.00} without informing me of the changes. While they did refund me for that incorrect amount at the time, it was painstaking. While I have confidence they will also refund me this time around, I am so angered that anyone should have to go through this in the first place. They continually fail to inform borrowers that their payments will be changing and for how much ; it has to stop. I am taking this action today as it is really the only action I can take on a Saturday. This transaction was posted to my account on a Friday evening and I have been unable to resolve any issues with Navient as they're closed over the weekend. I attempted to make headway with my personal financial institution but their dispute department is also closed for the weekend.

I am requesting three things : First, to be refunded in the total of {$590.00} immediately. I never received any correspondence for monthly payments increasing to the deducted amount. My permission, verbal or otherwise, to be charged for {$590.00} was never obtained by the company. If, after the fact, Navient tries to inform me that an IBR plan expired and I did not complete the required paperwork, I will note that I never received correspondence about an IBR plan expiring, nor about what my new monthly payment would look like. My second request is to be sent correspondence at least 60 days prior to a plan expiring that contains detailed information on how to renew and/or extend your plan. Finally, Navient should never be allowed to charge a borrower anything other than what is reflected in their monthly billing statements. If Navient has intent to the aforementioned, then I am requesting for notification at least 30 days in advance to when a fee will increase, explaining why, and listing in detail what actions the borrower can take if they are unable to afford to make those payments.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unverified items on my credit report, I have no knowledge of these accounts.
Product: Debt collection

I gave a 60 day notice to leave the apartment building where I used to live. I left a letter in leasing office and talked with the leasing department as well but they still charged an extra month plus additional fees in order to damage my credit. This was a fraudulent and bad business practice from the landlord to charge extra at the moment of leaving the property. 

The lease was paid in full and always kept the contract in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to Regions Bank. I have disputed this item 4 times since XXXX 2021 to XXXX, XXXX, and XXXX stating this item from Regions Bank is reported incorrectly and they will not update the account. Regions Bank can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account also the payment status on transunion says repossession but my Equifax Payment status says charge off Please verify and delete all inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. Please adjust these accordingly. 

XXXX XXXX XXXX XXXX Balance {$35000.00}, XXXX XXXX XXXX XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Balance {$2400.00}, XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I will be making a police report and uploading all evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CFPB, How are you? Hope all is well. Ive been a member of the student loan program for 12 years. Having successfully completed my hard earned and worked degree as a XXXX veteran with no help since the beginning. Ive been homeless for XXXX or more years struggling. Ive also been discriminated against when it comes to scholarship and being looked as a non A or B + Student but I actually am. Ive been paying my student loans as much as I can asking for forgiveness and I still didnt get a pardon? Is it because Im XXXX XXXX thats educated that wanted to stand up for my country? If you look at my education record Ive done my best with what I have thats all I can do. Ive applied for all types of scholarship and because Im a veteran Im disqualified, no thats Descrimination. I have every right to apply for any scholarship just like anyone. Everyone is getting recognition for their education except me. I asked for loan forgiveness just like all other students at least a portion of my student loans. Its not easy. Now they are reporting on my credit that Ive reached my max limit. Trying to sabbatoge my credit score by reporting incorrect information about my student loans basically Descriminating. Ive spoke with Department of Education and have been ignored, hung up on the phone, and transferred. Veterans shouldnt have to pay for school at all including loans should be forgiven because of their service and sacrifice to our nation.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING THESE MISTAKES ON MY CREDIT FILE.