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

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LA XXXX XXXX, LA XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 15 U.S.C1681 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 AGNCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 18 U.S. CODE 8
Product: Credit card or prepaid card

On XX/XX/XXXX, i made a purchase of XXXX dollars on my Home Depot credit card, on XX/XX/XXXX I paid off the complete balance of the card to to a ballance of XXXX. On XX/XX/XXXX I received a bill for XXXX plus XXXX dollars in penalties and interest. When I contacted them I was told my XX/XX/XXXX purchase wasnt added to my balance on XX/XX/XXXX.
Product: Credit card or prepaid card

i have received a letter on XX/XX/2020 from Chase Bank saying they were closing all my personal credit cards. I reached out to the number listed on the letter but despite being a supervisor the lady could not provide more information than the letter had. which is nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received and investigation results. 

The inquiry was not authorized XXXX XXXX via XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX I was not a total of 60 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please remove it from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX
Product: Debt collection

I have received 2 letters from XXXX XXXX XXXX demanding payment for a company I have never heard of in a state I have never been to. they are threating to report me to credit reporting services etc ....
Product: Checking or savings account

Since XX/XX/2023 I have been contacting Bank of America asking them to provide me with the name of the woman who called me slandering me and unlawfully keeping my money and freezing all my account but Bank of America has come up with all kinds of excuses and refuses to provide me with her name, her position with the bank and her direct phone number. 
On XX/XX/XXXX and XX/XX/2023 that woman from Bank of America called me yelling and screaming at me accusing me of being a criminal and involved in money laundering I told her that I had clients listening to her accusations but she went on like a broken record, I told her she was being rude and hang up. On XX/XX/XXXX, the same woman called me again yelling and screaming at me accusing me of being a criminal and involved in money laundering because I am wiring millions of dollars into cryptocurrency and that she is going to freeze all my accounts and keep my money and that I will never see a dime. Monday, XX/XX/XXXX all my accounts were frozen, personal and business accounts including my credit and debit cards and even the ability to sign in. Workers and contractor who went to cash their checks could not as Bank of America refused, then they turned around and threatened to have me arrested for giving them bad checks even though I still hundreds of thousands of dollars still in my accounts. 
That woman 's egregious actions were willful, wanton, reckless, intentional, malicious, defamatory, utter disregard for my wellbeing causing intentional infliction of emotional and financial trauma followed by cruel insensitive and defamatory remarks only compounded the pain by humiliation and embarrassment that ultimately caused me to stop working in the business that I enjoyed for over XXXX years. 
I want her name, position she held or holds with Bank of America and her direct phone number.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX
Product: Student loan

NelNet : Multiple times I have been put in an administrative forbearance for XXXX  my student loans, only XXXX  of my loans have been switched to the SAVE plan, but the most expensive loans are on graduated repayment. I just want them to fix this as I have heard nothing from them and do not feel like being on hold for XXXX XXXX  like I was XXXX  time. It's been XXXX  dealing with this and they still haven't fixed it. Someone please help me so I can actually start paying my loans on a plan that is completely within my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my personal information to obtain these fraudulent account in my name. I am requesting for ARS National Services affiliated with XXXX to remove and delete these fraudulent accounts immediately from my credit report.

!. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX I have included a copy of my police report and FTC Report for these fraudulent accounts to be remove and deleted immediately from all three major credit reporting agencies.
Product: Credit reporting or other personal consumer reports

The following inquiries are all on my credit report and were just noticed due to applying for a apartment. I do not have any knowledge of these inquiries and have also filed a report along with the Identity Theft .gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Id like to report the following company and individuals by that company for fraud and the above UDAAP issue. 

XXXX XXXX XXXX XXXX XXXX of company movement mortgage My witnesses to the fraud and lending issues are my family. 

Movement mortgage is dishonest and practicing classism and racism for potential XXXX home owners. 

Preferential treatment and interest rates and advisement are given to More affluent Customers where as less fortunate Customers are given incorrect, improper inappropriate advice with high costs to Poorer customers over the course of time. 

Movement mortgage should not be allowed to lend in the states of VA NOR NC AND any other states they are permitted to do so. 

I have been advised by XXXX XXXX various numbers that do not add up or when asked been given different numbers on the same day for the same loan type and home or address. 

I am now subject to being homeless after the dishonest sales tactics conducted by movement mortgage. 

I was also refused by movement Mortgage to have numbers forwarded over the course of the past few months when I requested a breakdown of the numbers and how funds would be allocated. 

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

I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 )  XXXX/ XXXX XX/XX/XXXX ) Dept Of ED/ XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.
Product: Student loan

I have tried several times to repay these loans but we can not reach a fair payment that the lender will agree on. I have XXXX small children and can not afford a $ XXXX/monthly payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, I am writing to request a reinvestigation of the following items ( XXXX ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

Disputed Item ( XXXX ) : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Account XXXX Charge off Balance {$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX Account XXXX Charge off {$1600.00}. 

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account XXXX Charge off {$4500.00} XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account XXXX Charge off {$8100.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account XXXX Collections {$3100.00} XXXX. XXXX XXXX XXXX Account XXXX Collections {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account XXXX Collection {$740.00} XXXX. XXXX portfolio services XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX Account XXXX Collections {$2300.00} Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802. 
Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report as provided by TransUnion. Despite my initial contact with TransUnion on XX/XX/XXXX, I have not received a response to date. In accordance with the Fair Credit Reporting Act, I kindly request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} I confirm that the specified account was never late. The reported information is incorrect, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} I confirm that the indicated account was never late. The reported information is incorrect, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} I confirm that the specified account was never late. The reported information is inaccurate, and I request that you correct this from my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I assert that the account mentioned above is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} I confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report.
Product: Student loan

I was inquiring about the student loan forgiveness plan for XXXX. The Student Loan Releif Department was the company in which I went with based on what they told me. In order to use their service, I have to pay them {$1300.00} on a monthly plan paying {$39.00} a month. This payment plan started on XX/XX/2017 and they went through Equitable Acceptance for the loan in which I am paying this company. I contacted the XXXX company to ask some questions and they told me that I could have gotten the student loan forgiveness plan through them and it would be completely free. I am paying a third party {$1300.00} over the next four year for something that I could have gotten completely free. I was not aware of this and the Student Loan Relief Department obviously did not let me know about this. I am paying for their services when I could be doing everything for free. Not only am I paying for their service, but I also can not contact them via phone. I have tried to call them and I can never get someone to answer the phone. They didn't follow up on what they said they would do. This is when I ended up calling XXXX and finding out that I was paying for something that was not needed. I want to get out of this loan through Equitable Acceptance whom I have already paid for one year, for the service from Student Loan Releif Department that I don't even need.
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance XXXX {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

This company has violated my federally protected consumer rights by sharing my personal information. 

According to 15 USC 6802 it states except as otherwidse provided in this subchapter, a financial institution my not, directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with 6803 of this title.

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

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

1666B also states a consumer reporting agency should never consider any credit card payment late under an open end consumer credit plan for any purpose. 

Those accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have started the lawsuit against TransUnion already XXXX The case number is XXXX. I will be filing against XXXX if no action is taken
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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 XXXX and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX. Please delete these accounts immediately.
Product: Student loan

Began process of applying to refinance student loans through SoFi on XX/XX/XXXX. Existing loans are serviced by XXXX and XXXX. Completed process on XX/XX/XXXX and received notice that my loan was being transitioned to XXXX as servicer. On XX/XX/XXXX, saw that interest had begun accruing on SoFi loan as displayed on XXXX website. However, at this time, funds had not yet been issued to my existing servicers, which I confirmed by viewing my dashboard on XXXX and XXXX websites and via a web chat with a XXXX representative. 

Per my attached lending agreement with SoFi, interest should begin to accrue as of the " Disbursement Date '' which is defined as " the date you [ SoFi ] issue money on my behalf to the creditors of my Prior Loans '' ( see sections E.1 and D.4 ). Because the money has not been received by the creditors of my prior loan, the definition of Disbursement Date has not been met, and interest should not begin to accrue on my loan with SoFi.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX AND CAPITAL ONE stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thoughtXXXX XXXX AND  CAPITAL ONE case ID XXXX. XXXX AND CAPITAL ONE is blatantly punishing a victim of identity theft. XXXX AND  CAPITAL ONE has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX  AND CAPITAL ONE are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX  AND CAPITAL ONE has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX AND CAPITAL ONE have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX AND  CAPITAL ONE cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX AND  CAPITAL ONE now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX AND CAPITAL ONE continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened. Immediately remove the information. Willful FCRA violations are intentional or reckless breaches of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX credit bureaus have a data breach on my report and dark web activity. I am no longer able to dispute or add statements to these bureaus for aged accounts and inaccuracies. This has to be illegal and a violation of my consumer rights. I have disputed several discrepancies and accounts over the course of 3 years. Used several credit repair companies XXXX XXXX XXXX XXXX XXXX and many others to settle and improve over all credit. CFPB has also turned a blind eye to hard working consumers seriously trying to navigate and improve credit where there are obvious errors and mistakes on credit reports holding back millions of Americans their key to financial freedom and credit stability. What can be done to resolve this?
Product: Prepaid card

paid XXXX for XXXX $ giftcard XXXX bought through vanillagift that issued by XXXX XXXX card number is XXXXXXXX XXXX XXXXXXXX those card have been failed to use and they put it on hold i called customer service they told me they can only refund me XXXX but not the service fee. 
and ask me to wait for XXXX business days