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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of these fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Was not given the opportunity to opt in to regulate debit card insufficient funds notice. As well card declines automatically when funds in account not enough to cover current charge. Several times I had funds in my checking account and ordered items on XXXX. WF failed to freeze that amount in my account. Once XXXX pulled from WF acct a day or so later it then put my account in overdraft status charging me {$35.00}
Product: Checking or savings account

I applied for a savings account with Alliant Credit Union ( ACU ) ; didn't hear back and then received a letter in the mail stating my application was denied - Alliant used my personal confidential information and pulled my credit but claimed they could not access my XXXX. So, I applied for a savings account again with Alliant Credit Union and provided my California XXXX REAL ID driver license, DOD Military ID, Department of Veteran Affairs issued ID, United States passport book and Phone bill again ; to verify my name, date of birth, address and identity. Alliant Credit Union then asked for access to my XXXX again. I lifted the freeze again. Alliant Credit Union asked for me to lift my XXXX for a third time and XXXX credit bureau ( have two inquires now ) - I lifted the freezes again. After accessing my credit reports, and XXXX several times - Alliant asked me for a copy of my social security card however could not provide me with a reason as to why. When I asked if I was put through the same process as other new applicants the answer was no. Alliant perception is bias and implied that I am a 'fraudster ' based on my characteristics as a single, forty year old, 100 % XXXX Veteran and woman of XXXX. I am a US Citizen - born in Massachusetts. 
Alliant is forcing me to provide a copy of my social security card ( without cause ) or my savings account application will be denied.

Why, does Alliant Credit Union want a signed copy of my social security card? With regard to identity theft, what will Alliant do with a copy of my social security card and use it for? What statute requires that I must provide a copy of my signed social security card to Allied Credit Union in order to open a savings account? Why is Alliant Credit Union putting me through different processes as everyone else?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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
Product: Credit card or prepaid card

I rented a room off this woman and she ended up stealing all my bank information stealing all my email account information even got into my phone account and got the number changed it has been applying for cards and Loans in my name while sending me and my ex harassing and threatening messages I just found out today that there was a capital one account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my consumer reports, I found my consumer rights have been violated. In Accordance to the Fair Credit Reporting Act. 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( I ) States the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 
TransUnion XXXX, XXXX is reporting late payments for XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX,, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX utilization is an experience created by credit usage 15 USC1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the
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 XXXXXXXX US DEPT OF EDUCATION # XXXX ( Same account # 4 times 4 different amounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All have 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
Account XXXX XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. 
The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer reports and Data Privacy Act. 
As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XXXX XXXX, 2023 at XXXX XXXX, I logged into experian to receive my credit report and was informed that there is an issue that prevents me from getting my credit report.
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting or other personal consumer reports

I received a notice of social security data breach, through XXXX, however I have been unable to get through to Transunion, either by website login, XXXX or XXXX numbers or their excuse of a " livechat. " Wait times are atrocious and do not leave an option for any call back.
Product: Money transfer, virtual currency, or money service

I tried to buy a puppy from a breeder website ( XXXX ) in the beginning of XXXX, I sent an inquiry to the owner about a specific puppy named 'XXXX ' the breeder asked for half of the money through paypal ( {$490.00} USD- {$640.00} CAD ) up front and the other half when the puppy arrived. The arrival date of the puppy was supposed to be XX/XX/XXXX, however the breeder messaged me the XXXX saying that the puppy required a special crate and I needed to send him another {$1000.00}. When I refused to send the extra money the breeder called me and confronted me about not sending the money, I continued to refuse and asked for a refund. The breeder promised a refund within seven days ( XX/XX/XXXX ) I still have not received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a letter to XXXX and TransUnion about an inaccurately reporting item that was adversely affecting my creditworthiness. Both companies reported back the item had been verified by XXXX XXXX. I also notified XXXX XXXX that they were hurting my livelihood by reporting inaccurate information about my account, they responded to my concern with a frivolous letter. I responded to XXXX and TransUnion with proof of the inaccuracies on a letter dated XXXX XXXX wrote a letter to the CEO of XXXX XXXX concerning the matter. XXXX XXXX sent me a letter dated XX/XX/XXXX, to settle the matter at a discounted price. I purchased a money order from the USPS and sent it certified mail upon complete removal of the account. As of date, XX/XX/XXXX, inaccurate data is still reporting. TransUnion nor XXXX responding to a letter requesting the method of verification, yet still, they report UNVERIFIED inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect on both Experian, and XXXX. My correct name is XXXX XXXX XXXX. 
My address on both Experian and XXXX is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Any previous addresses need to be deleted. 

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

In accordance with the Fair Credit Reporting Act, These are the accounts that violated my rights. XXXX XXXX XXXX is not able to show the account number on the Consumer reports just as XXXX. 

XXXX XXXX XXXX Account XXXX Charged off XXXX XXXX Account # XXXX Charged Off XXXX XXXX Account # XXXX Charged Off XXXX XXXX XXXX Account # XXXX Charged Off XXXX XXXX Account # XXXX Charged Off - Identity Theft Should not be on here was reinserted and this company owes me {$1000.00} based on 15 USC 1681i and 15USC 1681 ( ii ). This account was deleted and put back on my account. 

XXXX XXXX Account # XXXX Chaged XXXX XXXX XXXX Account # XXXX Showing late / Incorrect 15 USC 1681s-2 ( a ) ( 1 ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency. 

15 U.S.C. 1681 section 601 A, States I Have the Right to privacy.

15 USC 1681eb, About Charge, offs which is canceled debt or as ordinary income and it is canceled debt and the company has filed it on their taxes. So these Chargeoff accounts should not be on Consumer Report 15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 Exclusion 15 USC 1602 ( I ) Social Security card is a credit card 15 USC 1682 a ( D ) ( 2 ) ( B ) any extension of credit should not be reported on a consumer report 12 USC 1431 Banks can not extend Loans or Credit because Banks are borrowers off on my Social Security Number which is an Open Ended Credit.

Along with 15 USC 1602 ( I ) and 15 USC 1602 ( j ), 15 USC 1602 ( N ) 15 USC 1682 A ( 2 ) Permissblabe purposes of consumer reports XXXX closed out an open-ended credit card and violated it by closing the account due to checking the consumer credit report without my permission n and closing the account. 
Please remove the Inquiries I did not give permission to XXXX XXXX XXXX XXXX XXXX on here 2 times should not be on here period already had an account from 4 years ago.XXXX and XXXX XXXX Also not reporting my Correct name which is XXXX XXXX XXXX XXXX my name is not a derivative. Also should be a report on the file of identity Been Stolen through a Data breach, and a Male that has all my information social security and Driver 's license information
Product: Credit reporting or other personal consumer reports

XX/XX/2024 To Whom It May Concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Student loan

I have private student loans with Navient which I have been struggling to pay because of their request for a high monthly payment and have also struggled to secure a secure salaried job. 

From XX/XX/XXXX to XX/XX/XXXX I was a XXXX XXXX XXXX and was not able to continue making the monthly payment amounts they were requesting. I made payments while in service as a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

In XX/XX/XXXX I was sent a summons by Navient 's debt collector agency called XXXX XXXX XXXX XXXX XXXX, XXXX, which is presented as a law firm. I went to court on XX/XX/XXXX and agreed to a repayment plan of {$45.00} a month until XX/XX/XXXX. 

My concern is the total amount of loans I have with Navient will be placed with the collection agency XXXX, XXXX XXXX XXXX XXXX, XXXX and I would like to have a feasible repayment plan for the total amount of student loans I have with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : SEVERAL FEDERAL DIC, FDIC, INSURED BANKS ARE ENGAGING IN BANK FRAUD, ROBBERY, AIDING AND ABETTING BANK FRAUD, ROBBERY, HIRING PEOPLE WHO MAKE ERRORS AND OMISSIONS, MISTAKES, AND STUPID-XXXX ACCIDENTS. THOSE BANKS BEING ( INCLUDING BUT NOT LIMITED ) TO XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( NOW XXXX ), XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX. ALL ACCOUNT CLOSED. DO NOT HAVE COP XXXX XXXX XXXX XXXX XXXX NOR THAT CONFUSED XXXX XXXX A. GOOD BADGE XXXX CONTACT ME EVER AGAIN. HOLD THEM ACCOUNTABLE AND HAVE THEM CEASE AND DESIST, MAKE CORRECTIONS, FINE THEM, AND TELL THEM TO MOVE THE XXXX ON. 

TRACE ALL CASHIERS CHECKS BECAUSE I AM THE PURCHASER AND THE ONLY PAYEE. THOSE ARE GUARANTEED FUND FOR ME, MY FAMILY, AND MY VERY XXXX XXXX SAFETY ONLY. I DID NOT PLACE A STOP PAYMENT, I DID NOT REPORT THE CASHIER CHECK LOST, STOLEN, DAMAGED, FORGED, AND I HAVE NO KNOWLEDGE OF A LEGAL STOP PAYMENT. THAT IS MY VALID SIGNATURE ON ALL CASHIER CHECKS. 

XXXX YES, I WANT TO PRESS CRIMINAL CHARGES. I DO NOT OWE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NOR XXXX XXXX XXXX XXXX XXXX XXXX NOR XXXX XXXX XXXX XXXX. AND XXXX NO THEY CAN NOT WRITE OFF DEBTS I DO NOT OWE AND REPORT TO ANY XXXX NOR 3 CREDIT BUREAUS ( XXXX, TRANSUNION, NOR XXXX ) AFFECTING MY CREDIT AND SAFETY ABILITY TO MOVE ONWARD. THEY ARE IN VIOLATIO OF 15 USC 1692 AND EACH BANK OWES ME {$1000.00}. 

I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL.
Product: Credit card or prepaid card

Called credit card company and advised of fraudulent charge of {$190.00} dated XX/XX/XXXX. Company refused to do anything including wouldn't issue new credit card.
Product: Debt collection

Collection Bureau Inc. Is reporting a collection account that does not belong to me on my XXXX Credit report. Shows on report for Collection Bureau INC. & XXXX This Collection Account is Damaging my credit. 

I sent Collection Bureau INC. a letter ( attached : original letter ) asking them to verify the debt within 5 days. ( Certified mail tracking # XXXX ). They have not Verified the debt Which they are required by law ( FCRA ) to verify a debt in which a consumer asks to verify.
Product: Student loan

Since XXXX  my student loan payments have been ~ $ XXXX per month. Suddenly in XXXX I got a letter from Navient stating that my payments were being adjusted and now they are {$50.00} per month. The letter said this : " You are currently receiving or are eligible to receive an interest rate discount benefit ( e.g., XXXX XXXX ) on your student loans. However, your Monthly Payment Amount was calculated using the loans original interest rate potentially making your XXXX XXXX slightly higher than necessary. " I have been enrolled in autopay for as long as I can remember, so my questions is why is it ok that Navient was charging me a higher interest rate for so many years by not applying the autopay discount? Shouldn't I ( and other borrowers ) recieve compensation for the years of overcalculated interest?