23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Some XXXX call me blamed Well Fargo bank and toll me that someone use my credit card to purchased at XXXX store and I toldthem that I didn't buy anything from XXXX, then he send me code and ask me for the code he just send. And somehow they canwire transfer my money to his account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total they transferred mymoney {$49000.00} My bank Well Fargo don't XXXX XXXX XXXX. Please help my family. Thank you very much.
Product: Mortgage

I applied for a mortgage modification and it was denied based on financials.   There are  two  issues here. First, the bank incorrectly analyzed my financials. The income they used was {$8500.00} and the income submitted with proof of deposits were {$11000.00}. In addition, the expenses they use were {$8400.00} and the expenses submitted were {$6300.00}. A review of my credit report indicates that  HSBC is reporting my mortgage twice. Once under HSBC and the se cond under   XXXX   XXXX   XXXX   Therefore, this error in credit reporting is causing my monthly obligation to be more than it really is. Please see attached documents
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX   XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XX/XX/XXXX, ( 6 ) XXXX, XX/XX/XXXX,XX/XX/XXXX, ( 7 ) XXXX XXXX XXXX , XX/XX/XXXX, XX/XX/XXXX, ( 8 ) XXXX XXXX XXXX  , XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

I returned my XXXX  equipment over 3 years ago and paid all the bills associated with this account.
Product: Checking or savings account

My son, XXXX XXXX, is helping me with this complaint as I am not very good with communications. I am giving explicit authorization to discuss any and all doings regarding this account & complaint with him as well as me. He is also listed on the XXXX account under " Trusted Contact. '' Per XXXX - a trusted contact is someone who will be reached out in case of health issue, contact information out of date, or suspecting fraudulent activity on the account. Neither XXXX XXXX or XXXX XXXX was ever contacted by XXXX to provide authorization - and was never given clarity on any of the matters that took place prior to XXXX closing the account. This is in regards to case number : XXXX. After the Robinhood account was randomly restricted for weeks, we received an email asking to submit bank statements, as well as a Live Photo XXXX & ID of XXXX XXXX. The selfie & ID was accepted by XXXX 's verifying agent. However, XXXX still decided to close the account. The verified & linked bank with XXXX is in the name of XXXX XXXX, XXXX XXXX 's son, as he manages all of his father 's finances. This account has been linked to XXXX since the account was created. XXXX XX/XX/year>- XXXX received correspondence from XXXX support that they will no longer support him as a customer. They gave XXXX options, liquidate all positions & withdraw to a linked bank account XXXX XXXX transfer to a new brokerage. OBVIOUSLY I opted for ACAT since I didnt want my stocks to be sold. We communicated this to the customer service as well that WE DID NOT WANT TO SELL AND DID NOT WANT A TAXABLE EVENT. They then proceeded to completely ignore that, and liquidate all my positions. Unbelievable. We sent XXXX follow up emails stressing that these stocks were sold without my permission, and if I couldnt XXXX then why did their support give me that option? Is this not illegal? Anyway, on XX/XX/year> we received correspondence from XXXX, a member of their escalations department telling me XXXX is working with the connected bank to return the funds. When asking him why they told me I could do an ACAT, he said my team confirmed ACAT isnt possible THEN WHY DID YOUR SUPPORT AGENT GIVE US THAT OPTION? Anyways, We have asked about XXXX times when to expect the money & never get a straight answer. At this point, my XXXX XXXX XXXX father has lost thousands of dollars of interest income & potential trading profits from this entire scam, and want nothing more than to have the money deposited into the linked bank account ASAP. We have constant stress because of this, and our mental health has been affected negatively.
Product: Student loan

It all started in late XXXX. I have been learning programming since then, on and off looking either for a job or to earn income through self employment. In the meantime, my payments have been delayed as I haven't been able to pay for them. So far, most of my creditors have accommodated me. The XXXX exception however is Sallie Mae. 

I have called them XXXX times, telling them multiple times I can not consistently repay, or make payments monthly. I asked for forbearance multiple times, and like I said earlier, almost all other creditors, private or public have understood. I am trying my hardest to make an income, especially soon but I have reached a breaking point. I have called roughly I believe in XXXX, XXXX, XXXX and XXXX. Right now, I am supposedly over XXXX or so due, but after today, XX/XX/30, I will owe the full amount. The only reason I delayed it for this long is because I made XXXX payments both from my stimulus and tax return, in XXXX and in XXXX. 
Well, I will be unable to pay for a while. Garnish my non-existent wages for all I care, the worst financial provider in the country! I WILL PAY WHEN I CAN YOU LEECHES!
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Credit Card # XXXX Dear Capital One, I am writing to you today regarding my credit card account # XXXX which I had since XX/XX/XXXX. The purpose of my correspondence is to see if you would be willing to make a " GOODWILL ADJUSTMENT '' on the reporting of this account to the XXXX major credit agencies I requested several times by mail general correspondence date on XXXX/XX/XX/XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX ( letters attached ) and Consumer Financial Protection Bureau on XX/XX/XXXX and XX/XX/XXXX ( letters attached ) But all the times my request has been denied. I have a XXXX active accounts good standing, Accounts numbers are XXXX and XXXX. 
During the time period this account was established I had was very happy with the service. I am writing to requests again and again please help me out to removed late payment on XX/XX/XXXX. 
I really enjoy business with your company and hope to continue a satisfying in the future. Please make in to consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from soon Sincerely XXXX XXXX XXXX
Product: Student loan

I am writing to address a clear error on my credit report regarding an account with Navient, which falsely states that I was 90 days late on a payment, without any prior XXXX or XXXX late payments being reported. This is entirely inaccurate, as I have never been late on this account, let alone 90 days. I have sent multiple dispute letters to both Navient and the credit bureaus, yet have received no response. This reporting error has significantly harmed my credit, jeopardizing my ability to purchase a home. I am seeking {$1000.00} in compensation for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan from XXXX XXXX XXXX for a car opened on XXXX of XXXX and closed on XXXX of XXXX. There was an accident where the car was totaled in XXXX of XXXX and the other drivers insurance paid for the car in full. Under my Transunion credit report, it states that the account is still open and an incorrect balance of {$5800.00} still due. I've disputed the accuracy several times and each time it comes back completed, no information has changed, and the account remains open with the same balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX XXXX {$500.00} XXXX XXXX {$630.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 )  Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

1. Original Account Number 2. Date the original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

I have no knowledge of this account. Please provide validation that this is my account with a signed contract by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX to delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX  XXXX, XXXX XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX Date of inquiry : XX/XX/XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this in my previous Complaint # XXXX and I am including these items again.
Product: Credit card or prepaid card

Hi there, I am writing this again based on reference number XXXX. My name is XXXX XXXX and it is regarding the same case. I would like to know what is the status or anything has been done abou it. We are been treated with so much disrespect because of our skin XXXX. I just got off the phone with XXXX at XXXX on XX/XX/20 and i asked them if they can send the card and I was told that they need to verify our address and my question is on XX/XX/20, I received a letter from sallie mae saying we are investigating about this issue and they sent a letter from them. If they arent sure about my address then why did they send a letter. They have all the information, why are they picking on us? Why discriminating? What did we do to them? I need answers? They keep taking money from my wifes account and she isnt on the record for past 1 and 1/2 years? Is that legal? If you really concerned then why don't you verify that first? We need answers.

thank you
Product: Debt collection

Recently I had a {$2000.00} collection From Commercial Trade Inc/ XXXX XXXX post to my XXXX credit bureau XXXX When Commercial Trade first contacted me in XX/XX/XXXX I sent them a letter disputing this action and received no communication back. My contract with XXXX XXXX and XXXX XXXX XXXX XXXX was canceled 3 years ago. XXXX XXXX agreed not only to cancel my contract but multiple other contracts in my presence. He received the letter of cancelation he ask me for on XX/XX/XXXX. XXXX XXXX was supposed to send me a digital or hard copy of the canceled contract that he should have in his files. I would caution your company that this appears to be a fraudulent claim. XXXX XXXX continued to charge his customers after he was in breach of our contract and assured us that he would not purse enforcement of any canceled contracts if we didn't pursue repayments of the over payments made to his company during the covid lockdown. He has not attempted to serve me with any Late Bills or Invoices and have not had any contact with him since XX/XX/XXXX in regards to any debts. I look forward to getting this resolved thank you for your consideration.
Product: Credit reporting 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 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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my right, And lists of unauthorized 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$38000.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$7900.00}. Please delete ASAP.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX  the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a new home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report, and not complying as per the FCRA, the bureaus are under breach of the law.
Product: Credit reporting or other personal consumer reports

Today XX/XX/2023 and each month prior for the past XXXX months they pull prior to the XXXX. They dropped my score another XXXX points today due to their illegal procedures.
Product: Credit reporting or other personal consumer reports

I am writing to notify your bureau that I am a victim of a data breach, which has resulted in the unauthorized opening of accounts in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following account from my credit file : XXXX XXXX - XXXX - Opened : XX/XX/year> - Amount : {$990.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Pennsylvania higher education assistance/FedLoan  Serving have received payment for all students loans account under page 4 section B of the promissory note regarding payment to FedLoan Serving from XXXX. 

XXXX has deleted the accounts after payment was made regarding the promissory note under the FCRA regulations. 

To report all accounts as paid in full according to the promissory note with the department of education.