23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Beginning XX/XX/year>, Donald Trump allowed Elon Musk and his team access to my personal and financial information, therefore compromising it without my authorization.

This is in violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information and data, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit card or prepaid card

This is regarding a complaint I filed with US Bank Reliacard and the CFPB many times. The last complaint number was XXXX. 
As of today, US Bank Reliacard has still not refunded the money taken from my stolen government issued XXXX Bank card. I provided ample evidence that I was no where near the location of the purchases or ATM withdraws, including my precise GPS location. I have a sworn affidavit statement by another individual testifying that I was with them and no where near the area of the purchases or withdrawals. I proved without a doubt these were not my transactions. US Bank Reliacard still refused to pay. 
As of today, US Bank Reliacard has not yet provided me with the documents used in making their determination. Nothing. You can see that a monthly statement was provided by US Bank Reliacard, and this was what they claim to have based their decision on, however, this statement does not prove our even highlight what the decision was based on. There is no evidence within the monthly statement to support their denial. There is no evidence to support their claim that i benefited from the transactions. They claimed a pattern of use was a reason for their denial. There can not be a pattern of use established for the ATM withdraws that occurred at the XXXX Kansas XXXX XXXX because I do not use the credit union, Therefore the only pattern possible is the pattern of non use. My withdrawing occurs at the XXXX XXXX Bank. If the withdraw did not occur at the XXXX XXXX Bank only. Then it was not my withdrawal. There is great evidence to support my claims and none to support XXXX Banks claim. The fact that they still have not provided any actual evidence to support their claims in this long amount of time indicates to me that they have no evidence still. 
US Bank Reliacard advised that this matter is an issue to be resolved by the Kansas Department XXXX XXXX. It is not. I contacted the department of labor and they told me that " once the deposit is made to the card, the funds are no longer their jurisdiction. The fault lies with US Bank Reliacard. '' I am awaiting a written statement from the XXXX to provide you as proof of what they told me. I will get it to you as soon as it arrives here. 
US Bank Reliacard is bound by our customer agreement and is solely responsible for the remittance of my missing funds occurring from the theft of my XXXX government issued payroll card. They have an obligation to fulfill. I want my full dispute paid to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion for the past several months has not been posting my payments with my XXXX XXXX Credit Card. My payment history with my XXXX XXXX Credit card is always two or three months behind which is affecting my credit score. This is XX/XX/2021 and I don't see my payments for XXXX, XXXX, and XX/XX/2021 posted on my credit report.
Product: Credit reporting or other personal consumer reports

Collection of transwold system inc : the XXXXXXXX XXXX XXXXXXXX " promise to delete once paid.
Product: Debt collection

On XX/XX/2023 I Was Checking My Credit Report & Noticed An Unknown Account From XXXX XXXX Account Number XXXX With A Balance Of {$2000.00} I Immediately Contacted ALL Credit Reporting Agencies To Dispute This Account After It Was Marked As Verified Without Conducting A Full Lawful & Proper Investigation & Sending Me A Hard Copy With A Detailed Description Of How This Account Was Verified XXXX Is In Violation With FCRA & Owes Me {$1000.00} For Damages Caused & Now Has 15 Days To Complete A Proper Investigation & Delete This Fraudulent Information From My Consumer Report After Receiving This Notice View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I pulled my Consumer credit file from Transunion, and immediately noticed several violations of the Fair Credit Reporting Act. I reviewed my consumer credit profile thoroughly and noticed several Unauthorized Inquiries, accounts, personal information on my report. First I like to state that I NEVER gave Transunion, permissible purposes to report anything to my consumer credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) which states a consumer reporting agency can not furnish a report without the written permission of the consumer. The Fair Credit Reporting Act as codified at 15 U.S.C.-1681, which stipulates that a consumer report shall not include specific faction information on a consumers credit record. The Fair Credit Reporting Act ( FCRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. There were no PERSONAL INTERVIEWS done with any of my neighbors or associates. The incorrect information on my credit file has damaged my reputation, caused mental anguish, including XXXX, XXXX, and lack of sleep. I can not get certain employment opportunities because of the violations throughout my credit file. I can not get approved for my home, and it's affecting my relationships with my family, friends, and associates. This company has ruined my life and I'm invoking my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I do not know these hard inquires so please remove these from my credit report. Thank you. 
XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now
Product: Credit card

PAYMENT MISALLOCATION - SYNCHRONY IS CHARGING ME HIGH INTEREST ON AMOUNTS I PAID OFF IN XX/XX/2023 AND REFUSES TO CORRECT THEIR MISALLOCATION. 

Lowe 's Synchrony XXXX Stmt balance total was {$7700.00} broken down as follows : " Regular '' XXXX ; " Fixed Pay Reduced APR '' 7.99 % {$7000.00} ; " Reg Deferred Interest/With Pay '' XXXX. I paid {$720.00} on XXXX plus {$130.00} on XXXX ( XXXX was minimum monthly pmt required and was to be applied to promotional 7.99 % balance ). Settings on my account was " Standard Allocation '' - excess payments will be applied to non-promotional balances first. 

I called Synchrony on XXXX and requested allocation of the XXXX pmt as follows : {$720.00} to Regular and {$260.00} to Deferred. They did not allocate the payment as I requested and still have not done so. I called again on XXXX with same request, but nothing was corrected. In fact, instead of applying {$260.00} to Deferred, they added it to my promotional balance as though it were a new purchase so I'm now paying 7.99 % on this amount, which I paid off on XXXX. 

On XXXX, I mailed paper letter with backup requesting same correction. Synchrony 's response was I should file a Dispute. I've sent multiple additional messages thru their online message portal. I've received conflicting responses : issue is resolved ; they'll correct & get back to me ; I should file a dispute ; it can't be corrected because I didn't make the request within 60 days, etc. My latest stmt dated XXXX still shows " Regular '' balance is XXXX, so I'm being charged 26.99 % interest on a balance I paid off on XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXXXXXX {$430.00} XX/XX/XXXX Account number XXXXXXXX XXXX {$2100.00} XX/XX/XXXX XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX $ {$520.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX {$21000.00} XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$680.00} XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX that a hard inquiry was made on my credit by " CREDCO '' on XX/XX/2019. I did not authorize or consent to this and I do not recognize the company. My credit score has now declined as a result.
Product: Credit reporting or other personal consumer reports

This debt does not belong to me as I left that apartment not owing anything.
Product: Credit reporting or other personal consumer reports

Experian are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US court of XXXX, ga, which is false. I have a attached a letter from the US court of XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, XXXX and experian is falsely stating this information on my credit report and have yet to remove this my credit report.
Product: Credit reporting or other personal consumer reports

XXXX account ending in XXXX was paid off and closed in XX/XX/year>. This bank has continued to enter incorrect information on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I received a graduation check from a family friend for XXXX dollars. I deposited it to a Bank of America ATM on that day and once I completed the deposit and did not have the check in my possession I received a receipt saying the funds would not be available to me until the XXXX of XXXX. I now did not have the check nor could I get it back. I thought this was a very strange and long hold so the next day ( the XXXX ) I visited a local branch that told me they could not assist me until the check had cleared with images the next business day. The next business day was the XXXX of XXXX to where I called boa XXXX number where the customer service representative was rude and short, answered me with sorry nothing we can do youll have to wait till the XXXX without even properly looking into the check or my situation. I called the local branch office I visited previously and the representative told me she was working on expediting the check and releasing the hold and I would hear something from her that Friday, the XXXX. Friday came around and I gave her a call and she said there was nothing that could be done there was a security hold on the check. So I waited over the weekend and still had no clearance or access to my funds. On XX/XX/XXXX, a week and half after I had deposited the check, I walked into another branch where the receptionist was very rude and told me there was nothing she could do and did not even let me sit with a financial advisor to look into my situation and turned me away. She also informed me that 5 other customers THAT DAY walked in with the same issue on a check being held for longer than normal. I called the family friend that gave me the check and she informed me that the funds were taken out of her bank account earlier LAST WEEK. So I called a XXXX number again asking where my funds were if they were cleared from the original bank account a week ago, but can not be seen or accessed in mine. She informed me it was a security of funds hold and they still had received no payment from the other bank and there was nothing she could do about it, even though I had proof that the funds were released from the original account a week prior. No one can answer me on why my funds are not able to be seen in my account and where are they now? This is money I was planning to live off of before I started my new job at the end of the month that I now have to wait two weeks to have access to, even though the check has been processed and removed from the family friends account. I have no history of bouncing checks and no other delinquencies with Bank of America. I will never hold or trust my money in any Bank of America account ever again. I feel very robbed and wronged and will advise anyone else I know to never open an account with them. There is some serious lying and fraud going on inside of Bank of America and they should not be allowed or trusted with hard working Americans money.
Product: Debt collection

This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. Let me be unequivocal : if you persist in denying my rightful dispute, I will not hesitate to pursue legal action against your bureau and any other entities involved in this gross negligence. I am prepared to take this matter to court and seek significant damages for the distress and harm caused by your willful noncompliance. Here are the accounts I needed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE A FRADULENT ACCOUNT ON MY CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and still noticed that I had charge off on an account that I never made has in collection for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been in debt for account ( XXXX ) ( XXXX ) Please investigate and provide proof with stamens showing that these accounts was in charged off or never been paid. If proof can't be provided I demand these payments or charged off be updated to on time as they should be as NEVER late or charged off or remove this account from my credit report this is my second time requesting this problems and made several disputes with Equifax and now them want to placed this for 7 years more in my report, please take action in this matter thank you.
Product: Checking or savings account

I am inquiring about the evidence Chase has to feel they are by law to freeze my account and my retirement & social security and unemployment funds. i need to know what steps are they taking and are they taking any to rectify this situation immediately? And what is the time frame are they seeking to continue to hold my funds. I know this is a vendetta because XXXX XXXX and his executive office made as a XXXX discrimination tactic and corporate XXXX  against me am XXXX XXXX  consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to delete the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be deleted are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have been checking my balance with Capital One. It seems when I make a payment toward my balance it seems my account balance goes up. I do use this card to purchase some items from XXXX. Each and every time I make a larger payment, my account balance seem to go up. I also notice when they increase my amount of credit I am charged that credit in interest, and when I make a bigger payments they increase the amount of my credit balance, and the amount I owe and interest is based on the new credit amount. I believe that they are responsible of the lowering of my credit scores. 

I do not believe I owe the amount that Capital One claims I owe. This has been going on as long as a year or more. I want them to fix my interest, balance, and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification
Product: Checking or savings account

I opened a checking account on XX/XX/20. I set up a login and password, and was able to login. 

On XX/XX/20 I tried to login, and was unable to. I got a message " M & T has blocked online access to your accounts. If you would like to request that we reinstate access, or if you feel this block was placed in error, please call an M & T Online Customer Service Representative at XXXX ( Mon-Fri XXXX, Sat-Sun XXXX ET ). '' So I phoned and, after about 20 minutes on hold, spoke with XXXX. 

XXXX asked me to verify my identity by giving her the first 5 digits of my SS #. This is very suspicious, as usually I am asked for the last 4 digits. I gave her the first 5 digits, and she looked into my account. She said that she would send me an email to further verify my identity. 

Per the email, I received a text requesting a photo of my driver 's license. This is also suspicious. I took a photo of my drivers license and sent it to the number that texted me. Then I realized that the text asked me to click on the link in the text to send her a photo of my driver 's license. I clicked on the link, which brought me to a page explaining how to take a photo. I clicked on " continue, '' but it didn't continue - after several minutes the page still hadn't changed. This is also very suspicious.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.