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

This Vehicle was involved in a car accident not at my own fault XXXX XXXX. As a result the car was towed and later totaled by insurance. In the months of XXXX, XXXX AND XX/XX/year> Payments were still made on this loan in full by bank auto draft even without the car being in my possession due to the major accidentXXXX XXXXXXXX also notified me when contacted by me that my car had been repossessed the day after payment due date even after a payment was made. As proof on my payment history I have always paid XXXX XXXX and XXXX time every time. Even without the car in my possission due to auto accident.As a result I was reported to credit bureau for negative response.
Product: Credit reporting

I have a credit monotoring service after a breech in my personal information with a hospital I attended. I received an alert that XXXX has made a hard inquiry to my credit reports. I already have a credit account that am currently paying off from XXXX so I sent a message via online to XXXX asking who had authorized the credit inquiry. I spoke to XXXX on saturday and was told that this was forwarded to the fraud department and flagged so no credit increase or credit account was open but they did create higher security features to my account so that no one can use make any changes to my account without my verbal consent. I am not only working to improve my credit but do not have any interest in obtaning a higher credit with kohls. XXXX is aware that this inquiry was not mine and suggested I speak to the credit agencies to have this inquiry removed since nothing was changed in my account. The incident was flagged and nothing happened as a result. YOu may contact XXXX directly to confirm this. I ask that you please remove the hard inquies as i have not authorized these.
Product: Student loan

The loans that were paid out I was not in school at that time. I received grants that paid the full tuition. I advised Navient that the school should not of accepted any payments from them and it should of been returned however now I 'm be held responsible and I also show late payments on my credit report from a loan I knew nothing about or repayment options. I just did a consolidation and IDR and received two condescending repayment options. One say so have to pay {$63.00} and another says I have to pay {$14.00}. At this piont I 'm not even sure if I should be held responsible for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$3200.00} XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXBalance  : {$20000.00} XXXX  XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

there are accounts account 's on my credit report that are subject to identity theft. the accounts listed below must be removed immediately. 
name of creditor amounts date opened on report listed. 

XXXX amount owed {$520.00}. 
date opened XX/XX/XXXX XXXX  XXXX XXXX XXXX. 
amount owed {$290.00}. 
XX/XX/XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION.

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN general to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER gave any consumer.

reporting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

Time sensitive letter that they have no record of No explanation of whyMortgage recast eligibility under XXXX that needs to be received by1/31/22 No address to send it to Cant discuss terms because they are unaware and nobody to escalate Supervisors and management unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
STATE OF MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Checking or savings account

On XXXX my bank withdraw {$2100.00} from my personal bank account for payment for my business account credit card. They told me it was a offset payment and there nothing I can do to get my money back. I never authorized this payment and never agreement to such proceedings. I added the money to pay rent and living expenses for the month.
Product: Credit card or prepaid card

On XX/XX/19 I spoke with XXXX at Capital One, who advised me of plans to bring all 3 of Capital One Accounts update. For the first credit card he advised me if I paid XXXX on XX/XX/19 and then another payment of XXXX on XX/XX/19, the remaining past due balance of XXXX would be waived. Then for the 2nd card I was advised I needed to make one single payment of XXXX on XX/XX/19 and the remaining past due balance of XXXX would be waived and for the last card. I was advised to make a single payment XXXX on XX/XX/19 then past due balance of XXXX would be waived. I asked XXXX multiple times if this information was correct and he assured me everything he was saying was accurate. I made all the following payments on the given dates, only to contact Capital One on XX/XX/19 and to be advised the information was incorrect or they had no idea, or the payments just made my account current and they would have to review the calls, As a Capital One card holder, I think their business practices are scrupulous and what makes it so bad it was on a recorded phone line and their reps should not give false information in order to get a customer to make a payment. On XX/XX/19 I spoke with a very condescending and rude rep by the name of XXXX XXXX, who first claimed the call was from XX/XX/19 then she placed me on hold and came back on the line and claimed the the rep didn't provide me this information, and I requested to speak with a Manager or someone else the rep refused.
Product: Debt collection

This company ( Penn Collection ) has been calling my number for several months. At some point in the past they woke me up before XXXX with their call and I answered. They asked for a specific person but I don't know who this is. I've never heard of them. I told them I don't know them and they thanked me and said they'd update their records. Weeks later the calls resumed. I'm still receiving them and almost always before XXXX.
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.
Product: Money transfer, virtual currency, or money service

I send XXXX dollars to buy a phone of a buy sell app called XXXX and as soon as I send the money I was blocked the person I send it to name was XXXX XXXX well that is what he said his email was XXXX he send pictures of the phone he wanted have up front and the other when I receive the phone he was supposed to mail after he got he the money today but have not heard from him since he has totally blocked me want answer please help
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belongs to me ... inaccurate information showing on my credit report
Product: Mortgage

XX/XX/XXXX : Signed contract with builder XXXX XXXX to build new house in XXXX, VA. Paid {$5000.00} earnest money deposit at this time to begin process. XX/XX/XXXX : Spoke with NVR Mortgage, who is XXXX XXXX 's lender, to start pre-approval process for VA home loan based on military XXXX pay. XX/XX/XXXX : Met with XXXX XXXX of NVR Mortgage to sign documents to start the pre-approval loan process. XX/XX/XXXX : Received job offer from XXXX XXXX XXXX XXXX due to XXXX from XXXX XXXX on XX/XX/XXXX. This job results in over {$30000.00} pay cut. Previously not aware this high of a pay loss was going to occur during transition from XXXX XXXX military to the civilian sector as a XXXX XXXX, XXXX. XX/XX/XXXX : Accepted job offer with XXXX XXXX XXXX XXXX to start XX/XX/XXXX. Gave notice to XXXX XXXX, XXXX XXXX, stating I am receiving pay cut from {$97000.00} to {$60000.00} and do n't believe I can afford a home of this XXXX come time to close on house XX/XX/XXXX. I do not believe I will be approved for a home loan with this yearly income. I plan on joining the XXXX XXXX XXXX XXXX, however, do not have orders stating this will occur as of yet. XX/XX/XXXX : Spoke with XXXX XXXX XXXX, XXXX XXXX, regarding loan approval. Lender stated unlikely approval would occur with projected yearly income. XX/XX/XXXX : XXXX XXXX, sales representative with XXXX XXXX, stated I had to submit a letter of reason stating why I wanted to end the contract with XXXX XXXX and submit a letter of " termination '' from my employer in order to receive the earnest money deposit back and cancel the contract. I submitted this statement of reason to XXXX XXXX as well as my XXXX stating end of XXXX XXXX service with the United States XXXX on XX/XX/XXXX XX/XX/XXXX : Received a notice of Default of the Purchase Agreement from XXXX XXXX, XXXX XXXX, stating I 'defaulted ' on the contract and would not receive my earnest money deposit back of {$5000.00}. XX/XX/XXXX : Submitted statement to XXXX XXXX, XXXX XXXX, serving notice I do not agree nor accept the terms and conditions of this termination letter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent anc address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I received a credit card charge yesterday for {$1.00} for something I did not sign up for. Following the charge on XXXX, I was led to " Your Score and More ''. After 15 minutes, the service line ( that I had to dig for a long time to find, as the one on the website is clearly fake ) finally answered and it sounded like someone was loudly watching football. Preprepared script attempting to upsell and wouldn't take no for an answer until I said I was going to report them.
Product: Debt collection

In XX/XX/XXXX, I received a letter stating I owe {$5200.00} for a medical bill at a hospital in XXXX XXXX, NV where the date of service was XX/XX/XXXX. I relocated from XXXX XXXX in XXXXXXXX XXXX XXXXXX/XX/XXXX, more than a year prior to this date of service. I responded to the collection agency notifying me the bill is not mine. I called the hospital and spoke to the billing department and was told I would have to allow them time to research this account number because NONE of my personal information identified ME and it didn't even show up as a bad debt in the hospital 's system. I received a call back the same day and was told the account was for a minor that ONLY had the same last name as mine that was brought in as a juvenile under the care of XXXX XXXX Police to receive medical treatment while under their custody. I again, have resided in another state since XX/XX/XXXX and have had NO business or affiliation in XXXX XXXX, NV since XX/XX/XXXX. Because I have NEVER been a patient of this hospital, they said they don't have my SS # NOR my Birthdate on any of their hospital records. They only had an address ( in which I have NEVER resided, nor do I know anyone at that address ). I sent a notarized response with this information, and they responded with an itemized bill for a XXXX XXXX XXXX which corroborates the information the hospital provided me with that a minor was treated. 
I then sent another notarized letter on XX/XX/XXXX response requesting further verification to prove that I am the person responsible for this minor child ( which of course I have no children with a name even remotely CLOSE to the one that was treated ). I requested ANY copies of ANY agreements signed by ME obligating me to pay the debt. I also requested a copy of documentation of my signature with the provider of service to release my 'alleged ' medical information to Aargon Agency , Inc ( collection agency ), I asked them to provide me with valid license numbers and registered agents per correspondence, and to cease any credit bureau reporting until the debt has been validated. I sent the letter requesting this information notarized and with a tracking number. The letter was delivered on XX/XX/XXXX and have received no response since.
Product: Credit reporting

Address information - Current is XXXX XXXX XXXX, XXXX XXXX XXXX. 
My informaiton has been mixed with my brother 's information. The following information needs be removed and placed under SSN XXXX instead : Personal Information - XXXX XXXX XXXX,, XXXX XXXX XXXXAccount information-XXXXAccount # XXXX XXXXAccount # XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount # XXXXAccount # XXXXAccount # XXXXAccount # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Additinally the following info is also inaccurate : Former Address2 - XXXX XXXX, XXXX, XXXX belong to XXXX XXXX XXXX ( USPS ' mistake for not able to tell the difference between " XXXX '' and " XXXX '' ) Former Address3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX belong to XXXX XXXX XXXX ( my brother )
Product: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX XXXX XXXX XXXX  - {$1000.00} XX/XX/2021 XXXX XXXX XXXX XXXX - {$3900.00} Ok this is where it started. 
These two people obtained my phone while I was sleeping and they pursued to send themselves money from my venmo balance so I disputed these charges in a few days later venmo found the dispute in my favor and resolved it and gave me back my money and then they asked me to verify my account at this present time I had not had a updated ID my ID was still expired from the covid experience that we all just had and I had not yet obtained a new one so I had submitted my original documents that I had opened the account with and they had told me that they were outdated expired and they couldn't accept them and then they put a hold on my account shortly after that I had went and gotten me a Texas driver 's license and I submitted them that documentation and they still insisted on rejecting that and not giving me any good reason why they just kept asking me to reverify reverify reverify and it seems like every other time I emailed them or they emailed me it was a different account specialist or somebody and support but it was never the same person more than three times ever in our entire correspondence I even had an executive from the escalations department contact me from XXXX telling me to resubmit my info and that he was going to look into my account that was almost 3 weeks ago and I've never heard from him again. 

I've called several times and I always get the same answer that there is nobody there to talk to that can unfreeze my account that it's all done through email and if there is no other possible way to talk to anybody besides the support team that they hired out third party So to say the least my phones have been shut off I am currently borrowing somebody's phone to even report this to it's been over a month since I paid my rent or any of my bills because I work for myself and it takes money to make money and when venmo wraps up all your money and won't let you have it you're not allowed to make money or pay your bills I'm. currently being evicted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXX ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}. XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I took a loaner instrument for my daughter 's band flute while her instrument was at The XXXX XXXX, a XXXX affiliate, being repaired. On the last day of school my daughter gave the flute to the employee of the band room that comes to the school to exchange the instruments. So from XXXX until XX/XX/year> I was not in possession of either flute. In XXXX they sent me a termination letter. When school started back up I returned to the XXXX XXXX to get a flute for my daughter and they told me that they still have her same flute and that the loaner was indeed returned and I could come by and pick up the flute. They also told me that I should not have had any charges while the flutes were not in my possession and that the payments would resume as they were before. I continued to make my monthly payments then one day I got an alert on my credit report that I was 120 days past due. I have been disputing this ever since. I spoke with the XXXX of XXXX and they said they had no record of any loaner being taken out or returned and that if I could find the paper they gave me 6 months prior and proof that the loaner was returned then they would delete the late payments. The XXXX XXXX informed me that they don't keep any recorded for more than 30 days since it is all transmitted and stored with XXXX. But when I call XXXX, they don't have these records either. It is their responsibility to keep these records on file, especially if they are reporting to the credit bureau, even if it is improperly. I have been requesting any kind of records from them since XX/XX/year> in an effort to get the inaccuracy deleted from my credit report. Beyond that, I did not give consent for them to access my credit report or did I open this account knowing that they would report to the credit reporting agencies. They never reported to the credit bureaus until the account was reported as 120 days late. They are still actively reporting on my credit of the accounts ongoing history. I do not know this to be in any agreement that I made and I feel they are being predatory, misusing my personal information, improperly reporting on my credit report and refusing to provide validation for the information that is being reported. I decided to pay off the flute in full. After the payment was received by them, I reached out in hopes of resolving this matter. XXXX then told me that my rental contract was extended for another year and that I still owed them more money! Even though I paid them what the asking price was to own the flute out right. After the conversation with XXXX, I called XXXX XXXX XXXX  and they told me that I had indeed paid my account in full and that I owned the flute out right. And that they were trying to find the records that XXXX has been requesting to prove the loaner flute was returned to the XXXX XXXX at the end of XX/XX/year>.
Product: Checking or savings account

GOLDMAN SACHS SAVING ACCOUNT. 
Ive open an account and funded them, 6months after, they just closed my account and didnt send me my funds XXXX XXXXor more!
Product: Credit reporting or other personal consumer reports

I woke up one morning with a hard inquiry on my account from XXXX XXXX, I never banked with XXXX XXXX before so this was concering. I called they the credit bureaus and they put a lock on my credit and gave me a passcode.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX AND XXXX  XXXX XXXX XXXX