23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and Toyota. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with XXXX police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And Toyota was paid in full and apparently that payment went to a different payment address and it took Toyota three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
Product: Payday loan, title loan, or personal loan

Titlemax I feel set me up for failure in regards to my car. Lender regulations state the Lender must verify income, check expenses to see if borrower can repay the loan by the due date. Clearly a single mother who made {$10.00} hrly could not afford a {$510.00} interest payment alone muchless pay down the loan. XXXX knew I had been having an issue coming up with that outrageous rate, my son had been in a serious XXXX and I made her aware of this. I also brought to her attention that no one verified my income to see if I am even able to afford such interest, no one verified my insurance and no one offered to help me at this time or offer me a way to keep my car. My car was taken Wednesday XX/XX/20 and no one contacted me to tell me where my car was or where I could get my belongings. Three days went by and still I had heard not one thing! I finally contacted XXXX and was told her hands were tied and she couldnt help me save my car. When speaking to the tow company he personally told me XXXX is the one I would deal with as she is the one who sends him to pick up the cars. She basically avoided dealing and helping me. This is our only transportation to and from work and school. My car is now being sent to XXXX to be auctioned off and I have yet to get any help from Titlemax or offer a way I could afford in paying for the loan. My car is worth {$10000.00} and my loan was only for {$3500.00} with an interest of {$510.00}. Ridiculous crooks! So because of their unfair business tactics and not willing to work with me to keep my car, Im out {$10000.00} and thats exactly why my income was never verified and I was set up to lose my car. The fact that she knew I was struggling to make those high of payments and not one time offer any kind of assistance to help, shows how low and crooked this company and XXXX are. When Texas band this practice I hope she looses the shirt off her back for how this affects my family and her inconsiderate attitude. She basically trapped me and I hope this company gets sued til they have nothing left. When she knows the regulations and she doesnt abide by them, then she personally owes for my car.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CAP XXXX XXXX
Product: Debt collection

I filed bankruptcy in XX/XX/XXXX included BOA I reached out to them and they still have me owing XXXX from XX/XX/XXXX they coded as dismissed and the the XXXX that was owed same day they marked as XXXX they will not change this and the have me on XXXX XXXX as well with negative item showing I had malice in XXXX I ask BOA and XXXX systems why are we talking about this from 13 years ago This is a complete violation of the law and my rights what happen to things falling off in 7 years XXXX we are at 13 years and they are reporting me with a Discharge XXXX  XXXX I still bank with this bank and I was not notified of this and he proceeding to try and collect when I explained I had a XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I would like to report fraudulent usage of information. 

XX/XX/XXXX at XXXX I received a phone call from Phoenix Financial Services indicating that I would be held responsible for services received by another person. I strongly believe this is fraud. The agent XXXX indicated that an individual named XXXX ( No last name provided ) utilized my information for services that occurred at a hospital in XXXX of XXXX, and that it was being sent to collections. I expressed to the agent that I do not know a XXXX, nor did I utilize these services and would like to report it as fraud. The agent identified that I would need a police report of this to dismiss.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called cbna and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with equifax directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Account XXXX : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was never authorized to share personal credit reports with 2nd, 3rd or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Product: Credit card or prepaid card

Capital One froze my account because I made too many payments to my Visa. I made/make multiple payments because the credit limit is low and I preferred using this card to get the maximum rewards cash back. They refuse to unfreeze my account at this time because they need to call my banks ( XXXX and XXXX XXXX XXXX ) to verify my checking accounts / debit cards are really mine. They haven't been able to reach my banks with the numbers they have and will not call any other number that may be listed. I've done nothing wrong since these accounts are in my name only and have been targeted for harassment by Capital One due to my prior XXXX XXXXXXXX bankruptcy. I want this restriction removed immediately!
Product: Checking or savings account

I changed my phone number because of harassing robo calls and telemarketing calls. when I log into my TD Bank account online it sends a code to my phone, well naturally I couldn't do thid once I changed the number, so I first tried to fix the problem by calling TD Bank 's customer service number XXXX XXXX XXXX ( please call this number yourself and experience waiting on hold for 30 minutes plus ) after holding for 41 minutes these idiots tell me I have to go into the branch to do this. so Thursday I take off a 1/2 day off to go into the TD Bank at XXXX and XXXX XXXX in XXXX Pa, I went to an XXXX XXXX XXXX and she asked for my id and td bank card, so I gave them to her. now this was about XXXX Thursday XX/XX/19 and still today the XXXX site still doesn't have the new number displayed its still showing the old number, so I still cant log into my account. I want TD Bank 's XXXX FINED. and I want to be compensated for my time. the worthless site needs to be revamped, it doesn't make sense that a customer has to go through this. and you get one of their sorry XXXX apathetic apologies when you complain to them.
Product: Credit reporting or other personal consumer reports

It was incredibly shocking to find inaccurate accounts on my credit report this evening, and Im at a loss for an explanation. I check my report routinely, and its always been correctuntil now, when errors appeared out of the blue. I refreshed my browser, thinking it was a temporary glitch, but the inaccuracies stayed. Given this, I request that the documents I provided be examined closely to prevent this from ever happening again.
Product: Credit reporting or other personal consumer reports

Between XX/XX/2024, EXPERIAN received my dispute on this XXXX account showing on my credit report. 

OnXX/XX/2024, EXPERIAN updated & verified the account instead of following the law. 

EXPERIAN you are in violation. Update this account to PAID ON TIME IMMEDIATELY, I have cited the FCRA law XXXX  had unlawfully violated. And I have also attached forms supporting my position on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX  XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, XXXX all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of XXXX  under a po box for our safety, I will provide a private settlement amount. The XXXX of XXXX XXXX of XXXX XXXX  XXXX was used as the reason for the suspects to XXXX  my family and I. XXXX XXXX Account # XXXX and any association to XXXX   under my ssn is fraud. XXXX XXXX XXXX, XXXX Was created by XXXX XXXX to assist with scams and illegal child adoption and more XXXX  on innocent. 
XXXX account # : XXXX XXXX : XXXX  XXXX  XXXX XXXX, XXXX  XXXX fully controlled and used for criminal leverage and crime same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a crime report, I have no known health issues. 

Thank you for your continued service, God bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX
Product: Credit reporting or other personal consumer reports

This unauthorized inquiry was made by the creditor without my knowledge or consent! Please remove and block these inquiries promptly!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XXXXXX/XX/XXXX -- {$640.00} XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am a federally protected consumer and Debtsy Inc has violated me under the provision of 15 USC 1692. Please review attached documentation.
Product: Mortgage

My husband and I applied for HAF ( Homeowners Assistance Fund ) through XXXX XXXX XXXX Ohio. We were deemed eligible and approved on XX/XX/2022 File # XXXX. I have been in contact with XXXXXXXX XXXX XXXXXXXX and they have now sent out ( 3 ) payments under the program to Summit Funding. I keep getting calls from Summit Funding asking me if I want to continue with Loss mitigation or go with the HAF program. I have told them now FOUR TIMES over the past month and a half that we are going through the HAF program. We have not signed off on loss mitigation and we are not going with that program. I have sent multiple emails to Summit Funding loss mitigation department with NO RESPONSE. I have also spoken with XXXXXXXX XXXX XXXXXXXX and they said they are sending payments through the treasury department but apparently Summit Funding doesn't see them coming through. I need to know what is going on. I filed a complaint a few months ago and Summit Funding responded saying as soon as we were approved through HAF they would work with them and accept payments. Now here we are and no one can tell me anything. Our mortgage is showing that we are still months behind despite the HAF making payments on our behalf. We are approved for behind payments and 6 months after until XXXX. We feel like they are trying to make us go with the loss mitigation and that is not what we are doing.
Product: Money transfer, virtual currency, or money service

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX
Product: Credit reporting or other personal consumer reports

To : { XXXX, XXXX, Experian, XXXX to include any other reporting agency! } Subject : Request for Removal of XXXX  Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been DISCHARGED by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my XXXX loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of XXXX XXXX records. As my XXXX loan debt information may fall under the purview of FERPA, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a XXXX borrower. 
2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from XXXX before disclosing their education records. If my XXXX loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly. 
XXXX. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of XXXX records, I kindly request that you investigate the reporting of my XXXX loan debt and take necessary actions to ensure that my rights under FERPA are upheld. 

I request that the Consumer Financial Protection Bureau review the reporting of my XXXX loan debt in light of FERPA and take appropriate measures to address any potential violations of the law. 

Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required. 

I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed. 

Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

My social ended up in a data breach. I tried to freeze the ability to use my social for credit requests and was unable to do so. In this climate of failed cyber security it is imperative that people have more control over their SSM and credit health.
Product: Mortgage

I contact Wells Fargo Mortgage Modification department on XX/XX/2019 to request assistance due to hardship experienced by my family ( separation ; loss of employment ; medical health scare ; loss of my newborn grandson ). I was instructed to submit documentation through the portal. During the process I was informed I needed to include my estranged husband on the loan modification ( due to our existing status, he is currently not available to me ). I was then informed that we could eliminate the need for him to submit documents by providing a Quit Claim Deed. I finally had someone contact him and got the Quit Claim Deed signed and recorded. I noticed online that they were still requesting a Separation Agreement. During this process I continued to send emails to XXXX XXXX to advise of each step that I had taken to get the documents to her. I also requested that she acknowledge receipt of my communications and documents. I contacted Wells Fargo via telephone and was informed that I would require either the Quit Claim Deed OR the Separation Agreement. I was specifically informed that I did not need both via telephone conversation on XXXX when I called to report I had attached Deed. Today I called Wells Fargo and was informed that my case was being closed ( although the deadline to submit this Divorce Decree requested by Wells Fargo is XX/XX/2019 ). Wells Fargo did not provide a good faith effort to do a Loan Modification. I can pay the mortgage, I just need assistance with the arrears. 
Initial Contact ( Ms. XXXX " XXXX '' ) XX/XX/19 ; Documents uploaded onto portal XX/XX/XXXX ; Email from XXXX XX/XX/XXXX requesting additional documents ; Email to XXXX   attaching W2 and advising re Divorce Decree request ( no response back from XXXX   ) ; Email to XXXX XX/XX/XXXX advising husband willing to sign Deed and requesting an acknowledgement from XXXX of my communication ( no response ) ; Email XXXX attaching executed Deed and requesting acknowledgement of document and whether other documents are required ( no response ) ; email XX/XX/XXXX forwarding time-stamped copy.