23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX XXXX located in XXXX, PA from XX/XX/XXXX to XX/XX/XXXX. In order to attend XXXX XXXX I received private student loans through the National Collegiate Trust. Upon graduation in XX/XX/XXXX, I have experienced difficulty paying my loans back due to poor wages and the birth of a XXXX child. However, I have done my best to keep NCT in the loop. At this time I am currently back in school full-time in order to obtain a better job so that I may pay back all of my student loans. All of my other student loans are currently in forbearance. I am not working, I am in school full-time. NCT has hired XXXX XXXX to handle the collection of the balance, despite the fact that XXXX XXXX XXXX manages to the payment schedule. XXXX XXXX called me XX/XX/XXXX and indicated that if I did not pay the loan or my cosigner did not pay, then NCT would liquidate the loan. At this point the associate indicated that they would then go after my co-signers ( my mother ) bank account and income. It is my understanding that this is improper behavior on the associates end and is threatening in nature. At this point no judgement have been rendered, so threatening to wipe out my bank accounts is egregiously out of line. It is also my understanding through research and communications with American Educational Services and National Collegiate Trust that XXXX XXXX is a scam.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I have asked credit bureaus to show proof that i opened these accounts by sending me a application bearing me signature, they have yet to do so, I never gave authorization to open these accounts
Product: Consumer Loan

extremely high interest. they offered a very high interest loan and continue to e-mail me every other week with an " offer '' and it 's always much higher than before.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

I Received Notification That A Collection In The Amount Of {$50.00}, Was Added To My XXXX Credit File On XX/XX/XXXX By XXXX XXXX ... Reported Date XX/XX/XXXX By XXXX XXXX XXXX/Capio Partners LLC ... This Same Company Had Added This Same Collection {$50.00}, Using Just Capio Partners LLC As The Company In XX/XX/XXXX ... .This Was Disputed Online Directly Thru XXXX, At That Time And It Was Removed ... I Have And Am Working Hard To Maintain My Credit Worthiness And Companies Like XXXX XXXX XXXX/Capio Partners LLC is Placing Collections On Peoples Credit Profile Without Any Notification Is Just Plain Wrong ... Included Is Documents To Support My Statments ....
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

APPLE CARD/GS BANK USA XXXX
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 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 an 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

on XX/XX/2020 XXXX XXXX at carrington wrote that he wanted to see the inquiry pulled by carrington on myself, he was provided this information and he has failerd to act per his response to delete inquiry, mr XXXX was provided credit report XXXX inquiry yet he has failed to act within the 60 days he promised .he stated he could not find inquiry i have provided it to him in black and white below was sent to mr XXXX XXXX interactive inquiry CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : XX/XX/2020
Product: Money transfer, virtual currency, or money service

Lady was supposed to buy items for one price and do a cleansing ritual for me, but she say she at the market and needed another {$60.00} after Ive already paid her {$75.00}. I asked for my money back and nothing.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX Credit Acceptance on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/year> Inquiry from CREDIT ACCEPTANCE on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX /XXXX XXXX with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX
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 Concur Financial ProtectioXXXX ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 actio have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Consumer Loan

My wife and I have a joint loan with GM Financial for the purchase of our XXXX XXXX. I believe we got the loan XX/XX/XXXX. My wife, XXXX XXXX, filed for bankruptcy and it was discharged XX/XX/XXXX. GM Financial will not let me speak with them about my account because of this and more importantly, they are not reflecting my timely payments that I have made for a year now. I am trying to refinance the vehicle and am getting turned down because GM Financial refuses to have my payments reflected on my credit report. I believe they are unlawfully doing this. Can you please help me to get GM Financial to reflect my payments on my credit report? Thank you so much.
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 XXXX 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 a personal credit card account opened at XXXX XXXX SER on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$52000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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

XX/XX/2017 {$1000.00} wrongfully reported false information. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account number:XXXX  of XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have two credit cards with Capital One Bank ending with XXXX & XXXX. My debit card was compromised I tried to change to a new card but the company website wouldn't allow me to change. I did an online chat in XXXX, XXXX & XXXX of 2019 & was told I couldn't change payment form via website only thru the app. I don't use the app & have never heard of such a thing. I was forced to download the app but I have a company phone & it blocks certain sites & transactions & isn't for personal use. So I've been forced to continue using a compromised email & debit card. I explained my situation to customer service on two occasions & got no help just a run around.
Product: Checking or savings account

I have had my information stolen and money taking out of my account due to being signed up with Wells Fargo identity protection plan without my permission now I have money lost and cant open account anywhere I was sent a check that is not nearly what I should get from all this
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false, inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting. 
agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOWS : EXPERIAN IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit.

personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Debt collection

I get 3-4 calls a week and have for the past two years from Republic Finance looking for XXXX XXXX. I have repeatedly told them I am not him, and that this used to be his number but that it has been my number for 3 years now. I have asked them over and over again to please remove my number from his profile and to stop calling me. I do not know XXXX nor have any way of contacting him. Yet, they continue to ignore my requests and keep calling me. I have tried blocking their number but still get calls.
Product: Credit reporting or other personal consumer reports

TransUnion has two collections account on my credit report as past due : XXXX XXXX XXXX shows a past due balance : {$1000.00} XXXX XXXX shows a past due balance : {$3600.00}
Product: Student loan

I noticed on XXXX that the loan amounts that I owed was not accurate. I asked Mohela to update the amounts and eventually they did but they need to be more diligent with this as this greatly affects credit score. Young people may not be aware that their loan servicers are not updating the amount and that is not OK. It is the responsibility of the servicer to show that the loans are being paid off and to update the credit bureaus. 

My private information was also taken without my permission and this is in violation of FERPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my consumer profiles. I've contacted all parties involved numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They are still harassing me in reference to this debt. I've asked XXXX, XXXX, Experian to reinvestigate and provide with the procedure they used to verify this information. I refuse this debt. I NEVER gave anyone permissible permission to share any of my private nonpublic information. Consumer Reporting is voluntary. I never gave consent!! No consent is identity theft!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to dispute an account that was previously removed by Equifax due fraudulent activity Equifax has continuously denied me my legal right under the Fair Credit Report Act section 605b and section 611 by not blocking the fraudulent account : XXXX XXXX. Not only have denied me my right as a victim of identity theft, they have not giving me any justification other that they have received electronic verification from the aforementioned lender, the FCRA states that I am entitled to full disclosure from the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus are not abiding to the 30-45 day response on my disputes
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on my credit report this information is incorrect under 609 fair credit they need to verify all information on this account including address dates history if can't be verified please delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I disputed items on my Experian Credit report that does not belong to me on XX/XX/2023. As of XX/XX/2023, I have not received any response. As a result, Experian is in volition of the Fair Credit Reporting Act. I then sent out a second letter on XX/XX/2023
Product: Bank account or service

I would like Scottrade and Scottrade Bank to review their security policies and provide clarification on the following issues:1. ) Scottrade and Scottrade Bank claims in their Online Security Guarantee that Scottrade and Scottrade Bank have the right to review a computer in the event of an account takeover event, in what cirumstances will Scottrade and Scottrade Bank utilize this and how long does Scottrade and Scottrade Bank typically hold the compute for. 
2. ) Has Scottrade and Scottrade Bank fully vetted and confirmed the fidelity of information and services provided by XXXX. I would assume since XXXX is being investigated for a criminal matter that Scottrade and Scottrade Bank at least reviewed their use of XXXX as a third party service provider. 
3. ) How often and on what dates have Scottrade and Scottrade Bank updated their online Security Guarantee. 
4. ) Does Scottrade have any plans to implement two factor authentication? 
5. ) Review attached.