23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX Navient prevented me from receiving a lower rate. When the interested rates were changing refused to release my loan information to the lender from the government who promised to lower my loan. I am not XXXX in debt. One loan was XXXX it is now over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Vehicle loan or lease

Im 2003 my grandfather XXXX XXXX address XXXX XXXX XXXX XXXX, LA XXXX financier a 2003 XXXX XXXX VIN XXXX. He financed it with Iberia Bank which has changed names to XXXX XXXX then again to First Horizons which is the name its under currently. I went into the bank the first of XXXX and again in XXXX asking for a Loan Satisfaction letter. I was told they word send it to the DMV to check with the DMV in three weeks. I have checked several times and the Lien has not been removed. My grandfather passed away 12 years ago the truck has been on my property since that time. The bank either needs to clear this leon or they can pay me storage for the 12 years it has sat here. This is ridiculous they know the loan was paid if not they would have repossessed it. The bank didnt have to wait for their money they should have cleared it once they were paid. 
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit card

Capital One Bank USA NA has reported the wrong balance on a tradeline with XXXX during a dispute. I have had a XXXX balance on my Capital One Bank USA NA credit card for several weeks. However, on XX/XX/year>, Capital One Bank USA NA reported that I owe them {$570.00}, which is inaccurate. Capital One Bank USA NA is also reporting an inaccurate second duplicate account ending in XXXX. Both inaccuracies reported by Capital One Bank USA NA is currently causing an adverse impact of a negative credit score with XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised as a result of the Equifax security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.
Product: Money transfer, virtual currency, or money service

Ref : XXXX Western Union replied on XX/XX/2023 as below : Western Union relies on the information provided by the sender and would have no way to know that any of the information provided was no longer correct. Prior to completing the transaction, Western Union provided you with a Pre-Disclosure Statement ( PDS ) that listed the destination, receiver 's name, amount to be paid, fee, the amount your receiver will get in local currency, date of availability and the exchange rate at the time of sending the money transfer. By funding the money transfer, you are accepting the terms presented on the PDS. 

My concern : 1. Who reads the tiny fine print before making a transaction. The Sender trusts the service provider ( here being Western Union ) and makes the transaction, with an intention of making the funds available to the receiver at the earliest. 
2. If WU states that they rely on the information provided, why did WU not take correct steps and retrieve the transaction when I raised a concern within 2 days on non-receipt of the funds by the mentioned beneficiary? 
3. In this process, does WU authorize the transaction themselves or they have a banking partner in the receiving country? If the banking partner found the name mismatch against the account number, why did the banking partner not hold the transaction for even a single error? Who should be held accountable for this ignorance/ oversighting? 
4. I agree there was an error in typing 1 digit incorrect. But WU reply ( dated XX/XX/2023 ) states that they do not have a process in their app/portal to retrieve information before hitting the SEND button to verify if the information is correct or not. So, if they agree there is a flaw in their system, why shall I bear the loss for a system error? 

Summed up : My mistake : - Typo of 1 digit. But, I tried to verify the information before hitting the SEND button, but the Account details were masked and WU site does not have the option to verify the full account information of the beneficiary. 

WU mistake : - 1 ) Their app/portal do not have the option of verifying the information before hitting the SEND button. 
2 ) If the beneficiary name, bank location and account number is a mismatch, why was the transaction not HELD and verified back with me before transferring the funds?

3 ) Why did WU not take immediate action when I called WU within 2 days of not receipt of funds by the beneficiary by recalling the funds sensing my repeated calls? Why were the representatives not proactive enough to ask for more information to resolve my complain immediately, instead they kept on saying the funds were released and they can not provide more information. Why can not provide more information when it's my money?

4 ) If WU has a bank partner who authorizes the transaction, the payment authorizer also ignored/ overlooked the details of the transaction. Had that person being vigilant enough, this blunder wouldn't have happened. 

Sir, Madam, my only urge is the dispute resolution authority should settle my claim and process the full refund at the earliest.
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 Account Name : XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of my personal information was inaccurate The only address that should be reporting on my file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also found inquiries that I don't recall giving permission. The following needs to be investigated and corrected for erroneous reporting in my file 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, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested that both the credit reporting company and XXXX investigate the account that is listed in the letter and have not heard anything back from them in about 120 days
Product: Debt collection

It began when my relatives kept receiving phone calls that I owed to a payday loan company that I never took a loan out on. My relatives gave me the debt collectors contact info, and I returned their phone call. They proceeded to say that they had served me with an affidavit to an address I have never dwelled in, XXXX, and that this was an issue of a loan taking out in XX/XX/XXXX. I checked my bank statement to corroborate their story and I did not receive any fund in the timeframe they are accusing me of. I proceeded to explain this and asked if they could send me a copy of this affidavit, and they proceeded to say they do not bend over backwards for people that did not pay their bills ; than when I preceded to say it was public record, and it should not be that difficult they hung up. About a week later the same company called me this time after my relatives said they would report them. They proceeded to tell me the same song and dance, and I told them it is XX/XX/XXXX the fictitious debt you trying to collect is too old. Than they said you live in this state or this state, and I said neither, than they said where you live, and I said if you have an affidavit for my arrest you should know. Than, I got transferred again I told this individual that I was in the military at the time of this so called payday loan and military members are not allowed to get payday loans, and they said that 's not true, when indeed it is. And I told him if I had a warrant out for my arrest I would not be able to have a job that has a XXXX, which I do. He than proceeded to yell and scream and call me a scumbag that does n't pay my bills, I could n't do anything but laugh because they got caught in their own scheme, and were getting mad at me, then they hung up. I received one more phone call with them stating they have my commanding officer 's information from a base I have not been stationed at for years, and I told them good luck with that, than the hung up on me again.
Product: Checking or savings account

I called in today to file a dispute and spoke with a rude representative who got an attitude because I asked where I can send supporting documents in regards to the claim I was trying to file. As I explained that US Bank has a consistent issue with not providing any request for information before making a decision on a dispute claim ; I wanted to make sure I provided the information as best they can review the matter and complaint in full. She then came back to the line with a nasty attitude and immediately gave me a name to email the documents to. She started to give me the name as I asked her to wait while I grabbed a pen as she literally did not give me any warning or heads up that she was going to be providing me any information I would have to take down as soon as she felt the need to just blurt it out. As she gave me the name of the representative she did not offer any spelling at all and this name could have been spelled several different ways so for me to sit here and have to inquire as to how to spell a name for a formal legal dispute process which are within my rights under the account contract I have with US Bank in itself is a hassle as well as the federal and state rights I have to file this type of dispute. After giving me the email the agent was still extremely rude. She did not even tell me if a provisional credit would be issued, when it would or would not be issued, nor any estimated time frame on the dispute process she very quickly went into dismissing and ending the call. So now my concern is that why was this the process with previous complaints as to providing such said information and why is it not the process now as well as is this information just not going to provided to me versus being provided to other customers it poses several civil and federal class protections as to why this agent so choose to purposely neglect to provide this information as if US Bank already decided on the matter and thought the formalities were irrelevant.
Product: Vehicle loan or lease

I contacted Bridgecrest XX/XX/2019 and spoke with XXXX to discuss the inaccurate information on my CBR. I'm currently on a payment plan paying {$290.00} every 2 weeks. I was never advised when I set up the plan, rather by phone speaking to rep ( back XX/XX/2019 ) or via the online portal, that I would continue to report delinquent during the plan. 

I'm currently in the process of purchasing a home and that's when I noticed that I was reporting 3 months past due. However, I have continued to make my agreed upon payments. 

During the conversation with XXXX, I advised that I understood the first delinquency hit as I set up the arrangement after the account was already 31 days delinquent. The days delinquency referenced was provided by XXXX during our conversation as I was unaware how far behind, I may have been. XXXX stated she saw where Bridgecrest tried to contact me prior to the payment arrangement to prevent it from hitting my CBR. She advised that if I SPOKE with someone I would have known. However, I did speak with someone and it was never brought up. 

I asked if there was someone, I could speak to that would help me rectify this. She advised that all disputes would need to go through the credit agencies. 

Several times during the convo XXXX advised that she was reviewing notes and dates incorrectly. I'm sure she is very proficient in her knowledge of how to read account notes, there were times that the information that was shared was " off '' as she stated that she doesn't show when I spoke with someone. It wasn't until I gave her an approximate time frame when she was able to locate. She also was referring to emails and texts that were sent as " phone calls ''. 

XXXX was very patient, and I believe she did all she could do at that time. I would like to be able to have my credit bureau report updated to reflect only 1 month past due and not 3. I failed to note that XXXX did state during the call that Im reflecting " current '' or " caught up '' now. Again, I'm showing past due for XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX p.m I made a phone call to Transunion in regards to a dispute that states that accounts are accurate and remain will remain on my credit report. The associate that i spoke to by name of XXXX XXXX stated that within their investigation they reached out to the creditor ( debt collector ) and they informed Transunion that my social security number, my phone number, name and address belongs to me and that the account and debt is mine. So in end result Transunion used that as a method to determine that account is verified and accurate. I explained that the debt does not belong me and that these debt collectors are required by the Federal Law to consent with me in regards to information being reported on my credit report. All she said was i am sorry. I gave her the federal law 15 usc 1681 ( a ) ( e ) that states that a investigation should be conducted by contacting neighbors, associates, and family and I asked XXXX XXXX if that was done and she said no. She explained that they only reach out to the dent collector. After that conversation I spoke with the Supervisor XXXX XXXX at XXXX with the same concern and nothing was being done to resolve my issue. I also explained that I have dispute on my credit report because a bank forged my signature without my consent. I told XXXX XXXX that i have proof of it with supporting documents. I asked him what if XXXX XXXX lies and say that the information i state is not true what would be the end result? The supervisor XXXX XXXX said then they would end the dispute and mark the information as verified on behalf of the bank. Transunion does not care about the consumers and they break the federal law all the time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit file. I am a victim of a data breach, and these items were fraudulently created without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete these accounts and inquiries from my credit report. 
Unauthorized Accounts XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$360.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$4800.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$1900.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$730.00} Unauthorized Inquiries XXXX. CAPITAL XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX  - Date : XX/XX/XXXX
Product: Debt collection

XXXX XXXX from Insight Management Partners, repeatedly contacting myself after being told do not contact, then proceeding to call sister, sister in law, my work place, my wife 's work place, and mother in law giving details of debt to them. when told by them that he has the wrong number, he tells them that i gave him that number as a back up contact. all false. there has been 5 phone calls today XX/XX/2020 already as of XXXX XXXX PST. he has been calling at least 3-4 times daily. he has been asked several times not to call these numbers threatening lawsuit. this is harassment and needs to stop.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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 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 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

Made several calls to creditor as well as credit bureaus. made dispute with credit reporting agencies including sending letters.agencies are very beligerint and refuse to take action. this is not my account. Transunion  & XXXX  still have not taken any action. 
XXXX  removed derogatory mark.
Product: Credit reporting or other personal consumer reports

I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. 
I reached out to American Express. They DO NOT SHOW THIS ACCOUNT REPORTING IN MY NAME OR SOCIAL. They refer me back to XXXX. And once again I am getting the run around and victimized by the credit bureau and the creditor repeatedly. 

So, if American Express says " they are reporting this account under the correct persons name and info NOT mine '' so why is XXXX refusing to remove this. I am caught in a trap of ignorance at XXXX and blatant refusal to remove an account that is clearly NOT suppose to be reporting in my name.
Product: Credit reporting or other personal consumer reports

The information being reported has been settled with the original owner midland keeps posting old information on credit report when its over XXXX XXXX XXXX that doesnt belong to me
Product: Credit card

Synchrony Bank has decreased my line of credit on BOTH my Sam 's Club Card AND my Amazon cards citing that I have balances that are too high AND citing that I don't have real estate on my credit report. I can't help that and I feel these actions are unjustified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is  XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX