23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$620.00} ; XXXX XXXX XXXX ... . Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  DELAWARE XXXX .... Balance : XXXX ; XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXX .... Balance : {$18.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX. Balance : {$2000.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXX XXXX XXXX XXXX. Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about buying a car and the dealership said they would only run my credit for XXXX but they ran it thru multiple companies these are the Inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OKLAHOMA XXXX XXXXXXXX XXXX XXXX XXXX, EXPERIAN 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 A, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report for a loan my computer was hacked and so was my XXXX XXXX online account. I need this inquiry removed within XXXX hrs.
Product: Credit card or prepaid card

I paid off my balance on XXXX/XXXX/17. Unbeknownst to me I was a day late. I incurred a {$30.00} late fee twice and XXXX {$2.00} minimum balance fees. I thought my bill was paid off but what was happening was a bill of fees. Very unethical standards for this XXXX account held by Commenity
Product: Debt collection

Portfolio Recovery has called me more times than I can count. Initially, I had spoken to a representative and let them know that I was and am currently unemployed, so even if the debt they were attempting to collect was valid, I have no means of repaying at this time. I informed their representative that I have never entered into an account with them and requested that they not contact me further. However, the agency named continued to show on my caller ID. Sometimes multiple times in a day, sometimes multiple days in a row. The calls come early in the morning, late in the evening, on weekends. It's been near constant and has actually prevented me from being able to complete viable job applications on my mobile browser, interrupt XXXX  interviews, and disrupted timed tests and quizzes connected to upskilling trainings I was in the middle of taking. I have tried blocking the calls, however they seem to have an unlimited supply of spoofed phone numbers as I've blocked at least twenty separate phone numbers and they continue to call from more. This harassment is XXXX XXXX XXXXXXXX, and therefore impacting my XXXX  and further limiting my ability to look for gainful employment.
Product: Credit reporting or other personal consumer reports

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

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. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Unauthorized inquiries 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

As of Sunday XXXXXXXX XXXX I was alerted from my Identity Protection account and now please freeze my accounts.
Product: Debt collection

On my XXXX and XXXX credit report an unknown Company and account shows up named PORTFOLIO RECOVERY ASSOCIATES account # XXXX I have never had any Business with this Company, I have never signed an agreement with this Company I have never signed a contract with this Company After searching on the CFPB Database I have noticed that PORTFOLIO RECOVERY ASSOCIATES HAS ALMOST XXXX Customer complaints!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 this is stopping me from getting an apartment, job an continuing my life
Product: Debt collection

VALIDATION AND CEASE AND DESIST Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Debt Recovery Solutions, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Student loan

I am writing in regards to Granite State Management Group who was sold my student loans to following college graduation to pay back these loans. I unfortunately had no money in the economy downturn crisis coming out of college of XX/XX/2007 and did what I could to pay off the loans accordingly. I had a few late payments to which they recorded in my opinion on my credit report 4 different times between the accounts. Now over 6 years later I contacted them in regards to working with me to take these off and they had no care to and just directed me to file a complaint and let y'all take it from there. I do understand that at the 7 year mark is when these red flags should taken off my credit report to which I will make certain that does happen before then or on that very date. i am so close it would make sense that they are taken off promptly. Let me know what you all need from me to keep this inquiry alive.
Product: Credit reporting or other personal consumer reports

This complaint is being filed against the furnishers of information and all three Credit Reporting Agencies ( XXXX, XXXX and Transunion ) for violating my privacy by reporting accounts on my consumer report without my verbal or written consent as it is required by law. Furnishers of information ( the financial institutions ) as defined in 15 USC 6801 do not have my consent to report my non-public private information. Although the credit reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumers right to privacy as stated under 15 Usc 1681. The Privacy Act of 1974 prohibits the disclosure of records about an individual from a system of records absent the written consent of the individual. Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions it states a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. So the reporting of my nonpublic personal information like my credit utilization is a clear violation of my federally protected consumer rights. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. As it relates to 1681 ( b ) Permissible Purpose and 1681 ( c ) XXXX, XXXX and Transunion are all violating compliance procedures under this title. I reserve the right to disclose my nonpublic personal information to all non affiliated third parties. The reporting of the timing of payments and the credit utilization are not to be reported on my consumer report. My report should only contain one name and one address because I have one primary address all others are non mailable addresses. Im expecting that these demands be reflected on my consumer report immediately as permitted under 12 CFR 1016.7. It is my request that the furnishers of information provide documentary evidence of me giving them written consent to share my nonpublic private information with anyone in the form of a SSA-89 and or form SSA-3288.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to Lexis Nexis and they have failed to investigate those disputes or even respond to them. They are in violation of the FCRA and the TX XXXX XXXX. 

My Lexis Nexis reports contains multiple inaccuracies to include email addresses, phone numbers, public records, and outdated information that is well beyond the 7 years in which it is allowed to report. They have continued to report this inaccurate information for over a year now violating my consumer rights. Additionally, they have provided information to insurance companies that is inaccurate. Fabricated accidents and claims have caused me to have to pay significantly more in premiums. Lastly, they are reporting this information or verifying this information with the major credit bureaus causing issues for me to get approved for credit. 

When I resubmitted the dispute, they asked for a copy of my driver 's licenses which is not required to dispute inaccurate information. It was provided to them ; yet the disputes were never processed. 

Failure to validate the information disputed within 30 days, the information disputed MUST be deleted I have confirmed that the information is still reporting.
Product: Student loan

I sent this request to the servicer, Firstmark Services, regarding my private loan to attend The XXXX XXXX of XXXX on XX/XX/XXXX. 
Firstmark Services denied my request for cancellation of my private student loan on the basis of fraud and misrepresentation by the school I attended. 

" My name is XXXX XXXX, with Firstmark Services account number XXXX, loan number XXXX. 
I am writing for more information on how to apply for cancellation of my private student loans on the basis of fraud and misrepresentation by the school I attended. 
I attended The XXXX XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX This school has been recognized as a predatory for-profit school by the US federal government and by the Federal Trade Commission and has cancelled student loan debt due to the schools fraud and misconduct. 

I am entitled to a process for private student loan relief because of the schools fraudulent claims and misconduct. 
The school promised job placement, ease of obtaining a job due to the education received and higher wages due to the education and attendance to The XXXX XXXX. All of which did not occur. The school also alluded to the salary of these jobs would offset and be able to cover the high tuition in time, which it does not. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$580.00} This is my follow-up complaint to ensure the investigation of the listed accounts.
Product: Checking or savings account

OnXX/XX/XXXX I made an {$150.00} ATM withdrawal at the Wells Fargo ATM branch near my home. The ATM provided me only {$100.00} so it was shot {$50.00}. I went inside the branch and was immediately advised it's not their fault and they have nothing to do with the ATM. I was instructed to leave and call the XXXX number on my card to be reimbursed. In addition I was also instructed to make a second withdrawal of {$50.00} to cover my shortage of {$50.00} from the initial withdrawal. Later on XX/XX/XXXX I called and filed a dispute # XXXX. I have repeatedly asked for a timeline when this will be resolved and have not been provided any date or timeframe for review. I have also asked for a credit of {$50.00} to be placed in my account while they review the dispute and this has not occurred. The branch advised settlement for Saturday takes place on Monday XX/XX/XXXX and they could easily verify that I was not given the {$50.00}. I've still not received my money back. Wells Fargo seems to place barriers to intentionally discourage me from receiving a refund or receive clear guidance on a resolution timeframe. The branch employees do not know or understand the policies of the ATM services group. Perhaps Wells Fargo intentionally keeps funds from certain ATM withdrawals in hopes that customers will not notice or pay attention. This is Unfair and Deceptive treatment of a customer who has never filed a dispute.
Product: Credit card

Capitol One credit card company makes collection telephone calls to numbers they obtain and maintain in their file that do not belong to the credit card holder and are family members, NOT THE CREDIT CARD HOLDER. Additionally, they are leaving personal information on the generic voicemail 's ( the voicemail does not identify who the phone belongs to ) relative to the credit card holders name, the reason for the call, the company they are calling from and they are willing to work out a resolution to resolve the collection issue. When I called them to advise they are calling family members and leaving this information, they requested I give them the numbers of all family members so they can remove them from their file. I explained the person that they seek to contact does not live in the USA and does not have a telephone number, therefore, there should be no number on file at all. It appears they are using public information to obtain the numbers of family members without regard to privacy laws. I have made several telephone calls to Capitol One and am transferred to several departments. I am asked the same question, " which numbers should be deleted from the account? '' I respond the same way. ALL OF THEM. I also have reminded them in each call, several times that leaving a message for a specific person, with specific private information on a generic voicemail is a privacy violation. This needs to cease. If they are doing this to one person, I am confident they are doing this to others.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that are false and did not come from me. I have inquiries from the following that I did not inquire about : 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 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: Mortgage

I purchased brand new home from builder on XXXX last year in AZ and apply the loan at same time from builder Mortgage department and loan the approved with my high credit score quickly.the close date in XX/XX/XXXX this year, because I was in XXXX since XX/XX/XXXX, on XX/XX/XXXX I signed standard rate lock agreement .since the close the close date I couldn't by ticket back USA because virus no air tickets.so I asked to delay the close date on XX/XX/XXXX, the builder agreed it and I asked the loan department they said the lock date is expire on XX/XX/XXXX, the loan officer requested me to provide all documents to apply the loan once again, I was in XXXX I couldn't provide those documents also it is not enough time by close date on XX/XX/XXXX, I asked builder I can't take back deposit if I could't close on time.so I only borrow the money for all cash pay for my new house in AZ. I was just wondering they are same company, they haven't connected with close date and nobody informed me the first close date on XX/XX/XXXX is extension and loan still didn't ; t released, if loan officer can informed earlier, ,I still can get the loan, the builder and loan officer all knew I was in XXXX XXXX I have a big lost in this new house .and I still pay the rate lock fee over {$3000.00} by close escrow.
Product: Checking or savings account

XX/XX/23 my bank of america savings account was drained to pay for a closed account that had fees. The mobey they snatched from my savings account was a gift from friend to pay my back rent. I asked for reversal, bank refused, even though i tokd them i needed that money to pay rent or i woukd be homeless and they were unsympathetic as i cried on the phone. This is XXXX and im astonished big bank woukd really not give me that money back!!!!! Today i will be thrown into the street at XXXX XXXX XXXX with my XXXX XXXX XXXX XXXX. We are both sixk and know nothing about being homeless. Im begging u please help me. I will not be long for this world if i dont get my money back so i can pay my rent.
Product: Debt collection

I was contacted by someone claiming to be a compliance officer working for XXXX county courts stating I was being sued. She said location services has been looking for me to serve me paper work for a lawsuit. I asked who, why and when and she had no answers other than youre in big trouble and need to call this number. ( XXXX ). 

I contacted the number and learned that this was an old bank debt and I was in fact-not being sued or pressed for legal action. 
The officer told me her job is to locate me and my FAMILY because they would be held responsible if I am unable to be located. 
The intimidation tactics that the compliance officer used caused me to clock out of work immediately to contact the number given thinking I would be arrested. I lost 6 hours of pay dealing with a frivolous threat that was just an old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This inquiries below was made without my knowledge or consent and is negatively affecting my credit report. 

Creditor : XXXX Date of Inquiry : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX. 
Date Of Inquiry : XX/XX/year> Credit : XXXX XXXX  Date of Inquiry : XXXX XXXX