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

I am a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over 10 years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX # XXXX has been reporting negative on my profile since XXXX XXXX XXXX # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX # XXXX XXXX # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Product: Checking or savings account

The company closed my account told me that I would receive my check from the account after 60 days they never mailed the check they gave me the run around for months they also didnt tell me that I couldve closed my account until it was to late all my money is gone and they wont give me no information. They investigated me 3 times or they used the word verified my checks XXXX and on the last time they closed it this put my company behind and Ive basically lost a contract due to the profiling.
Product: Checking or savings account

I used XXXX several times in the past and in the beginning, I have sent money to friends, family, or merchants and I might have misspelled their name or had the wrong number and I sent the money accidentally to the wrong person and I was never warned that there was no way to get my money back so I lost a lot of money. I guess after so many complaints, there is a warning now that makes you going back and double check before you push send but not in the past.
Product: Debt collection

When checking my credit reports I noticed that this XXXX XXXX XXXX is reporting that I owe a debt in the amount of {$390.00}. The original creditor shows as company by the name of Check into Cash INC and I have no idea who either of these companies are and have never taken out a payday loan with the company Check into Cash. I have searched both companies and have discovered several complaints, accusations of fraud and lawsuits. I have never been notified of this so called owed debt ; by phone or mail. This account just showed up on all three of my credit reports without any notice or opportunity to challenge the validity of the account. Both companies appear to have a history of shady business practice and refuse to fall victim to whatever scam is being ran. 

This account needs to be deleted from all three credit bureaus. This is not my account and I am not sure how this company obtained my information but they need to lose it and remove this account from my credit reports ASAP. If the account is not removed for all three credit bureaus I will have no choice but to seek legal advice and take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two account that say they are BB and T, I am currently in the hospital with XXXX XXXX and I know nothing about these account
Product: Student loan

I am writing to formally dispute the account listed under my name with XXXX XXXX. While I am currently enrolled at XXXX XXXX, I believe I have been a victim of identity theft. The account in question was created fraudulently, without my authorization or consent. 

Details of the Fraudulent Account : Creditor XXXX XXXX XXXX Current Balance : {$3500.00} Account Type : Education Loan Date Opened : XX/XX/year> The documentation provided in association with this account lacks the necessary evidence to prove my involvement : XXXX. No Wet Ink Signature : There is no physical, wet ink signature confirming my authorization or consent to this loan. 
XXXX. No Valid Identification : The documentation provided does not include any identification proving that I initiated or agreed to the terms of this account. 

As a victim of identity theft, I understand that the creditor and reporting agencies are required to take this matter seriously. Prompt action should have been taken to verify the legitimacy of the account, and I am requesting immediate corrective measures to remove this fraudulent account from my records. 

Relevant Laws Supporting My Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unverifiable information. The reporting agency and creditor are required to investigate and remove any unverifiable data within 30 days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : If your company is involved in collection efforts, under 15 U.S.C. 1692g ( b ), you must cease all collection activity unless valid proof of the debt is provided, including my consent, identification, and a signature. 
XXXX. Identity Theft and Assumption Deterrence Act : If this account was created without my consent, it is a federal crime under 18 U.S.C. 1028.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following XXXX XXXX XXXX NCAC Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and Associate General Counsel XXXX XXXX XXXX Senior Vice President Enterprise Fraud XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal XXXX TRANSUNION XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  jXX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX {$560.00} JXX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I am writing after months of phone calls to XXXX and XXXX  XXXX XXXX that have gone nowhere and have not resolved what should require a simple fix. 

From XX/XX/XXXX-XX/XX/XXXX, I was a XXXX  for XXXX XXXX Member and earned an XXXX XXXX   Award. In XX/XX/XXXX, I submitted a payment request from XXXX  to XXXX in the amount of {$5300.00}. In the payment information submitted to XXXX, I specifically indicated that " Payment to be applied to Group C loans ONLY which are Direct Unsubsidized Loans from XXXX University. '' Please See Attachment, Page 1. The original loan amount for the Group C loan was {$5400.00} and so the payment of {$5300.00} would have nearly paid off the loan ( of course leaving aside the accrued interest ). XXXX received the payment but misapplied it. Instead of applying the payment to the indicated Group C loan, they applied the payment across all of my loans, essentially making no dent in any of them. 

I saw the error in early XX/XX/XXXX and immediately called XXXX. I spoke with a representative who indicated that she could see the error on their part in misapplying the payment and indicated that she would submit the request to have my payment reapplied. A few weeks later, my loans were transferred to XXXX XXXX XXXX so that I could participate in Public Service Loan Forgiveness.  At that time, I saw that the payment had still not been reapplied. I called XXXX again. This time, they told me, that although they had misapplied my payment and had notation of that in their system that there was nothing they could do. They indicated that it would be a simple fix and that I should contact XXXX XXXX XXXX and explain the situation to them. That has of course proven not to be the case. I have called XXXX numerous times with no resolution. The closest I have come was a conversation in XXXX with a XXXX agent named XXXX who indicated that she was submitting a request to Financial Management for the payment to be reapplied -- months later that has not happened. 

I have called XXXX numerous times and each time I am told that although they see the error on their part that there is nothing they can do. When I call XXXX, I am told that although they are the ones managing hundreds of thousands of dollars of my loans that they are in no position to do anything. I imagine that transferring large loans would sometimes require some adjusting, or correcting but XXXX is refusing to be at all responsive. 

Lastly, I just want to provide a bit of background on why this matters. I don't mean to be difficult but simply can not afford a mistake like the one XXXX made. I am a public interest lawyer, currently interviewing for positions. My dream job will likely pay {$45000.00} and I have over {$100000.00} in student loans. Fortunately, my law school will pay for the loans I incurred while a law student. I am however responsible for paying my XXXX loans. That is why I needed and requested my payment be applied specifically to my Group C, XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

in acorddance with fair credit act XXXX XXXX XXXX has violated my rights 15usc 1681section 602XXXX states i have the right to privacy 15 usc section 604A it also states a consumer can not furnish an account without my written permission or instructions XXXX XXXX reference XXXX XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX
Product: Checking or savings account

See attached. 

Succinctly put Truist has apparently converted funds on deposit ( or at least repeatedly denied me use of my funds ) in my checking account and retaliated against my complaining of such prohibited conduct by pretextually raising false roadblocks to delay or prohibit me from accessing my own funds in my name only on deposit. 

The bank video and audio recording equipment will show this malfeasance.
Product: Debt collection

Call was from client services at the following numberXXXX ( XXXX ) XXXX the representative did not provide their name asked for my personal information. I asked who the company was so I can submit a letter as I do not owe anyone as all my debts were included in my bankruptcy which shows on my reports. The representative was rude and argumentative.
Product: Credit reporting or other personal consumer reports

IN RESPONSE TO XXXX REPORT NUMBER : XXXX INVESTIGATION ID : XXXX I disputed several items on my credit report. XXXX XXXX XXXX XXXX account has not been updated to reflect the satisfied judgment. My attorney helped me reach an agreement with XXXX XXXX, attorney for Crown Asset Management, on behalf of XXXX XXXX. The judgment was paid in full, but the tradelines on all three credit bureau sites are not reflecting the payment and still reporting as if nothing has been done on the account. 

As a hard-working citizen willing to right a wrong, it is imperative that my credit report show that I fulfilled my commitment by paying the agreement as requested. The money received was contingent upon the agreement to release the judgment, and the credit report should reflect that the judgment was satisfied.
Product: Credit reporting or other personal consumer reports

Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) is amended by adding at the end the following : ( A ) consumer disputes with consumer reporting agencies over the accuracy or completeness of information in a consumers file are promptly and fully investigated and any incorrect, incomplete, or unverifiable information is corrected or deleted immediately thereafter ; Transunion did an investigation with results of the account VERIFIED AS ACCURATE AND UPDATED. The account had false and misleading information, in the original creditor, remarks, date, and payments received, violating Fair Debt Collection Practices Act ( FDCPA ). The account must be deleted and any and all attempts to collect shall cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit report, a late payment of 30 days from XX/XX/2014, for my home mortgage with XXXX XXXX. My mortgage with XXXX XXXX is a written contract and according to ARIZONA STATE LAW STATUTE 12-548, THE STATUTE OF LIMITATIONS FOR A DEBT IS 6 YEARS. This law supersedes the Fair Credit Reporting Act. I would like this item removed from my credit report as required by Arizona State Law.
Product: Money transfer, virtual currency, or money service

I sent so money threw money gram and it was reject and not pay and they will not responds, to give me my money back, I have call and email and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****,  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****,
Product: Debt collection

I have contacted Complete Credit Solutions Inc several times requesting validation of the debt that they claim I owe. They have responded multiple times by stating that they are not a debt collector but simply someone who purchased " my debt '' from " the original creditor '' which is in violation of 15 USC 1692e ( 12 ) - The false representation or implication that accounts have been turned over to innocent purchasers for value. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. This company isn't even licensed in my state to collect anything at all! 

They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants COMPLETE CREDIT SOLUTIONS INC. the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgements been obtained by any creditor regarding this account? 

Please provide the name and address of the bonding agent for COMPLETE CREDIT SOLUTIONS INC., in case legal action becomes necessary. 

I have only received The name and address of the alleged original debt collector, account number and alleged balance. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with Complete Credit Solutions Inc that says I have agreed to pay them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with Bank of America and filed a complaint with CFPB regarding the account. The account was closed prior to 2016 with a {$0.00} balance. Bank of America did not respond to my CFP complaint within 30 days and requested an additional 45 day. However, to date I have not received anything from them in response to the complaint.
Product: Payday loan, title loan, or personal loan

The original loan was for {$500.00}. It has since almost doubled due to interest.
Product: Payday loan, title loan, or personal loan

Hello! I have struggling to pay the installment loan off but, it keeps going up hirer ( balance ). I'm recently been added 29 % interest to loan. Also, they just now started charging XXXX for late fees. This is apart of our original loan agreement! With interest extra and late fees how will I ever get loan paid? Thank you
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 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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. 

Account Name : DPT ED/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 XXXX XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries 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

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 XXXX. 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 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX  Inquired on XXXX XXXX XXXX XXXX.
Product: Debt collection

Threatened to provide information to my grandmother after being advised not to call her phone number anymore. The debt collector repeatedly keeps on calling her and advised her that I owe debt and call past XXXX in the evening sometimes XXXX.