23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My husbands student loan is currently being serviced by National recoveries inc. we have been trying to get his student loan out of default since XX/XX/XXXX. The loan servicer said we had to make 9 consecutive payments to get him out of default. We have our payments set up for automatic withdrawal and they said they also need the loan agreement which we have signed and mailed in twice and they said they need reference we told them we do not have any reference to give them because we are already making the payments each month we don't want them bothering our friends and family. They said even if we still make the payments and send in the loan agreement with out the reference they wont take the loan out of default and still try to take my taxes each year. We are not applying for a new loan so we don't know why they need reference if we are already making payments the women told us they need the reference so in case they can't get a hold of him but every time they call he answers. Its not right that they say they wont take him out of default even though we are making automatic payments. It's like they trying to hold us hostage for our friends and families phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account with Transunion. Transunion claims that this account is validated but the response is violating the requirement set by 15 USC 1681i 3 ( C ) and 15 USC 1681i 4.

In the dispute I asked for 2 things : Transunion provides a copy of 1099 that send to me for the charge-off. A copy of the disclosure document that I signed allowing XXXX to furnish this item on my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Content of notice and Consideration of consumer information I am requesting the following : Copy of the disclosure document that the bank provided stating that I gave permission to disclose the information. Transunion and XXXX are violating my right to privacy. 
Documentation of the steps and process that Transunion used to validate this account. 
How the data that I provided was used in the validation process. 

If Transunion can not provide this information, that confirmed that Transunion acted unfairly validation of this account. 

All my most recent attempt to talk to Transunion have resulted in their associate hanging up on me.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I am a victim of identity theft, and I recently discovered an account on my credit report that does not belong to me. I request that this account be investigated and removed, as I should not be held responsible for fraudulent activity. account name XXXX XXXX XXXX XXXX  account number XXXX or XXXX
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 items 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 items which is found to be opened due to identity theft. The dispute items 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 ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent letters to XXXX ( tracking number # XXXX ), XXXX ( tracking number # XXXX ) and Equifax ( tracking number # XXXX ) directing them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 : I have the right to privacy, and according to 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer XXXX : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX XXXX, XXXX XXXX, Untitled 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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. To support my claim I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX 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

There are accounts, addresses, and inquiries listed on my credit report that don't belong to me. Please remove them.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I ask US bank to look into this case and return my money
Product: Debt collection

Synerprise Consulting services is in violation of multiple laws set forth by Congress in regards to the following account # XXXX XXXX U.S.Code XXXX ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Synerprise Consulting Services ) making the report. Additionally, 15 U.S Code XXXX XXXX ( a ) ( 1 ) ( A ) states that A person ( Synerprise Consulting Services ) shall not furnish any information relating to a consumer ( ME ) to any consumer third party reporting agency including but not limited too XXXX, XXXX, XXXX, etc..... If the person knows or has reasonable cause to believe that the information is inaccurate. Svnerprise Consulting Services can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. 
By Definition, the IRS Clearly says a Cancelled debt or Charge off which is a Certificate of Indebtedness is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from Synerprise consulting services for the cancelled debt of {$4000.00} in order to file as ordinary income. Where is the XXXX, Synerprise Consulting Services has clearly written off the debt thru the IRS on my behalf without my knowledge. I hereby put Synerprise Consulting services on NOTICE they are furnishing inaccurate info. In Synerprise Consulting Services Terms and conditions/ privacy policy ( screen shot provided ) they agreed to not share my personal information with third party affiliates which includes but is not limited too XXXX XXXX XXXX XXXX and XXXX. CFPB is the only True Bureau and they do not furnish consumer reports as stated in Federal Law.I have the right to privacy and Per the privacy act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 5 U.S. code XXXX this will be affective immediately and indefinitely. 
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC XXXX this will be effective immediately and indefinitely. I shall also point out their responsibility pursuant 15 U.S. Code section XXXX ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX  and EQUIFAX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had lost my credit card ( capital one ) somehow purchases and payments were still being made. This person, has been pretending to be me since then, ( email addresses, social media profiles, my drivers license, and threats from the other victims ). I filed 2 police reports around that time when this first happened to me. 

I created a report to dispute many credit cards that were under my name with XXXX. In XX/XX/XXXX, I received a bill from Capital one saying I owe them over 8 thousands dollars I then created a report and started the process. However my investigator that was on my case, told me in XX/XX/XXXX, that everything has been resolved, and to ignore the bills that I keep receiving because the process takes a while. Once I received a bill I contacted capital one and they are saying there is no fraud, even when my investigator told me everything is good to go. 
I have called capital one for 3 weeks, no answer or no call back. He is the only one who can work with me. I tried to get help from others, but they told me only this guy can help me because he was working my case. 

I am in a situation where I have no idea what to do or proceed, if nobody from capital one will help me.
Product: Debt collection

This company calls numerous times day, multiple times a week. When answered, they will not identify the business matter. They will also not leave messages. The debt is a charge off by a different company. They have also sent letters through XXXX for direct delivery which is just dropped on the doorstep. They are harassing me and now they are threatening to sue. I recieved a letter on XX/XX/XXXX that I got off my doorstep via XXXX that saysI 'll be sued if i don't respond. The letter is dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i got a call from a collection agency sayin i owe {$890.00} an dont 15 USC 1692g validation of debt i ask for 18 USC 8, I owe no debt, this company and 3 bureau is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information
Product: Credit card or prepaid card

TD bank- XXXX XXXX credit card has called my personal phone to harass and annoy me into paying my monthly payment. Answered their call on XX/XX/2022. The call lasted 10 minutes and 35 seconds. I explained my situation to the agent and requested some assistance since I had been out sick for 8 months and my work XXXX benefit had not been sent my pay in a timely manner plus my expenses increased due to illness. I was provided options which I informed the agent I would consider and contact TD Bank as soon as I had the amount owed or the amount to settle. 

Here is a list of all the times I have recevied a call from TD Bank : XXXX - I was recuperating from Covid, XXXX XXXX, XXXX XXXX and pnemonia. 
XX/XX/XXXX Incoming XXXX 2 sec Incoming XXXX 15 sec Incoming XXXX 5 minutes 30 sec XXXX I returned to work XXXX XX/XX/XXXX after 8 months ill. 
XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX 10 min 35 sec XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX Did not answer XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX missed Incoming XXXX did not answer XX/XX/XXXX Outgoing XXXX AM- 1 second ( hung up on me ) Incoming XXXX missed Incoming XXXX did not answer Incoming XXXX 6 seconds ( no one answered and hung up on me ) XX/XX/XXXX Incoming XXXX 4 seconds ( no one answered and hung up on me ) Incoming XXXX 2 seconds ( no one answered and hung up on me ) Incoming XXXX 2 seconds ( no one answered and hung up on me ) XX/XX/XXXX Incoming XXXX did not answer I blocked the number after XX/XX/XXXX and the following calls have been blocked but my phone still shows me that TD bank has called. 


XX/XX/XXXX Incoming XXXX XX/XX/XXXX Incoming XXXX Incoming XXXX XX/XX/XXXX Incoming XXXX Incoming XXXX The calls from the month of XXXX have mainly been received during my work hours I work from XXXX to XXXX Monday-Friday. 

I am overwhelmed by the amount of calls received in one day, and more so by the 20 calls received in the month of XXXX. 

Clause violated 22 times ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX  oclock antemeridian and before XXXX  oclock postmeridian, local time at the consumers location ;
Product: Debt collection

I hope this letter finds you well. I am writing to address the recent late payments on my account with CXXXX XXXX  and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Friday, XX/XX/XXXX I contacted TD bank ( XXXX ) at XXXX XXXX to report that my home had been burglarized and that among other items, my wallet was taken and that I needed to cancel both my debit and credit card. While on the phone with the customer service agent, I informed them that the ATM withdrawals that had occurred overnight were not authorized by me. I also asked the customer service agent for any and all information about where and when the transactions were made, as the police were currently processing my home as a crime scene and needed as much information as possible ( a vehicle was also stolen, so this was not simply a case of petty theft ). The agent provided as much information as possible and informed me that before I could file a fraud claim, I would have to allow the transactions to " post '' and then call back. In addition to my debit and credit cards with TD bank, my wallet contained personal information such as my SSN, birthdate, address, health insurance information, etc. I completed a victim disposition, and was given a police report to bring with me when I called TD bank for the fraud claim. On XX/XX/XXXX, I visited a TD bank in person and explained the entire situation in person to a customer service agent who was by then able to file a fraud claim. I provided the copy of the police report to prove its validity. TD sent me a letter on XX/XX/XXXX stating that because the fraudulent transactions were made using a PIN ( confidential information ) that my claim was denied. However, my PIN is a combination of my SSN/birth date and the fraudster was able to guess it since he had all of my personal information available to him. There is video surveillance of the fraudster attempting my pin multiple times at the original ATM terminal before getting it correct. This is not a case of irresponsibility OR guilt by the bank 's client ( myself ), who entrusted the bank to securely hold funds. This is a case of a criminal breaking into a locked home, ascending a flight of stairs, and burglarizing my home while I was asleep, unaware in another room. The bank is not upholding its simple duty to its customer, who is a local XXXX XXXX and can not afford to be denied access to {$1200.00}.
Product: Bank account or service

Opened online account on XXXX/XXXX/16 at HSBC. I was contacted on XX/XX/XXXX via email requesting additional documentation which I sent in. I called on XX/XX/XXXX requesting a status update on my account. I was told that that person who was handling my account would contact me. Over two weeks later HSBC has my information they requested and I do not have a status for my new account opening.
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 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 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

Fraudulent accounts have been attributed to my credit file that are NOT mine and I have NO knowledge of these accounts nor have I received any goods or services from these accounts and inquiries. 

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

To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items.

I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights.

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Dept EducationXXXX 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose