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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ; UXXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$180.00} ; XXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX : {$150.00} ; XXXX  XXXX XXXX XXXX {$110.00} ; XXXX XXXX Balance : {$200.00} ; XXXX  XX/XX/XXXX.
Product: Checking or savings account

I bank with Truist bank. On the dates of XX/XX/XXXX and XX/XX/XXXX someone duplicated my debit card and charged {$2100.00} worth of fraudulent charges at a XXXX XXXX in XXXX XXXX Florida using the duplicated debit card. I called Truist and let them know someone had duplicated my card and made fraudulent transactions using the duplicated card. Truist claims that their debit cards can not be duplicated so I had to be present and using the card at that time. However, I live in XXXX, Maryland and was in XXXX, Maryland at the time of the transactions at a work retreat. I have 19 people who can attest to my whereabouts on the dates the transactions occurred. I submitted proof to Truist Bank that I did not make the transactions and that I was not in Florida at the time of the transactions. I also walked into a bank branch on XX/XX/XXXX and Truist representative acknowledged this and cut up my cards and opened all new accounts for me. Now Truist is denying my claim of {$2100.00} even though their systems allow for duplication of truist debit cards. I repeat I was not in Florida where the transactions took place. I have proof of this. I did not authorize the purchases I have proof of this. Truist is liable and needs to refund me for the fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the CFPB under CFPB case : XXXX and I am unpleased with the results. Stated in the documentation provided by XXXX XXXX it is stated that they were unable to provide a signed copy of an application to provide, however used unsensitive information that can be found on the web to proof that I am owner of this account. I am going to ask for my previous demand for the late payments to be removed as I had auto-pay and the payment should of went through on XX/XX/2020 however there was an issue with XXXX XXXX on their end. Also it is reportedly unfactual to mark a payment for being 30 days late if the due date was XX/XX/2020 and you recieved the payment on XX/XX/2020. That's 12 days later due to an error on your systems, along with your reporting a payment for 30 days late when it was never 30 days late is infactual reporting on my behalf.
Product: Vehicle loan or lease

Entered into a consumer credit transaction with Ally Bank. Ally Bank violated several consumer protection provisions. Underneath of TILA, Fair Credit Reporting, Fair Credit Billing, and others. More details will be attached in exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I am writing to file a complaint against XXXX, XXXX, and XXXX. I believe that these entities are violating the Fair Credit Reporting Act ( FCRA ) by requiring consumers to pay a premium subscription in order to file a complaint. 
I recently received a business credit card from Capital One. Capital One made a hard inquiry on my personal credit report, but they also reported the business credit card to my personal credit report. This was illegal under the FCRA, as the FCRA prohibits credit reporting agencies from reporting information about business credit accounts on personal credit reports. 
I tried to file a dispute with XXXX, XXXX, and XXXX, but they all required me to pay a premium subscription in order to do so. This is a violation of the FCRA, as the FCRA gives consumers the right to dispute inaccurate or incomplete information in their credit reports for free. 
I am requesting that the CFPB investigate this matter and take appropriate action. I believe that XXXX, XXXX, and XXXX are violating the FCRA by requiring consumers to pay a premium subscription in order to file a complaint. 
Also i am writing to dispute the following information in my credit report : Hard inquiry from Capital One on XX/XX/2023 Business credit card account from Capital One I did not apply for a personal credit card from Capital One. They sent me a XXXX Credit Card for XXXX XXXX. The hard inquiry and business credit card account are both inaccurate and should be removed from my credit report. 
I am a sole proprietorship and my business is legally separate from me as an individual. Capital One is aware of this because I provided them with my business tax identification number when they sent me the business credit card. 
Capital One 's actions in making a hard inquiry on my personal credit and reporting the business credit card to my personal credit report were illegal under the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit reporting agencies from reporting information about business credit accounts on personal credit reports. 
I request that you investigate this matter and remove the disputed information from my credit report. I am entitled to have accurate information in my credit report under the FCRA. 
Fail to remove this inaccurate information will result in my company filing a complaint with the Federal Trade Commission ( FTC ) because If an entity violates the FCRA, they are liable for damages, including actual damages, punitive damages, and attorneys ' fees. The amount of damages that can be awarded depends on the specific violation. 
Here are some of FCRA violations in this particular case : XXXX inaccurate or incomplete information in a credit report. 
Failing to investigate a dispute in a timely manner. 
Failing to correct inaccurate or incomplete information in a credit report after it has been disputed. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX I hope this is helpful. Please let me know if you have any other questions.
Product: Credit reporting or other personal consumer reports

I had a auto loan with GM financial started in XX/XX/XXXX. The vehicle was repossessed XX/XX/XXXX, Charged off in XX/XX/XXXX. In XX/XX/XXXX the report changed to claim this vehicle was again reposessed. Each month thereafter, the status shows as XXXX until XX/XX/XXXX where the account changes to charge off. They claim the account was closed XX/XX/XXXX. I found this out when trying to obtain a new car loan. The bank denied me because my credit showed a repossession within 6 months ( they claimed the report said repossession was in XX/XX/XXXX ). I filed a dispute with all three credit bureaus. GM responded that the account is accurate, but updated the information. No changes have been made to the account. The time line still shows the same vehicle reposessed in XX/XX/XXXX, charged off in XX/XX/XXXX which remained the status until XXXX of XXXX when the previously repossessed vehicle was magically reposessed again. The status remains as XXXX until XX/XX/XXXX when the status changes to charge off. I do not understand how this information could be verified and considered accurate. The account should be closed as of the proper amount of time the creditor normally requires. A repossession can not be reposessed again! As a result of this erroneous information, I was denied the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the company 3 times ( 2 times by email (XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on XX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report. <P/>This refers to my XXXX account # XXXX, loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX. <P/>My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report. <P/>This loan was paid off as ofXX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history. <P/>After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
Product: Student loan

To whom it may concern, I attended XXXX university back in 2001 formerly named XXXX. I received my XXXX in XXXX XXXX I was so happy as a single mother with an XXXX XXXX little that I know it will be hard to find a job with my degree. I went back and received my XXXX in XXXX  XXXX XXXX, after I graduated it was still hard to find a job with my degree. I went to a XXXX college none of my credits were transferred due to XXXX not accredited. XXXX has a problem with omissions. For instance, they say they are accredited. They are, but only for a couple of schools. Many schools, including major universities and colleges, will not accept credits from XXXX.Myself and dozens of other students who attended XXXX College were told that the student loan monthly bill would be not be that much however it turns out that it is approximately {$800.00}. Also, prior to signing the loan agreement, the recruiter told myself and other students that we can transfer our credits to any college of our choice after we graduate from XXXX University however it turns out that XXXX University is non-accredited and credits can never transfer. That a was a big FAT LIE now I have a degree that I can not utilize and owing {$84000.00} or more in student loans please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website will not take my information. I have verified myself several times in calling them, and they tell me they will fix it but the phone continues to hang up. they transfer me and I have to verify myself again, still no luck. They tell me to call back the website is experiencing issues but still no help. ticket number XXXX on the phone with help desk, I've uploaded my documents to them but no luck as of today. I'm afraid they are giving me the run around and not helping me as the customer. NOTHING IS WORKING. It has been 6 months. you guys closed my complaint, with a response telling me to register on the website. but no luck. I'M STILL GETTING ERROR CODE " NH '' CALL CUSTOMER CARE
Product: Debt collection

This is regarding XXXX XXXX billing me for services on a home I sold on XX/XX/XXXX, which they were advised of before the sale. They even came out and did the final inspection for the sale. I noticed that it was on my credit report when I looked on XX/XX/XXXX, so I sent them a check for {$86.00} Check # XXXX thinking that would take care of it and get it off my collection report. But that did n't happen. Now they have turned it over to XXXX credit reporting agencies - Focus-RM on XXXX and Focus MGMT on XXXX.
Product: Vehicle loan or lease

The account is current with the payments However The account is being reported as past due. 
Also the account is incorrectly managed Is the vehicle owned by capital one or another financial institution? 
Am I the only owner or account holder in the vehicle account contract? 
My car was vandalised, may I return the vehicle back to dealership due to improper security lock the door lock? 
I did reported to my insurance company good to go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ... policy number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> MY ACCOUNT WITH WORTH FINANCE OF {$1400.00} PAYMENT STATUS WAS CHARGED OFF AS BAD DEBT, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

i was scammed out of {$15.00}, i paid someone {$15.00} for a product and they scammed me, when i realized they scammed me i went to refund it from cashapp and after a couple tries they didnt let me try to refund it anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND THEY WERE INACCURATELY PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I DID NOT SIGN ANY CONTRACT TO CONNECT ME TO THOSE ACCOUNTS, I AM REQUESTING THAT YOU PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS AND IMMEDIATELY REMOVE THESE ACCOUNT OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I recently received a letter from XXXX XXXXXXXX stating that it was a data branch that took place between XX/XX/XXXX XXXX XXXX XXXX  as I will be attaching the document to this complaint. XXXX days later I received an alert that there was a negative account on my credit report that I didn't consent to, nor did I authorized original creditor CONSUMERS ENERGY now collection agency XXXX XXXX XXXX XXXX to report account # # # # # XXXX Date assigned XXXX XXXX XXXX  and it reported to my credit report on XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My XXXX was stolen in XXXX, XXXX on the XXXX XXXX, and those thieves were able to hack and got inside my XXXX. I had several cards and other financial apps stored like XXXX XXXX, PayPal, XXXX, XXXXXXXX XXXX XXXX XXXX, and others. They were able to open Paypal and added their friends on it and send funds to them. I called Paypal when I returned to Florida on the XXXX, and filed fraudulent activities in my account. There were 2 large transactions were made on the 3rd from XXXX XXXX XXXXXXXX and XXXX ; howeverXXXX XXXX XXXX XXXX denied the transaction and XXXX allowed. Initially, PayPal gave me a provisional credit, then they retracted stating that the transaction was normal. Again, I specifically informed Paypal my Iphone was stolen and they got inside my phone. I never made such a big transaction thru PayPal and it was for {$950.00}. I didnt lose my wallet I loss my XXXX, as a result, those thieves were me using my phone. Paypal can not regcognized it.
Product: Payday loan, title loan, or personal loan

I've written to PNC several times on this loan. This loan was created under fraud years ago under a business that no longer exist, but I've been always scared not to pay to min due to credit effects. I have a good credit score and would not want to jeopardize it. 
I have contacted via phone, letter to PNC and they can not come up with a copy of the loan agreement. 
Why should I continue to pay them? There is no proof on record and I continue to get statements. 
I'm looking for loan forgiveness.
Product: Credit card

I was a victim of Identity Theft. Someone opened a Discover Card using my personal information ( probably a family member ). This is showing on my credit report and ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an identity theft affidavit to your consumer reporting agency. Their are several accounts and unauthorized inquiries found on my consumer report that are identity theft related. You sent me a letter stating the identity theft affidavit was sent in error. It was NOT. I sent the identity theft affidavit. You are required by FEDERAL LAW to block the accounts from my consumer report. You are in violation of 15 USC 1681 c-2 ( a ). You are also in violation of 15 usc 1681b. I did not give you consent to furnish any of my information. 15 usc 1681n lets me know that any person who willfully fails to comply will be responsible to pay actual damages up to {$1000.00} per violation. I have mentioned two violations. In this report so far. I would advise your consumer reporting agency to comply and abide by federal law.
Product: Bank account or service

I have prepaid visa card Netspend account. I 've had this account over a year with no issues. I get my paycheck direct deposited to it.within 2 hours of the last direct deposit there was a {$300.00} physical atm withdrawal taken from my account in a location very far from me. and another transaction in the same amount in what appears to be XXXX. I filed a dispute claim right away and was told their investigation would take 10 days. it has now been ten days. I contacted them and was told I would get an update in 3 days. they still have not credited my account and I am acquiring late fees and facing shut off notices. this was XXXX of my paycheck and I am at a loss with no money to survive on and no information that this is getting resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from EXPERIAN, XXXX & XXXX see attached ;