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

Happy Money/Loan # XXXX was paid in FULL on XX/XX/2022. I requested that said loan reflect as paid in full to XXXX. Happy Money responded to XXXX that there is still a balance. I contacted Happy Money and XXXX XXXX at Happy Money sent me an email confirming said loan is paid in full. I forwarded said letter/email to XXXX and Happy Money responded to XXXX, still saying there is a balance of {$16000.00}. 
This has been a hardship when trying to secure other financing. I was NOT happy with their company practices and chose to pay them off. They don't do same day payments, so they can collect an extra day interest. They make it difficult to pay with another checking account ( need a voided check mailed to them ) again to earn extra DAYS of interest. The list goes on.... 
Today, again I contacted XXXX and they said all I can do is keep disputing??? But they said they will forward said letter indicating account paid in full with another dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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. 16815-2 ( AX1 ) 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: Vehicle loan or lease

I XXXX XXXX am a victim of identity theft and need the following fraudulent account removed. 

XXXX XXXX XXXX XX/XX/2020.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$680.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$710.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/year> and I found some addresses that appear to be incorrect. and according to the fair credit reporting act 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 about whom the reports relates. 

Experian continues to report my address incorrect on my credit report Incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report medical bills that were placed on my files with XXXX, XXXX, and TransUnion that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore the above accounts were created without my knowledge and I demand that the attached account be permanently removed from my credit file.
Product: Checking or savings account

Venmo froze my account claiming suspicious activity. 

I transferred money from my debit/bank account ( the one they have on file already ) and after the transfers were made, froze the account. 

They are saying at least 3-5 days to review it. 
I took money from my personal account and put it on my Venmo card so I can pay someone. I went from having money available via bank card to frozen in my Venmo account
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent accounts on my consumer report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove any inquiries associated with these accounts.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report
Product: Credit card or prepaid card

I notice collections on my credit reports from Port Folio Recovery. I have attempt to dispute these charges several times with all 3 credit bureau. They can not submit any documentation with my signature or my address to me I have requested. This is not my account. I did not benefit in no way from this account. This was opened fraudulently.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

This debt was originally by XXXX XXXX XXXX but sold to XXXX XXXX XXXX it has an amount balance of {$2100.00} which I do owe and under the fair debt law this is illegal so I would have the results of removal from my XXXX and XXXX credit report it would be greatly appreciated
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to data breach.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00}.
Product: Debt collection

On XX/XX/year> XXXX University sold a debt to Conserve ( A XXXX party collection company ) claiming I owe this company {$3300.00} for a debt. I sent Conserve a debt verification letter on XX/XX/year> requesting validation of the this so called debt also requesting a valid contract with my wet signature on it between me and this company Conserve to no avail because XXXX party collection companies simply can't provide this info due to I the consumer never entering into a contract with this company
Product: Money transfer, virtual currency, or money service

I told Wells Fargo ( my bank of 22 years ) that I got scammed by someone for tickets that were fake, and they never answered me when I requested my money bank. Wells Fargo sent a generic letter that they could not refund my {$210.00} dollars, even though I had proof of the scam from the XXXX convo, and the person on XXXX deactivated their account after they got my money!!! This is very disappointing that Wells Fargo will not help me, nor punish the scammers. I demand my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to clear up the errors made by XXXX XXXX XXXX on my credit report from the ( 3 ) bureaus ; XXXX, Experian and XXXX. I was notified by XXXX XXXX XXXX back in XX/XX/XXXX ; that they agreed to clear the late payments XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I again, notified XXXX XXXX XXXX, that the late payments are still open as >30 days and as agreed was not removed from the ( 3 ) Bureaus. I was then advised by XXXX XXXX XXXX on XX/XX/XXXX that, it is up to the Bureaus to correct and I should file a dispute with them individually. I have followed the guidelines and have followed up with the agencies with no resolve.
Product: Credit reporting or other personal consumer reports

Several inquiries on report I don't recognize too many to count
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.
Product: Vehicle loan or lease

I am seeking relief from Ally Financial Inc. & XXXX XXXX XXXX ( XXXX ) in an amount exceeding {$40000.00}. In short, XXXX coerced me into getting a lease when I wanted to purchase a XXXX XXXX XXXX ( I have text proof and a deposit receipt for purchase ). XXXX sent me to another XXXX of their dealerships to finalize my transaction where the switch was made. The car was totaled in XXXX of XXXX and XXXX XXXX made a payment to Ally Bank Lease Trust in the amount of over {$49000.00}. Ally acknowledges that there was an excess payment made of over {$40000.00} ( {$44000.00} to be exact ), but I wasnt entitled to it and theyre keeping it per section 39 ( a ) " ... there will be no excess credit given. '' ( regarding any overpayment of insurance ). 
Im alleging Ally and XXXX  are in violation of various unfair, deceitful business practices as well as an unconscionable contract ( or at least an unconscionable section ). 
Id be more than happy to give a detailed explanation along with all texts, emails, receipts, & contracts if the involved companies are interested in potentially resolving this matter.
Product: Checking or savings account

On the XXXX of XX/XX/2023 I made a cash deposit through an ATM at a UMB Bank. I used my XXXX debit card as the intended account to receive the funds. I deposited approximately {$250.00} and the ATM took the cash ; However, it indicated a technical error had occurred and the funds were unable to be deposited. The ATM then asked me to estimate the dollar value of the funds I deposited and produced two receipts instructing me to bring these to the bank. I have included a scanned copy of the front and back of these receipts. 

Due to my job, I was unable to let the bank know until the XXXX of XXXX. I brought the receipts to the same UMB Bank where the ATM was located and was told that I must reach out to XXXX as this is a problem on their end. I reached out to XXXX the same day who informed me the ATM I had used is not a " XXXX '' ATM and so XXXX is not able to receive the funds and showed no history of funds being received. 

I returned to the UMB Bank on the XXXX of XXXX and they again told me this was on XXXX and that I needed to fill out a formal dispute form through XXXX which would then be handle by UMB. I asked XXXX for this form and they told me they do not have this form and that there isn't much they can do as they have no history of funds being received. XXXX offered additional assistance and I provided them a copy of the ATM receipts I've included here. They said it's unlikely they'll be able to do much but will try reaching out to UMB. 

The UMB Bank and ATM mentioned is located at XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX. 

Incase the attachments are not able to be opened, I'll include what details I can. 

Front 1 .... 
Date : XX/XX/2023 Time : XXXX XXXX XXXX Deposit Exception Record Deposit Amount : {$250.00} To : Savings One or more deposit items were unable to be returned due to a technical problem. We Apologize for the inconvenience. 

Front 2 .... 
Date : XX/XX/2023 Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : {$0.00} CASH DEP. - SAVINGS INVALID TRANSACTION 115 Page 1 of 1
Product: Mortgage

I've sent my regular monthly payment into my mortgage of {$1200.00} dollars all of last year, but Ocwen Loan Servicing stopped receiving my payment as of XXXX, 2017. I have been in contact with the company and have submitted numerous requests for an understanding of why they are not accepting anymore of my payments, and why after a number of requests for an loan repayment plan, they keep turning me down, despite a change in my income.
Product: Debt collection

I have received multiple collections on my credit report that Ive tried to dispute. These dates range from XX/XX/XXXX until XX/XX/XXXX. I am a victim of identity theft and unaware of these charges. I also uploaded my police report. This has been placed on XXXX
Product: Credit reporting or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. XXXX. This account resulted due to identity theft. XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the DOE Ombudsman 's Office in XX/XX/XXXX to file a complaint that Navient was trying to collect on a loan that should have been sent over to the XXXX in XXXX and refuses to do so. I have spoken with several reps and management going back to XXXX and been jerked around, as to why the loan was not sent over to XXXX XXXX XXXX. 

After the initial contact of the Ombudsman 's Office, I was told that Navient advised the office that I do not have any federal loans with Navient, and the case was closed. Due to my insistence, the case was reopened and escalated to a manager at the Ombudsman 's Office. With a little further investigation, the manager realized that some nefarious was taking place but was able to contact management at Navient to have the case expedited. 

After the investigation was completed, DOE Ombudsman 's Office had discovered the same thing that I reported and that is, Navient has been lying since XXXX about the status of the loan and why they were unable to send it to XXXX. According to the DOE, the loan had lost its insurance and as such, can not be consolidated or transferred to XXXX. 

My issue is, Navient has listed the loan as late, in default, and to further complicate things they are asking me to make payments of {$830.00} but I am unable to pay that amount. Navient stated that the loan was disbursed in two increments that totaled {$27000.00} and now they have stated on XX/XX/XXXX, that the interest rate on your loan has been a fixed 8.5 % since disbursement. Additionally, Navient stated at the beginning the loan accrued interest at {$6.00} daily, they stated that now that the loan is at a principal of {$66000.00} with {$270.00} in the interest the daily amount had increased to {$15.00} daily. 

Please help resolve this issue soonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold a mortgage with XXXX loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and XXXX loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Utah XXXX. 

XXXX XXXX