23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a job offer via email from a representative claiming to be XXXX XXXX, vice president of marketing/sales for XXXX XXXX XXXX, a manufacturing company based in XXXX, Kentucky. After accepting, I received a check on XX/XX/XXXX in the amount of {$2900.00} to cover my first month 's wages, and I immediately deposited the check into my bank account. The following day when the check cleared, I was instructed to withdraw {$2500.00} and purchase several money orders from the local post office, and to deposit them into the account of a Chase Bank customer, XXXX XXXX XXXX, whose account number is XXXX. I was told that the funds were for one of the company 's clients and would be used for a new construction project. On XX/XX/XXXX, I was notified by my bank, XXXX, that my account had been overdrawn due to the check being returned unpaid. I immediately contacted XXXX to obtain a copy of the counterfeit check to take it up with the issuer. I asked why they didn't hold the check until the money was there, but they told me that their policies dictated that I was solely responsible for the loss on my account. I then proceeded to the post office with the money order receipts and serial numbers to ask if I could cancel the money orders, but they told me that I couldn't do that without the actual money orders, which by this time had already been deposited. Then I went to Chase Bank to see if the money orders had already been cashed or if I could cancel them, but I was told that my request was in violation of their customer privacy policy despite the fact I had reason to suspect that one of their customers was a cyber-criminal. My complaint lies primarily with XXXX, for not holding the check until the funds were available.I am aware that federal law dictates that banks must make funds available one business day after the deposit, but this leaves a massive loophole for criminals to take advantage of honest banking customers. My secondary complaint lies with Chase Bank for not allowing me to cancel the money orders.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to pull my free annual credit report for Equifax. In addition to this, I tried to do a dispute through Equifax and it states they can not confirm my identity. I also use third party credit monitoring services and the Equifax portion has not been updated since  XXXX   XXXX     2017. I c ontacted my 3rd party monitoring services and they stated Equifax is not allowing them to pull anything. They told me to contact Equifax directly. I contacted Equifax directly and got nowhere. They were able to confirm my identity, however they could n't tell me what the issue is in regards to pulling reports and credit monitoring services I use. All they did is offer me to purchase a credit score pull directly from them ... .I do n't understand how I cant pull through my credit monitoring services that I pay for, but yet E quifax is a ble to if I pay them directly. To me it appears they are purposely doing this to force people into paying for their products directly to them.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 card or prepaid card

I can't remember the last time I made a payment on my Synchrony Financial Credit Card which was XXXX and Paypal because I am on XXXX I only make {$780.00} a month and I can not afford to make payments on that credit card. I would like them to forgive my loan.
Product: Student loan

XXXX XXXX, XXXX attended XXXX University and was told that I did n't qualify for any gov't help even though my parents could not afford to send me to college. My grandparents signed me up for Sallie Mae private loans. I was XXXX and had NO idea what a loan was or what a private loan was or what was even going on. Fast forward, I am now XXXX with {$55000.00} in student loan debt. I have paid THOUSANDS AND THOUSANDS of dollars and my balance has stayed the same. Once I paid a lump sum of $ 10k!!!!!! How is this possible? HOW IS THIS LEGAL? I will NEVER be able to pay these loans off. EVER. It is robbery. And they will NOT lower my monthly payment, consolidate my loans or budge in any way. I can not stop paying because they 'll garnish my ( part time ) wages ( i 'm a mom ). HELP!!!!!!!! I 'm trapped because of a corrupt system. I have paid and paid and paid and paid ... ..and it does n't matter. I 'm wasting money ... .... it 's horrific.
Product: Payday loan

Western sky, Delbert, and XXXX, called my sons cell nand threatened to take me to court if I did n't call them back. I immediately called back n spoke with a guy named XXXX XXXX. He was so rude and threatening. They lied about calling my son and I asked him for their license info and address and what XXXX stood for. He was screaming at me and said it stands for nothing. I told him that if he would send a validation letter thru the mail, I would see what it was about. He said one had been sent. He would n't give me a license number just kept saying we are suing you. The address he had was not mine, I explained that and he proceeded to insult and degrade me. I told him that my son was XXXX and to give me the info I requested. He hung up on me so I called back and he kept degrading me n hung up again. I called back and a woman answered and she hung up on me.
Product: Credit card

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. 
Kohls Charge Card late payment account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 am being hit with a hard inquiry XXXX XXXX Inquiry date of XXXX XXXX XXXX. I never applied for any new cards on said date and this inquiry was not made by me.
Product: Debt collection

The collection agency is reporting an inaccurate account to my consumer report.
Product: Student loan

Ask to see why my student loan Bill was so High. I dont agree that I owe them what they say I owe them. They have messed my credit score up on my credit. They charged me when I was not to be charged over charge students to attend college hyped amount up on my credit.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES. - DATE 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX, Dept Of EducationXXXX - XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

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

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I tried to open US Bank- Smartly Checking account following a promotion. But my application was denied for no specific reason.
Product: Debt collection

XX/XX/XXXX using XXXX XXXX as a 3rd Party I contacted Tek Collect, after noticing them on my credit reports attempting to collect for XXXX XXXX XXXX. 

I had an unsecured loan threw my bank, XXXX XXXX XXXX XX/XX/XXXX, that loan was paid IN FULL within its time frame by XX/XX/XXXX. I obtained this loan as a XXXX XXXX  due to the govt shutdown. There were stipulations on them, and we had to pay them back asap. Under no circumstances should a collection agency ever been contacted regarding my loan with XXXX. So why did Tek Collect show up on my acct in XXXX? 

Using XXXX XXXX, I requested that Tek Collect remove their tradelines from the credit bureaus, due to my XXXX loan had BEEN paid in full. I received a letter dated XX/XX/XXXX stating that they had done so. I assumed they notified all 3 bureaus ... in the letter it stated the credit reporting agencies .... I saw their info deleted from XXXX. 

Later to find out, its still on my XXXX report. Please see all supporting documents.
Product: Credit reporting or other personal consumer reports

I have been trying to get my credit report corrected by XXXX XXXX and XXXX. I have disputed the same information for the past few years. Noone wants to fix or address it.

I've emailed them and Westlake Financial for posting incorrect information since my XXXX XXXX Westlake now shows my vehicle as a charge off and I had 30/60 day late payments. They were never late and paid as agreed. This needs to be fixed.
Product: Mortgage

On XX/XX/22, I was not home and my husband called to explore interest rates. Flagstar ran a hard inquiry on my credit without my consent and completed a loan application with erroneous information since I was not there to provide the correct information. I was not at home to be aware of the conversation and/or agree to proceeding. XXXX XXXX at Flagstar took the call from my husband.

I was aware the call was made but was under the impression all conversations and actions were " soft '' - this is while we were waiting to receive documents that we would review to determine next steps, or so I thought. 
On XX/XX/22, My husband and I looked through mailed documents from Flagstar ( loan application ), which is when I found information had been guessed in order to push the refinance through. A few days later on XX/XX/22, I found my credit score had gone down and that time, I saw that a hard inquiry had been run against my credit, which is when I realized steps needing my consent were taken without my consent. 
On XX/XX/22 I submitted a complaint to Flagstar in regards to the concerns that were found. As of today, XX/XX/22, has reached out to me to address the concern, only XXXX XXXX has called me, who is the mortgage processor, and she doesn't have any authority to address the concerns. 

On XX/XX/22 XXXX, Flagstar, emailed me a copy of the loan document ( which contains SSN and birthdates, etc. ) to my personal XXXX  account, which is not encrypted. There was no link to a secure site, just a direct pdf attachment so our personal identifying information such as DOB and SSNs have been compromised.
Product: Prepaid card

I received a chase bank visa prepaid card from XXXX for {$150.00} rebate on a purchase. Activated the card. Tried using it several times to male purchases and they were declined ( more than XXXX ) Cant get cash from an ATM and there is no way shopping online to get the full value of the card. This is tanatmount to fraud
Product: Credit reporting or other personal consumer reports

Hello I noticed unauthorized and unrecognized inquiries on my credit report that I would like removed. I contacted each of these companies and I dont have an open account with them. 


These companies ran my credit unauthorized and I need them removed Please. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE AUTO 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 have disputed several accounts on the report. The investigation did not provide the evidence I demanded. A new reinvestigation was facilitated and still did not provide the evidence I demanded. This company if fraudulently reporting accounts on my report per violation of 15 USC. 1681 a ( 3 ) without my authorization. Have taken no responsibility per 15 USC 1681 a ( 4 ) and further violations under 15 USC 1681 b ( 2 ) while they did not have my permission or instruction to do so. Further violations under 15 USC ( a0 for privacy violations and further, 15 USC 1681 9a ) 2 ( b ) demand for removal while these accounts have not been verified after the reinvestigation.! 5 USC states under ( a ) ( 4 ) that they must be removed. They are not being practical, providing information and while informing them of the law they blatantly violate the terms and conditions of my consumer rights. Further violations for statute of limitations on credit reporting for CPLR 202
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana DMV Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 
7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this items within 30 days gives a reason to immediately remove those items from my credit report it has been over 56 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX it is closed and I would like it removed. XXXX XXXX, XXXX it is closed and I would like it removed. XX/XX/XXXX open on that day but was charged off on XXXX XXXX, XXXX would like it removed. XXXX XXXX open on that day but was charged off on XXXX. XXXX XXXX would like this removed.
Product: Credit reporting or other personal consumer reports

Attention to experian consumer solutions XXXX XXXX XXXX I am attaching ftc and police report that yall keep saying yall didnt receive. I sent it on experiandisputes/upload, cfpb, XXXX  and certified mail.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX