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

In XXXX of XXXX I was notified of the XXXX XXXX breach and my info was effected. 
There were fraudulant accounts that I discovereed were not mine, I filed with FTC Identity theft affidavit in XXXX along with reporting to credit bureaus and contacting banks. 

According to 15 USC 1681 Fair credit reporting act, I have right to a fair and accurate reporting without bias and and in a timely manner. 

XXXX, EXPERIAN and XXXX are blatantly violating and illegally inputting fraudulant and inaccurate info knowing full well it is illegal to provide my info without my consent and to for vendors to input a REAGED account that was deleted that did not belong to me. 

Original Creditor XXXX XXXX XXXX XXXXXXXX had to delete due to fraud and this account was opened back in XXXX, but XXXX XXXX  has illegally obtained my info and has illegally reaged and fraudulantly inputed as I have opened a new account with them on XX/XX/XXXX and has detrimentaly affected my score! 
I have enclosed the FTC ID Theft affidavit with the exact account XXXX was forced to delete off my credit report due to fraud but now XXXX  has illegally obtained my info and fraudualntly said this was just opened. on XX/XX/XXXX and XXXX illegally inputted in my file without proper investigating of the account. 

I want this account removed immediately or I will sue for {$1000.00} per violations of my rights under the FAIR CREDIT REPORTING, I will sue and win because I have all of the evidence of documents that I filed back in XXXX XXXX XXXX. 
XXXX  and XXXX, XXXX and EXPERIAN, has violated my rights illegally and fraudulantly! 

XXXX has continuosly violated and fraudulantly said I can dispute online and receive a FREE credit report, to this day I have never been able to obtain my Free report online and to be able to dispute the fraud XXXX has reported on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two credit agencies I am reporting. I have tried to solve the matter with XXXX but have not gained a resolution. I have attempted to notifiy Sage Stream but haven't received a call back. On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX County ( XXXX, Georgia ). Iwas not able to get proper fiancing. The car was purchased at a high interest rate and then the monthly payments were also way to high for a XXXX vehicle. The information reported from theses two credit agencies is incorrect. # 1. SageStream reported that I had a XXXX creidt score. None of the other agencies have reported this score. The information they provided in the report is also incorrect. 
# 2 Equifax  reported that I have several delinquent accounts and when I called to speak with the representative she told me not to worry about it. This was her way of resolving the dispute. I have maintained my credit score over the years and should have been able to walk off that car lot with a brand new car. Based on the information provided by these two agencies I am wondering if this is the reason I was scammed into purchasing a XXXX vehicle for {$21.00}, XXXX. I did not need them to give the car dealer any information that would hinder me from being successul. I check my credit report with Equifax weekly and it is a XXXX credit score. I have no outstanding delinquencies reported with XXXX, XXXX, nor XXXX. How does SageStream have such low score and noe of the rest of these agencies have that score. It is a shame not to be able to get a credit agency to provide accurate information when you have worked so hard to maintain good credit. Car dealers are already waiting to scem you when you walk on that car lot if they don't have the heart of Christ and they're only concerned about making a profit. I made a bad decision in getting the car but I was told my selection all depended on my credit history. Sadly to say, it wasn't reported correctly.
Product: Student loan

On XX/XX/year>, I was notified that my loans ( which were on the XXXX plan ) were placed into an administrative forbearance, pending litigation of the XXXX plan. The letter I received from Aidvantage on this date stated that interest would not accrue during this forbearance. My most recent statement is from XX/XX/year>, which shows that interest had not accrued in the period of the forbearance. I have not received a statement from Aidvantage since XX/XX/year>, but I have noticed that interest is accruing again- though this directly violates the terms of the XXXX plan. My loans on Aidvantage are all listed as being on the XXXX plan, yet I am accruing nearly {$50.00} a day in interest. This is not true for my colleagues who are on the same plan on Aidvantage. When I called Aidvantage, they said this decision was up to the " XXXX Department '', and they were under no obligation to waive or stop interest from accruing. However, the XXXX Department of Education has not made any announcement to end the XXXX plan forbearance. This interest is accruing impermissibly.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have a charge off for XXXX XXXX XXXX XXXX  this debt does not belong to me and I have been getting emails about this and would like to get this removed so they can stop calling I am really trying to get my credit on a good term and doing everything to keep up good credit
Product: Debt collection

Constant calls to my number with various phone numbers. Including XXXX. Repeatedly every day.
Product: Vehicle loan or lease

My auto loan from US Auto sales was sold to Westlake. During this transfer, my warranty and gap insurance which is included in my monthly payments has been voided. Although voided, Im still required to make the same payments without coverage. Additionally, previous payments made to US Auto Sales are not being reflected. My balance current day is the same, actually higher than what it was the day I drove off the lot
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unathorized inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ) and 604 ( 15 U.S.C 1681b ) After reviewing my recent credit report, I have identified the following inquiry that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This address XXXX XXXX XXXX XXXX NY XXXX is fraudulent and dose not belong on my credit report a lot of new fraudulent accounts are attached to this address
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX XX/XX/2020 3. XX/XX/XXXX. XX/XX/2020 4. XX/XX/XXXXXX/XX/2020 ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )
Product: Vehicle loan or lease

XX/XX/XXXX {$31000.00} The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX OF XXXX {$0.00} XXXX XXXX {$3900.00} ''
Product: Money transfer, virtual currency, or money service

so i was applying to jobs and i applied to this XXXX XXXX job on XXXX, after like 2 weeks the " doctor '' emailed me back. Everything seemed legit, he gave me a letter of employment and all the details of the job, it was for the XXXX XXXX XXXX supposably, and so we started working from there. he said the office is under construction and in 2 weeks it will be open. he said i had to handle his personal finance, book meetings and trip, basically everything an XXXX  does but at first i didnt notice these red flags. we talk more and more then after a while after he wire transfered me {$19000.00} TO MY BANK ACCOUNT. At first i was like in shock because i never had so much money but i had no knowledge about wire transfers and money scams so i was definetly a easy target. i had to transfer funds from my bank account to XXXX XXXX and what not but i aint smell a bit of scam because the doctor actually provided proof that it was all for the XXXX XXXX XXXX. I called the bank to check the wire again and see if its legit, i reserached everything, the doctors name, phone number, scam websites, searched his email and everything and i did not find one thing so it all seemed legit. i asked the doctor a million questions about himself and he answered them. But i couldn't just keep this wrong feeling in my heart even though everyhting seemed real and legal, thats why im reaching out to you guys because im a miltary XXXX and i cant have a messed up credit, or be in debt or any problems. i quit the job respectfully because i felt something was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with XXXX  and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX   XXXX Account Number, XXXX XXXXXXXX XXXX Account number and XXXX XXXXXXXX XXXX Account Number. I send numerous letter to XXXX   registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the equifax breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.
Product: Credit card

I paid my balance in full on XX/XX/23. The payment cleared my bank on XX/XX/23. Apple Card through Goldman Sachs would not apply the payment and release the credit so I can use the card. They have the money and refuse to allow me to use the card until XX/XX/XXXX. The will not give me a reason other than the funds will be released on the XXXX. They will not allow me to escalate to anyone. They have taken my working XXXX for 15 days for no reason al all. I can't use the money that I paid the balance with, I can't use the credit card and now my auto pays venders I have set up for that card are all declining, because I paid my balance off early. The best part is they are doing this over XXXX!! As of this complaint, they have still not released my credit so I can use the card.
Product: Checking or savings account

I recently had a large amount of money transferred to a bank account that I do not own or have in my name from Money Network on XX/XX/XXXX in the amount of {$2700.00} - Bank Name : Money Network/ Metabank / Fiserv Money Network Financial , LLC , is owned by Fiserv , Inc.XXXX XXXX XXXXXXXX I contacted Money Network about this withdrawal of my money and why was it transferred to some bank account I do not have and that said I needed to file a dispute. 

This incident occurred immediately a week after I was issued a replacement card. 
because funds were also drawn from my account on the prior debit car I closed out with this company before the sent me the new one. 

I have reason to believe that who ever used my account to make purchases has my bank account routing number because even after I got issued a new card just a week later money is being transferred to an unknown account and Money Network can't tell me the bank but they said it's my name?
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred to another bank XXXX XXXX in XXXX and they're reporting a late payment on my home loan when it wasn't with them during that time frame. 

My mortgage is also showing to lean holders one for XXXX XXXX XXXX and one for XXXX XXXX when XXXX  XXXX XXXX transferred the loan to another bank and now has been reporting falsely on the loan saying open with them. However, they not showing one late payment from the time we were with them until they transferred it over to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my FTC fraud report, FTC report # XXXX to Experian on XX/XX/2021. I called Experian on Monday XXXX XXXX spoke with XXXX, XXXX employee of Experian.I proceeded to ask her did they receive my FTC Report.She confirmed she did receive it. I then stated that pursuant to 15 USC 1681 C-2a, once the report was furnished to them it has to be removed from my credit report within XXXX days.Once I stated the LAW to XXXX, she told me the FTC report wasnt real and I need to file a dispute with them. I Requested a manager, and was denied, and then told the manager would tell me the same thing. I stated the law and requested to have the fraud removed, She once again denied my Demand after again giving me confirmation of the receiving of the report of the fraudulent account from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2a - Block of information resulting from identity theft U.S. Code Notes ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer recently checked my credit report and notice some unauthorized inquires on my credit report. Please delete immediately XXXX XXXX XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

Hello, I am one of the tenant in New York, who was looking to sublease my apartment and posted an ad online for roommates. I got in touch with a person who apparently looked genuine ( said originally from XXXX ) and sent a check of XXXX XXXX which is way excessive amount of my rent ( XXXX $ /month ). The person reported that the company she is going to work was sending the check ( that includes rent, her transportation from XXXX, her living expenses as well ). I was so XXXX and XXXX to believe that and deposited the check into my Chase account on XX/XX/19. I was not aware how the check process works in USA ( am an XXXX Citizen ). So I thought, if it gets accepted by bank and I was able to see the funds immediately in my account, felt the check deposited was successful and sent a wire transfer on XX/XX/19 with XXXX $ ( to her friend 's account in XXXX, as she said she did not open bank account in USA yet ). My check deposited got bounced and wire transfer was successful with losing all money. I wasn't sure what to do. I immediately contacted the person whom I am renting to. She said there was some mistake and the company is going to look into it. Meanwhile I contacted my bank ( as it went to negative balance ), they said it was scam which then I realized and tried to proceed with the further process. However the process did not start immediately as my account was in negative and the bank could not help until it is active. The person stopped contacting me after three days of wire transfer. The bank were very helpful and attempted several times to get the wire transfer money bank ( from XXXX XXXX XXXX ) with minimal response. So I want to report if there is anything I have to do to request to get my funds through you. I would really appreciate if you can help me with this. 
Thanks.
Product: Vehicle loan or lease

I filled out a credit application for a vehicle. Based on the negative equity and credit, the dealer said I needed a strong co-signer. My fianc who had a 730+ plus score co-signed the loan. The dealer came back with 11.5 percent with my fiance as the primary. I believe there was predatory lending going on. Looking at my paperwork, I dont understand how someone with excellent credit could end up with 11.5 % apr. 
the Dealership is XXXX XXXX XXXX of XXXX North Carolina. XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I spoke with a representative of Experian to question why my credit score dropped XXXX points she stated it was because of the disputes Ive filed! 
Ive recently found out that that is illegal I also questioned why things havent been removed from my credit report because there have been several things removed from my XXXX XXXX report and eqifax report! 
She said thats because Experian takes more time! 
I also expressed the fact that ever time I pay my bills on time and split them up so I can get double the credit my credit score keeps going down!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found many inaccurate accounts listed on my credit reports that under the violate my privacy according to the Fair Credit Reporting Act under 15 USC 1681 section 602a.

Also under 15 USC 1681 section 604a : States that I have to privacy 15 USC 1681c - a5 section 2 : States that a consumer agency may not furnish any account without my written instructions.

15 USC 1681s-2 a1 : States that no consumer agency may make any consumer report containing adverse item of information about me. 

The accounts that have violated my rights are : XXXX XXXX XXXX acct # : XXXX XXXX XXXX  acct # : XXXX XXXX XXXX XXXXXXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX  XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  acct # : XXXX
Product: Student loan

Hello my name is XXXX XXXX, I went to XXXX XXXX and have been attempting to pay my loans down and get better interest rates. I have a situation that I may need help with. I figure I 'll give you the info and you can help guid me from here. I refinanced some private student loans from XXXX ( navient ) to XXXX in XXXX of 2015. Everything funded all was well, but in my account login for navient under that same account number it shows I still owe XXXX ( rounded down ) on that account. I verified that the amount XXXX funded was total loan amount. I can only conclude that they made an error. I have contacted them with my concern once in XXXX. Not hearing from them I 'm or seeing any difference in the account I need to address this before any more time passes. I messaged them again inquiring what the deal is but I 'm paying interest on a loan that is already consolidated. I do n't know how exactly to proceed. I could use some guidance if this is an issue you can help me with. 

Thank you, XXXX XXXX. 

Sent from my iPad
Product: Checking or savings account

A third party company made a request to freeze my account which contained protected funds. My banking institution did not notify at the time. According to OCC rules for federal banking institutions consumer are to be notified. 

The banking institution sent a letter to me a week after the incident which cause me to have issues taking care of other transactions.