23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Unable to log in to AIDvantage, my federal student loan provider. Used my social security/birthdate and returned unable to match our records. Meanwhile my credit score is being harmed by missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the following accounts that I've made numerous disputes on and ask to remove these from my credit report. I've reached out to the companies as well and still, they have not responded and it's been over 30 days. I have no knowledge of these accounts and would like them removed from my credit report expeditiously. Due to these items on my credit report, I have not been able to get loans and my family has been facing severe hardship. Also, my credit report has drop significantly. 

XXXX ( account open on XX/XX/XXXX ) Account # : XXXX- {$250.00} XXXX  ( account opened on XX/XX/XXXX ) Account # : XXXX- {$89.00} XXXX  ( account opened on XX/XX/XXXX ) Account # : XXXX {$19.00} Preferred Lease ( account opened XX/XX/XXXX ) Account # : {$6300.00} XXXX XXXX -Account # XXXX XXXX ( account opened on XX/XX/XXXX ) Account # XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Equifax to remove a Collections that is not mine. They did not remove nor respond to my request. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, I am aware that the statute of limitations for this debt has expired and that you may not be licensed and bonded to collect debts in New York. Your continued collection attempts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and New York state law. I request that you cease all collection activities and provide written confirmation of the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the Equifax credit breach of XXXX. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$130000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my CreditReports. I received a letter from CFPB on XX/XX/XXXX, that TransUnion Credit Bureaus closed mycomplaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX XXXX XXXX, XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personalprofile, I noticed that there were XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$58.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have beenpaying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all thistime. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have themBLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using athird party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Consumer Loan

Took out a loan on XX/XX/XXXX for the term of 14months. XX/XX/XXXX had XXXX and was out of work for 3 1/2 months. fortunately I had taken out XXXX insurance to cover the payments while recovering for XXXX. I returned to work XXXX and still have not received a full paycheck due to therapy and bi-weekly office visits. XXXX is threatening me with repossession instead of working with me to help me get back on track. I am 73 days behind on a payment that was due XX/XX/XXXX. now I am confused if the insurance company made my payments while I was recovering why is there a payment late from XX/XX/XXXX? seems like the logical thing to do is reset the contract instead they are threatening me with a large sum due or reposeesion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report as such reporting is " aged ''. On or about XX/XX/XXXX, I filed federal bankruptcy under XXXX XXXX. During the course of these proceedings my XXXX  XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX  XXXX. XX/XX/XXXX, my bankruptcy was discharged. I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rd party and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX  XXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX  XXXX was dismissed or closed, when in fact it was US statute conversion. There was also a reference that all debts were the responsibility of consumer. XXXX  XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XX/XX/XXXX. XXXX have deleted the bankruptcy from my credit report. Public Record Information This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Product: Credit reporting

I have sent Equifax numerous requests to investigate and remove accounts from my credit report/file and they are not responding.
Product: Credit card

The brake diagnostic test that I paid {$270.00} for was not performed by the car dealership as they tried to up sale me on {$4000.00} before they would complete the diagnostic service. I did not receive the brake diagnostic service I paid for. 

Capital one was provided with receipts of this payment and a second diagnostic test that was paid for and fixed at another dealership. This proves that the first dealership could have performed the diagnostic and could have fixed my vehicle. The first dealership charged me and did absolutely nothing. When I asked for my car back I was forced to pay the {$270.00} in order to have my keys returned. No work was performed for the charge I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX  that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion the credit reporting company about an inquiry having been made on my credit report on XX/XX/2022. The report according to TransUnion was requested by XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. However, there are no XXXX branches at that location. The closest XXXX facility is, and ATM located at XXXX XXXX XXXX XXXX, XXXX Texas. So, it didn't make sense to try to contact XXXX yet since that was an ATM. Of note, the only bank showing this credit inquiry was our XXXX XXXX XXXX XXXX in XXXX XXXX, SD. Neither my wife XXXX XXXX or myself XXXX XXXX XXXX have applied for credit of any type in years. Further, we enjoy basically perfect credit scores because of our credit history. Today, XX/XX/2022, I received a call from a number I didn't recognize. They requested I call them back at XXXX. They gave me a reference # XXXX is to XXXX information. This call originated from XXXX XXXX, TN, phone # XXXX. Note, I've never had contact with this number before, nor do I recognize it. Anyway, this was all too suspicious, so I Googled the search term XXXX information XXXX city tn. Low & behold I found in results for this that this XXXX number was being used for a XXXX credit card phishing scam. Whoever is doing this stuff needs to be stopped. According to my XXXX search this has been going on from this telephone number for over a year. All the complaints were about attempts by these people calling to get credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the company that this account had been paid and closed and has been in my credit report too long past the seven year mark that it should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card payments never late XXXX XXXXXXXX FCRA Violation other loans not mine XXXXXXXX XXXX XXXXXXXX FCRA Violation hard inquiry not mine XXXXXXXX XXXX XXXX FCRA Violation public records not mine XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX : Bankruptcy XXXX  XXXX : Bankruptcy
Product: Mortgage

In XX/XX/2022 I applied for a forbearance loan modification with my mortgage company XXXX XXXX XXXX  I asked if they could put the money ( {$25000.00} ) I was behind on to the back of the loan. Instead, they did something that was very odd, they took {$120000.00} out of the {$450000.00} mortgage amount and separated it into a 2nd lien. I wanted to put the entire mortgage amount together because I wanted to use my equity, but to do this I would have to refinance for a higher interest rate and that is just too much. I have asked XXXX numerous times if they could put the loan back together, and they said no. 
I'm asking for your help to consolidate my loan back together at the original interest rate. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) to formally request the removal of several accounts that have been fraudulently reported under my credit profile. My identity and personal information were compromised, leading to the unauthorized opening and reporting of the accounts listed below : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX These accounts were neither opened nor authorized by me, and their reporting constitutes a violation of my rights under the FCRA, specifically : 15 U.S.C. 1681 Section 602 ( a ) Ensuring my right to privacy and protection from inaccurate credit reporting. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent. I have attached supporting documentation for your review, including a personal statement regarding my trafficking situation and any other relevant records to assist with the verification and removal process. I kindly request your prompt investigation and removal of these accounts from my credit profile to restore its accuracy. Thank you for your attention to this matter. Should you require additional information or documentation, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA ( Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.
Product: Debt collection

Did not receive said service in which cherry technology was used for. Being billed for a service I did not receive.
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested on XX/XX/2022 that the XXXX credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX & XXXX XXXX had XXXX XXXX XXXX  inquiries show up on my XXXX  and XXXX report. 
They are as follows : XX/XX/year> Global Lending Services Auto Financing XXXX XXXX, XXXX, SC. XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX. XXXX  : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. 

XX/XX/year> XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 's XXXX, XXXX XXXX. XXXX : XXXX
Product: Checking or savings account

I was constantly getting notifications that my password and had been changed and money sent to my contacts that I dissent send and most annoying was I was getting messages people I didnt know were getting added to my XXXX Then every time I would get a paycheck deposited they would try to XXXX XXXX else where but I had already taken money out at the same time. That went on/off since I open my account in XXXX up til XXXX XXXX when they closed my account, every time I would have to do lost/stolen transfer just to keep my account safe and few months after it happened again and the same headaches
Product: Debt collection

I am filing this complaint to bring to your immediate attention a matter of utmost concern regarding the inaccurate reporting of my credit information. Despite multiple attempts to address and rectify the situation, I am still facing serious discrepancies in my credit report, which are adversely affecting my financial standing. I am extremely annoyed and frustrated by the repeated negligence in addressing my disputes. The inaccurate information on my credit report is causing severe damage to my creditworthiness and overall financial well-being. I demand an urgent and thorough investigation into this matter. It has come to my attention that these accounts contain late payment markings that are not accurate. The late payments were a result of an error made by the bank in sending statements to the wrong address. The bank has acknowledged this mistake and has agreed to update the accounts to " open/never late '' and remove the late payment markings. The accounts in question are : DEPT OF EDUCATION/XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATION/XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00}, and DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX Also please take note that I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Mortgage

XXXX XX/XX/XXXX being so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You unfortunately have to take a month XXXX XXXX  to get better and then you end up better but not at your full potential. You fall behind in almost everything you have car payment, mortgage, loans and etc. Your truck eventually gets repossessed in XX/XX/XXXX, loans and credit card accounts have closed due to late payments. You constantly try to find ways to work with your mortgage company constantly putting in request for assistance only for them to raise your interest and mortgage payments when youre already struggling to stay afloat. You even tried to send in partial payments which were rejected and even shredded because you didnt accept the modification offer. You have no other choice but to file bankruptcy because you dont want to be homeless and you have XXXX kids to take care of. You get in a car accident XX/XX/XXXX and now are without a car, you reach out to your mortgage for what may be the XXXX time or less to see what can be done because you received a foreclosure notice. They come to you again with a modification increasing both your interest and payment. This is my life and my circumstances but hey who cares right.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IQ DATA INT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me IQ DATA INT XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

Hello I have a blockchain account that currently has {$13000.00} USD in it and blockchain are refusing any method to withdraw that money including putting that money back into the XXXX so I can transfer it elsewhere. They refuse to tell me why they won't let me withdraw it. Blockchain.com is the site and my username is XXXX. 

I have asked repeatedly for an explanation and they have further locked down my account preventing me from moving the funds or withdrawing them. 

From looking into it seems this is not unique and blockchain.com seem to do everything they can to avoid paying what is owed. 

Please assist me in recovering my money. Thanks.