23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called on XXXX/XXXX/2016 and spoke with a gentleman from XXXX, which services my private loan with Citizens Bank. I asked the gentleman what my loan payoff amount would be to pay the loan in full and he stated it would be {$69000.00}. I gave him my bank routing and bank account number and he processed the payment and I received a confirmation email indicating a payment of {$69000.00} with an effective date of XXXX/XXXX/2016. I then received a phone call on XXXX/XXXX/2016 indicating that they had made a mistake and applied the incorrect amount of {$1000.00} and to call them to resolve the situation. I called them on XXXX/XXXX/2016 and spoke with a supervisor who informed me that although it was their error and we received a confirmation email indicating the full loan payment of {$69000.00}, we were still going to be charged one day of interest of approximately {$22.00}. I as the consumer did everything on my end to payoff the loan as of XXXX/XXXX/2016 and had no control over how they applied the funds.
Product: Credit reporting 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 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX Account name # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name ; XXXX XXXX  # XXXX, Account XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX  ( original Creditor XXXXXXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  ( Original XXXX XXXX  ) # XXXX, Account Name : XXXX XXXX  ( Original XXXX XXXX  ) # XXXX, Account Name XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX  : ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX, account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, has violated my rights . 15 U.S.C 1681 Section 602 A. States I have the to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.SC. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i went in to buy a car and i told the finance manager. i will only apply for the car if its one hard inquire and he said it would. ( he said it in front of my wife as well and the sales rep ) so i unlocked my credit and i got FIVE hard inquires! after bringing it up to him he said that they only had a copy of my credit its not a hard inquire. Day later all the inquires posted and he refuse to talk to me about it. the following inquires are the UNATHORIZED inquires. XX/XX/2023 XXXX XXXX XXXX, XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX Ive already tried to dispute my case to Equifax and the attachment added is the results of me trying to get the inquires removed.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, I submitted the notorized legal documents verifying this to EQUIFAX by certified mail and requested that they remove all deragtory items from their public reports and nothing was done, so I called consumer affairs department in Equifax and they requested I resend them the documents by email, they sent me a link to do this and I sent them the documents again, I never received a phone call or email from them and they did not remove the deragotory items from my credit reports that they are legally bound by law to remove for anyone such as myself that has been a victim of human trafficking, I ask that you please see to it that they remove the information I requested they remove before I have to take other legal actions! Attached below is a copy of the documentation I submitted to them, Equifax has the notorized copy. Thank you for your time and consideration of this matter!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I sent you the letter form the court house did not find any filling or any information shared with ypour organization and then all these inquirires which are not mine never requested any services from those creditors on those dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX  Balance : {$1400.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Vehicle loan or lease

Capital One {$13000.00} Charge off XXXX 15 USC 1681 Section 604 States right to consumers privacy.

Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.
Product: Debt collection

Attempting to collect a Credit Card debt for 12 XXXX XXXX XXXX  XXXX XXXX Never had a card from this bank. Disputed it and never received anything back to valid date account was from 12 XXXX   XXXX XXXX  XXXX XXXX being reported on Credit Bureaus since 2018 and marked as disputed. Again never received anything to validate. This should be removed cause they are falsifying the credit report and is in violation of the FCRA. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XX/XX/2018 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 12 XXXX XXXX XXXX XXXX XXXX   CONTACT INFO LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00}
Product: Credit reporting

I have mixed files on my credit report 1 ) Bankruptcy 2 ) XXXX XXXX XXXX ) Legal Team
Product: Money transfer, virtual currency, or money service

I AM TRYIGN TO PROCESS A PAYMENT WITH XXXX TO MY LANDLORD THEY WITN ACCEPT MY NEW DEBIT CARD I MESS THEM EMAILED TEM CALLED THEM AND THEY HAVE DONE NOTHING TO FIX THEY SAY ITS MY BANK WHICH IS XXXX XXXX BUT THEY PROCESS A PAYMENT TODAY WITH SAME BANK DIFFRENT ACCOUNT THEY SAY THEY NEVER TRIED TO PROCESS PAYMENT XXXX XXXX XXXX THEY TRIED 11 TIMES I MESS THEM AND TELL THEM HEY IF I CANT PROCESS PAYMENT AM GOING TO INCUR LATE FEES THEY SAY WEREN'T PAYING THOSE AND FOR LAST 2 HOURS ASKING THEM TO FIX ISSUE ALL THEY TALK ABOUT I SLATE FEES THAT I HAVE YET TO INCUR THEY KEEP TELLING ME CALL MY BANK BUT I CALLED XXXX XXXX THEN THEM ON 3 WAY AND THEY HU CALL
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letter to Department of Nel net student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.
Product: Credit card or prepaid card

In XX/XX/2019, I opened a new bank account with a local credit union. I then set up several Synchrony bank-serviced accounts with the ACH for the new account. In every case, the first debit from my account was rejected by the bank. When I checked with my bank, they said it was because the company was trying to take the money out of my auto loan account, not my checking account. I then went into the accounts and set up the ACH account again, and made a manual payment ( they were on autopay ). After I set up the account a second time, the payment processed successfully, and several payments processed thereafter. This week, I received notifications from Synchrony Bank that they had closed my PayPal Mastercard and my Lowe 's card. They refused to accept proof that there was money in my checking account at the time of their rejected ACH, or to consider that there might have been a problem on their end. I believe they also closed my XXXX card, but I have not yet been notified of that by mail. In the case of the Lowe 's and  PayPal Mastercard accounts, they said they could not reopen the account, and that they could only " file a complaint. '' PayPalPlus Mastercard acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 XXXX XXXX XXXX Other Identity Theft Company or Organization : Total fraudulent amount : {$0.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit card or prepaid card

AfteXXXX XXXX XXXX of timely payments, account closed by credit grantor due to a returned payment. Payment resubmitted as soon as return payment was realized and account is in good standing. This negatively affects my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX {$340.00} I am writing to file a complaint against XXXX XXXX XXXX  and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and TransUnion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Product: Credit reporting or other personal consumer reports

Trans Union you removed the wrong account off my credit report you removed my XXXX  account you drop my XXXX XXXX XXXX points XXXX financial was not supposed to come off the XXXX dollar loan that was paid was not supposed to come off the collection was, you are destroying my credit and XXXX gon na get a lawyer and sue you. You did not have no right to remove my XXXX  account at all at all the data furniture said they did not have that removed Trans Union. I demand you to put my XXXX back on my credit report and remove the collection. XXXX gon na send you the collection and then XXXX gon na send you my good account that collection was supposed to come off and you remove my XXXX  account you dropped my XXXX XXXX XXXX points and I want to get a lawyer and I want to sue now, that was very illegal what you did to me you removed my XXXX account and you left the collection on you were supposed to move the collection and leave my XXXX  account on my XXXX  account. This paid as agreed and for you removed and you left the collection on there you destroyed my XXXX XXXX my husband just passed away and XXXX trying to get a home loan. You are ruining me and I will get a, consumer finance lawyer and I will sue you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 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.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!