23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a merchant with different names change me up to XXXX filed a claim and got it and I called claim department to report again who spends so much money in the same Merchant and they keep taking money from my account last claim got Denied because my other claim was granted so if they keep taking my money and I file a claim they will Deny my cliam because of the same Merchant with different name taking my money I replaced my card and it keep going I lost count of how much money they took from me and Wells Fargo cant do nothing about it because I already filed a claim a while ago I need my money I opened Wells Fargo to save for my XXXX XXXX and now its gone I wish this could be resolved asp because I will be contacting a lawyer I have contact merchant and no email back theres nothing I can do
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. US DEPT VETS - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Portfolio Recovery has been calling me almost everyday for the past year, and I have told them numerous times to stop calling and that they are harassing me. They continue calling me after saying that they will stop.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : **** Delete this account.

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS SELF / LEAD Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITALONE Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FLAGSHIPCR Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as AFNI. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as XXXX XXXX. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
Product: Vehicle loan or lease

Hi, I found an advertisement for auto loan refinance on Credit Karma app. The ad showed my car specific made, model and year of manufacturing with 4.80 % from a company named XXXX. I filled the application and on the next day a man named XXXX left me a voicemail saying that I was approved. I called him and he verified all the info from my refinance application. XXXX told me that he needs to contact my current lender to get a payoff quote and then call me back. When i tried to confirm the rate he hung up. Few days later I got a text from him that he could not obtain the payoff quote and I need to get it myself. I did that and text him to confirm the rate of 4.80 % .he called me and offered a rate of over 7 %. He gave me XXXX to a different bank and that ran my credit without my consent. I tired contacting Credit Karma via live chat. I got a bot and I asked to be transferred to real person. I chatted with the real person and didnt get the appropriate answers to my issue. I asked if I am talking to a real person and didnt get the appropriate answer of yes or no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings, at this moment that I start to review my credit report I realized that there are certain reports that do not belong to me, I called the different companies, which they did not want to explain to me how this happened and why I am going through this, which I did not I see well what is in my report since I do not have a license or know how to drive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX  on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Student loan

The company Navient is all out of sorts with my loan. They ask me for payments each month that is larger than my monthly income. I have a high interest rate regardless if I enroll in my income based plan or rate reduction plan. Every time I call Navient there is no consistency with my account information and this has been going on since XX/XX/2015 after I graduated. It is extremely frustrating and it seems that they don't care and at this rate I will be paying this loan for the rest of my life. My principle amount does not decrease even though I pay on time every month almost 500 .
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish and notifying me of published information as outlined in the FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX DATE OPEN IN REPORTING INCORRECTLY ; BALANCE IN INFLATED ; PAYMENT HISTORY IS REPORTING INACCURATE. XXXX OPEN DATE IS INCORRECTED ; BLANCE IS INFLATED ; PAYMENT HISTOR MISSING AND REPORTING INACCURATE. XXXX DATE OPEN IS INCORRECT, BALANCE OWED IS INCORRECT, PAYMENT HISTORY IS MISSING AND INACCURATE. XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED WITH XXXXXXXX XXXX WHY ARE THEY REPORTING TWICE? WITH THE SAME ACCOUNT NUMBER AND BALANCE *** SEE ATTACHMENT. XXXX MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED WITH XXXX XXXX XXXX ; DATE OPEN IS INCORRECT, BALANCE OWED IS INCORRECT, PAYMENT HISTORY IS MISSING AND INACCURATE
Product: Vehicle loan or lease

We had our car repossessed on XX/XX/XXXX on XXXX. We paid the fee today XX/XX/XXXX, a total {$1300.00}. We then contacted XXXX XXXX XXXX to reclaim the car, a XXXX XXXX XXXX. We tried to file the paperwork online, but they would not allow us. They do not allow walk-in appointments. They have not given us the address. We called their number and were put on hold from XXXX until XXXX XXXX CST. Then the disconnected the call and would not allow us the call back. They did not notify the police when they repossessed the car, which is required by Missouri law. We reported car as stolen and could not file the insurance claim because of the repossession. The entire process has been unprofessional. They did not give us a final notice. The never left messages on our phones if/when they attempted to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have an inquiry on my report from XXXX bank that does not belong to me. I reached out to the bureaus months ago and was told to reach out to the company. I reached out to the company and they could not tell me who it was but did say it came from someone living in another city in which Ive never lived. I was told they could send something to the bureaus to have it removed. I called the bureaus a couple weeks later and they said they hadnt received anything. I was able to dispute the inquiry and file a police report in XXXX and I just noticed the inquiry is still on my credit report. I was able to reach Experian but have not been successful reaching XXXX. Im also locked out of my account to be able to see my reports. I called and they could not get me in and they were supposed to escalate it and I never heard anything. I called back today had customer service hang up on me, the automated system did not get what I was saying and hung up, and just automatically sent me to text. I responded to the text and they told me I have to call the number back. Its too many incidents to name but Im not getting anything taking care of from someone else info on my credit report. This has been ridiculous and going on for months for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sc XXXX XXXX {$450.00} balance XXXX XXXX collection account added to my report
Product: Credit reporting or other personal consumer reports

Transuion and XXXX shows tons of inquiries on my credit report. Ive called to have these removed. The inquiries were removed then added back to my report. Ive called them about this issue and keep getting the run around and finally was told that the inquiries would be removed within 30days. There still showing on my report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting or other personal consumer reports

Please refer to complaint against Capital one on this platform # XXXX. 

I have supporting documents attached. This company has improperly used my credits and also my credit report. The supporting documents have already been sent for processing to the IRS. Capital One illegally closed my account. I am the financial fiduciary over the account and my estate. Please the attachments. If the balance is not corrected and account reopened I am going to the CID and Inspector General of the IRS and the FBI for fraud, identity theft, and a possible Rico case. I want Capital one to produce an XXXX OID for this case and also produce the XXXX and XXXX where I have made them fiduciary and financial trustee over this account. If they can not and do not correct the ledger on the public and private side and send me proof in 7 days. I am going to notify the authorities listed above. 


I declare and decree in XXXX name this is so, amen!
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a letter that I was cashing check from XXXX in California which was not me through Certegy and I already file a police report would like to forward it to them I will attach my ftc and my local police report on this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in contact with XXXX since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online XXXX website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.
Product: Mortgage

they call me at least twice a week To try to get me to refinance my house I explain to them I dont wan na refinance and can you please stop calling me.Every month when its time for me to pay my mortgage they transfer me to a sales person instead of letting me do it through the automation system, every month it makes me reset my password on the online app just so that I have called them so that they can try to sell me to refinance.
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 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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

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. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : US DEPT. OF EDUCATION/XXXX  # XXXX, Account name : XXXX XXXX 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 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 paid the balance of XXXX XXXX XXXX XXXX on this account in XXXX of XXXX. Ive disputed this account but same results.
Product: Consumer Loan

Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period.