23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaints, 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- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) 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. 
XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX. Balance : - XXXX XXXX XXXX  XXXX .... Balance : - US BKPT CT CA XXXX XXXX Identification number XXXX XXXX filed XX/XX/XXXX Status XXXX  XXXX bankruptcy discharged.
Product: Debt collection

I have already payed the company almost a year ago. I called the company and send them a Copy of my bank statement proving this. They agreed they had received it. I do not know why it is showing up now on my credit. This had been settled before it affected my credit. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX consumer report that is being furnished by XXXX, XXXX and EXPERIAN ( CRAs. The CRAs are furnishing this consumer report, divulging private information without the express written authorization of the Surety. This unauthorized activity by the CRAs has caused serious harm. This is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury if CRAs fail to CEASE & DESIST reporting without the consent of Surety.
Product: Credit reporting or other personal consumer reports

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/22 there was XXXX dollars withdrew refunded then withdrew again on my account. I contacted the bank to try and stop it but was to late so I disputed was denied. So I track down phone number and email sent to the bank by email and was denied again since then I have been contacted by the people who took the money making comments on what to do to get my money back.
Product: Checking or savings account

I opened a CD account w/ GS Bank/Goldman Sachs on XXXX XXXX. 2017 on the telephone ... since ... .today, 17 days later, I have not recieved any confirmation at all about this account. No e-mail, no hard copy, nothing! In addition, I have called GS bank 3x first asking when will the " trial transfer '' happen, they said ... '' we do n't tell you '' ... .I 'm asking " how am I suppose to know??? to confirm back to you? '' ( every other financial instituation sends e-mail trial transfer amounts to comfirm BACK to them! ... .then tonight I got " grilled '' /security abuse for asking why, when, where has my CD been funded! they asked more than 5 security questions ( I thought the LEGAL was 3 ) and they/customer service wo n't tell me their name, ID, reference, nothing! who are these people? are they " bonded '' ... this is OUT of CONTROLL! security abuse!, no info. on my ( JUMBO ) CD ... .this is a TERRIBLE ... BAD BANK ... .. BEWARE of GOLDMAN SACHS - GS Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted documents stating that 3 accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on X/22. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on X/X/17. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
Product: Payday loan, title loan, or personal loan

I called Opploans that this current was filed under my XXXXXXXX XXXX bankruptcy, I was told that problem would be resolved and changed off my credit report. 
I recently called to check status of this I was informed that nothing has been done. 
This why I am filing a complaint opploan had time to change the status on my credit report.
Product: Credit card or prepaid card

I double paid by accident my minimum payment in XXXX. I thought my minimum payment would be applied the next month. I was incorrect plus they charged me a {$29.00} late fee. I was willing to not be refunded the double payment but not the late fee as I don't have a habit of paying late. 

I talked to rep and who they said was a supervisor who was unwilling to refund me the late fee.
Product: Mortgage

I AM WRITING THIS COMPLAINT, AS OCWEN IS DENIED ME ON A HAFA SHORT SALE FOR REASON OF THEIR OWN, CAUSING US FINANCIAL HARDSHIP. WE WERE EXPECTING THE $ XXXX RELOCATION MONEY, THEY DENIED FOR REASONS NOT ON THE DOD FRANK FORM. ANY AGENT HAS REQUESTED THEIR DOCUMENTATION TO SUPPORT THE REASON FOR THE DENIAL. THEY HAVE NOT PROVIDED IT. THEY KEEP ASKING FOR DIFFERENT PAY OFF STATEMENTS FROM THE XXXX MTG OTHER THAN A NORMAL PAY OFF DEMAND.
Product: Credit reporting

EQUIFAX XXXX HAS FAILED TO REMOVE INFORMATION OF XXXX XXXX XXXX ACCOUNT NUMBER XXXX AFTER SEVERAL ATTEMPTS BY XXXX XXXX XXXX TO HAVE THE INFORMATION REMOVED FROM MY CREDIT FILE STARTING ON XXXX XXXX XXXX XXXX XXXX XXXX SENT INFORMATION OVER TO EQUIFAX EXECUTIVE DISPUTE TEAM ASKING THEM TO REMOVE ALL DEROGORTORY INFORMATION FROM MY FILE UNDER THIS ACCOUNT NUMBER, ON XXXX XXXX OF XXXX XXXX XXXX XXXX SENT ANOTHER NOTICE TO EQUIFAX XXXX TO REMOVE THE INFORMATION AGAIN. PER MY CONVERSATION THAT TOOK PLACE WITH XXXX BACK IN XXXX OF XXXX SHE STATED THAT INFORMATION WILL STAY BECAUSE THE INFORMATION IS INDEED MINE AFTER I TOLD HER I DIDNT HAVE ANY KNOWLEDGE OF THE ACCOUNT NUMBER LISTED. A CUSTOMER SERVICE AGENT FOR THE BANK NOT AUTHORIZE TO MAKE A DECISION ON THE ACCOUNT XXXX BANKS TOOK THE WORD OF THAT CUSTOMER SERVICE REP AND REFUSED TO DO AN INVESTIGATION ON THE EXISTANCE OF THE ACCOUNT ON XXXX OF XXXX XXXX POLICE DEPARTMENT DID ANOTHER INVESTIGATION CITING THAT THE ACCOUNT WAS INDEED FRAUDULENT AFTER SPEAKING WITH UPPER MANAGEMENT OF XXXX XXXX XXXX. ON XXXX XXXX TOLD XXXX XXXX XXXX TO CEASE FROM REPORTING THE FRAUDULENT INFORMATION. ON XXXX XXXX XXXX XXXX XXXX AND XXXX LAW FIRM HIRED BY XXXX XXXX XXXX. STATING THAT RIGHTS UNDER THE FDCPA AND NCFDCPA HAD BEEN VIOLATED. AND XXXX XXXX XXXX ADVISE EQUIFAX AT THAT TIME TO REMOVE THE ACCOUNT FROM MY CREDIT FILE. ON XXXX XXXX OF XXXX XXXX XXXX XXXX COLLECTIONS DEPARTMENT MANAGERS ADVISE ME THAT THEY HAD ALREADY TOLD EQUIFAX BY ELECTRONIC SUBMISSION TO REMOVE THE INFORMATION FROM MY CREDIT FILE BACK ON XXXX XXXX. XXXX XXXX XXXX ALSO ADVISED ME ON XXXX XXXX XXXX AFTER DOING ANOTHER INVESTIGATION STATED THAT THE ACCOUNT WAS NOT REPORTING TO MY EQUIFAX CREDIT FILE. AS THEY PULLED MY CREDIT REPORT TO DO THE INVESTIGATION XXXX XXXX. ON XXXX XXXX XXXX I RECEIVED INVESTIGATION RESULTS FROM EQUIFAX STATING THAT THE ACCOUNT WAS CERTAINLY REPORTING TO MY CREDIT FILE. AFTER ANOTHER CONVERSATION WITH XXXX XXXX XXXX SHE STATED THAT THE INFORMATION WILL REMAIN ON MY FILE EVEN AFTER THE CREDITOR ASK HER AND EQUIFAX TO REMOVE THE INFORMATION IN QUESTION. ON XXXX XXXX XXXX XXXX XXXX XXXX SENT ME ANOTHER LETTER STATING THAT THEY HAD CHECKED MY CREDIT REPORT AND THE INFORMATION WAS NOT REPORTING. AND THAT THE INFORMATION SHOULD NOT BE REPORTING. THEY HAVE ASKED EQUIFAX ON SEVERAL OCCASIONS NOT TO REPORT THE ITEM. THIS CLEARLY SHOWS THAT INFORMATION IS BEING RE INSERTED BACK TO MY CREDIT FILE WITHOUT PROPER DOCUMENTATION BEING SENT WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION XXXX XXXX
Product: Money transfers

defrauded out of XXXX bywire transfer fraud/ scam.
Product: Student loan

I, XXXX XXXX, hereby issue this formal Notice of Identity to affirm and clarify my status. 
XXXX. Identity Acknowledgement : I am a natural-born man, living and operating under the natural law. 
I am not a federal debtor, nor do I identify as a corporate fiction or legal entity created by government designation. 
I am not a XXXXXXXX XXXX  as defined under federal statutes but rather a XXXX XXXXXXXX XXXX XXXX. XXXX XXXX : My identity exists independently of any corporate, statutory, or federal constructs. 
I do not consent to being classified, presumed, or treated as a subject of any corporate jurisdiction or regulatory framework that contradicts my natural rights. 
XXXX. Purpose of Notice : This notice serves to formally establish my standing and status for all interactions, records, and matters requiring clarification of my identity. It is provided without prejudice and in full reservation of all rights and remedies under the natural law. 

I respectfully request that this notice be acknowledged and incorporated into all relevant files, communications, and interactions concerning me. Any attempts to misrepresent or misclassify my status will be considered a violation of my rights. 

Thank you for your attention to this matter. 

Without prejudice, XXXX : XXXX All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted experian XXXX and XXXX to dispute these items and give them my updated address and they hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting erroneous information on my credit report. They are reporting & attempting to collection a debt for XXXX liquidators that has already been paid and the deed transferred. IT even says Paid in full on the report yet they continue to update a balance and attempt to collect an erroneous debt. 
The credit bureaus have been disputed as well and unless they can provide proof that this is mine, NOT XXXX XXXX ... the creditor & the bureaus are all in violation and the next correspondence will be from my attorney & I am contacting the attorney general in your state of operation.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, several fraudulent accounts and inquiries have appeared on my credit report. I request that these fraudulent accounts and inquiries be blocked and deleted from my credit file as per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$410.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$2400.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} Inquiries to be Investigated XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XXXX, 2015 received a bill for {$40.00} from Phillips 66 serviced by Synchrony Bank. I paid it on time electronically ( bill pay service ) but it went to the old credit card number. Synchrony continues to add finance charges and ask for more info. I have faxed a copy of my bank statement. My bank has sent a letter showing proof of payment, later ACH numbers to show where payment came from and where it went. My bank, myself and Synchrony engaged in a conference call and now they want 3 months of bank statements. Enough already! I am not sending 3 months of statements. This is all a ploy to wear me down. The old servicer of this account ( XXXX I believe from my bank 's research ) has probably forwarded payment. Synchrony wants me to call XXXX. Synchrony should do the research from all the data we have provided them and issue a statement to the credit bureaus to clean up any adverse reports about me. This account was paid and should be credited as such..
Product: Vehicle loan or lease

I have been in contact with Ally Financial/Bank trying since last week to get a payoff faxed to my local bank so I can refinance. I've been trying to get that information since last week XX/XX/year>. I have talk to numerous people all which I can barely understand and I have had XXXX luck getting the payoff faxed to my bank. I have spent hours on the phone with no help and then I have also been forwarded to the fraud department. Then when i talk to the fraud department they are telling me it a dealer reassignment but are unable to tell me what that means and that I have to contact the dealer where I purchased. I have contacted the dealer which I bought the vehicle at and they have no information from Ally. They have no idea to what they are talking about and have not been contacted by Ally. They said that dealer reassignment is impossible because they sent the title to Ally. It seems that 3 people that I talk to can't fax it and transfer me to the fraud department. Then the other people at Ally I talk to say that the payoff will be faxed but it never happens.

I'm also trying to get my title or a copy of the title so I can register the vehicle in XX/XX/XXXX after moving from Nevada. The state of XX/XX/XXXXusually gets that info automatically but hasn't received any from Ally.
Product: Mortgage

I was contacted by my mortgage company ( Freedom Mortgage ) about refinancing. It sounded too good to be true since they said it would not cost anything. I verified that the company was legitimate and decided to pursue on XXXX XXXX 2016. I have a few rental properties and the loan officer asked some questions and he incorrectly filled out an application for me. I told him that there was missing information and he stated " you already have a loan with us and you qualify only on your income so it should be fine ''. Well once it got to underwriting, they have been slowly asking me for information for a complete financial snapshot which I understand. It is now XXXX XXXX and I have no idea when the refinance will be completed. They are apparently still missing some information that could have been requested at the time I initially provided all of my information. To top it off, the most recent loan documents that they sent me have changed the terms of the loan. It seems like a bait and switch.
Product: Debt collection

There is no instrument of indebtedness in its original form for the debts listed below. I never received a contract of any sort signed by myself to any of the credit reporting agencies. I honestly don't believe that any of this information belongs to me without the verification in a contract. According to the law, this is illegal According to the FCRA as well as the Comprehensive Credit Act of  XXXX. I'll be seeking litigation remedy if not resolved at once. I am entitled to at least {$1000.00} in damages for every unverifiable item within my credit files. None of this information can be confirmed. XXXX XXXX XXXX XXXXXXXX Opened XXXX {$86.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX {$130.00} XXXX XXXX XXXX Opened XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

fcra violations not mine : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$370.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX. 



address not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family names not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not recognize the creditor JPMCB Auto at XXXX XXXX XXXX XXXX XXXX TX XXXX. They have been sending me collection notices in about the collection account reporting that this is past due. I do not know this company and they do not have a contract bearing my signature. I have never done business with this company.
Product: Debt collection

I called the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX on XX/XX/17 regarding a road toll debt I informed XXXX that because of this debt a DMV hold was placed on my plates, I asked if I could get a settlement on the XXXX she offered me XXXX. I called today XX/XX/17 to pay the debt, when I called and spoke to XXXX I adv her of the settlement offer and wanted to pay it. She informed me that the settlement offer was invalid since I had the DMV hold I adv her I told the original woman about the hold. I then spoke to a supervisor XXXX and she told me the same thing. I said I will report this but I had to pay the full debt to get the hold taken off my DMV tags. Then I was transferred to the payment rep and when I got over there and I said I wanted to pay the debt she took the payment. I then asked for a receipt of the payment and I was told they do n't send out receipts I asked to be transferred back to a supervisor XXXX and she told me it is policy not send out receipts and the rep was supposed to inform me of this before they took the payment ( She did not ).
Product: Payday loan, title loan, personal loan, or advance loan

I just don't understand how I took the loan out in 2020, tried to work with them on paying the loan back, ultimately had to default on it after making two fulll years of payments and I owe more money than what I borrowed.

Original loan amount {$4900.00}.

Amount in collections {$5300.00}.

Originally took out the loan due to my wife not working during covid, I was suffering losses at my job because of covid. I was also working my way through school. Granted, I took out the money, but this loan just seems predatory. Now the collection agency they sold the loan is filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names are reporting on my credit file. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My full date of birth is not reporting XXXX Incorrect addresses are reporting on credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Product: Debt collection

The company has filed suit with the XXXX XXXX XXXX in XXXX Nebraska. Attempted to obtain more information about the debt and was told by their representative no information could be provided as the debt is currently in litigation