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

Charge off account-XXXX XXXX Certificate of indebtedness. 
This account has been charged off and is considered a certificate of indebtedness. Per 26 CFR 108, IRC section 108, and 29 US code 108- a certificate of indebtedness is considered income and income can not be reported on my credit report and must be removed. Under IRC section 108, and 26 U. S. Code 108-income from discharge of indebtedness, a taxpayers cancellation of debt is included in gross income unless specific exceptions apply. 

Right to opt out-Law 15USC-6802-6805 Privacy act of 1974 Per the FCR Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission and this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX credit reporting. Please delete this account from my Transunion report per Privacy act of 1974, and 15USC-6802-6805.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXX XXXX  Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized inquiries on my Equifax credit report.According to the Fair Credit Reporting Act, legally these unverified and unauthorized items MUST be removed!! All highlighted items MUST be deleted from my credit report and my credit file should be updated
Product: Credit reporting or other personal consumer reports

I would like these fraud accounts to be immediately removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. My information was expose in both the Equifax breach in XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
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, credit repair services, or other personal consumer reports

In accordance with the Fair Crediting Report Act, the account listed below has violated my federally protected rights to privacy and confiendentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX This account has violated my rights.
Product: Checking or savings account

I called chime my online banker and reported that my account has been hacked they ask me to send over identification documents so I did I called the next day and there are no notes that I even called the representative tells me to send over the information again so I did she said it will take 24 to 48 hours to get access to my account. Two days later I havent heard from no one so I called again the representative does not see any notes or no what Im talking about so she has me send over my documents again the email address they have on file is the hackers email they never changed it. So I call again and again and again they tell me the same thing send over identification I did again and still no notes I cant pay my bills my account is suspended and its the third week now and I still cant access my account
Product: Credit reporting or other personal consumer reports

The information on this account has been changed XXXX times incorrectly. My XXXX  credit card account originally showed up as being late in the month of XXXX. I disputed this information because the account was never late. Shortly, there after the account was fixed and showing that it was on time for XXXX and the late payment history was removed. Then about XXXX weeks ago the account was saying that it was on time for XXXX, but was now late for XXXX. Which made no sense because it was the beginning of XXXX then I disputed this account again and the result was that it was late for XXXX, but on time for XXXX. Which again makes no sense. Again this account has never run late! So the information has changed twice and is still incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is requesting increasingly personal information. Each time saying it doesn't recognize phone number I have had for at least 15 years! These are foreign individuals. First one got SS # and heard that my call was related to understanding why XXXX XXXX XXXX would decline coverage based on Consumer Reporting Agency information. THIS SHOULD NEVER HAVE HAPPENED as I did not request coverage with this insurance company and never provided SS #. That person, XXXX, hung up on me. I called back & someone by name of XXXX ( foreign speaking ) gave me great grief regarding additional information she wanted and kept saying " system didn't recognize answers and blocked her '' so needed more and more PERSONAL information. I requested to speak with a Supervisor and was put on TERMINAL hold. Then a recording kept playing over and over again with initializing automated recording all over. I had to call back and finally got a supervisor. It was a nightmare!!!! just trying to confirm that my credit freeze was in place. 
SOMEONE NEEDS TO DO SOMETHING ABOUT THIS AWFUL PROCESS!!!! It was an hour and one half to get a simple answer regarding confirmation of my credit freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the following items : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I was scammed out of {$6400.00}. I made a check addressed to XXXX XXXX XXXX in that amount to pay a credit card debt. The check was drawn on my checking account in Capital One. I mailed the check from my local post office at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX The check was intercepted, and the name was changed to XXXX XXXX. The check was cashed in XXXX XXXX XXXX. I mailed the check on XX/XX/XXXX, and it was intercepted and cashed on XX/XX/XXXX. I complained to Capital One bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to the manager, XXXX XXXX. I complained to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I complained to the police in my local precinct, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two detectives were assigned to my case- XXXX XXXX and XXXX XXXX XXXX I have not heard anything from any of these parties, and I am out that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acct # XXXX XXXX, Acct # XXXXXXXX XXXX XXXX, Acct # XXXXXXXX XXXX XXXX, Acct # XXXXXXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXXXXXX XXXX XXXX
Product: Checking or savings account

Re : SunTrust I went to get gas today and my card was declined. I tried to login on the app and couldn't. I called the bank to see what was wrong as I knew I had plenty of funds. 
The rep stated that my account was frozen and it's under investigation. She also stated they were closing my account and she couldn't reverse it because SunTrust no longer wanted to continue a banking relationship. She could not give me a reason. 
I requested the call to be escalated. I spoke with XXXX who told me the same info. He also told me my childrens accounts were frozen as well. He stated I was flagged for suspicious activity. I explained that it was not possible. 

I use the accounts for paying bills and everyday expenses that bear no semblance to suspicious. I've had my account for over a year, I only have my SSI deposited into the account. I recently opened accounts for my minor children who are also on SSI and that's the only thing deposited in their accounts. I showed proof of everything when I opened their accounts as their representative payee. Mine and my son 's funds are direct deposited from SS and my daughter just received her checks to open an account so SS could direct deposit them as well. I still don't know where the issue is but that's my only guess. These are all United States Treasury checks. 

I have {$0.00} to survive on as they're holding everything. My children can't get their medical care, I can't pay my rent or bills and now I'm going to accrue late fees and this will ruin my credit due to be unable to pay. We can lose the roof over our head and SunTrust can only tell me I will get a letter within 30 days. 

The other issue is that I now have to contact SS for all 3 accounts and have payments stopped and go through the process of opening new accounts. That's a nightmare in itself. I would greatly appreciate any assistance or ad vice in resolving this matter. 

Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX of XXXX, Illinois and owned by XXXX XXXX XXXX and XXXX XXXX XXXX, have, since 2015 reported to the credit bureaus an amount owed by me of {$730.00}. This was an incorrect amount as it did not reflect insurance payments received by them. I have contested this amount for these very reasons numerous times since 2015 and it was repeatedly, and incorrectly, reported by XXXX XXXX XXXX XXXX as being the incorrect amount. This was confirmed to me today by their bookeeper, XXXX XXXX. Remarkably, they take no responsibility for this incorrect and damaging information they simply said " Although we reported it incorrectly to the collection company ( Certified Services , Inc of XXXX, Illinois ) we are no longer repsonsible since they reported it on your credit. When I challenged this statement by saying " But you gave them the wrong information '' they acknowledged that but still denied responsibilty saying " Once we report it we're done '' I believe the law requires them to correct negative information they know to be incorrect. 

I have tried to pay the proper amount since 2015 but have been thwarted ever since. This has been a stain on my credit report and an inaccurate one as well. Consumers are supposed to pay their bills but providers and collection agencies are required to provide factual information and, when a verification request is promulgated they are supposed to research and update the record as required by law. Both XXXX XXXX XXXX XXXX and Certified Service, Inc ignored the law and continued to report incorrect information for 4 years despite numerously repeated efforts by me to get the information corrected so that I could pay it.. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Bank account or service

On XXXX XXXX, XXXX SunTrust XXXX branch rep XXXX XXXX opened a personal acct for me, I clearly told her to put promotional code on the new account with {$200.00} bonus. I also asked her to print out promotional offer for me. I have email confirmation showing the account was enrolled in promotion on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I had more than {$2000.00} direct deposit came into my account which qualified the promotional offer requirement. This Rep told me it takes about XXXX weeks to get promotional bonus. Now it 's been 5th week after the account met all promotional requirement. However when I contacted the customer service, I was told emailed that no promotional code listed on my account. Also when I checked the promotional status of enrollment, it shows not qualified. 
Same as my business account. On XXXX XXXX, XXXX XXXX XXXX opened my business account and handed me promotional offer. I have email showing business acct was enrolled in promotional offer on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I enrolled in XXXX XXXX which qualify the promotional offer. However she blocked my enrollment for 20 days until XXXX XXXX, XXXX in order not to pay {$400.00} promotional bonus. On XXXX XXXX, XXXX she told me it takes 4-6 weeks to receive {$400.00} promotional bonus. Now 5 weeks passed since acct met promotional requirement. But enrollment shows not qualified. 
At this branch, I experienced terrible services and harassment. Such as missing deposit on XXXX XXXX, XXXX ; Cancel account on XXXX XXXX, XXXX ; Blocking online banking on XXXX XXXX, XXXX ; Blocking other features on XXXX XXXX, XXXX ; Blocking enrollment of Online Cash Manager for 20 days ; Violation of customer privacy to copy Deed and Settlement sheet to obtain physical address which against my will on XXXX XXXX, XXXX ; Repeatedly let customer sign same document 6 times ; Extremely bad attitude and harassment at branch on XXXX XXXX, XXXX and other occasions ; etc. I have filed 3 complaints just within 10 days of account opening with this bank regarding all these listed issues. 
I am asking {$600.00} promotional bonus to be received immediately since all requirement were met. I also ask this bank to delete all my personal information to close the accounts AFTER I RECEIVE MY DEPOSIT AND THE PROMOTIONAL BONUS.
Product: Student loan

XXXX Mohela increased my monthly payment from {$270.00} to {$2100.00} without any warning. The online account shows my recertification deadline had been extended until XX/XX/XXXX for {$270.00}, however, I received a letter stating my payment had been increased to {$2100.00}. When I called Mohela to discuss this, the agent confirmed the new payment amount, but said she could see where I was previously paying the {$270.00}. At first, she said the repayment plan had been applied prior to my loans transferring to them and the repayment plan had not been transferred with and no new applications were received. This was old news and had been resolved in XX/XX/XXXX through a CFPB complaint. When the agent was directed to the communication from Mohela with the new approved amount because of the CFPB last year, the agent stated they could not find that letter in their system. Requests to speak to a supervisor were not honored at first. The agent placed us on hold and then said that Mohela is in the process of updating borrower accounts due to the Department of Education pushing back the IDR recertification deadline again. She said Mohela will apply for a forbearance, no payment is required, and guaranteed the forbearance will count for PSLF. None of this information could be validated on the Department of Education 's website and the agent stated she could not provide anything in writing. The agent also gave conflicting information as she stated that the forbearance will not be automatically applied, and I would need to request it ( even though she said it would be applied in the beginning ). I had also just received several notices showing a 1-day forbearance being applied each month from XX/XX/XXXX- XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 These fraudulent accounts include personal credit card with XXXX XXXX XXXX on XXXX, apartment with XXXX XXXX XXXXXXXX that lead to collection with XXXX XXXX XXXX on XXXX with a balance of {$2200.00}, with XXXX XXXX that led to XXXX XXXX XXXX XXXX ) and XXXX XXXX on XXXX with a balance of {$390.00}, a personal credit card with XXXX XXXX  XXXX with a balance of {$970.00}, a personal loan with XXXX XXXX on XXXX for a balance of {$1500.00}, a subscription of XXXX XXXX that led to collection with XXXX XXXX XXXX XXXX XXXX with a balance of {$370.00}, an auto loan with XXXX XXXX  that led to collection with XXXX XXXX XXXX with a balance of {$8000.00} and XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

Affirm informed me on their website that they would not report loans with a XXXX XXXX XXXX  or short-term loans as long as they're paid off. I paid the entire loan off on time as agreed. This is also well-documented by various news outlets. 

Against their agreement, they only now reported a single payment to XXXX with the rest of the loan unpaid. 

They led me to believe they would not report if I abided by the terms. I would not have taken it otherwise, as it was for a promotional offer through XXXX. 

I have almost {$70000.00} in credit, I don't need a {$120.00} loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a past due of 30 days reported to CRA and it is incorrect information being reported. I contacted citi bank and was told that I can pay balance off and they would reverse late fee and also not report to my credit bureaus. I lost my job because of COVID and under the Cares act program I was told I would not be reported to the bureaus. After paying my account in full the rep XXXX at Citi advised not to worry about it. I need this removed immediately.
Product: Credit reporting or other personal consumer reports

The dispute I opened up with XXXX with wells Fargo was denied. They did not close the account, and it did not get removed from my credit report. I never opened up a Wells Fargo account, and I have never had an account with Wells Fargo. I do not want that account, and its hurting my credit. I need it removed
Product: Debt collection

I had an issue with XXXX XXXX that stems from XXXX losing my account for twice. I had been a customer for 7 years and suddenly my service gets cancelled. The reason I was given on one of my 9 calls to XXXX was somebody tried to open service at my address and they weren't supposed to cut service but they did. After repeated communications where their accounting system did not show I made payments via auto pay or that I had an account for 7 years I was told by XXXX  to dispute the charges with my XXXX credit card, which I did. I also closed my account. At the time of closing I had a XXXX   balance as I paid everything. Months later I was sent a bill with cancelled payment fees. I contacted XXXX again notifying them I closed my account and that XXXX told me to dispute charges. XXXX stated they are submitting paperwork to resolve the accounting issue. I haven't heard from XXXX since and it has been a few months. Today I received a notice from my credit monitoring that there are open accounts and derogatory marks posted by a collection company employed by XXXX.