23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I identified that XXXX and the FSA website had two different due dates for my student loans. I followed the issue and the due dates were changing daily. On XXXX I submitted a complaint to the FSA website, case # # XXXX that my due dates were changing. 

I also sent a message on XXXX that the due dates were still changing and it was even changing multiple times in a day. That continued for several days. Then I noticed that both XXXX and FSA had the same due date of XX/XX/XXXX. 

In reviewing my Federal student loan account XXXX  on the FSA website, I see that my date due for my next payment is XXXX. On XX/XX/XXXX, that payment due date was XXXX. Today, XX/XX/XXXX, that payment due date is XXXX. Less than XXXX weeks away. I am checking my loans every day for this very reason. I do not trust the information and I do not want any late payments to hit my credit report. What is happening that the data on these websites simply can not be trusted. These are huge loans, and it is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I pulled my credit report and discovered there is a fraudulent account in my credit report. I did not open Wells Fargo credit card in XX/XX/2007. This is a result of identity theft. I contacted the credit reporting agencies and they deleted the fraudulent accounts from my credit reports. However, XXXX  credit bureau reinserted the Wells Fargo account back to my credit report ( please see attached deletion letter from XXXX  ). I insist that Wells Fargo Card Services account is fraudulently opened and I have no knowledge of this account.
Product: Debt collection

I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for unlawful debt collection practices regarding a debt that I believe is barred by the statute of limitations under Texas law. 

The debt in question was charged off on XX/XX/XXXX. Under Texas Civil Practice and Remedies Code, Section 16.004 ( a ), the statute of limitations for most consumer debts, including credit card debt, is 4 years from the date of default or the last payment made. Based on this statute, the time limit for filing a lawsuit to recover this debt expired on XX/XX/XXXX. As a result, Portfolio Recovery Associates , LLC is no longer legally able to pursue this debt in court or engage in collection efforts. 

Despite the expiration of the statute of limitations, Portfolio Recovery Associates , LLC has continued to contact me in attempts to collect this debt. I have not received any formal debt validation notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which requires that a collection agency provide proof of the debt and their legal right to collect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The following status is incorrect and incomplete XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was alerted by my Chase Amazon credit card that my card had been shut down due to suspicious activity. I immediately signed in to my credit card account to find the following : XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX XXXX Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX TOTALING- XXXX After finding these fraudulent and unauthorized charges I contacted Chase card services to report that, these were not my charges. After speaking with Chase, I contacted Amazon and XXXX XXXX. At which time, I was told the charges, from both companies would be removed. And, they were ... UNTIL ... I learned today XX/XX/XXXX, that I had been re billed for these previously removed unauthorized charges to my Chase Amazon Visa. I was also not informed in any way by Chase Amazon Visa that these charges were being rebilled or why, I just happened to be going over my XXXX statement and bam ... there they were AGAIN all {$360.00} of fraudulent charges complete with interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that are unfamiliar ; that I did not perform credit checks for. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance sent me a tax form stating the auto loan was forgiven and it was mandatory to file the form with my taxes. Now I am seeing the debt of the loan being re-aged and reappearing on my credit. Since the loan was cleared as a gift for the forgiveness of repayment it must be deleted from all credit bureaus reporting on my credit immediately and stop reporting it as re-aged. The loan was taken in 2014 and has been over 7 years of it reporting. Why is the loan still on my credit being re-aged? Other auto companies are running my credit and finding the repossession still reporting.
Product: Checking or savings account

On XX/XX/XXXX, I was informed by Truist Bank that I have an administrative hold on my bank account. I was attempting to make a purchase and my purchase was declining ; therefore, I contacted the Truist Bank to see why my purchase was declining. I went to the Truist branch in XXXX, Ga and the representative contacted XXXX XXXX from the corporate 's office in North Carolina. XXXX XXXX informed me that my account is an LLC and that I made payment to the defendant from the account which proves that it is an LLC account. XXXX XXXX stated that they will not be release no hold from my DBA account. There's no law that states that I can't pay certain people out of my account. I had to make an appointment with a local Truist branch in XXXX, Georgia and I provided them with all documentations to prove that my account is a DBA account not an LLC account. I provided them with documentation that m.y TIN on file with Truist Bank is my DBA account. I also provided IRS documentation of my TIN for my LLC which is not the TIN on my account at Truist Bank. My account with Truist Bank is an DBA account. I provided proof that my LLC with the State of Georgia was established on XX/XX/XXXX and my account was opened with Truist Bank was on XXXX.The amount of the judgement is different from the amount that is on the administrative hold. The amount once matched the judgement amount than after I had a disagreement with the defendant 's attorney the amount went up on my Truist Bank account. I will be pursing legal actions against Truist Bank because this have caused my financial hardship, mental distress and is causing my credit to be ruined because I'm not able to pay my bills all cause of ignorant employees of Truist Bank. Ms. comb is practicing out her scope by trying to make legal decision without using common sense that this is now putting Truist Bank at state for more legal actions.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST 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 : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may  be a   XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  credit score  and needs to removed ASAP. This is double hitting my  credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX  XXXX. The payments were set to auto pay XX/XX/2016 - until. After 18 months it stopped without my knowledge. XXXX failed to notify me by mail or phone and repossessed my vehicle. I paid late payments the very next day when I was finally notified after the repossession. I explained to them of their mistake ( WHICH THEY FAIL TO ADMIT ) and they still reported it to credit bureau and ruined 20 plus years of good credit. When trying to resolve with staff including supervisors some were extremely rude and not willing to resolve the issue. One even admitted they understand my point but still was unable to resolve. After filing complaint they continue to report this to credit bureaus. This is MAJOR BULLYING on their part as I only have a few resources to go up against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am submitting this complaint that : In accordance with fair credit reporting act.the list of account below has violated my rights and federally protected consumer report. 
XXXX Funding -account # XXXX In accordance Fcra 15USC 1681s-2 ( A ) ( 1 ) A Person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate.
Product: Debt collection

This collection agency is reporting a debt on my credit report, but they are no longer handling the account. Since they are no longer, handling the account, and it has been referred back to the original company. I asked them to delete this information from my credit file. They don't have any more information on me, it has been transferred back to the company that hired them to collect the debt. If they are not handling this account, they should not be reporting information in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed this account from XXXX XXXX with XXXX, Transunion, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3. 
2. Date opened is inaccurate. 
3. Payment status is inaccurate. 
4. Last reported dates are inaccurate. 
5. Comments on all 3 accounts read something different. 
6. Date last active is different on all 3. 
7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off. 

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress they cause me. My information was impacted by the Equifax data breach may have got into the hands of the wrong person. I am begging for help at this point.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX
Product: Checking or savings account

With regard to case number XXXX, Bank of America made the investigation results without anyone contacting me to understand the matter. I firmly refuse to accept it. How do they investigate? What is the evidence? Why do you say I only deposit XXXX? I myself have never confirmed and agreed with what they said that I deposited XXXX, and I do not agree with the findings of the Bank of America.
Product: Vehicle loan or lease

I have an open account with a company that I currently have a car with. I make regular bi-weekly payment to this company. They have done a hard inquiry on my credit report.   On  XXXX    XXXX   ,2017  my score declined by  XXXX  points for this unauthorized transaction. I contacted the company and asked them why they did this and they said because they were trying to get a hold of me and that I failed to return a phone call. My account was  ( 1 ) ) day late.They said that they were not going to correct the transaction
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 federal consumer to privacy and confidentiality under 15 usc 1681.

15 U.S.C 1681 section 602 A. State 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 ) Sections states 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 ) Reporting information with actual knowledge of errors, 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 1681b - Permissible purposes of consumer reports ( a ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The statute of limitations for debt varies by state and by debt type. In Pennsylvania, auto loan, credit card, mortgage and medical debt all have a statute of limitations of four years. 
Account Name : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX, XXXX
Product: Checking or savings account

{$100000.00} plus in a Capital 0ne 360 saving since at least XXXX at approx 1 %, then it went .34 % thru XXXX. When apparently something called 360 performance savings was available since maybe XXXX, obviously not known to me. 
This lack of notice in any form of mail, I get tax info, email or phone cost me an estimate of approximately {$24000.00} since XXXX. What I have received is approx {$2000.00} since XXXX. 
I have CDs and credit card with cap 1 and get monthly statements on card with no mention about savings changes.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following entries on my credit report were not authorized by me : Fraudulent Accounts : XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$3300.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$3300.00} Fraudulent Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  XXXX - Dates : XX/XX/XXXX ( multiple instances ) XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Student loan

Federal Student Loan borrowers are unable to deduct student loan interest they paid during the year if they make more than {$80000.00} per year. This rule should be reconsidered ; federal student loan interest should be able to be deducted no matter what one 's income, especially if one lives in a city with a high cost of living, is single and works in public service. High federal student loan interest rates create a burden on borrowers ; a tax deduction would ease some of this financial burden and allow borrowers to save for their futures.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX 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

XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX CHARGE ACCOUNT High Balance {$430.00} >Sold ; was XXXX Closed XX/XX/XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF in accordance with the Fair Credit Reporting act XXXX  Account # 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