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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION FILE NUMBER : XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that XXXX. 
Accounts : Account numbers : Date Opened 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 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 I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XX/XX/XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear TransUnion, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach in accordance to 15 usc 1681c-2 ( a ) Accounts in Question : XXXX XXXX XXXX {$710.00} XXXX XX/XX/XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX {$1600.00} XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX {$1200.00} XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 



Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 



Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 



Sincerely, XXXX XXXX XXXX
Product: Student loan

I have been in the process of getting a temporary economic hardship forbearance since XXXX because I sat for the Delaware XXXX in XXXX and had no income until I began my clerkship a few weeks ago. For months now AES has misled me all while my loans have been accruing interest, penalties, and late fees. I have called every week and each week the customer service reps have told me they did n't understand why I kept getting denied because of a missing signature on a document I enclosed only for reference. To say I am frustrated is an understatement. I 'm trying to refinance my loans with a different company because AES and XXXX will not work with me at all for repayment options and have strung me along for months in trying to get this temporary forbearance. But I ca n't refinance my loans while they are all delinquent! AES is completely wrecking my credit and there is nothing I can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my credit report that I did not recognize nor authorize. 
ELAN FINANCI Commercial Banks XXXXXX/XX/2022 XXXX
Product: Checking or savings account

Chase claims they do a courtesy one time no overdrawn fee and makes you sign a paper. However, they are hitting customers with {$34.00} dollars everytime there is not enough funds in the account for electronic transactions. How is it possible to allow you transaccions when there is not enough funds in the account. They are just stealing money legally from customers. <P/>Upset customer, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started monitoring my credit a couple of months ago. I noticed some inconsistencies that I addressed with the bureaus, and after their investigation everything was stated to be reported accurate anyway. I submitted the inaccuracies with visual proof, which was ignored. The notice of dispute was not updated to show that an investigation was done, for 2 different reporting cycles now ( XXXX + XXXX ). As well as the years that they are reporting are completely different. My visual proof for that was also ignored and stated to accurate or verified. I received a letter this morning saying that they are simply not going to investigate it again, when it may have never been done. Not to mention they are still reporting inaccurate information after Ive drawn out the errors to easily see. Please help me.
Product: Payday loan, title loan, personal loan, or advance loan

First of all, I have a credit rating of XXXX ( which means I always pay on time and responsibly ). 

In XX/XX/XXXXXXXX XXXX  I took a loan of {$35000.00} to be payable in seven years from Banco Popular de Puerto Rico ( # XXXX ) to be debited automatically from my account. 
They started doing so, and when Hurricaine Maria hit the island, the bank, without asking me stopped debiting my account in a moratorium of three months. At the moment, I could have been able to continue to pay the loan. 

.They NEVER informed ME directly by any means whatsoever, that they would charge interest during the moratorium and they NEVER issued me a loan account statement in which the payments and interests were reflected. Otherwise, I would have paid immediately avoiding the interests which continue to accrue. 

The last payment from this loan was to be in XX/XX/XXXXXXXX XXXX It is at this moment that the bank notifies me that I have accumulated {$1900.00} in interest from the moratorium which I still have to pay. I submitted Claim # XXXX stating that I had never received any direct notification of their intent to charge interest for the moratorium, and that I considered my loan repaid in full. In additon, I formally requested they stop the automatic direct debit. 
They responded that they informed the clients through the media, letters, social media, branches etc but they have not produced any such direct notification to ME Banco Popular de Puerto Rico FAILED to adequately informed me about their intent to charge interest during their moratorium. I fulfilled the payment of my loan in XX/XX/XXXX. 

However, the bank is charging me interest for the amount they claim is unpaid, are threatening me with affecting my credit score, and in spite of my expressed directive to NOT withdraw direct payment from my account, they have started to do so.
Product: Debt collection

I have already filed a complaint against this company once, the case number is XXXX. I started receiving phone calls again from a gentleman named XXXX XXXX. This time I was able to get an address to their company so I can file a written verification for validation. The agent began yelling at me when I questioned the address he gave me. The address he gave me was XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, but that address actually belongs to a company named XXXX XXXX XXXX XXXX. I did verify with that company their address. XXXX XXXX began threatening me with someone coming to my home and seeing me and also filing a lawsuit against me immediately if I do not pay. He continued to cuss me out and yell telling me i was a fraud, he then told me that he was going to call everyone he could connect to me and let them know I was a fraud and I write bad checks. He then blurted out my social security number to me telling me he was in control of my information. There is no written proof of any debt that I have like that. I filed a complaint with my Attorney Generals office, and they told me Delaware Solutions is not a licensed collection agency, and they were already investigating this company and for myself to not offer up any information to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.
Product: Checking or savings account

Bank of America did not notified when they issued a new debit card after expiration so the fraudster got a chance to steal my card from the mailbox. On XX/XX/2022, I have experienced sim card swap attack where fraudster took over my phone and hacked into my Bank of America checking account and updated my email and phone number. On the same day, fraudster withdrew {$1500.00} from my checking account. When I reported the fraud activity, the money was still in pending state but BOA was unwilling to take action to stop the fraudster from withdrawing my money. BOA was unable provide an explanation of how the money was taken from my account. I also filed a claim for the money stolen and have not yet received a response from BOA. 

BOA also refused to provide me an affidavit statement to prove this incident which is required by the Police in order to file a police report. I went to BOA branch 2 times and spent hours speaking to the Branch bankers but no one was willing to assist and help so I'm unable to file a police report.
Product: Debt collection

Between XXXX and XXXX I was the victim of fraudulent charges on my Home Depot Credit card, each time I was notified about suspicious activity or noticed the fraudulent activity myself I contacted HD Credit card services and notified them. 

I ended up closing my HD account since they were allowing an impersonator fraudster to have access to my credit card by going into a store and by presenting a fakeID and my SSN. HomeDepot never initially explained this modus operandi to me, they only stated they were going to issue a new card and drop the charges, only after the third round of fraudulent charges and when I pressed them on how this was happening over and over they explained the modus operandi to me. After this was made clear, I asked them to close all my accounts and report all purchases as fraud to which HD accepted.

After this, I got a letter from Citi stating the report on the fraud charges was completed and that I'm not liable or responsible in any manner. 

To my surprise months later, I started getting collection calls from CitiBank and later on by XXXX  XXXX. In the beginning, I explained to them the whole situation to which they said they were going to make notes on my case. Still, again and again, they keep calling me to collect the debt of the fraud charges. Now I noticed they reported me to XXXX  and my credit score dropped around 100 points.

I have already spent several hours calling HD and Citibank explaining this situation over and over and they always say they are going to fix it, but they never do. I don't know what else to do. 


I want HD and Citibank to inform all debt collectors ( XXXX XXXX ) working on their behalf to stop calling me and stop reporting me to credit agencies for fraudulent purchases from which I'm not responsible and make the necessary corrections to these false remarks. 


Report XXXX XX/XX/XXXX Updated Account Information THD/CBNA Remark Added to Account THD/CBNA Thank you XXXX
Product: Consumer Loan

Auto finance company repossessed vehicle. Vehicle was not damaged before repossession. Vehicle had significant damage after repossession. Auto finance company submitted a claim on my insurance for damage caused by towing company. I have pictures from a few days before the repossession. Towing company also stole cash from Me. Bank filed false insurance claim and I believe that should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX .... Balance : {$4400.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX # XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX # XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX. I am the manager of a Mountain America Credit Union ( MACU ) Checking Account # XXXX. It is a business Checking. 
XXXX. The business stopped operation in mid of XXXX. I requested closing of the account after business closed. 
XXXX. MACU told me that I can not close the account because it had XXXX owners. I do not know how to contact the other owner since the business closure. 
XXXX. There was a ACH charge of {$99.00} on XX/XX/XXXX on my account. 
XXXX. I called the MACU on XX/XX/XXXX questioning the charges. I was told the ACH can only be disputed within 24 hours. I was provided by MACU a phone number to call the company that charged the account. It is XXXX. 
XXXX. I called the number provided. The other end told me they are not the business I looking for. And they got such calls all the time. The other end told me it is a scam. 
XXXX. Called MACU about the scam. They refused to credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$7300.00} XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBankruptcy XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

omg with all of my docs on file verifying me i was told that i me myself is a third party.. i need these fraud accounts removed from XXXX XXXX XXXX XXXXXXXX account and XXXX  my transunion file number is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have numerous inquiries on my credit report. Equifax stated they would be removed and gave me a confirmation # XXXX but never removed them. The inquiries are identity theft related. I filed my second FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX and was removed from my credit report only to come back as a collection account by XXXX XXXX, I have never received any validation of debt because I have never lived at the address of the alleged account, leave contacted XXXX to inform them of the collection account I was informed that the account is no longer owned or reported by them I should contact XXXXXXXX XXXX  for removal and I have been back and forth for the past 4 years. 

Fraudulent unauthorized credit inquiry by XXXX XXXX XXXX card services.
Product: Vehicle loan or lease

On XXXX, Hello Sir or Mam, I need the help of your office in resolving an issue with XXXX regarding their sales practices. I recently purchased a new XXXX  XXXX XXXX from XXXX XXXX in XXXX, Ohio. To be sure, XXXX XXXX is Ohio 's largest dealer and is apprx XXXX hours from my house each way. 
Upon arrival, I gave their sales person a certified check from XXXX XXXX XXXX XXXX for the amount of {$75000.00} to pay for the car. In due course at closing, I was surprisingly told by the XXXX finance XXXX ( i dont know their name ) that IF, I did not use XXXX XXXX directly the XXXX XXXX  check AND the car would NEED to be held by XXXX XXXX for XXXX weeks, until it clears. I was confused by their ultimatum at closing, but since I did not have any leverage, I proceeded with the transaction. They continued to try At the time of closing to sell me products like GAP. and maintenance warranties, of which I declined do to me having specific funds for the transaction and did not want to come out of pocket for these add-ons. I then drove home XXXX hours to my house after NOT getting the car and giving them the check.

Fast forward to today ; its XXXX  days later and I still dont have my car, even though the car was funded and paid for by XXXX XXXX XXXX XXXX XXXX XXXX. 
Moreover, I am a 100 % XXXX XXXX  and need this car for transportation to the XXXX XXXX  XXXX for myself ( XXXX times per month ) and transportation for my family ; Also, I am accumulating interest on a car I am not in possession of. This seems like a deceptive sales tactic. Please help, I don't know what to do and since XXXX is a XXXX dollar company, their sales man who sold me the carm is not even answering my calls today and last communicated to me telling me that its their policy to wait XXXX weeks.
Product: Debt collection

Caller continues to call my cell phone using NO CALLER ID, then leaves a message telling me to call her back ( XXXX XXXX ) at XXXX XXXX because of a claim that has been filed with her office. This is nothing but a scam as I have no outstanding debts and good credit ratings. This is the second time within 3 months they have tried this threatening me with a previous XXXX debt/lawsuit by end of business today, " but would take a few XXXX as a down payment to delay the filing ''. However, they would need to draft my bank account so I must provide them with my routing number/account number. What a joke!!! Please shut these people down before they hurt many innocent people! How do they sleep at night? 

Also found the following via Internet : Business Contact and Profile for Asset Recovery Associates Name : Asset Recovery Associates Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Website : XXXX Principal : XXXX XXXX Customer Contact : XXXX XXXX - ( XXXX ) XXXX File Open Date : XXXX 2008 Type of Business : Collection Agencies XXXX Accreditation : Asset Recovery Associates is not a XXXX Accredited business. 
Additional DBA Names : ARA Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

This account status is being reported incorrectly, it is drastically affecting my credit score, and needs to be removed immediately.
Product: Debt collection

They have called repeatedly and discussed the debt with other people. Saying they need HR so they can start the garnishment process. Abusive on the phone to anyone they spoke to..