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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; Medical XXXX Balance : {$330.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$0.00} XXXX XXXXXXXX-Balance {$440.00} XXXX XXXXXXXXBalance {$840.00} XXXX XXXX XXXXXXXXBalance {$560.00}
Product: Debt collection

XXXX XXXX XXXX
XXXX XXXX XXXX, MA XXXX

(XXXX) XXXX

this company is not licensed in Florida and needs to remove this from my credit report
Product: Prepaid card

On XXXX XXXX Rushcard did a " system update '' and because of that i have not had access to my funds for almost 3 weeks now. Everytime i call i am on hold for hours or the phone keeps hangimg up. I spoke with a rep on Monday and was told the update glitch would be fixed that day and i would receive a text when my card was all set but i never received it and my card still didnt work. I have no access to my funds and had to decide to pay rent or my sons tuiton for school and because i chose rent my son will no longer be able attend until my balance is caught up. I already have my mother paying my rent no one can help me with my sons tuiton too. my electricity will be shut off tomorrow for non payment and my phone has already been shut off too. They have the wrong card info as being active ( i got a new card before the update ) and when i try to activate the correct card i am told by the auto system i already have a active card. When i did speak to a rep they told me when the sysrem is up and running i can activate my new card, they told me i would be able to later on that day and i still couldnt do it. On top of that i am still missing funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 XXXX XXXX XXXXXXXX couldn't approve my XXXX XXXX XXXX XXXX XXXX XXXX following false reasons from an incorrect report obtained from Experian
Product: Payday loan, title loan, personal loan, or advance loan

uploads has me reported differently to all three credit bureaus I misunderstood the payment structure of these loans as they were not monthly payments rather they were biweekly payments drawn directly from my bank account. if it appeared, you were falling behind, they would offer you a what they called refinance and loan you more money on top of it. although it was not a refinance because they would close the account and open a new account as you can see in my XXXX entrance Union report I never received any monthly statement from up loans, also known as XXXX XXXX So I was never clear what I was paying Respectfully, I am asking the consumer financial protection bureau to look into this for me and if at all possible to remove the records from my credit reporting I am fairly unclear of their true name as they operate under rise, credit up loans and finwise.
Product: Student loan

Student Loan Financial Assistance called about my son 's student loans. He had some personal issues and dropped out of college and wasn't working. This company Pretendending to be a government agency said no problem they can set up a repayment plan. {$110.00} for 4 months the {$77.00} a month for 9 months. After about 7 months I received a letter from a collection agency because Student loan Financial Assistance wasn't paying on my son 's school loans. That's when I realized i was scammed. They even had control of the id and password at https : //myeddebt.ed.gov/borrower/leftMyAccountMenuLoginAction.action. I emailed them and said i no longer want to pay into there payment plan. That was about a month ago. Now again they are E-mailing my Son. They want to help him get on a payment plan. We haven't contacted them and won't be. I did ask them to send my money they got from me back ... nothing.
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information to my report after being informed that my information was exposed in a data breach & that they were furnishing fraudulent information. This is a direct violation of USC 1681. 


Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX BANK : # XXXX, DEPT OF ED/XXXX  : # XXXX, XXXX, XXXX & XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria 's Secret has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Victoria 's Secret before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Victoria 's Secret to furnish any late payments to my consumer report. It is my belief that due to Victoria 's Seceret business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Checking or savings account

Opened a savings account through my online citi account. At that time I had 2 credit cards. A bonus was offered to open a savings account and earn XXXX dollars based upon deposit. I put in XXXX dollars and kept for the 60 days and waited another 90 for bonus to be deposited. When my account was 180 days old, I had yet to receive my bonus. I was told I didnt open the right acct, then no code. The offer given to me was online. I used their offer link. I took screenshots that included the entire offer, so they are available, to prove I received the offer and fulfilled it. Now Citi needs to do their part.
Product: Checking or savings account

US Bank Corporate Office US Bancorp Center XXXX XXXX XXXX XXXX, MN XXXX Bank Acct : Joint Checking -and Savings Dear Management : We moved from XXXX XXXX MO XXXX XXXX XXXX NJ the end of XX/XX/year>. We decided to close our accounts with XXXX Bank in XX/XX/year>. During the XXXX years that we lived in XXXX XXXX MO we have had a successful business bank and customer relationship with never any issues until we decided to close both our accounts due to our move. 

We began the process in XXXX of this year. We were told we needed a notarized letter requesting that our accounts be closed and to forward remaining funds to our new address. On XX/XX/year> we wrote a letter as instructed to XXXX XXXX XXXX at the XXXX, MO branch requesting the closure of our accounts. We never received a reply in return. We called the bank location in XXXX, MO about XXXX weeks later, requesting to speak with XXXX XXXX XXXX. We never got to the chance to speak with XXXX XXXX XXXX. A female employee stated that she would take care of the closing of the accounts. Several weeks went by and my husband and I both called the XXXX, MO number. The woman on the phone this time was rude when I spoke with her and put me on hold for a lengthy time. My husband tried to speak with the same employee and she put him on hold as well, never returned back. 

My husband later contacted the number ( XXXX ) for US Bank and spoke with someone and they didnt understand why the accounts were not closed and balance of the funds forwarded to us. We noticed online when we pulled up our accounts, nothing was showing. The banker said that he took care of it and we should be receiving a check next week in the mail. The past week ( XXXX XXXX ) has come and gone without us receiving our remaining balance of {$300.00} in the US mail. 

We withdrew the majority of our funds out of our checking and savings before we decided to close both accounts but did not expect such rudeness from the XXXX branch bank and a lengthy delay as to receiving our funds. We have tried to remain professional with patience. We are requesting that US Bank please expedite our funds due to us immediately or we will have to take further action on our behalf. 

Thank you cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, US Bank, XXXX, Missouri
Product: Credit reporting or other personal consumer reports

A few days before XX/XX/2022 I notice my fico score significantly dropping from an XXXX I called the XXXX Police Department on XXXX at XXXX with officer XXXX, XXXX ( badge number XXXX ) Case Number XXXX the charges are Fraud and information fraud. I just can't believe the XXXX XXXX, Equifax, XXXX have the audacity to write back investigation results verified and updated.
Product: Debt collection

synchrony bank/lowes ( SYNCB/LOWES ) is illegally reporting late payments consistantey to the credit bureaus till this day on a closed/charge off account which is consistantley lowering my credit score with al three bureaus that I have complained about directly to them. The account was first fraudently closed with out my permission and had an available balance of {$7000.00} that I never got to use that I also received a inquiry on, and never got to use and WITHOUT MY PERMISSION WHICH IS FRUSTRATING IN ITSELF, and it only had a balance of {$850.00} and I'm still getting late payments reported till this day! 
The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES. 15 USC 1681s-2 ( B ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. I am not asking for verification or validation of this account. the only response to this letter is the Deletion of the inaccurate information being furnished. Delete the following account from all three of my consumer reports : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each infraction
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs. XX/XX/XXXX, and XXXX. 2022. Someone tried to take out mortgages in my name. Luckily I put a stop to it. I called them to let them know it was fraudulent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This home security never worked and wasn't properly installed. They wanted to charge me extra for a technician to come fix the problem. I also started to receive false charges on a service that never worked. I've disputed several times with the credit agencies and it continues to report. This debt was sold to several collection agencies over the years. I've received threatening and abusive phone calls, and paid the debt through XXXX XXXX XXXX on XX/XX/year>, as shown by the attached receipt. I contacted XXXX on several occassions asking for the 1099c and never received it. The debt was sold and charged off, but without sending me the required 1099c. It should be removed from my credit report, especially since it's been paid. At this point, I'm looking into joining the class action lawsuit against them.
Product: Prepaid card

I received an American Express XXXX XXXX for {$120.00} and have attempted to use it on numerous websites for purchases far below the {$120.00} balance and it is always declined. I attempted to use it at XXXX, XXXX, XXXX, XXXX and XXXX, in addition to other online retailers, and it was declined every time.
Product: Payday loan

This company called me to threaten me with legal action regarding a payday loan from a company ( some marketing group ) I know nothing about. It was explained to them that I had taken out payday loans several years ago and they have been paid. I was then asked if I had proof of the payment. I stated that this was several years ago and I do n't have any information regarding it and that again the loan had been paid regardless. The representative stated that I was going to be sued and that they were going to deliver paperwork within XXXX hours to my address regarding a judgment hearing and that I needed to make sure that I signed page XXXX of the document. I stated that I would not sign any paperwork and I hung up. This company called me on both my cell phone and home phone numbers stating that there was going to be legal action and that either myself or my attorney needed to call back.
Product: Student loan

XX/XX/2019 Capitalized Interest {$3100.00} They state I owe more in interest. I am financially struggling and can not afford to add more to this loan then is already being asked for. 
I make my payments monthly on time by income driven request but now they tell my it is enough to allocate to the payment and interest. Where are they applying my money. 
I want to stop paying because it is a struggle and totally stressful not to see the balance got down at all. I am XXXX years old and on a fixed income.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified a bankruptcy entry that I believe is inaccurate and unfairly impacting my creditworthiness.
Product: Credit card or prepaid card

I opened a Secured Master card through Citibank per their pre- approval process a couple of years ago with hopes of trying to build good credit. I had the card for some time and tried to get an unsecured card which they denied me for although I had recently gotten increases from other major card carriers. I maintained the secure XXXX as I didn't want to hurt my credit by closing the account. I fell on hard times during the pandemic and was making minimum payments on the secured card, staying on top of my payments.I received a letter in the mail stating Citibank had closed my account because my credit score decreased. I was in shock because it was my understanding that I couldn't get an unsecured cc due to my score. So not only had they closed my account that I sent them money for me to use to build credit, BUT, they charged me more fees AND are now reporting to the credit bureau 's negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL XXXX CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY :
Product: Debt collection

I am disputing a demand letter from CBE Group in the amount of {$260.00}. 
This attempt to collect a debt from the creditor XXXX has never belonged to me. 
This debt of {$260.00} dollars is a result of Identity theft. My personal information was stolen and used against my permission. I will not pay this debt because it originated from identity theft.
Product: Student loan

I have filed a borrower 's defense application against XXXX. Navient oversees my private loans that are apart of this borrower 's defense loan. In addition, within the past year Navient has, without a reasonable amount of notice, increased my monthly payments from XXXX to XXXX dollars a month. I am constantly having to put my loans in forbearance and save up for the XXXX dollar payment, meanwhile they are reaping the benefits of their high interest charges on two separate loans of 9.5 % and 11.5 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per XXXX XXXX XXXX XXXX XXXX if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Child support has violated my federally protected consumer rights. This fraudulent account is causing harm to my personal credit report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Section ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting One hundred percent accurate. It lists the Child Support court as the furnisher and that's forgery and misleading when the courts don't report this type of account. 
This account was removed before but then placed back on the report. 
18 U.S.C 8 I owe no debt, This company is violating my Consumer rights to privacy.