23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Called deparyment of education they refuse to discuss or discharge loans to XXXX to refund remainder they said would from vlass action suit agaonst college that was settled XX/XX/XXXX i paid off loans XXXX XXXX XXXX college witheld information that impacted hundreds of students school contacted me in XX/XX/XXXX to inform of refund XXXX sent me partial refund and a letter that they were processing remainder of loans but still have no srnt Dept of Education wnt discuss just keep saying they are processing
Product: Credit reporting or other personal consumer reports

Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX Name : XXXX Account Balance : {$340.00} Date XXXX XXXX Name : XXXX XXXX XXXX  Account Balance : {$920.00} Date XXXX XXXX Name : XXXX XXXX Account Balance : {$300.00} Date XXXX XXXX Name : XXXX  Account Balance : XXXX Date XXXX XXXX Name : XXXX XXXX Account Balance : {$120.00} Date XXXX ADDITIONAL INCORRECT ADDRESSES LISTED : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX INCORRECT XXXX LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ADDITIONAL INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INACCURATE LATE PAYMENT LISTED : XXXX Name : XXXX XXXX XXXXXXXX Past Due XXXX : {$10.00} Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all 3 credit companies and they stated they can not remove the inquires. I did not authorize any of the listing below to run my credit. I have tried to submit to remove the online and by calling, no one is able to help me. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX   XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

There was an unauthorized charge on my credit card for {$540.00} with XXXX and I was told to wait 90 days for the credit to be placed back on my card.
Product: Credit reporting or other personal consumer reports

Bank of America continues to report late payments to a credit card on an account that was opened in XXXX. My records show no late payments and they show 1 late payment over the course of at least 3 years. I closed all accounts and paid all of them off on or around XXXX. 

It is now XXXX and these jerks continue to file this late payment and won't let it go some 28 years later. It keeps me from getting a perfect XXXX and my credit rating has never gotten over XXXX. 

This account is paid off and closed for over 20 years now ... when will it end? I contacted them and they simply refused, said their records were correct and I asked them to prove it and they said they didn't have to ... and this has been on my account for over 20 years. XXXX refuses to remove it without Bank of America. And despite all of my requests, they continue to renew it every year for no apparent reason.
Product: Debt collection

Top finance has caused much confusion and I personally feel have violated my rights. An old auto loan which they have failed to provide, a certified letter to me within 5 days that I could by back after repossession, a notice within 10 days that the vehicle was sold, and also the letter of how much the car was sold for and fees acquired were never sent to me within 30 days of the repossession. Since then the account was charged off and sent to collections but it was never fully sent to anyone so no one had this debt. I was advised by top finance to Contact XXXX XXXX XXXX  XXXX, and ACC, which has now aquired Top Financed. When I did I was advised I had no account. Now, I am being advised again by Top finance management and ACCXXXX XXXX XXXX  XXXX that I owe a debt that no one could verify and they did not have my account. This all has caused unnecessary stress and negatively affects my credit file. I have filed a complaint with the BBB requesting the proof that TOP financed notified me of the repossession and sale of the vehicle within my signature of the intent to buy back notice acknowledging I was aware of this sale. I have not received a response. XXXX XXXX the director of compliance also provided a letter with ACC which is Top Finance according to their website and phone calls that I owe no debt to their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information pertaining to a complaint I submitted to XXXXXXXX XXXX on XX/XX/2022. This original complaint also involved Equifax, XXXX, and XXXX because there was inaccurate and unfair reporting on my consumer report. Equifax responded to a complaint I sent them on XX/XX/2022. They responded on XX/XX/2022. In their response they stated that they initiated an investigation with the furnishers. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), XXXX XXXX  needs to conduct a reasonable reinvestigation. Also, pursuant to 15 U.S.C 1681s-2 ( B ) ( i ) and 15 U.S.C 1681s-2 ( B ) ( ii ), XXXX XXXX  has to stop furnishing inaccurate information.
Product: Mortgage

I submitted my loss mitigation package via email on XX/XX/22 and on XX/XX/22 I received a letter dated XX/XX/22 stating that my application was incomplete and that I had to fill out a printed copy of the application and mail it in. I already spoke to an agent about the costs of gas and printing and how I could not afford to mail a hard copy and the agent reassured me that I could fill out the pdf version of the loss mitigation packet and email it. Now the lender is not honoring the packet. 

I called my lender on XX/XX/22 to verify the status of my loss mitigation application and the agent could not verify the status ( if they received it or not ), but kept asking me if I wanted to pay over the phone with him. I kept telling him I did not have the funds to make a payment and to please stop asking me, but the agent kept asking me if I wanted to make a payment. The agent even asked me if I was refusing to make a payment, which made me ask for his manager. The agent never got his manager and refused to assist me. 

I believe this lender is purposely pushing people into loss mitigation by lying about the process of paying back the deferred amount. The lender made it seem like all I had to do was call back and be placed on a forbearance plan, but now that the entire balance is due, nobody in their company knows how to help me. 

I have already submitted my application and called to verify they received it and have gotten no assistance, so I am reaching out to you..
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.XXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.SANTANDER CONSUMER USA {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {$360.00} DATE OPENED ON XXXX 6XXXX XXXX XXXX   {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXXXXXX  {$240.00} DATE OPENED ON XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - [ ] XXXX MORTGAGE XXXX XX/XX/XXXX - [ ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were opened in my name without my consent. These are fraudulent accounts that were not open by me.
Product: Credit reporting or other personal consumer reports

Un-Authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/year>, I noticed two separate credit accounts on my credit report that appeared to be inaccurately reported and possibly unlawfully furnished. XXXX XXXX XXXX Account Reason for Dispute : Public records showed that XXXX XXXX XXXX, XXXX had an Ended franchise tax status and Inactive Secretary of State status in Texas, indicating it was not authorized to conduct business in the state. This implied the company should not be reporting credit information for a Texas resident. 
Account Details ( as reported ) : A charged-off balance of {$5100.00} with a past-due amount listed since XX/XX/year>. 
Actions Taken : On or around XX/XX/year>, I sent a formal dispute letter to XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX  ( Experian ). I requested immediate cessation of reporting and deletion of the inaccurate tradeline. I included evidence from Texas public records verifying XXXX XXXX XXXX unauthorized status. 
XXXX XXXX Retail Account Reason for Dispute : Multiple discrepancies were found, including : An inaccurate payment history ( showing {$0.00} received despite a last payment date in XX/XX/year> ). 
Conflicting charged-off status with a closing date that did not align with the listed high balance months. 
Incorrect terms ( e.g., {$0.00} per month for 75 months ), which did not match the actual loan agreement. 
Actions Taken : I previously contacted XXXX XXXX XXXX to correct these errors but saw no resolution. I then formally disputed this account with both XXXX XXXX XXXX and the credit reporting agencies ( Experian and XXXX ). I requested a complete deletion of the inaccurate information under the Fair Credit Reporting Act ( FCRA ). Continued Reporting and Impact : Despite my disputes, both tradelines remained on my credit report with the original incorrect or misleading information. This has resulted in ongoing harm to my creditworthiness and potential denial or less favorable terms for future credit.
Product: Money transfer, virtual currency, or money service

I attempted to add my XXXX XXXX XXXX XXXX account to Venmo on Saturday XX/XX/XXXX, and I received an error. I reached out to Venmo support who refused to help me add the account manually. I then tried to use XXXX to add my XXXX XXXX account to the app on XX/XX/XXXX, and this was also denied as " something went wrong. '' I currently have {$220.00} sitting in Venmo that I am unable to cash out. Venmo is holding my funds hostage and I need to cash the money out to a personal checking account ASAP.
Product: Debt collection

citicards cbna XXXX # XXXX Collection/ Chargeoff XXXX Opened {$200.00} Credit Limit {$210.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any combination in the file of a consumer 30 days after the debt of receipt. 

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights Pursuant to 15 USC 1681 section 602 A states I have the right to privacy Pursuant to 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish account information. 

I am requesting the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of threats above. 
You are required to do what I am asking and block above reported to my consumer report WITHIN 4 DAYS from the date above.
Product: Credit reporting or other personal consumer reports

When I logged on to XXXX. Its not letting me look at my credit report at all. Like they blocked me from looking at it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been XXXX weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with Transunion showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
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. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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

In accordance with the fair credit reporting act my rights have been violated by XXXX XXXX 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also Statesa consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not properly investigate XXXX account. It show as me be late. I was never late. 

Transunion did not properly investigate my XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my Us Dept of Education account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is close and show on my report duplicate. 

Transunion did not properly investigate my XXXX Account. I never had a XXXX account. 

Transunion did not properly investigate my XXXX account. I never had a XXXX account. 

Transunion did not properly investigate my Chapter XXXX. I never had a Chapter XXXX.
Product: Credit reporting or other personal consumer reports

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX  ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Social Security Number : [ XXXX ] Date of Birth : [ XX/XX/XXXX  Current Address : XXXX XXXX XXXX XXXX XXXX Georgia [ XXXX ] I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within 30 days of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus to remove the following items that were unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX AV XXXX NEW YORK, XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

Synchrony Bank continues to harass me for debt I did not approve. A previous roommate stole my personal information before moving to a XXXX, Tx. He opened accounts with synchrony using my Personal information. I submitted all theft reports and documents to synchrony but they are still reporting to the credit bureau and have tried withdraw money from my bank accounts without my permission. Synchrony sent a letter holding me responsible for the fraudulent accounts because the merchandise was delivered to my house. That does not mean I am responsible for that debt. I mentioned it plenty of times. The thief is a former roommate, he lived here.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$75.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$360.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}