23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I reported the charges as fraud and closed the card and got a new card. the credit company has not issed credits for the fraud. i called they ssaid it is under investigation and not issueing credits not time frame is given//bank is oportun XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX, I rented a car from XXXX for the total of {$380.00}. After renting the car, I received a duplicate charge from XXXX for a total of XXXX. An erroneous charge of {$530.00} was removed via my credit card company after XXXX could not resolve the matter. 

On a bill dated XX/XX/XXXX, XXXX stated that I owed {$530.00}. It said to either call the telephone number XXXX or email XXXX. I elected to call and email. I did not receive a response. 

I emailed on XX/XX/XXXX, with no response. 
I emailed on XX/XX/XXXX, with no response. 
I called on XX/XX/XXXX, with no response. 
I emailed on XX/XX/XXXX, with no response. 
I called on XX/XX/XXXX, was told I do not owe anything, but was hung up on when I was going to be put through to the supervisor. 

On XX/XX/XXXX, I was issued with a notice from XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX and XXXX XXXX a debt collection for the matter.
Product: Credit reporting or other personal consumer reports

LVNV Funding, I spoke with someone transferred twice, The call was then dropped wrote a couple e-mails. 

I explained that I havent opened any kind of account in more than 7 years as well I told them the dates were wrong, I just started going over credit reports and you have put different dates on them. 

No reply originally date was XX/XX/XXXX the same debt now showing an open date of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a proper investigation. I was told accounts was verified. They failed to provide me with a copy of any viable evidence anything bearing my signature.
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/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 XXXXXXXX. XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth oXXXX XXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXXXXXX XXXXXXXX, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I DONT RECOGNIZE THESE INQUIRIES 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 obtained a copy of my Experian, XXXX and XXXX consumer reports in XX/XX/XXXX and XX/XX/XXXX. I have identified information on my consumer report that are a result of identity theft. There was no permissible purpose for the identified transactions to be reported on my consumer report. I have requested that the recording of this information be blocked and deleted immediately. My request to block and delete is not being made in error, nor is my request to block and delete being made on the basis of a material misrepresentation of fact by me relevant to the request to block and delete the identified transactions. Although I sent a ten page Affidavit of Fact which highlights specific accounts and account numbers as provided by, along with copies of government identification and Social Security Card, all which were sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX and USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX through Notary Presentment, on XX/XX/XXXX and XX/XX/XXXX respectively. The response to my CFPB complaint is that I did not specify the accounts in question and for me to send my government identification, social security card and a utility bill. In my telephone conversation with the respective representative on XX/XX/XXXX, I informed the representatives these items are not related to any transactions completed by me. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report.The identified transactions are not information related to any transaction by me as the consumer. The information in question are as follows : -Names ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; -Addresses ( XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ; -Year of Birth ( XXXX ) ; -Phone numbers ( XXXX, XXXX, XXXX XXXX XXXX -Spouse or Co-Applicant ( D ) ; -Employers ( XXXX IXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; -Accounts ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$65.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX 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: Debt collection

I, consumer and natural person, have never went into a consumer transaction with Nelnet. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy. 

Also, 15 USC 1692e refers to false or misleading representations. Nelnet has used false representation of a. the character, amount, or legal status of any debt, and b. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Also, the debt being in the positive balance is false representation of the amount of the debt. If it is a debt ad it its owed, it should be shown in the negative.
Product: Money transfer, virtual currency, or money service

XX/XX/2023, ( Ref ID - XXXX ), PayPal decided to cease offering me their financial services. I would like to escalate this matter to executive escalations as the support team is unable to resolve my concerns with my account 's status. 

XXXX XXXX
Product: Student loan

My wife requested my loan to be paid off on Thursday, XX/XX/XXXX at XXXX. She spoke with XXXX at Navient and requested that the payment be made from our SAVINGS. The total amount for loan XXXX was {$1700.00}. Nothing was showing as pending on Monday so I called and they informed us it could take up to 4 business days and that it was coming from our CHECKING. I moved money from our savings to our checking so that it would be covered. On the morning of the 5th business day the loan showed PAID IN FULL on navient.com, however I was n't seeing anything in either SAVINGS or CHECKING in my bank. Nothing was posted or pending. I spoke with XXXX at Navient on XX/XX/XXXX who informed me that it was pulled from my CHECKING ( just like the previous representative had ). I escalated the call to a supervisor XXXX - and filed a BBB complaint against Navient for being unable to explain why it took so long or why I was getting mixed information where the money was being pulled from. We conference called my bank XXXX who told me that no money had been pulled, but that they had miscoded the request and it was denied on XX/XX/XXXX. Nobody had contacted me. I escalated this to XXXX who told me that since there was n't currently a balance I would have to wait to repay. This would lead to accrued daily interest and a greater payoff. I 've had problems with Navient misallocating payments in the past and recorded BBB complaints each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a discharge on X/XX/2009 for total XXXX and never heard anything from XXXX only from XXXX ..XXXX has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,
Product: Credit reporting or other personal consumer reports

Please remove Non Mailable Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Pursuant to 15 USC 6801- Protection of Nonpublic Personal Information.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : Remove Hard Inquiries, Pursuant to 15 USC 1681- Permissible Purpose. 
Update Accounts as PAID AS AGREED : XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several requests to Equifax in the past 10 months asking them to correct the remarks in a closed credit card from creditor XXXX XXXX XXXX. Equifax continues to show the remarks in the account as charged off and refuses to indicate that the account was paid in full. I asked them to contact the creditor and they do nothing. I want the remarks changed and since the account was closed many years ago to be removed from my credit report. The creditor can be contacted at XXXX / XXXX
Product: Debt collection

I was served Civil Lawsuit paperwork from a lawyer representing Velocity Investments , LLC. The lawsuit is for a little over {$7000.00}. I've never heard from anyone at Velocity Investments prior to the lawsuit complaint.

After requesting the documentation regarding the account from the lawyer it appears to be a loan taken out and then later sold to Velocity Investments after default.

I was not aware this loan existed, and have yet to be contacted by Velocity Investments at all regarding this account. The only contact I have had was through the lawyer in the dorm of responses to court documentation requests.
Product: Debt collection

XXXX XXXX XXXX XXXX is charging us for damage to a rental we were in for two years. XXXX XXXX XXXX.We cleaned property very good. They kept our full deposit of over three thousand dollars. Over a year later they sent us a letter from a collections agency charging us ( my husband ) of two thousand seventy one dollars for alleged damage and repairs. We went to the property in person and the property was vacant. We looked in the windows and saw no new repairs. They claimed they put new windows, new carpet, plants. It was the same as when we moved out I disputed this collection to the agent : XXXX XXXX. I asked them to send me a full list in detail of all repairs including legitimate receipts from vendors who did repairs, send me a debt validation, send a written contract with the creditor. None of these were sent to me. They did not acknowledge my dispute in any way. I don't of what they did was illegal. They automatically put this on my credit without any response to my dispute. Or tried to work me in any way.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT THOSE ACCOUNTS LISTED BELOW AREN'T MINE. ( XXXX XXXXXXXX FOR {$220.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXX  FOR {$140.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1000.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$590.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$760.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  FOR {$1100.00} OPENED XXXX XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

Equifax is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX XXXX XXXX  ending in XXXX which is a XXXX  XXXX  that has been paid in full before they updated report, they post to my credit report. Equifax does not contact the creditor they use a data base that is wrong and 30 days behind
Product: Debt collection

I wrote Credit Collection services asking for validation documents showing I owed the said debt and amount. They provided me no documentation that I am legally entitled to under the FCRA. XXXX  Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
i DEMAND THAT THIS COLLECTION BE CLOSED OR VALIDATION DOCUMENTATION BE SENT TO ME SHOWING I OWE THIS DEBT. You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Accounts : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.