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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

This company does not loan to XXXX people, people on social security and va XXXX don't qualify, this is discrimination.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and Experian ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, Experian, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Product: Credit reporting or other personal consumer reports

When i try to apply for business loan, i was told by my agent that i have so much inquiry on my account. I then pull out my credit report and I Noticed some Unauthorized Inquiries on my report that don't have my permissions or not aware of of. 
Here is the list of the company : XXXX XXXX XXXX XXXX XXXX XXXX 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 already file this complain with FTC and the report is attached in here.
Product: Bank account or service

I opened up a free checking account at Wells Fargo bank a few months ago. When I checked my account today, without telling me, they had charged my account due to inactivity causing my account to go into the negative.
Product: Checking or savings account

I have been locked out of my USAA account for XXXX weeks. In late XXXX, I submitted an application to open a new checking account with USAA, which I have been a member with for 10 years. I received a notification on XX/XX/XXXX that my account profile had been locked and I needed to undergo an identity review to unlock my account. 

I submitted the proof of identification on XX/XX/XXXX. I called and they stated that I needed to wait XXXX business days before the issue would be resolved. My account was still locked XXXX business days later. I called back on XX/XX/XXXX, when they said they would escalate my ticket and it would be resolved within XXXX business days. I called back again on Monday, XX/XX/XXXX, and they said it would be resolved by the end of the day. I called back again today, XX/XX/XXXX, and after speaking with XXXX representatives was notified that my proof of identification was not accepted and I needed to submit it again. I was also told that they do not know why my proof of identification was not accepted. I spoke with XXXX representatives at USAA, and was told that my review timeline has started over to verify my identification. I do not know if my new pictures will be accepted because I do not know what was wrong with the original submission and I do not know when my account will be unlocked. I asked to expedite my account unlock since I have already been waiting for XXXX weeks and was told this is not possible. Additionally, I should have been notified when my identification was originally not accepted. Finally, my account should never have been flagged for fraud and identity verification. I have been a member there for XXXX  years. If USAA had physical locations, this would have been resolved in a day. This is not an issue at other banking locations. Essentially, access to management of my bank account, transferring my money, and other functions has been restricted with no resolution plan. This is where I have all my direct deposit set up and budgeting, money management, home insurance, etc. If there is an emergency, I will have no access toy funds. My home mortgages are being drawn from these accounts and I have to actively manage them to ensure payments are being properly made. I have spent over XXXX hours on the phone attempting to resolve this, all which is unacceptable. Im currently late to work because I am trying to resolve this issue during USAAs working hours. All of this information is on file and documented with USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a hard time getting in contact with anyone from Grain Technology in reference to there reporting to the credit bureaus. They are reporting negative but I am paying everything as agreed. Can you please make the necessary correction so that my credit report will be as accurate as possible?
Product: Vehicle loan or lease

I have disputed this fraudulent account several times. This has destroyed my credit as a single parent in a rising economy. XXXX XXXX XXXX XXXX XXXX XXXX financer as XXXX XXXX involved up to date customers like myself into a scandoulos scam selling contracts to debt collectors while current, WITHOUT NOTICE, without options just nothing!!!! 

WESTLAKE FINANCIAL CAN NOT PROPERLY SEND VALID DEBT VALIDATION SHOWING ME THAT I HAVE SIGNED A CONTRACT WITH THEM, NOR A SIGNED CONTRACT STATING THAT I AGREE TO PAY WESTLAKE FOR ANY VEHICLE.

I FOUGHT 3 ROUNDS OF DISPUTES TO FINALLY HAVE AMERICAN FINANCIAL DELETED FROM MY PROFILE AFTER FILING COMPLAINTS WITH AL ATTORNEY GENERAL. IT WAS REMOVED FROM MY CREDIT ON XX/XX/23 WESTLAKE IS FRAUDULENTLY REPORTING ON MY CREDIT PROFILE AND PROVIDING ME DOCUMENTS FROM A CLOSED BUSINESS WHOM WAS DISPUTED AND DELETED OFF OF MY CREDIT REPORT XX/XX/23 DUE TO THEIR SCANDALOUS ACTIVITIES AND REPORTING. WESTLAKE PORTFOLIO IS A FRAUDULENT ACCOUNT AND NEEDS TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT! 

FURTHERMORE, MY LOCAL DMV IS REQUESTING FOR THE REPOSSESSION NOTICE THAT WAS NEVER SENT TO ME BECAUSE WESTLAKE CAN NOT PROPERLY SEND REQUESTED DOCUMENTS TO VALIDATE DEBT NOR HOLDS INTEGRITY FOR HARD WORKING CUSTOMERS.

THE VEHICLE WESTLAKE FINANCIAL REPOSSESSED ON XX/XX/23 NEVER CAME WITH A REPO LETTER I NEED THAT SENT TO ME IMMEDIATELY TO PROVIDE TO THE DMV FOR TAG REIMBURSEMENT COSTS of over {$300.00}. 

THIS FRAUDULENT ACCOUNT NEEDS TO BE DELETED FROM MY PROFILE IMMEDIATELY, A PROPER CEASE AND DESIST AND A PROPER INVESTIGATION FOR A CONTRACT UNDER WESTLAKE WITH MY SIGNATURE!

I AM CLEARLY FRUSTRATED AS I HAVE BEEN DEALING WITH THIS NIGHTMARE ALL YEAR LONG WITH MY CREDIT BEING DESTROYED DUE TO SCANDALOUS ACTIVITIES OF AMERICAN CAR CENTER!!!!!!!!!!!! 

PROOF HAS ALREADY BEEN SENT IN MY LAST COMPLAINT
Product: Money transfer, virtual currency, or money service

PayPal stole fees from me the seller and ruled for the buyer under the guise of 'Buyer and Seller protections ', yet when offered a reason how this protected me they stated on a call to me that 'I protected myself ', and I must ask what exactly I am paying for seller protection for if I had to protect myself and why this fee is legal???
Product: Credit reporting 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 a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan

I 've made payments to ACE and I 'm being contacted by multiple collections agenices stating a warrant is going out for me if I do n't resolve this matter immediately. i paid one of the callers becasue he called my main desk and told security a warrant is going out for me if they were n't connect to me immediately. then a week later I got called by another collection agency telling me the other was a fraud and I should request a chargeback. I have paid this company three times and keep getting threatensing calls. What do I do?
Product: Credit reporting or other personal consumer reports

I acknowledge the effort made to delete some fraudulent entries from my file, yet there remain unresolved items derived from alleged fraudulent activities that urgently need attention. This marks my third formal complaint asserting my victim status regarding fraudulent activities, and I am disputing specific entries within my file stemming from this crime. The disputed items have no connection to any transactions involving goods, services, or funds made or authorized by me. I request the removal of these entries from my credit report, as they are inaccurately attributed to fraudulent activity : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are unfamiliar to me, and their deletion by other bureaus raises questions about their accuracy. The reported history of these items remains unclear to me. As per the Fair Credit Reporting Act ( FCRA ) 605B ( c ) ( 1 ) ( C ), there is authority to decline or rescind such entries.
Product: Credit card or prepaid card

Paid my statement in full {$250.00} by the due date of XX/XX/XXXX. This was scheduled online bill pay with my bank. They mailed it in enough time. XXXX posted the payment a day late and charged me interest and late fee. 

I emailed my bank thinking it was their fault and to have them resolve it with XXXX. 

However, when I emailed XXXX I came across the email they sent me that they DID receive the payment by XX/XX/XXXX. They didn't post it until XX/XX/XXXX however and charged me interest and fees. 

While trying to resolve this, another statement went out charging another late fee and interest. 

I sent the email attached proving I should have NEVER been assessed late fees or interest since I did pay by the due date but they only agreed to waive one of the late fees since I didn't pay the late fee that shouldn't have been assessed by the due date.
Product: Credit reporting or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, GA XXXX The CORRECT Phone Number is : XXXX
Product: Mortgage

I disagree with Citibanks decision on XX/XX/XXXX, to deny my home equity line of credit application number XXXX. 
I believe Citibank didnt correctly follow the CFPBs regulations, defining what gross income means. 
Researching the Electronic Code of Federal Regulations, and questions and answers listed on the consumer financial protection bureau, gross income is defined as monthly income including taxes and other deductions. 
It is common knowledge that, payroll taxes include : - Social security taxes - XXXX taxes - Local income taxes ( XXXX  in my case ) - Federal income tax Per the documents I already provided Citibank with, my current income is made up of XXXX pension and social security income. Both are exempt from social security, XXXX and of XXXX income taxes. In addition, IRS will consider only 70 % of my security income as subject to federal income taxes. 

In my efforts to convert my net income to gross, I used percentages determined from actual pay stubs I received back in XXXX and XXXX. I did not use the money I earned back then in my current loan application, but rather the percentages representing the taxes deducted from gross income to arrive at net income. I then asked Citibank to increase my net income by the calculated percentages to arrive at the equivalent gross income. From the enclosed XXXX worksheet, the actual percentages of social security, XXXX and XXXX income taxes as related to net income received, totaled 17 % of the net income. In other words, since I dont have to pay any of such taxes, my net income should be increased by 17 % to be at par with other applicants gross income, since Citibank is equal opportunity lender. Not doing so will be in my opinion, discriminatory for people who receive pension and or social security income. That is without even claiming an additional percentage pertaining to the 70 % IRS exemption of my social security income ( I would have had to pay 100 % of the IRS rate had I earned that income through wages ). 
To demonstrate the point, Im enclosing a pay stub I received back in XX/XX/XXXX. The b-weekly stub shows net income of {$1700.00}. Back in XX/XX/XXXX, Citibank approved my mortgage application, based among other things, on acceptable debts to gross income ratio. I now make {$1900.00} and I only pay {$100.00} federal income tax, leaving me with a bi-weekly net income of {$1800.00}, which is more than what I made in XX/XX/XXXX. In other words, if someone with less than my take home pay, with same good credit score and high home equity, applies for a similar loan, that someone would have been  approved by Citibank, but not me or most of those who receive pension and or social security. I do believe such would be a discrimination against a large group of people, and not as claimed by Citibank : Equal opportunity lending. 
To add : Citibank refused to provide me with an explanation of the net to gross income ratio they used ( 11 % ), nor have they made even an effort to explain their definition of gross vs net income!
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion not helping fix my ID Theft and inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts, addresses and inquiries listed on my credit report that are not mine.
Product: Debt collection

I have continually received calls from a XXXX that ask for various names of people ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) about missed payments. Not only am I NOT any of these people, but I have no outstanding card debit. 

Upon googling the number I came to find that the harrassers are Discover card in XXXX, OH. I have notified them several times that it 's the wrong number due to 1. I am not who they ask for and 2. I closed my Discover account 5 months ago due to their ineptitude. I also came across a web board where dozens of people have had the EXACT same thing of being continuously called by Discover & asked for the same people ( XXXX XXXX, XXXX, etc ), even though they have stated on numerous times that it 's the wrong number. They always want to argue with me about who I am. Growing frustrated, I called them back and asked for a supervisor. After debating with one of their XXXX, I was finally put in contact with a supervisor named XXXX XXXX, who felt it appropriate to tell me " we can call whoever we want until we are satisfied '' and when I told her I had been called over XXXX times, she said " Oh well. '' I filed a complaint with the FTC after every call and yet, they have done nothing. 

Growing tired of their XXXX times a day calls and the FTC refusing to do their jobs, I contacted the XXXX, who sent the information forward. I received an e-mail from a XXXX XXXX who is listed as the Executive Office of Customer Advocacy of Discover shortly there after and a plea to call her so we could " figure this out. '' Upon calling her, I talked to yet another XXXX who could n't comprehend English very well. Stating first that " she had left for the day '' I notified him that I was in the process of contacting a lawyer due to the continuous harassment at which point he stated " Uhhhh, give me a minute, she might be around. '' After several minutes of being on hold, he stated " she 's in a meeting, she 'll call you back. '' I 'm still waiting for that call. 

All in all I have been called XXXX times, XXXX of them in the last XXXX weeks. I 've talked to a XXXX at Discover who I literally had a 5 minute conversation with about not being XXXX XXXX and he wanted to argue that I was. He called back the very next day and had the same arguement. I 've talked to a XXXX that has asked for XXXX different people when she 's called me in the span of 3 days and when I told her I was neither, her response was " are you sure? " The continued harassment by this company goes beyond unreasonable and somebody really needs to hold them accountable for their actions. Either through fines or just a good old fashion XXXX, I do n't care, but it is ridiculious. 

Dates and Times of the last XXXX calls : 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

ENHANCED RECOVERY COMPAN XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Balance {$600.00} Highest Balance {$600.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX I have no clue about this account. I contacted them about it. Nothing has been done about it. I was told the account was opened in XXXX and we are in XXXX. Why would it take 5years later for them to report this account. Its fraud
Product: Money transfer, virtual currency, or money service

After a review, PayPal permanently limit your account due to potential risk. I was unable to contact anyone as to the potential risks.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts which do not belong to me or were opened without my permission. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; CXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$180.00}. According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Latest Issue : defaulted on loan. To avoid Navient 's taking money from pay check signed up for 9 month payments {$50.00} on time. After only 6 months, I got forced into a consolidated income sensitive loan. I 'm unemployed. They want {$69.00} a month. I have not paid for 2 months so they want me to go into forbearance. I tried to make payment with Unemployment debit card. The ONLY form of payment they will take online is customers checking account. 
Not only did they breach a contract of 9 months but they bullied me into a consolidated loan I will never be able to repay in this lifetime. Further, they make it virtually impossible to make a payment online. I have never been asked by any billing for my checking account and not accept Debit card. The amount I owe is {$300000.00} from a loan that was {$50000.00} XXXX XXXX. The loan amount is too complicated to send via email.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXXXXXX 15USC 1681 I have the right to privacy 15USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction