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

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX TransUnion To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

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

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent Accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXXXXXX XXXX  XXXX ), Fraudulent inquiries XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/XXXX XXXX  ), XXXX  XXXX date of inquiry ( XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX  and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX in the balance of {$0.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
Product: Checking or savings account

Charging fee for account that was reported as identity fraud and theft
Product: Checking or savings account

On XXXX, went to bank of America to close joint account, because of fraud, id theft. I asked to be added as power of attorney, to speak on my mother behalf, instead, the service rep removed me from the account which is mine, because, I opened it, and my mother placed me on the account, in 2014. Id theft was for {$680.00} at XXXX. This behavior is illegal, they can not remove me off the account without my consent. I filed a civil rights complaint, # XXXX.
Product: Credit card or prepaid card

on XX/XX/2020 i purchased a pair of sunglasses in XXXX, GA on our way to XXXX XXXX for vacation. On the second day of our vacation now XX/XX/2020 we were enjoying the beach and swimming in the ocean and my sunglasses were stolen off of our chair. Within the American Express Purchase Protection benefits stolen items are covered. After filing a claim with them ( the first time i have ever filed any such claim ) it was denied as " mysterious disappearance '' and as such not covered. This feels EXTREMELY ambiguous and ripe for abuse. They stated i was unable to provide proof that my item was stolen although all i was asked for a receipt of the purchase which i provided. Upon doing this leg work at no point was i given any inclination that i needed to become a private investigator for the insurance company to provide proof of this theft. Based upon my history or lack there of when it comes to filing such claims i feel the offer of " Purchase Protection '' is a deceptive practice and one that misleads a general consumer. If the insurance company does not want to cover stolen items then it should not be promoting this as a benefit and drastically modify their disclosures to be understood by the general public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very concerned with Experian and their investigation into my dispute regarding a late payment for XX/XX/2018 Ive attached the pay grid for XXXX and XXXX which clearly show I wasnt late that month. Although this occurred in 2018. I still want the payment toreflect properly. Please remove late payments
Product: Money transfers

I wanted to rent a house for my vacation for new years. The person who put his apartment 's advertisement for rent in XXXX asked me to transfer rental amount by western union. At the beginning I had doubt about it. But I saw that XXXX approved that person ( as it mentioned by government issued photo ID ) and also people left good feedback about that host, i trusted that person by these facts and sent money to him.
Product: Vehicle loan or lease

On XX/XX/year>, I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX XXXX Virginia. 

The finance office placed me in a loan with Ally Bank. It took them nearly a month to provide any basic information about the loan like an account number or payment date. 

When I was finally able to get into the account online, They stated on my account that they provided the contract to me on XX/XX/year> which is inaccurate. As of that date, they had provided me with nothing. 

The link to the document online goes nowhere. This video clip showing me trying to access it demonstrates that. 


XXXX XXXX XXXXXXXX? XXXX I have contacted Ally Auto numerous times about this both via phone and live chat and they flatly refuse to take any action on this. If I send them the wrong car payment amount, they would be all over me but I am asking them to correct information posted on my online account. 

I received a voice mail from Ally on XX/XX/year> from the number XXXX asking me to call XXXX, dial option XXXX, then dial option XXXX and ask for XXXX. These numbers got me nowhere other than back to their " customer service '' who had no idea why I was calling. 

They have actively avoided making this correction to my online account for more than two months.
Product: Credit reporting

I had a XXXX XXXX Account opened in XX/XX/XXXX and the last time used my account before I close it was XX/XX/XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. How I check out my credit reports XX/XX/XXXX and XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company several times in the last year and a half providing information to them showing them the account was not mine. I've sent a police report, FTC report, my identification and a plethora of other documentation just to be told that information was not good enough. This has gone on for far too long. I have not received an original contract proving the debt belonged to me -- just a statement. Also, according to my credit report, each reporting agency has a different opening date. But if this information was accurate why are they all reporting the same thing? Reporting an error and even fixing an error is a violation with a fine of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no knowledge of these accounts. I did not sign any contracts with any of these companies Listed below. 

XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Attached are the FTC reports XXXX
Product: Credit card

Hi I have a Capital One credit card and my due date is the XXXX  of every month I get on to pay my credit card and see that they applied a late fee on the XXXX of this month when I called them they said that their policy is that the cutoff time is XXXX Eastern standard Time on the XXXX of every month now for everybody else in the world the day ends at XXXX XXXX so they have been charging me a late fee every month for months and when I said most companies have a little bit of a grace period by a day or so they said your grace period is from between the XXXX  at XXXX Eastern Time to the XXXX  XXXX Eastern Time the next month now that is not proper practice and something needs to be done about this thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, XXXX, & Experian ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/2023, at approximately XXXXXXXX XXXX I recieved a cashier 's check in the amount of XXXX From the bank teller at the JP Morgan Chase Bank, located on XXXX XXXX XXXX XXXXXXXX wi. I have presented the cashiers check to several chase bank branch managers including the branch that issued the cashiers check to me and they have informed me that they will not cash it unless it is deposited. Depositing the Check is not an option for me at the moment.
Product: Debt collection

I called the number that was on my credit report on XX/XX/year> which was a Credit Collection Service i explained to them that the debt of {$2600.00} did not belong to me that the name on the account did not belong to me and if they could send me some proof the that debt belong to me. They told me to send them a copy of my identification and a copy of my credit report they would try to resolve the matter.
Product: Student loan

I have on several attempts to reach my student loan holder XXXX XXXX XXXX, and have been unsuccessful finding a phone number that works. My load servicing provider AES refuses to connect me with the loan holding bank and is unable to provide loan details and/or discuss resolution. 

I feel that I have a right to speak with my creditor and discuss my loan, review contract details, and work directly with the bank that owns my debt. I have paid {$21000.00} on a {$22000.00} loan with a balance of {$20000.00} this is unethical.
Product: Checking or savings account

I had a CD with Pure Point Financial for a little over XXXX In XXXX Pure Point issued a check to me for the full amount as they were bought out by US BANK. The cashier 's check that they issued me bounced. I have repeatedly been talking to them and I am getting an extreme run around. I was told US Bank issued a check and was told I should get it within 5-10 business days. Today is the XXXX day. When I called I was told well, sometimes the mail takes longer. And I was told there is nothing much they can do. I spoke with a supervisor and he said my only other option was to have the check canceled and to fill out paperwork for US Bank to get refund but he anticipated that would take several months.
Product: Checking or savings account

On XX/XX/2021, BBVA shut down Simple, a banking service they owned. They did this at midnight on a weekend with no ability to set up your new BBVA account ahead of time and on the XXXX, their system completely failed converting Simple accounts to BBVA accounts, spitting out error after error locking out customers from their money. 

They offered no communication or explanation beyond a few tweets and do not seem to be working to help their customers. Their XXXX mentions are littered with customers having this issue, all locked out of their accounts with no access to managing their money. 

It is now midday XX/XX/2021, and I am completely locked out of my account. Theres no online support for this issue and the customer service phone line is consistently hanging up on people once someone answers. I have no access to my money, I have no way to close my account, I have no way to move money, and I have absolutely no support from BBVA or any idea how to resolve the issue. Their posted solution ( call the phone number ) does not connect me to a human being. Theres no one I can talk to for help resolving their issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and must continue to review and correct my credit file due to fraudulent accounts reporting within my file. The fraudulent accounts are XXXX XXXX accounts and a XXXX account. I also have several inquiries that were not authorized by me and are fraudulent. The fraudulent inquiries are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/22 and XX/XX/22 )
Product: Student loan

I understand that I had promised to pay NELNET {$10000.00}. I was paying on this for XXXX years and XXXX months faithfully. I was attending XXXX XXXX through Corinthian Colleges who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : ( https : XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the XXXX, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than XXXX  years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within XXXX days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only XXXX who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within XXXX days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. 
Without Recourse, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and letters dated XX/XX/2022. Since it is a necessity by regulation 605b of the FCRA I'm sending again this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be disputed/deleted in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance -, XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Payday loan

This loan has a XXXX APR I 'm pay XXXX every two weeks for one year on a XXXX loan I tried paying them off early only to get the run around as if the phone had a bad connection and I tried going online to pay them off and they said I could because I still had two more days before my due date and that I could n't use another debit card to pay off the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, WI XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning... I have written XXXX  and XXXX multiple times letting them know that i believed that there is a bankruptcy on my credit report reporting inaccurately..they investigate and nothing changes it is still reporting inaccurate information... i wrote the court directly and they stated that the information being reported on my credit report is incorrect, ,i have attached a copy of the letter and a copy of my credit report as proof
Product: Credit reporting or other personal consumer reports

After reviewing my credit report from Experian, I discovered inaccurate information in my credit file, which deeply concerns me as it violates the Fair Credit Reporting Act. The incorrect information includes my name, address, and employer. The name listed on my report as " XXXX XXXX XXXX '' should be corrected to my full legal name : " XXXX XXXX XXXX XXXX XXXX. '' The address listed as " XXXX XXXX XXXX, XXXX, NJ XXXX '' should be updated to reflect my full and correct address : " XXXX XXXX XXXX FL XXXXXXXX XXXX NJ XXXX. '' There are also other addresses that are not mine, including " XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX, XXXX, NJ XXXX. '' Please remove these XXXX addresses. Additionally, my current employer, " XXXX XXXX XXXX, '' is not properly reflected on the report. The report lists me as " SELF EMPLOYED '' and " XXXX XXXX, '' which are incorrect. These mistakes are not only frustrating, but they also raise concerns about identity theft. These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C 1681e ( b ) ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy. The Gramm-Leach-Bliley Act ( GLBA ) also requires that personal data be protected and kept confidential. Failure to comply can result in penalties of up to {$1000.00} per violation under 15 U.S. Code 1681n. I request that Experian promptly correct these errors and ensure that my credit report reflects accurate information.
Product: Payday loan, title loan, or personal loan

I have a loan with service finance company. The loan interest rate is for around 9 % but my payments are going mostly to interest at over 50 %. On some cases less than a dollar is going to the principal on a payment. I have called them several times about this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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 Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX  Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX XXXX  XXXX  : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX