23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing this because had money that was taken from me by my Father. He Ended up taking {$14000.00} to be exact he told me he took it awhile after the case had Closed XX/XX/XXXX. No he Didnt have a reason to use the money on me No He did not have a medical reason to use the money on me. The money was court ordered to be deposited into an interest account with an Officer of M & T Bank so by time I turned 18 I was suppose to Receive that Amount.

I Turned 18 ( XX/XX/XXXX ) I Called M & T Bank that same day Gave them the 9 digit Routing number on the bottom of the check I Also gave them the 10 Digit account number. They searched them and said that there was never no account in my Name they proceeded to ask me for my social I Gave it to them they told me again there was no name in the System under the Name of XXXX XXXX in there system. 

I ended up calling M & T in XXXX NY. XXXX XXXX XXXX XXXX to be exact to see what was going on because the check was suppose to be Deposited with an officer of the bank at that specific branch I Ended up speaking to the manager at that bank they were able to locate the account number and routing number under the name of XXXX XXXX  . Then proceeded to tell me that the account wasnt mines and couldnt give me no more information and that the account of closed out in XXXX of XXXX then proceeded to hang up the phone. 

Im writing this because Ive been dealing with this for months since ( XX/XX/XXXX ) up until this present day Ive done everything I can Ive talking to my lawyer that represented me on this case he didnt know what to do I talked to other lawyers. Theyve never heard this before and could only assist legal advice Ive been calling all over to any and everyone I could reach out to help me Ive walked into M & T Personally many times they dont know what else to do besides send it up to the M & T legal department . Ive even went down to the court that settled this case they told me it was taken in error and to hold the bank accountable then they suggested me to contact you guys and Im really writing this because I want the money that was Wrongfully taken from me when I was younger Im only XXXX doing all this and Im really losing my mind trying to get my money back I would really appreciate the help
Product: Consumer Loan

SUNBELT CREDITXXXX XXXX XXXX, XXXXThis company provide me with the service of a personal loan I 'm purchased a couple of Insurances just in case to cover the loan is like life unemployment and etcetera I informed the financial situation about it me beign unemployed they will they said they will mail me the unemployment claim package they never did so they never submit that information to the insurance company for them to pay off the balance due to unemployment and since I pay for that insurance on the loan and I inform them but they never did anything about it I try to validate the account with them but the information that they send me does not meet the Federal Credit Reporting Act criteria
Product: Credit reporting 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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for Experian. Please update payment status or remove off credit report
Product: Student loan

Navient services my loan and has since 2007. They put me in a forebearance program for over two years, all while charging an exhorbitant interest rate. As I look at the recent settlement with Navient to forgive loans, it is very clear that my loan should be qualified for forgiveness. Navient will not give me an answer as to why my loan is excluded.
Product: Credit reporting or other personal consumer reports

I have disputed with all three credit agencies multiple times to have my account XXXXXXXX XXXX XXXXXXXX updated to reflect a {$0.00} dollar amount and the account should be closed as XXXX without any negative comments. 
XXXX - XXXX disputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/year> {$160000.00}. I called XXXX on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

Equifax - The same process occurred Equifax. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called Equifax on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were Forgiven. The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : student loan payments deferred. 

XXXX - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/year>. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to XXXX or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX XXXXXXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being XXXX sent me the attached letter and has updated my account that student loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/year>.
Product: Debt collection

i had account with XXXX  and salesepaerson came to me presenting XXXX  but they werent XXXX   they were XXXX XXXX XXXX then i paid XXXX i never recieve the phones but 4 month later XXXX  billed me with XXXX i called XXXX  and there were 2 number created under my name with new number i tried to call XXXX XXXX XXXX and explain they want to charge me XXXX termination fee then they send me to collections i been thro this since 2014 i have the XXXX  receipt with different name on signature now i dispute this case with XXXX XXXX  and i feel that they abusing my credit report and i have the paper work i cnotact XXXX  and XXXX waived the bill and marked the account as fraud
Product: Credit card

Received 4 calls yesterday back-to-back both from a XXXX, and XXXX as well as XXXX all calls identifying as a CITI and reported that my card was used incorrectly and to reset my passwords to all of my accounts. I called CITI today and they have no record of this call. I am reporting this as this was very unusual.
Product: Checking or savings account

My bank told me On XX/XX/2017 a withdrawal of {$360.00} was made, then on XX/XX/2017 a check of {$700.00} was deposited in a different city also in the same city another withdrawal was made of {$340.00}. I filed a claim stating my debit card was lost and that none of those transactions were made by me. A credit was issued to my account but couple weeks later the credit was reversed. I called the my bank to ask what happen and i was told that it wasnt posible that someone else other than me made those transactions. I just hope that CFPB finds the proper resolution before i have to take legal actions.
Product: Credit card

On XXXX/XXXX/2016 I applied for a citibank double card. On XXXX/XXXX/2016 I received the card. before i got the card.my credit score was XXXX equifax.On XXXX/XXXX/2016 my equifax score dropped to XXXX XXXX/XXXX/2016 i paided the balance off. one week later my credit score dropped again to XXXX. On XXXX/XXXX/2016 I paided the balance off. Again it dropped to XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I canceled the card I was worried It would keep dropping.All I wanted to do was to get my credit score to XXXX so I could get the best deal on a mortage now I have to pay points
Product: Credit reporting or other personal consumer reports

NONE OF THE CREDIT INQUIRIES ON MY REPORT ARE AUTHORIZED WITH THE EXCEPTION OF XXXX FREE CREDIT MONITORING AND XXXX CREDIT BUILDER. I HAVE AN EX PARTNER WHO HAD ACCESS TO ALL OF MY SENSITIVE PERSONAL INFORMATION AND DOCUMENTS AND IS USING THIS INFORMATION TO POSE AS ME AND TRY TO DEGRADE MY CREDIT ANY WAY THEY CAN AS A PATTERN OF ABUSE THAT WENT ON WITH THE RELATIONSHIP AND IT HAS NOT ENDED WITH ME DISTANCING MYSELF FROM THIS PERSON. THEY ARE DOING IT TO KEEP ME FROM BECOMING INDEPENDENT AND HAVING GOOD CREDIT AND THIS IS NOT THEE ONLY THING THEY ARE DOING TO TRY TO KEEP MY LIFE UNDER THEIR CONTROL.
Product: Credit card or prepaid card

I received an offer to Pay your cable and cell phone bill the easy way and earn a one-time offer of XXXX Rewards XXXX1 when you set up automatic payments or pay one bill at a time with your Fidelity Rewards Visa Signature Card by XX/XX/2022. Contact your providers today to get started. 

On XX/XX/2022 I made a {$25.00} payment to my cell phone carrier XXXX ( XXXX XXXX XXXX ) I received a letter today stating that it did not qualify. XXXX is a cell phone service provider
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan Chase added inquiry for credit card on XXXX XX/XX/2022 for credit card. I did not apply for any credit with them. Called ( XXXX ) XXXX and reported incidence to XXXX at credit card services said it would take XXXX to 60 days to remove. 
They need to remove this immediately. I dont know how this happen because I have a freeze on my credit reports.
Product: Debt collection

I spoke to a representive for centron Services about a levy put on my savings account. This person claimed he needed to call the processing center to see if the amount had been charged before he could talk about settling. The person from centron Services called me back stating the money had not been taken out of my checking account via the levy so I could pay them out of my checking account to settle for a lower amount. This was on XXXX/XXXX/XXXX. The representative stated that if I gave him the checking account information to process the settlement they would release the writ levy on my savings account. They charged the settlement amount to my checking account and continued to process the savings account levy which totals more than the debt that is owed and was misleading. I called to try and fix the situation and was told I would be refunded the amount that was not owed. The letter attached shows the amount that original levy was to be removed from my savings account, The photo of my checking account shows record of the amount that was processed for my checking account which totals more than the debt ever owed. I told the representative this was illegal to charge more than owed and she told me it was not illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX 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

n 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 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. 

1. XXXX XXXX  account XXXX balance {$1400.00} 2. XXXX XXXX XXXX account XXXX balance {$16000.00} 3. XXXX, XXXX account XXXX balance {$460.00} 4. XXXX XXXX account XXXX balance {$480.00} 5. XXXX XXXX account XXXX balance {$1300.00} 6. XXXX XXXX account XXXX balance {$17000.00} 7. XXXX XXXX XXXX XXXX XXXX, IL XXXX 8. XXXX XXXX XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, IL XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEX SYSTEM AND XXXX XXXX  WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please ensure that all information is accurate
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account XXXX  ( not accurately reported ) XXXX XXXX- account XXXX XXXX XXXX  XXXX XXXX ( not accurately reported ) XXXX XXXX XXXX XXXX XXXX XXXX ( not accurately reported ) XXXX XXXX account XXXX  ( not accurately reported ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not accurately reported ) XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  ( not accurately reported ) XXXX XXXX XXXX ( not accurately reported ) XXXX XXXX XXXX XXXX ( not accurately reported ) 15 U.S.C . 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 602 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hi, I have not used my Capital One Venture Card since XX/XX/2020, and have closed the account in XX/XX/2020. It had a positive balance of a little over {$2000.00} ( meaning, Capital One owes me that money ). On XX/XX/2020 Capital One informed me that they plan to return this amount to me within two months. Four months have passed, and I have not heard back from them. Tried to reach customer service multiple times to no avail. 

Thanks for following up on this!
Product: Credit reporting or other personal consumer reports

These items arent my items at all and showing on my rental history and recently just appeared within the last 2 weeks all of a sudden.

These items are my fathers transactions and seemed to be put on my file as a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information with none and provide me with copies of any documents associated with this account bearing my signature in absence of any documents bearing my signature i formally requst it be removed 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

On XX/XX/XXXX, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX. '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. On XX/XX/XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use Equifax 's online portal and phone numbers to request my credit report. On the best occasions, the online portal eventually tells me that it is " unable to deliver [ my ] credit file '' and that I should call XXXX to request my credit file. When I call, I am either disconnected at some point, or told that I already received my credit report. 

I am the victim of identity theft and need this report to ascertain the full extent of the damage, but can not obtain it from Equifax
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the law 1681 15 USC.

Pursuant to 1681 15 USC section 602 A states I have the right to privacy.

Pursuant to 1681 15 USC section 604 A section 2 : it also states a consume reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement and terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. I look forward to your response.

My information was involved in the Data Breach and are unfairly being reported to my credit report.

Resolutions : Please have these accounts deleted unless you want to be held accountable for {$1000.00} per account ; 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 I am including a copy of my drivers license with my updated ID and my Social security Card To have these items deleted from my report.
Product: Student loan

My son has stopped paying this loan and now since I am the cosigner of the loan I have to pay for the loan, what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent Experian and XXXX, XXXX  XXXX more than enough supporting documents to block these fraudulent accounts that do not belong to me. i have sent them FTC reports and police reports regarding my identity theft and they have not removed these accounts. i do not know open these accounts but everything is attached to my complaint in my supporting documents.
Product: Debt collection

Bridge crest is false reporting in my sur name sharing my personal information with companies in violation of federal and state laws
Product: Debt collection

Complete Credit Solutions has been trying to collect a debt from XXXX XXXX ( original creditor ). They are also reporting this collection on my XXXX report. I've asked them to remove this debt numerous times and they have refused. 

XXXX XXXX just lost a class action lawsuit for illegal loans. This was finalized recently and one of the conditions is removal of this account/loan from all credit reporting agencies. I would like this removed immediately. I am attaching the class action settlement document to this complaint. If you want the full 92 page court document, let me know. As this reported debt is now invalid/obsolete, I also want confirmation from Complete Credit Solutions that they will not try to resell this invalid collection debt to  another company. 

Thank you