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

A non authorized charge was done for the amount of {$99.00} I disputed with XXXX and it was deemed fraudulent and removed, however it ended up being an occurring charge in which XXXX once again agreed it was fraudulent and closed out my account. We opened a new one and the re-occurring charge was then transferred to my new account from the closed account. Once I again I disputed it with XXXX and they agreed and remove the charges and closed out the new account. On this new account ending in XXXX charges are still being made I have called several times, spoken to fraud department, managers and they all say they will clear it and I am still getting charged lates fees etc. I want this matter resolved and cleared from my creadit.
Product: Credit reporting or other personal consumer reports

I was absolutely stunned this morning when I saw inaccurate accounts on my credit report. I have no idea how they got there. I check my credit report regularly, but this time there were discrepancies that appeared out of nowhere. I even refreshed my browser thinking it might just be a glitch, but no, the inaccurate accounts were still there. Because of this, Im urgently requesting that the documents Ive submitted be thoroughly reviewed so I dont have to keep stressing over this.
Product: Mortgage

Hello. My name is XXXX. I have been trying to get a hold of Flagstar Bank since XX/XX/XXXX. They wanted Uniform Borrower Assistance forms. They received this through a fax XX/XX/XXXX. They said they received them.I have been trying to get a hold of this bank since then. I found out at that time that XXXX XXXX was the point person to get in contact with. She called three times and I called ten times trying to contact her. 

I mailed current lease agreement, 90 days bank statement with rental deposit, XX/XX/XXXX XX/XX/XXXX tax pages all, XXXX signature and date ( their form ) and hardship letter. I paid {$26.00} for next day delivery. They said they never received it. XXXX XXXX XXXX signed for it. OK they never received it. OK. Then I faxed it twice. They never received it. Why did my XXXX XXXX get the pages they asked for the day before and mind you XXXX XXXX had to give me part of my XXXX XXXX. XXXX XXXX got their faxed paper work the same day. XXXX XXXX  has nothing to do with XXXX. The only point I want to make is that I faxed at the same place, the same number and they, XXXX XXXX received all the pages they needed. Yet Flagstar did n't. Sounds fishy. 

I spoke to five people at Flagstar. All of them claimed the same thing. I needed all those documents just mentioned previously. All I want is my mortgage payment to be reduced. My mortgage is {$1200.00} and my renters pay between {$940.00} and {$960.00} a month. All I want is to break even. That 's not happening. I have been unemployed since XX/XX/XXXX. I have been looking for jobs. I 'll keep looking.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

the accounts that appear on my credit report do not belong to me, they were not authorized, please check.

1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft RECMGMT SRVC Account Number : XXXX  This is not mine.

3. Identity Theft DPT ED/XXXX  Account Number : XXXX  This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Product: Credit reporting or other personal consumer reports

I got a text from an unknown number, ( XXXX ) XXXX, with XXXX '' and a verification code. I do not use credit karma and certainly did not request a verification code. ( Indicating someone else may be trying to gain access to my credit. ( If is is even credit karma who sent it. )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that your company has reported to the credit bureaus regarding unfurnished loans attributed to me, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, VA XXXX. I can be contacted at XXXX or via email at XXXX. 

On multiple occasions, both in writing and orally, XXXX has stated that it does not report unfurnished loans to credit bureaus. Despite this policy, XXXX has reported such loans on my credit report in violation of this stated policy. I contacted XXXX to remind your team of this error, yet my credit report was updated with even more negative information, seemingly as an act of retaliation and punishment. This behavior is highly concerning and a direct violation of consumer rights. 

I have also attempted to resolve this matter by writing to XXXX XXXX XXXX, outlining the issue. According to my email tracking, my message was read but, instead of correcting the reports, XXXX allowed the inaccuracies to persist and even increased the negative entries. 

Legal Violations By reporting unfurnished loans, XXXX has violated the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : XXXX is required by law to furnish accurate information to credit reporting agencies. The reporting of unfurnished loans is false and a clear violation of this statute. 

Consumer Financial Protection Bureau ( CFPB ) Regulations : Under the CFPBs oversight, lenders are prohibited from engaging in retaliatory actions against consumers. Reporting false information after my attempt to resolve the issue can be construed as malicious intent.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Any attempts to coerce or punish consumers through false credit reporting are also violations under this law, particularly as they relate to unjust practices or misrepresentation of debts.

Demand for Immediate Action I demand that XXXX immediately take the following steps : Remove any and all inaccurate, unfurnished loan reports from my credit history with Experian, and any other credit bureaus to which XXXX may have reported.

Provide me with written confirmation that these changes have been made within 30 days.

Failure to comply with this request will result in the filing of formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and possible legal action for violating my consumer rights under the FCRA, FDCPA, and other applicable laws.

I look forward to your prompt resolution of this matter.
Product: Debt collection

I keep receiving calls from LVNV stating I owe a debt to them. I do not owe a debt to them, I have never done business with them. They are also in violation of the statutory limitations on collecting a debt that is passed the 4 - 7 years limits.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request I, XXXX XXXX, with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.
Product: Student loan

My sister was encouraged to take an exorbitant amount of funds out for tuition and room and board, at XXXX University in XXXX, XXXX She graduated with her degree and {$250000.00} in debt for XXXX. She has been employed since graduation making {$30000.00} or less every year. My mother ( her cosigner ) is now burdened by paying over {$2000.00} a month for these loans. She is a nurse and is nearing retirement and is probably not going to be able to afford to retire because of these payments. There is no way my sister can afford $ XXXX/ month when she is only making $ XXXX/month before taxes. After paying taxes and medical insurance, she is taking home less than the minimum payment amount of these loans. There is no option for income based repayment because they are Private loans, not federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Vehicle loan or lease

XXXX XXXX minute recorded conversation was had by someone in XXXX XXXX XXXX Ally Auto XXXX XXXX 
XXXXPayment arrangements were discussed by a gentleman I spoke to. 
XXXX. XXXX payments ; XXXX {$290.00} on XX/XX/XXXX. the other of {$470.00} on XXXX XXXX. 
XXXX. Car was taken ANYWAY the next morning at XXXXXXXX XXXX XXXX XXXX I applied for XXXX XXXX and waiting on the Governments results. I feel I was misled.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found an account reporting inaccurate information. This account is reporting on my credit report as XXXX XXXX XXXX Bankruptcy : Please remove this account due to inaccuracy because you are reporting that this account was included in a bankruptcy discharge but there is no bankruptcy reporting on my credit report. 
Please remove this account due to inaccuracy because you are reporting a high balance AND a bankruptcy discharge. As you know both can not be true. If an account is discharged, you can not also report a high balance! 
Identity Theft : Please remove this account due to inaccuracy because I have disputed this item more than 3 times as identity theft and you have never once added that in the comments section of this item. 
Incorrect Account Name : Please remove this account due to inaccuracy because you are reporting an incorrect account name. You are reporting this account as XXXX  XXXX XXXX, Experian is reporting it as XXXX XXXX XXXX. 
Incorrect Account Number : Please remove this account due to inaccuracy because you are not reporting the correct account number associated with my social security number. XXXX XXXX alleges the account opened in my name has an account number of XXXX, you are reporting an account number of XXXX
Product: Checking or savings account

Simple bank transferred my account to BBVA but the bank has locked me out entirely. I can not access funds, my account, or anything related to my money. This has been going on for 48 hours starting XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

There was an issue on my credit report with a fraudulent and unauthorized inquiry that had been on my credit report. The issue began on XXXX XXXX with an unauthorized inquiry for a vehicle loan with XXXX XXXX XXXX. Despite my efforts to resolve the situation directly with the company, as well as the reporting credit bureaus ( XXXX ), including steps taken such as phone calls and informing them of the identity theft report I submitted with the FTC, and letters mailed, I have not been able to reach a satisfactory resolution. 
I am requesting that the Consumer Financial Protection Bureau intervene and assist me in resolving this matter. Specifically, I would like this fraudulent unauthorized inquiry removed from my credit reports immediately. 
Thank you for your time and attention to this matter. I look forward to your assistance in helping to resolve this issue promptly. 
Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have a Venmo account. Someone stole my photo and created a username one off from mine and started Venmo requesting my friends saying that I would pay them back. Venmo support says they cant take down the account and theres nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a 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 an 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

I am writing to you to report that I may have been the victim of identity theft. There are certain account activities/ charges on my account which I did not make. Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on Experian through XXXX and www.Experian.Com. I am requesting the following items be removed on my reports from your companies as Experian has done already. 

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. 

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. 
The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile. 
Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency. 
Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account. 

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. 
Sincerely,
Product: Debt collection

This company XXXX, XXXX XXXX XXXX, is not only reporting invalidated information on my credit report but they are not bonded for collections in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I found out that Equifax had a data breach and Equifax had a settlement. I checked both my spouses XXXX XXXX XXXX XXXX and my credit and found that our credit account/social security numbers were compromised. Per the lawsuit, Equifax was to give {$120.00} to each person affected or give them credit monitoring. In our case, our accounts have been frozen prior to this breach and if anything occurred on our credit accounts would be the fault of Equifax only and would be liable for any damages. I submitted a claim for my spouse and I last month on Equifax website. Equifax sent us an email ; your claim # XXXX for XXXX XXXX and claim # XXXX for XXXX XXXX for {$120.00} in connection with the Equifax data breach. You must verify you have credit monitoring or amend claim by XX/XX/2019 or your claim will be denied. No one that was affected by this breach should be required to have credit monitoring due to this issue! This is unfair and may violate our laws since Equifax affected thousands of consumers which should be held accountable more than just {$120.00} for their inconvenience, aggravation, having consumers information being compromised just to name a few. Furthermore ; if there is another federal or state agency that will also handle this complaint, we request that this complaint is forwarded to them so Equifax is held accountable for their actions. This is NOT about free money but rather damages to consumers credit file information that was breached!
Product: Vehicle loan or lease

ILLEGAL REPO CAUSED DISTURBANCE STILL TRYING TO COLLECT ON CHARGE OFF ACCOUNT THAT WAS RESOLD AND THEY ALSO FILED INSURANCE CLAIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th XXXX to tell you that I am a XXXX XXXX XXXX XXXX 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  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Credit reporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims action against Transunion Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.