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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

First, I will NEVER use Fifth Third Bank for any service again nor will I allow anyone I know to even consider dealing with these loose and inept customer service phone associates. They gave me several conflicting reports and answers re : the payout and closing of my car loan. In addition they gave out conflicting and erroneous info about the faxing of a letter of satisfaction and a copy of my title. Its obvious that this ineptitude starts at the top and filters down to the rank and file personnel. They continuously left me on hold for 15 minutes to look for a Supervisor. They lied about what they could do and refused to facilitate my reasonable requests five days after the loan was posted as paid out entirely. 
Never Again - what an incompetent group of people handling loans no less - SHAME!
Product: Credit card

Earlier this month, I received the Annual Privacy Notice Statement from Discover. On XX/XX/XXXX, I tried to check my privacy settings online at Discover.com. It was impossible to find my privacy settings. I called Discover to find out the information. The representative told me to check my user agreement. That was not helpful. 

Later that day, I sent a secure email to Discover requesting the information to check my privacy settings. The representative ignored my request. I want to be sure the privacy settings are correct, but the Discover representatives are not providing the information so that I can check to be sure the information I want restricted is restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I applied for an income basedrepayment plan and was approved. I also had learned about the 10 year public service loan forgiveness program, or so I thought. I contacted Navient and spoke with a customer service representative who confirmed that my IBR plan qualified for the loan forgiveness. I continued making regular payments under my IBR plan for approximately 3.5 years before switching employers. Once I had switched employers I attempted to update my IBR payment plan information and again get confirmation on my forgiveness status. I contacted customer service again and was informed that my IBR plan alone did n't qualify me for loan forgiveness and that the 3.5 years of payments were not valid because I had not applied for a consolidation loan. Needless to say I was somewhat devastated when I realized that I had in effect wasted 3.5 years of time. I have since applied and been accepted for a consolidation loan and am under the belief that my current payments are counting towards the goal of XXXX after which I am qualified for loan forgiveness, but I still lost out of over 3 years. I do n't know if this is the type of situation which would qualify for the class action lawsuit but I thought it was worth asking. I thank you in advance for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to PERSONAL FINANCE/MARIN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint are XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

These people call several times a day to my home, my cell and my job. They have been asked to stop calling but keep call despite. They have to left any messages but will tell co-workers that they are a debt collection agency and they too, are being recorded. This has been going on for three weeks. The company name is RAB. They truly harass and will go as far as to speak to others about you in an unpleasant tone.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXXXXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE BROKEN THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at 30 days and you have it starting at 90 days late. There are only 28-31 days in a month so how could I be current on payments one month and 90 days late the next month. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. 

Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$770.00} Date Opened : XXXX, XXXX, XXXX Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report.

* Please show the original contract with my signature that shows I owe this debt.

* I need to see the assignment contract between you and the original creditor.

* Proof that this debt is within the statute of limitations in the state of Pennsylvania.

* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania.

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.
Product: Credit reporting or other personal consumer reports

There was a double charge for XXXX  and two pair where sent when I only ordered one. The company said they were looking for the XXXX  for months while I was waiting for my money back my phone was turned off 4 times with late fees. A lady said she would remove the cost of XXXX and the fees and would call back but never did. In the meantime due to their customer service I changed providers. The bill was place in collections with the late fees and XXXX  attached. The company refunded the XXXX  when I called because they found them but they did not deduct the fees like promised. I was waiting on a true final bill but they missed the ball here and reported false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After working as a XXXX XXXX with XXXX for 2 years I have been suspended as a result of a background check run by Checkr. It reports a criminal background. Four years  ago a malicious employee of the local XXXX, late on a Saturday XXXX  when the management was not present, called the local police and demanded that I be arrested for XXXX. I had been a member for over 20 years and had reported the employee to the top manager on several occasions. When the manager came to work Monday and learned of the incident he immediately personally went to the local office and had the charge dropped. He also terminated the offending employee. Because there were no charges or litigation this ought not to have appeared on my background report. The employee had no authority to act on behalf of the management. XXXX has terminated me and jeopardized my financial position based on a spurious " criminal '' background. I am enclosing the information that I have sent to XXXX, so far without success :
Product: Credit card

I just recently looked at my XXXX credit report on XX/XX/year>. I noticed had fraudulent accounts on my report and would like to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XXXX XXXX XXXX added a collection on my Credit Report for {$120.00}. This collection does not belong to me. Upon further investigation. I went online to check the supposedly original creditor and saw the reviews of multiple people claiming this company damaged their credit in the same way and they had never been to this XXXX. and had no idea of this collection. This company is running a scam. I contacted all XXXX credit bureaus and XXXX was going to reach out to them. I wanted no contact with these scammers.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are the companies reporting information to my credit file that are a result of identity theft. I have gone a step further into creating a police report with the following reference number ref : XXXX I have previously reported this to the federal trade commission and also to the cfpb and these credit bureaus continue to not provide me with what I have specifically requested which is a contract with my signature on it for each and every fraudulent reporting item on my credit file. 

several years back i placed my wallet down in a department store and it was stolen! the items inside where my social security card and my licenses containing my addresses and a couple XXXX dollars. Today i took it a step further and reported a police report stating this exactly and additionally that my information continues to be used for credit. 

I am requesting a set of contracts with my signature on them to verify that these negative reporting items are indeed mines. I do not need these negative items to say verified, or updated. i need to be sent a written contractual agreement with my signature on them or a swift removal of said accounts. 

In the past I have not had the resources to take the credit bureaus to court but today is different and I have documented everything I've done to try and get these negative items removed for my legal safe keeping, I am ready to take this matter to legal proceedings. This is a request to have this matter taken a little more seriously and provide me with what I have requested. 

Note i have never had a fade hand dealt at credit in my life because of this The items reporting on my report that should not be reporting and any and all correlating hard inquiries related to said fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$360.00} XXXX XXXX date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$300.00} XXXX XXXX XXXX date opened : XX/XX/XXXX balance : {$680.00} Transunion : XXXX XXXX XXXX XXXX XXXXXXXX balance {$360.00} date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance : {$2000.00} XXXX date opened : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX balance : {$360.00} date opened date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX balance : {$2000.00} XXXX date opened : XX/XX/XXXX
Product: Credit card or prepaid card

Decreased my credit from {$2500.00} to {$100.00}. Ive never been late. Used the card responsibly. Card balance was paid in full. This has also dropped my credit score tremendously. I am current with all my credit card payments and debts. Ive recently been using my other cards to help others who are in need during this pandemic and I dont want to be punished for this. 

Ive never requested a deferment, or had a problem paying my bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/2017 Equifax had a breach that exposed my personal information
Product: Credit reporting

I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX XXXX who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX attorneys could n't offer any proof. 

If you take a look at my supporting documents XXXX my letter to the credit agency and XXXX letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired XXXX '' information from XXXX off my credit report. 

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

On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for XXXX, Equifax, and XXXX. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since XXXX and XXXX received the letters on XX/XX/2020 and Equifax on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.
Product: Checking or savings account

If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). 

As part of a {$3.00} billion settlement, Wells Fargo has agreed to pay more than {$2.00} billion directly to customers harmed by illegal activity, ranging from incorrect overdraft fees to wrongful foreclosures, according to the CFPB. 

For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent. 

I had my bank account with Wells Fargo for over 20 years and I had my account frozen several times for possible " fraudulent '' activities within this time frame. Also, I had plenty of overdraft fees within this time frame too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00}
Product: Bank account or service

I check my account every morning and noticed overdraft fees on my account. I called US bank to help with the issue and had little to no help in answering my question or helping with my issue. I have XXXX accounts and transferred money when I noticed XXXX overdrawn by XXXX. Although I did this I still got charged. I haved banked with this bank for years and yet I could not get them to help me in any way. I had no issue with the fee associated with the XXXX but not the others.
Product: Credit card or prepaid card

Account was cancelled without warning or explanation. I want my membership fee that I paid pro-rated and refunded as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose