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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account which do not belong to me or was opened without my permission. 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX I went to an ATM and tried to withdraw funds from my checking account. My account was debited {$400.00}, but the cash was not dispensed from the ATM. I contacted USAA the same day to initiate a ATM dispute. They advised me that it takes five to eight business days before the claim is picked up by a technician. It is the holidays and I asked if it could be escalated, which I was advised that they would put a note on the dispute. We are now on the ninth business day and no one is able to provide me any type of update in regards to my dispute.
Product: Credit card or prepaid card

On XX/XX/2019 I paid for a service that I never received. It was for an event, and two separate charges were made. {$4900.00} and {$9900.00}. The seller reached out to me and told me they were unable to provide the service and will refund me. When that did not happen, I disputed the charge through my Discover credit card. During their investigation, they reached out to XXXX, who was the merchant account for the seller, and requested information. XXXX send them a receipt that verified the charge was authorized. As I explained to Discover that I have never denied the charge was authorised, my complaint was that I never received the service I paid for. They requested additional information from me, but I could not reach the seller. I explained everything over the phone and they continued the investigation. Based only on the receipt they received from XXXX, they closed the case against me, in favor of the seller. I contacted them right away, within one or two days and asked them, what kind of documents do they need to reopen the dispute. I was told, they needed a written confirmation from the seller, that they have not been able to provide the service and that they have the intention to refund my Discover account. 
After I provided exactly what they asked for, I was told the billing department can not issue money, based on an internal review, and the case can not be reopened. 
My take from this is that, during the initial investigation, they did not do their due diligence and relied only on a receipt which only proves I authorised the charge. Only after the initial dispute with their arbitration was closed, they told me what documents they need from me as a proof and once I gave it to them, They told me there is nothing they could do anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I have disputed and requested investigation through Equifax credit reporting Co about complaints of re-aging a negative and erroneous collection report from XXXX XXXX XXXX ( collection agency ). Equifax and XXXX XXXX XXXX  has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor XXXX acct ending in XXXX is showing a balance of {$510.00}, which XXXX had reported first delinquency date before XX/XX/XXXX. However, ( XXXX XXXX   XXXX  ) continues re-aging an erroneous first delinquency date that should have been deleted from my Equifax credit report this year on XX/XX/XXXX. XXXX XXXX XXXX ( the collection agency ) has re-aged this account again and is showing that the original creditors ( XXXX ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against XXXX XXXX XXXX and Equifax credit reporting Co for illegal re-aging practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX made an unauthorized fraudulent hard inquiry to my Transunion report. Transunion has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed over the copy of the background check that my employer pulled. They used the vendor Sterling Talent Solutions and they stated my aliases were XXXX XXXX and XXXX XXXX. I do not know these people and i have NEVER used those names. My name is XXXX XXXX XXXX XXXX. I just want to make sure this XXXX XXXX is not using my information nor identity. Please help. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was notified that one account is not open for years. It relates to a XXXX/XXXX credit card. I have have contacted the vendor - and that vendor can not find my name or address or anything related to me. I have contacted Experian twice and this does not seem to be resolved.
Product: Payday loan, title loan, or personal loan

I received a loan from One Main Financial 's XXXX, MD office back in XX/XX/XXXX. I made one payment, then in XX/XX/XXXX, I was offered an additional amount to be added to my loan, so I accepted. At the time, I was unaware that my initial loan would be " satisfied '', and a new loan would be opened under a new account, but I was not focused on that because I was thinking of the holidays and my daughter 's XXXX Birthday approaching, and what I'd be able to provide for myself and my children. I was told that furthermore, my first payment after the additional amount was added wouldn't be due until XX/XX/XXXX, so I had plenty of time to enjoy the holidays. 

Tragically, I was terminated by my employer on XX/XX/XXXX, so my life took a drastic turn for the worse. There's an insurance program attached to the loan, and I've been getting conflicting information from different employees at the One Main  XXXX office, as well as the One Main   customer service center in Texas. There are 2 different insurance companies that One Main uses, depending on what type of loan you have ( that was described to me by the customer service rep. ) One is XXXX, the other is XXXX. 

According to customer service, my account is being handled by XXXX, but when the XXXX, MD office manager mailed me the forms to complete and submit, they were for the XXXX company. I told customer service, and the rep. said she would send me the correct forms to submit, and that I had to wait until it had been one month since my termination from my employer, which I had not heard from anyone at the XXXX, MD office. The XXXX, MD office manager did suspend my account, after speaking with me about my situation, but that suspension ended on the XX/XX/XXXX, less than a month after my termination, and I started getting calls from a Mrs. XXXX at the XXXX, MD office. While speaking to her this morning on the phone, she told me that I should borrow some money to make a payment, or she fears " the lawyers '' will take over my account and the XXXX office will lose control of it. She also told me to contact the State Department, since I've been unsuccessful in reaching anyone from the unemployment office in order to submit my claim. I'm somewhat confused, disoriented, and unorganized, due to everything that's been happening all of a sudden.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Pro Collect added a bogus collection record to my history which reduced my XXXX from over XXXX to XXXX.
Product: Debt collection

Upon recent review of reports furnished by XXXX, XXXX XXXX XXXX, I noticed an unfamiliar third party I have no business association with, in possession of my private, non-public financial information without my consent. 
On XX/XX/ a Certified CEASE & DESIST notice XXXX XXXX XXXX XXXX XXXX XXXX was delivered to RENT RECOVERY SOLUTIONS exercising my right privacy & to Cease all communication directly or indirectly through any mediums & pursuant to Financial Privacy RuleXXXX XXXXXXXX XXXX XXXX, section 6802 to Cease & Desist the unauthorized sharing, use & possession of private my non-public financial information within thirty days. 
RENT RECOVERY SOLUTIONS has not produced competent evidence of my authorized written consent to be in possession of my non-public information within thirty days. 
I obtained updated credit reports from XXXX XXXX XXXX XXXX RENT RECOVERY SOLUTIONS has continued communication & maintains unauthorized use & possession of private, my non-public financial information without my consent.
Product: Credit reporting or other personal consumer reports

did not authorized transaction. 
Capital One XX/XX/22
Product: Credit reporting

This is still ongoing, Trans Union spliced my credit with someone elses, using my social security, with another persons name and bad credit .I have been trying for almost 2 months to get my credit back in order .I have sent all requested paperwork XXXX times .Nothing has been done .I call XXXX times a week just to find out nothing has been done and I always get the same answer 5-7 days.After the XXXX Nothing has been done .I 'm trying to get a mortgage and ca n't because of this .I 'm going to be homeless in XXXX .if I ca n't get this fixed .If documents are needed I prefer to mail them because of sensitive info
Product: Debt collection

Thank you for your recent contact dated :XX/XX/2019. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian has violated my federally protected rights as a consumer. 
Experian has refused to remove incorrect personal information from my credit report after requests made via telephone, online and by mail with document verification. Experian is reporting multiple alias/aka names and invalid addresses that I am not associated with which has compromised my consumer privacy.
Product: Credit reporting

I have called and faxed my request 4 times to have my personal information corrected and addresses and name variations corrected. This agency keeps telling me that I have to fax all kinds of personal info including a few of my bills which I am not comfortable doing. I have provided my drivers license and social that should suffice.
Product: Checking or savings account

XX/XX/2023 Transactions via XXXX in my savings accounts XXXX {$2.00} {$3.00} {$4.00} $ I call my back regarding fraud via XXXX, I report the lady that scam me. My bank coudnt help me they closed the the dispute or the claim. I give them all the information regarding what happen. And they didnt help
Product: Credit card or prepaid card

On XX/XX/2022 I completed an online application for an American Express credit card. I was denied credit, and the use of my social security number from American Express is fraud because I received NO BENEFITS. I received a letter stating why I was denied and it shows proof of the violation of federal laws towards a consumer pursuant to 15 USC 1691.
Product: Checking or savings account

My account was not overdrawn beforeXXXX on XX/XX/23 and I was assessed 3 late fees. I reached out to PNC and was not provided sufficient proof that my late fees were valid. In addition, there was a pending deposit. I received a notification that my deposit was made at XXXX XX/XX/23 from XXXX and then received a notification at XXXX that my account was overdrawn and needed to make a deposit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Navy Fcu XXXX XX/XX/XXXX XXXX NAVY fcu XXXX XXXX XXXX XXXX XXXX XXXXk XX/XX/XXXX Navy Fcu Finance XX/XX/XXXX Navy Fcu Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX 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: Student loan

UAS is fraudulently collecting interest on Perkins loans by delaying payment due from the legally required repayment start date of 9 months from graduation to 10 months. I paid my daughters Perkins loan off on the date that UAS said payments were due. Her loan was due XX/XX/2022 but UAS said payment wasnt due til XX/XX/XXXX. After paying loan in full on due date XX/XX/XXXX I had a remaining balance due of {XXXX}. I finally got the interest removed. But this company needs to be investigated for illegally deferring payments by one month to help themselves to interest they are not entitled to. How many thousands of borrowers are starting off in the hole before a payment is even required? They are thieves and this is criminal and they need to stop this practice and be held accountable. The US department of Education needs to be made aware of this also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Mortgage

on XX/XX/2020 spoke with XXXX at newrez mortgage. to refi my current morgtage, after calling for months, and signed paperwork to refi 2.62 % for 15 yrs. this would save me XXXX month. told XXXX i am XXXX yrs. old and not that computer savy, he said not a problem. 
Called about the end of XXXX spoke to XXXX and said have not head or received any e-mails or request for paperwork. XXXX said he would reach out to XXXX called yesterday XX/XX/2020 spoke to XXXX said he would talk to his manager and call me back. no one has called, no XXXX -mails. spoke about uploading documents, i said not good with computers. ok i can fax. Later that day i found out the document upload sites are down or don't work at all. 
I mailed paperwork requested to company on XX/XX/2020 XXXX said did not received any doc. This is XXXX  i am XXXX the extra money would come in handy for medical bills. There practices are against the fair lending act and newrez does not want to lend to people with XXXX act. no top of this they are losing XXXX a month for 12 mo. and 15 years. thank you for your help XXXX XXXX XXXX XXXX phone XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I JUST recieved see attatched FROM USAA SENT XX/XX/XXXX WEB SERVICE. Better late than never. This is two years late. USAA IS NOT WEB ADA ACCESSIBLE. see enclosed UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX. Kindly Note the circled transactions * $ XXXX XXXX XXXX XXXX * XXXX XXXX those with stars PAID BY MERCHANTS XX/XX/XXXX. NO TEMP CREDIT IS NEEDED. THE TEMP CREDIT ** {$28.00} IS NEVER MADE PERMANET YET IS REVERSED PAID XX/XX/XXXX. BY MERCHANT AND REVERSED BY USAA {$28.00} XX/XX/XXXX INTO A PERMANET NEW CHARGE. ( (? ** USAA STEALS MERCHANTS CREDITS JUST PAID.?? ) all with stars paid XX/XX/XXXX The other two were paid by merchant see attatched XX/XX/XXXX statement. ( USAA ARE CRIMINALS STEALING ALL MERCHANTS CREDITS ** PRETENDING CONSUMERS GOT 2 CREDITS FOR ONE PURCHASE ) SO USAA TAKES BACK WHAT THEY NEVER GAVE OR MADE PERMANET SAME DAY MERCHANTS PAY OR FEW DAYS LATER. Also see attatched CRIMINAL INVESTIGATION LETTER USPS DELIVERIES NOT MADE Provide WRITTEN DOCUMENTATION THESE TRANSACTION WERE PURCHASED BY ME AND WRITTEN DOCUMENTATION TO VERIFY DELIVERED INTO MY HANDS. USAA NEEDS TO BE CHARGED. THIS IS A CRIME. USAA STEALS MERCHANT CREDITS HIDING INTERNALLY. USAA LEAVES CONSUMERS LIABLE FOR FRAUDS. USAA DOCUMENTS. INTERNAL CREDITS XXXX {$470.00} + XX/XX/XXXX {$700.00}. OTHER CREDITS + XX/XX/XXXX {$2.00}, XXXX. ( = TOTALS OF {$3.00}, XXXX ** SHOW ME WRITTEN PROOF OF USAA INTERNAL HIDDEN PERMANET CREDITS. AND WRITTEN PROOF OF DELIVERY INTO MY HANDS. ) TRUTH IN LENDING NOT HERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FAIR CREDIT REPORTING ACT, Experian, XXXX, & XXXX are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and used XXXX XXXX  as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX XXXX XXXX This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right.

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.