23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

when my car was stolen, I reached out to my insurance company XXXX about the theft. after the police recovered my vehicle, XXXX would not allow me to repair my vehicle and claimed my vehicle to be total loss. when payment was to be issued for the amount of my vehicle, XXXX claimed that my title had an outstanding loan with Title Max. knowing that I have never took a loan out with Title Max I reached out he them about the inaccurate information. when I reached out to Title Max I spoke to a manger by the name of XXXX XXXX. he stated it showed in their system they paid a loan to my finace company for my car. I provided him documents that showed I paid my car off in full and his information was inaccurate. XXXX for title max then stated the loan had been written off in their system and they were no longer able to collect on the loan. I advised XXXX that the loan was fraudulent and that I have had I identity theft in the past and I sent all information certified mail to XXXX and title max showing my identity theft and giving them opportunity to prove if the loan was accurate. this loan was supposedly taken out in the same year as my id theft case. title max never responded to the identity theft package, but instead contacted XXXX to have the check sent over to them for my car. so instead of XXXX issuing the check for my stolen vehicle to me, my money was sent to title max because they claim the loan that was written off in their system could be reopened if paid off. even after proof was brought to both XXXX and Title Max that the loan was fraudulent Title Max still told XXXX to send them my money. I have a police report from XXXX county from 2014 when my id theft case was open, I have an id theft affidavit, a FTC complaint number for id theft, and a payment receipt when I aid my car off from my loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

RE : XXXX XXXX Account : XXXX The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
XXXX 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.
Product: Credit card

At the beginning of XX/XX/XXXX, I received a letter from Bank of America stating their XXXX XXXX XXXX program was being discontinued. Consequently, the XXXX XXXX XXXX credit cards were to be converted into their Unlimited Cash Rewards cards. The letter stated if my accounts were open and qualifying payments were made from XX/XX/XXXX through XX/XX/XXXX, I would receive a final one-time statement credit of {$20.00} on each account within the next XXXX weeks. On all the cards, a final qualifying payment was made on XX/XX/XXXX. With regard to the XXXX week waiting period, if we were to start from XX/XX/XXXX, XXXX weeks later would be XX/XX/XXXX. Today is XX/XX/XXXX and I have yet to see the {$20.00} credits on any of my XXXX accounts ending in XXXX, XXXX, XXXX, XXXX, and XXXX. I upheld my end of the terms and I wish Bank of America will do the same.
Product: Credit reporting

this account is to old and is not verified I want to see the contract that XXXX XXXX has with this company that allows them to report to my credit that is my right I want to know how for sure they know I owe this debt I want the a the on sight notes when this company became a member I will not take a update in XXXX XXXX as proof that this company has my ss # ans address
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called equifax they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in Equifax not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 603 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting with XXXX XXXX XXXX for some type of payday loan. This is not mine it's showing that it opened in XX/XX/2015 and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on Equifax.
Product: Mortgage

I applied for the Home Assistance Fund Program and was approved for forward payments for 17 months. The payments started on XXXX. I am having issues with my mortgage company " Pennymac '' because they are applying the payments to my principal instead of my monthly payment and they are now refusing to do a reversal and apply the payments from XXXX to my Monthly Mortgage payment even though they are aware that it should go to the monthly payments. If they leave the money towards my principal, then I will still need to make my monthly payment and that defeats the purpose of me getting the assistance that I need since I am unable to make my monthly payments. 
They already have a copy of my award letter and are fully aware that I was approved for my monthly payments and are refusing to help. Thank you in advance.
Product: Credit card or prepaid card

XXXX XXXX  sent me an offer for 0 % interest rate for balance transfers. So I opened an account on the offer code sent to me via mail. I once account was open I used the balance transfer of {$10000.00} from my Bank America account to XXXX account. That was XX/XX/XXXX, that the balance transfer was confirmed by XXXX. Weeks go by Bank of America reflects no reduction of the transfer amount of {$10000.00}. I call XXXX and they stated they sent the funds to Bank of America. XXXX instructs me to call Bank of America as the issue is on their side. I call and Bank of America says no they did not receive the funds to call XXXX. Call XXXX back and told the funds are sent and will hit my Bank of America account in a day or two. I wait a week nothing. I called both banks several times including XX/XX/XXXX when Bank of America agent states they see the {$10000.00} funds disputed and unsure why and what. But then not shown in transactions. She was confused and sent me to the transfer department directly. Transfer department says no nothing there and no dispute to go to XXXX bank. Got nowhere with either bank then. Called again a day later and told by XXXX to verify the account I do so and mention it was several times. Person at XXXX says the issue is the wrong account info given. Total lie but ok as it was verified several times prior in phone calls to XXXX. I call on XX/XX/XXXX to both banks and get nowhere. I am told by XXXX here is the tracer number bank America can look it up and XXXX sees it and verify funds went to BOA. Tracer # XXXX. I was asked XXXX XXXX  for a confirmation of funds transferred and was told it will take 24-48 hours for that department to send me the record receipt of funds transferred. After asking twice for that confirmation on XX/XX/XXXX I got an email from XXXX that stated transfer was successful but dated XX/XX/XXXX. Having that tracer number and my customer ID XXXX. I call the banks both again and told by Bank of America they opened a dispute case on this and I would hear back regarding this situation. I have not and it is nearing a month now. I have been stuck in limbo since XX/XX/XXXX showing a credit card debit doubled what it is. My credit score fell XXXX points due to all this. I am in the process of purchasing a motorcycle and this has directly impacted me and me monetarily at this point. Neither bank will help and both tell me to go to the other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a delinquent collection on my report that has been paid since early 2018. This just surfaced and we are was discovered because we are trying to refinance our house. We called the company reporting this delinquency. They researched it while we were on the phone and verified the account had been satisfied for some time. I asked them to remove the reported item and they said they no longer held the account and could not remove this item from out credit report. My mortgage broker suggested I file this complaint to get this removed as soon as possible so we could move forward with our refinance.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : 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 XXXX
Product: Credit reporting or other personal consumer reports

This is really worrying and have caused me sleepless nights as I am a victim of identity theft, and my personal information was used fraudulently, resulting in items on my report that I was never involved with. Following TransUnion 's instructions, I filed a report with the FTC and submitted it ; however, these fraudulent items still appear on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a negative report on XXXX and Transunion had a negative report on my credit, so I disputed it and they responded by sending me the copy of a contract not signed by me, wrong email, wrong physical address, wrong phone number. The only thing right was my name. I have contacted them several times, disputed it with both XXXX and Transunion with no results. The Debt Collector is XXXX  XXXX  XXXX  and I have recently got some information from an Attorney that the have several judgment against them in Federal Court of which they are ignoring. They are getting sued in Federal Court and having Default Judgments taken against them, yet not updating the credit reports to be accurate all while demanding payment for the tradelines to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Student loan

In XX/XX/XXXX, I submitted an application for Borrower 's Defense for discharge, regarding a fraudulent for-profit school that has since been proven evident of fraudulent and deceptive practices in a XX/XX/XXXX nationwide settlement of XXXX XXXX to 180,000 students across 48 states. My school, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) located in XXXX, FL, which was a XXXX XXXX XXXX ( XXXX ) school that closed in XX/XX/XXXXthen renamed XXXX XXXX, defunct in XX/XX/XXXX. I am reporting that this XXXX  lawsuit and settlement was issued unjustly to XXXX Direct loan borrowers and excluded FASFA, federal student aid borrowers. My complaint is regarding the Federal Department of Education Borrower 's Defense Department processing and judgement of denial, I received on XX/XX/XXXX. This recent settlement case, XXXX XXXX public scrutiny and admitted guilt by way of XXXX XXXX XXXX XXXX   settlement to students nationwide should have been means for discharge from a logical stand point. Are there legal principles, documents or processes that are unknown to me that I can submit to the department that were submitted in the plaintiffs court case? There have illegal and unjust on 2 profound levels that I am experiencing. 
The first injustice has taken place just like highly publicized schools such as XXXX and XXXX XXXX, for-profit institutions have too much fraudulent leeway to exist and systematically violate the use federal and private resources for the public. First generation college seekers, minorities, low income, among other disenfranchise groups of people were targeted in this corporation 's higher education scam. My entire primary education financial offerings were through XXXX XXXX and not XXXX direct loans, which I had no education about. 
Discrimination and neglect is the second level of illegal and unjust processing. Because this lawsuit only pertained and was carried out for a certain group of borrower. The bulk of students attending these schools were financed through federal loans, so why wasn't there financial restitution given to all students who are seeking relief by way of discharge, that has been in a timely process for 3 long years of life unfairly and to a unfair resolve. 
I have submitted an option for reconsideration, as of XX/XX/XXXX, officiated XX/XX/XXXX but have not been provided any guidance by the Borrower 's Defense Department on what is needed information for approval.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an immediate investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have repeatedly contacted this company by mail, telephone, and through credit bureaus requesting the items below. The company has failed to respond to my many requests and has allowed inaccurate items to remain on my credit report, causing financial and emotional distress. I have copies of receipts from certified mail sent to them, as well as dispute letters sent to them and the bureaus requesting the information be removed and information requested be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692 C says that if a report has been made, accounts must be removed.

According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My previous student loan servicer was FedLoan Servicing. They transitioned my account to a new servicer, XXXX in XX/XX/XXXX. A payment was made by my XXXX company XXXX to FedLoan right after the loan was transferred. The loan was transferred on or around XX/XX/XXXX and the payment was made to FedLoan on XX/XX/XXXX for {$700.00}. FedLoan is saying they can't help me since my account is not with them and they have not transferred the payment to my new servicer XXXX nor have they returned the payment to me.
Product: Debt collection

The company, Discover Bank, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX  are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
Product: Credit reporting

his is not my debt. I have reported it to Experian and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
XXXX XXXX XXXXAddress:XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute XX/XX/XXXX. 
Date Opened:XX/XX/XXXXReported Since:XX/XX/XXXXDate of Status:XX/XX/XXXXLast Reported:XX/XX/XXXX Type : CollectionTerms:1 MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc. ) due to inadequate customer service and unfair practices, which violate the customer finance protection act ( cfpa ) specifically, cashapp 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 process was unfair and deceptive, as they did not comply with electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant financial losses and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX  XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023.