23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$18000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX and Diversified ADJ SERV creditors will not dispute the problem and account. I have no knowledge of the account which was opened with my identity I have XXXX XXXX in XX/XX/2023 I never had a XXXX account in XX/XX/2023. The creditors and XXXX computer refuse to dispute this problem or remove the account from my credit report. I have contacted the company number times and I have disputed the company through other credit monitoring companys. Yet although nothing has been resolved. I do not owe XXXX XXXX or Diversified Adj Serve  collection agency nothing. The account does kit belong to me I would like to know which phone and phone number was used and if we can do an investigation into the matter about the IP addresses and why is the bill supposedly {$780.00} is what is an open balance I have no knowledge of the account it does not belong to me. If possible can we investigate what are the subscription on the account and bill charges amounting in {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND TRANSUNION ALLOW THE COLLECTION ACCOUNT WITH XXXX XXXX   TO LEAVE INFORMATION BLANK AND INCOMPLETE. XXXX  AND TRANSUNION MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! XXXX  AND TRANSUNION PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. TRANSUNION, AND XXXX  ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX  A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Product: Student loan

I initially was lied to by the XXXX by their financial aid office by having the lady tell me that I would not have to repay all of my loans until after I graduated. Which turned out to be a complete lie. I was signed up with the parent PLUS loans. I attended the school from XX/XX/XXXX-XX/XX/XXXX. I have already filed a grievance with you folks regarding this LIE & SCAM the XXXX participated in. From this I was forced to drop out as repayments were required. This has in turn resulted in tens of thousands o dollars in INTEREST AND LATE FEES. My original loan of {$43000.00} has BALLOONED to now {$73000.00}!!!! I have been making payments for years and pretty much covering the interest portion at a tune of $ XXXX/month. I had made extra payment amounts to only find out that it never touched my principal at all?!? I called Navient to see why. I called several times through out this nightmare for various reasons and asked at different times to different Navient reps as to why my extra amount was not applied to my principal. The first representative said in the beginning that my extra amounts were in fact applied, which was a flat out lie. I know because somehow my balance kept growing?! After telling her that this was not true she then looked again and said that my extra amounts were going towards interest? Now mind you I 'm paying and have been for YEARS the interest only portion and yet my balance continues climbing. After calling back months later for a request for repayment options the other representative I spoke with said all additional monies paid were applied to principals. You can not get a straight answer from them?!? I just read an article about the pending lawsuit of how Navient misapplied extra payments and I 'm outraged even more with this whole ordeal. I 'm desperately seeking answers and help in my ongoing nightmare with student loans, the scam school of the XXXX and XXXX/Navient. HELP
Product: Credit card or prepaid card

I first filed this complaint with the Federal Reserve after making contact with Ally over 12 times with promises someone would reach out to me and customer service Im unable to escalate this to a manager. 2-3 weeks ago I was told my account hold would be lifted XXXX it has not. Ally is also very slow processing my payment. See this history below : Ally Bank sent me a pre approval offer for a XXXX in XX/XX/2022. I accepted the offer and qualified. Once approved, I cancelled a credit card with another bank and when my Ally card arrived, I transferred a balance to Ally. However, my balance did not exceed the approved {$3000.00} limit. I made extra payments on this card all from my same XXXXXXXX XXXX checking account. The one Ally linked and verified. One payment I made a {$1000.00} payment that was processed and posted. Then I started getting charge denials for very small purchases and logged into the Ally App to see why. My account said ON HOLD in XXXX. I called Ally customer service and was told some smaller payments were returned. No email, message nor any notification from Ally about the returned payments. From the same account as my posted payment. Ally customer service kept going silent on me when I asked how payments could be returned when the all came from my confirmed XXXX XXXX  account that was saved in the Ally App by me, not any newly typed numbers. Customer service would only say they put a 5 day hold on my account because of the returned payments. Well, my account is still on hold and it is now 10 - 15 days from when I called customer service. 
Customer service promised a supervisor would call me at my request. I asked twice over the past 15 days and no returned call. Then I chatted with Ally via Messenger recently and was promised at least times I would get a call. No call back and my account is still on hold. Despite having available {$1900.00} and two test payments I made that posted and cleared. Why is my account still on hold? This has put me in a difficult position, as I already closed my XXXX XXXX credit card account and only keep one credit card - Ally.
Product: Money transfers

I have received around {$800.00} in overdraft charges from my bank because I am unable to control Paypal funding sources. Paypal requires that a bank account be linked to the account, and then you also add a credit card for backup funding. I have tried multiple times to modify the priority of withdrawal so that my credit card is the backup source to the paypal balance. Even though I thought I was successful in changing the priority of funds, there were other conditions that I can not easily see or understand causing a draw attempt against my bank. During my most recent calls I tried to have the undesired bank completely removed from the account. The call ended with the phone service rep telling me I could n't do it because there was a pending charge still open ( on XXXX of the overdrafts ) and once that settled I would be able to close. After the charge settled I was still unable to close. I tried over and over, and then stumbled upon a billing agreements section, I also cancelled accounts and made changes, but even those were not effective. Today I called again to complain. The Service Rep to me that charges XXXX go to the balance, then go to bank and then other funding sources. I asked then why is there an option for a backup funding source if Paypal still attempting to withdraw from my bank? I read to her the settings that were applied to XXXX of my billing agreements ( XXXX ) it clearly was set to Balance, then my XXXX CC. She had a XXXX sec silence and could n't respond. This was the tipping point for me, I asked her to cancel my account completely .... she was unable to do this, again stating that because of another open transaction she couldnt do it and that I would need to wait for that to settle. They fooled me on that XXXX in the previous call and it cost me another {$70.00} in fees, so I persisted in requesting that all billing agreements be cancelled. She said she did, and I was online when she said that she performed this, but when I checked, many of the accounts were still active. And again I asked why she could n't simply shut down my account. Frustrated I asked a second time for a supervisor. She placed me on hold and then a few minutes later the call dropped ... I came straight here to provide complaint
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the Equifax data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. please help me delete these illegal accounts from my credit reports. list all these negative accounts from your Equifax credit reports. account names and account numbers and file your complaint with the CFPB
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting incorrect, erroneous, and misleading information on my credit report. They are each in clear violation of the fcra. I move for complete deletion of late payments and any account missing information which merits incorrect and unverifiable information.
Product: Checking or savings account

I was waiting for my pay check to hit my account. When I woke up and noticed that there was an un authorized charge from XXXX totaling {$100.00}. I contacted chime who stated I had to wait until the transaction went through to dispute it. I tried to reach out to XXXX but was not successful. My card was compremised because it was attached to my XXXX XXXX account which was hacked because another purchase was made from a different card that was also attached to my XXXXXXXX XXXX  account. When I pulled up my transaction from XXXXXXXX XXXX the charge was not there. I disputed there decision and they sent me back there findings and stated because I had my card with me at the time then it was an authorized payment which again It was not I just want my money back and did not think I would have to go this far to get it. It is not fair that because I had my card it says that I made this purchase which is not true. I submitted proof I did not even have XXXX. I just want my money back.
Product: Credit reporting or other personal consumer reports

This company posted charge off on my credit report, then updated and now showing closed. Information is incorrect and this account should be removed from my credit report. I have filed several disputes and issue has not been corrected. Please remove this account form my credit report. 
Name of XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported inacuracies. many times of disputes and agreements they fail to detail conversations and fail to execute solution and leave my account in negative standing. I never received card in mail.and they report it late and negative remarks. They still haven't mailed new card and even after their dispute to be unauthorized they fail to update results and log details.company is intentionally hindering and being delinquent. this is effecting my life greatly I am disappointed with cfpb consumer services of advocacy and defensing against unethical practices
Product: Money transfer, virtual currency, or money service

I have tried to reach out to cash app multiple times about unauthorized transactions I have tried to reach out to cash app about missing money I was never able to get a live representative or get any of my questions answered
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.
Product: Credit card

After a divorce I am saddled with marital debt such as this card that is in my name only. In an effort to minimize the financial impact I asked Citi about options and they stated that I could negotiate a payoff amount. They were unwilling to offer me a payoff amount several months ago so I offered an amount. They rejected my offer and did not counter offer. The representative informed me that I could make another offer after 30 days. I made another offer after 30 days and it was similarly rejected. I was told I could wait another 30 days and submit another offer. During this time my account was closed without warning. This trickery has allowed Citi to continue to charge me obscene interest while I attempt to settle this account every 30 days. I may need to declare bankruptcy.
Product: Debt collection

Details : Convergent outsourcing is attempting to collect CELL PHONE DEBT which is almost 6 years old. 

Original creditor : XXXX Amount : {$1600.00} Age of debt : 6 years ( XXXX has it as 4 years ) Issue : this debt has passed FEDERAL statute of limitations ( FDCPA ) of 2 years by a significant margins Ask : remove this item from any credit reporting agency ( from XXXX AND including XXXX ) Creditor Information CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , WA XXXX
Product: Debt collection

I have recently sent a compliant of a unverified account from XXXX XXXX XXXX XXXX XXXXXXXX to the credit bureaus. I have already filed a request for proof of claim and affidavit. please see my attach documents. Please delete the above account at once.
Product: Credit card

Received letter from one main financial dated XX/XX/year> stating we have exercised all investigation and resolution options available and unable to assist with the dispute because it was not received within XXXX days of the charge. This is not true. I did contact Customer Service within the XXXX day timeline. Customer Service never opened the dispute. Claim number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Debt collectors reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank for XXXX is reporting inaccurate information on my credit file. They are reporting a late for XX/XX/XXXX & XX/XX/XXXX. I don't recall getting any statements or these months. I've had this account for a very long time, and always make my payments on time. I am requesting as a one time courtesy to remove these lates off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I know that I have a right to privacy Pursuant to 15 USC 1681 ( a ) ( 4 ) under Federal Law, and Experian has infringed upon my rights to privacy. On XX/XX/2022 I logged onto a monitoring service to review my consumer report. When I logged on, I noticed an address that I have never seen before. I originally contacted Experian on XX/XX/XXXX to remove old addresses, and to update my name, however, I was not expecting to see an address that I never gave consent to furnish on my individual report. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), It states that any consumer reporting agency may furnish a consumer report under the following circumstance and no other : In accordance with the written instructions of the consumer to whom it relates. Experian is in direct violation of this statute. I did not give Permissible purpose nor did they have my written instruction to furnish this information. My main concern is where did they get this information, and who told them to do this? This constitutes Identity Theft and Fraud, under Federal Law and I am owed remedy. 

Furthermore due to the rising Identity theft that is going on, and all the information that I had no idea was furnished on my report I sent Experian a letter not only demanding that they update the correct location information on my consumer report, but I also sent them an FTC identity theft report telling them to block all the information on my report, that I believe is Identity theft and fraud. They informed me that they couldn't which made no sense to me because the information that I sent was in the form of an affidavit of facts and once again my rights have been violated.
Product: Debt collection

Its now XXXX XXXX  and since this morning, ive gotten 8 phone calls from them today. This is and will not be over for the day as they continuously call me throught the day even past XXXX XXXX  and well into the night. Every single day.
Product: Credit reporting or other personal consumer reports

Fraudulent account ( from XXXX, a horrible fraudulent company ) reappeared on credit report. Attempted to dispute online but the website is down. The help page does not contain contact information. I called to dispute by phone ; I had to enter and re-enter my private information at least 3 times before it put me on hold ; however there was no sign I was even on hold or the call was placed in a queue. I waited for over an hour and no one answered the phone. There is absolutely no other option for disputing information in the credit report that is false. This is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous disputes to the XXXX, XXXX and TransUnion consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to contest the claims made in the inquiries listed below and to demand verifiable documentation with my physical or digital signature. Since I never gave such permission, the Fair Credit Reporting Act 's Section 604 rights have been violated. This action was taken without any justification from the reporting firms. Since I never gave my consent, this inquiry is untrue. The Credit bureaus are required by the FCRA to investigate or remove those requests that are under investigation. Under the FCRA Section 605b, I am reqwuesting that Experian remove the disputei inquiry as soon as possible : 1XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

This account is being reported on my credit report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.
Product: Debt collection

NCA National credit adjusters This derogatory account was a result of identity theft. The original company was cashcentral {$310.00}. 
This has been resolved with both companies yet NCA refuses to remove completely after agreeing to do so. Many many many times Ive called and been promised they would remove completely. Still on credit report. I am purchasing a house next week with this derogatory mark which is illegally still there. 
Leave my credit alone!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has allowed someone to compromize my credit report. Someone has applied for credit using my SS # ending inXXXX. Applying for credit cards and or finianical services to include loans in my name. I am request that all Inquries be removed from my credit file. 
Many I have not authorized or given promission or have a contract with these companies. 
From XX/XX/2020- XXXX. This is Identity Theft at te Highest Level.
Product: Credit reporting or other personal consumer reports

There is incorrect personal information on my credit report ( My Name and Address )
Product: Credit reporting, credit repair services, or other personal consumer reports

it has come to my attention that this student loan is reporting numerous times on my credit report, all under the same account number. Not only are they reporting fraudulently but are also reporting late payments on closed/transferred account which is a violation of the FDCPA. the account needs to be verified, and provide me the proper procedures made to ensure the integrity of the account is accurate. if can't supply me with the procedures taken to validate the account I would need this tradeline to be removed from my credit report immediately and stop all collection activities.
Product: Credit reporting or other personal consumer reports

I never applied for any cards with WELLS FARGO. I had a payee account opened with them in the early part of XXXX. I never authorized a credit pull in XX/XX/XXXX.