23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im originally from XXXX, WA, and had XXXX XXXX in the house where I lived with two other roommates until XX/XX/XXXX, at the time of moving to XXXX, NC, I asked XXXX to cancel my subscription, as my roommates were taking it over, and I would not be needing their service anymore, they agreed, and said they would send or have someone call my roommates to switch the policy into their name, needless to say, this never happened. And unknown to me, my roommates continued to use the cable under my name, well sometime in XX/XX/XXXX, they fell behind on the bills, and now Im being held responsible for the debt, Ive received a collections notice, and a delinquent report on my credit for cable services when I havent lived there for 3 years! I spoke with the collection agency, XXXX, and the local law enforcement office to see what can be done in this matter, but I hit a brick wall with every call that I make, I have lease agreements and utility bills, let alone an NC drivers license that proves I was not there nearly a year before they fell behind on the bill. And their delinquent report is that I didnt pay {$200.00} on XX/XX/XXXX on my credit report! The bill originally was over {$400.00}. I have never fallen behind on any of my payments, my credit history will show that, I keep everything in good standing and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX And the following inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have 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. With that being said, why hasn't Transunion and XXXX Credit Reporting Agencies removed the accounts that are inaccurate. I have filed previously before with no resolution. This inaccurate reporting is causing issues with my livelyhood.
Product: Debt collection

Wakefield & Associates, a debt collector in XXXX, continues to report debt that is over 6 years old. 

Per A.R.S. ( XXXX Revised Statutes ) 12-548, debt over 6 years old is not allowed, by XXXX law, to be reported as a delinquent account/debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was looking at my credit to see if I can go start looking for a new home. I see some accounts on my credit that I honestly dont know anything about. I hope that you all can help me with this. You all help XXXX of my friends that this also happened to. I was told to file and compliant with the FTC and I did. I doing this on my own behalf and need some help. Im asking for you all to remove the accounts off my credit XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle and my financial institution failed me when it came to recovering my funds they also failed to investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 2 late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them their.
Product: Mortgage

I have submit the CFPB complaint XXXX-XXXX  to request the evidence. 
However, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation said " We have reviewed your complaint and researched the issue regarding your request for documentation. Since you are in litigation with a third party, we would need a subpoena from you before we can release the requested information ''. 
So I filed a subpoena and use process server to served. 
However, till now neither the court clerk nor I received the documents. 

Thanks a lot XXXX XXXX
Product: Debt collection

I have been constantly disputing a collection that Hillcrest & Davidson is reporting to the credit bureaus. For some odd reason the credit bureaus are saying that the collector has verified the debt. I find it pretty strange because I sent a letter to Hillcrest & Davidson requesting information about a debt the debt and it has been over 30 days and I never received any proof that the debt belongs to me, how they calculated the amount owed, nor any proof that are legally able to collect the debt. Here is the tracking number XXXX XXXX XXXX XXXX XXXX and it confirms that they received the letter XX/XX/21. It is XX/XX/21 and I have not received anything that corresponds with my request. 
Since Hillcrest & Davidson has failed to respond to my request. This account must be deleted from my credit reports. They can not collect on this debt legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

The identified transactions on my federally protected consumer file are not transactions furnished on my consumer file by me. no consent is identity theft. these federal laws are to be followed and must not be broken and i have been violated of unlawful acts by XXXX, experian, XXXX and the furnishers of this information. 15 USC 6802 obligations with respect of disclosure of personal information B ) ( 1 ) ( a ) ( b ) ( c ) never was given OPTIONS. they do not have no disclose form i have right to privacy. i have provided necessary documentation of federal consumer protected law which the cra is govered by. 15 USC 1681B ( a ) ( c ) ( 2 ) the unlawful act they have committed needs to be changed before seeking remedy in exchanged. This is the start if an administrative process if this identity theft of my NONPUBLIC personal information is not removed off the file. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach , along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

BUREAU OF ACCOUNTS CONTROL This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 



I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Checking or savings account

I had my Albert bank account thats the name of the banking institution recognized on XXXX for quite some time. I was never allowed to overdraft ever. I was given a certain amount of as a cash advance to use and pay back but never allowed to go over even XXXX XXXX without decline. i rented a car from XXXX XXXX. I had the car for probably three weeks. Then the brakes went out. Obviously they were grinding right away. I called for a tow truck to come. The tow truck came brought my rental car to the XXXX headquarters that handled repairs. About a week to 10 days I receive phone calls from loss prevention at XXXX asking if I would return the vehicle. I explain to the lady that the car is already been returned. If there was an issue with the brakes and they took the car and I didnt have it. I want it today about a week later maybe even a week and a half I was then charged by XXXX for the rental car, the damaged brake repairs, ( the fact that they were grinding like they were meant they werent maintained properly by them ) I was charge for the tow truck. I was charged a miscellaneous fee. I was charged for days I didnt have the car. I was charged a lot unjustly {$1900.00} to be exact. I thought to myself oh, thats a shame but theres no way my financial institution will allow this charge to go through lo and behold. This is the first Albert banking allows a XXXX dollar charge to go through when there wasnt nearly even remotely that kind of money in my account. I am now XXXX dollars. Ive been taken to collections by XXXX because theyre saying they never got the money. The collection agency has confirmed they have never gotten the money. Not that I would want to ever use them again but my rental privileges have been taken away by XXXX. And to be clear, collection agency and XXXX have never received the money. I have disputed the charge with my bank and have gone round and round to no avail. They have stood by the actions that are completely unscrupulous. I am at my wits end. Not only was I charged an unjust amount of money by XXXX but my bank institution has agreed to pay it and let me overdraft my account when they never would let me go even XXXX over in all my time as a customer and I am at a loss for words here because I dont know what else to do it this point. They have claimed to have investigated but they havent even spoke to the collector or XXXX that i know of. This is really a despicable way for a bank institution to do business. Also they text only and no phone number to call to actually speak to these people make it even that much more frustrating .. : and they call themselves geniuses, which is ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of hard inquiries from my credit report, which I believe are inaccurate or unauthorized. I have reviewed my credit report and found these inquiries to be not properly authorized. When I went to apply for credit at these locations, they stated that it will not affect my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

To Whom It May Concern, I am submitting this complaint regarding CapitalOne Bank failure to process my direct deposits on the expected dates, which has caused significant financial and emotional hardship. 
XXXX. On XX/XX/year>, my early payday deposit, which I regularly receive prior to the scheduled payday, was not deposited into my account. This deposit usually occurs around XXXX XXXX. 
XXXX. On XX/XX/year>, the regular payday deposit also failed to occur as expected. I would have thought this would have occurred around the same XXXX XXXX. 

An email was sent out to Valued Customers addressing the technical issues that have been happening since XX/XX/year>. It was stated in the email that Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

The deposits are still not in my account. 

This issue has had severe financial repercussions. I have been unable to meet my financial obligations, resulting in several returned payments and associated fees. The lack of funds has caused me significant stress and emotional strain, as I rely on these deposits to cover essential expenses and manage my daily financial responsibilities. 

Please let me know if additional documentation or information is needed to assist with this complaint. I appreciate your prompt attention to resolving this matter.
Product: Credit card

On XX/XX/XXXX, I received an email from 2023 JPMorgan Chase & Co stating that I applied for a credit card with them. I did not. The next day I received an email from them stating that k requested a new card ; I did. It do this either. 

Someone has applied for credit cards using my personal information that was NOT me.
Product: Checking or savings account

Applied for loan through XXXX XXXX ( XXXX ) on XX/XX/XXXX. XXXX XXXX  was to send three loan deposits, which I was to return to XXXX XXXX using XXXX XXXX as the money transfer return agent. I provided my PNC Bank online username and password so that XXXX XXXX would make the three loan deposits. My PNC Bank checking account reflects no loan deposits, either Direct or ACH, made by XXXX XXXX. My checking account had its records tampered with the posting of three transactions, XX/XX/XXXX XXXX Provisional Credit - Dispute Pending Effective XXXX - amount XXXX XXXX, XX/XX/XXXX XXXX Provisional Credit - Dispute Pending Effective XXXX - amount originally posted as XXXX XXXX XXXX, and XX/XX/XXXX XXXX Provisional Credit - Dispute Pending Effective XXXX - amount originally posted as XXXX XXXX. 

On XX/XX/XXXX, I requested {$880.00} be deposited into my XXXX XXXX account to return the " loan '', which I never received. XXXX, the XXXX XXXX employee, attempted to deposit {$880.00} to multiple XXXX employees unsuccessfully, until the deposit was made to XXXX XXXX successfully. XXXX indicated that she could not deposit the returned loan to my PNC Bank account. A subsequent attempt for deposit required a payment of {$300.00}, which I did not pay. Thus, I never received a loan. 

On XX/XX/XXXX, three Provisional Credit Reversals in the amounts of XXXX, XXXX, and XXXX were made on my PNC Bank account. A XXXX deposit on XX/XX/XXXX in the amount of XXXX was deposited to offset the negative balance which existed in the account. I requested that this deposit be made to my new checking account, but was denied. The account was closed with remaining negative balance of XXXX. 

Since no loan was deposited by XXXXXXXX XXXX, I checked Ohio Revised Code 2913.42 Tampering with records. The following codes appear relevant to these transactions : 2913.01 Theft and fraud general definition, 2913.02 Theft, 2913.73 Evidence that victim lacked capacity to give consent, 2913.42 Tampering with records, and 2913.21 Misuse of credit cards. 

PNC Bank presented Dispute Resolution regarding XXXX XXXX transaction that XXXX disputed amount was properly transacted. Based on information in Ohio Revised Codes above, loan was never received, thus loan was never returned, as transaction represented amounts from bank account record tampering and misuse of credit card with evidence that victim lacked capacity to give consent as no loan was ever deposited in order for it to be returned. 

Thus entire transaction had no loan deposited, no loan returned through XXXX XXXX, XXXX XXXX receiving " false loan '' and record tampering with false Provisional Credit Reversals. I received no loan, but have had the result of being responsible for all loses related to this transaction.

I disputed this process four times with PNC Bank with no change in its position regarding the outstanding negative balance on account. A fourth dispute is currently under review by PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.
Product: Debt collection

I did not consent to, benefit from nor authorize any of the following accounts : IQ Data- {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau has me as deceased. I am alive and well. All of my accounts are listed as closed and Consumer deceased. I am not deceased. I have proof. I am alive I am writing this complaint on my computer. Can you please have Equifax reinstate my account as open and being paid. thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax 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 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent
Product: Student loan

I graduated from XXXX XXXXXXXX XXXX XXXX in the year 2000. I borrowed XXXX XXXX XXXX, obtained by filing a XXXX application, for each of the XXXX years I attended. After graduation I consolidated the XXXX loans through XXXX totaling about {$17000.00} in debt that I was to pay back. In the years since, I have payed when I could afford to, but given that every major life change has been met with a recession, sometimes I just couldnt afford to. Ive probably paid back around {$20000.00} in the last two decades, but after going through XXXX defaults and subsequent rehabilitations, I currently owe more than {$65000.00}. After starting with XXXX XXXX my loan went to XXXX, who kept me in deferment for most of a decade. They recently sent me a check for a nominal amount of money as a pay out for a class action lawsuit brought against them for that practice. After my last rehabilitation my debt was moved to Nelnet. Somewhere in all of that my debt became reclassified as private despite still being listed on Studentaid.gov as an XXXX loan. 

Nelnet has insisted I pay and charged me interest throughout Covid, insisting that my debt is private and therefore not covered under Covid relief. When I complained, Nelnet relieved me of a couple of months worth of interest and past due payments, but immediately started sending me bills expecting me to pay despite the relief included in Covid relief. When I insisted that my debt was public, they refused to work with me. I put in a complaint with Studentaid.gov, but all that was done was to check with my debt holder and believe them instead of me. Feeling helpless, I hired a lawyer through XXXX, XXXX, XXXX XXXX law firm who had me fill out a form to reconsolidate my debt as public and have it transferred from XXXX to XXXX. Despite paying a retainer of around {$1000.00}, as best I can ascertain, none of these forms were ever filed with the respective institutions. Each time Ive reached out to the lawyer I hired through that firm, Im told they will check about the forms and get back to me. I then get a bill for contacting them but never hear back.

I will apply for the current loan forgiveness, but as my debt is erroneously listed as private, Im sure to be denied any further relief just as I didnt get any Covid relief. I am reaching out and telling you this story because none of the systems in place to protect me are working. Without more thorough and effectual relief this debt burden will continue to grow, holding me back in life, and any further relief offered by the federal government will continue to be denied to me.