23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the removing of the erroneous information which is being posted to my report. 
XXXX  XXXX BALANCED {$5100.00} XXXX  XXXX BALANCED {$2400.00} XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$170.00} XXXX  XXXX  XXXX BALANCED {$770.00} XXXX  XXXX XXXX BALANCED {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$170.00} XXXX XXXX  XXXX BALANCED {$57000.00} XXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} DEPT OF ED XX/XX/year>
Product: Credit card

XXXX. I have reported this charge as fraudulent multiple times. Each time, Goldman Sachs has failed to provide any evidence showing that I authorized this charge, despite my repeated requests. I did not authorize this transaction. The banks refusal to provide evidence or have an investigator speak with me demonstrates predatory behavior towards consumers. Ive started doing less business with Goldman Sachs due to the predatory behavior from the bank.
Product: Credit reporting or other personal consumer reports

I see there is a public record on my credit report that is inaccurate. I reached out to the bankruptcy court and they verified that they do not report bankruptcy information to credit bureas.i would need for this to be investigated
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights.

15 USC 1681 Section 602 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 My written instructions 15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Hello, I am contacting National Credit Systems regarding the documents for the alleged debt with XXXXXXXX XXXX XXXX XXXXXXXX. Please advise I see inaccuracies and you may want to run fast as this is in violation of my rights with the FCRA and I will escalate this and speak with a lawyer. The line item list you provided does not have my wet signature, I do not owe this property and no damages were made to the unit! Please advise that I have photos of the inside of the unit upon move out as well as communication from the property manager upon move out! I advise you to remove this immediately as I will be speaking with a lawyer and you don't want your name to pop up in this case!

Thank you!
Product: Credit reporting

The Car Loan for XXXX Lincoln Navigator with XXXX XXXX was paid in full XX/XX/XXXX. XXXX will not dispute this. We recovered the vehicle before it was re-poed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Product: Debt collection

I requested that Midland Credit Management : 1. Validate the debts in question and provide all necessary documentation.

2. Cease reporting these accounts due to the inconsistencies in the amounts reported across different credit bureaus.

3. Cease the practice of changing the status of the debt in a misleading manner and further damaging my credit.

4. Remove any re-reported debts that were previously removed from my credit report. 
Midland Credit Management has continuously reported inaccurate information Midland Credit Management has not verified or validated this debt Midland has not sent me any documentation to prove they have a legal right to say I owe them this debt nor any documentation I requested.

Midland Credit Management has ignored all correspondence from me Midland has been changing the amounts of the debt by increasing and decreasing the balance every month which is illegal.

Midland has also changed these collections to chargeoffs and then changed them back to collections to further lower my score
Product: Debt collection

I once owned a timeshare with XXXX XXXX in XXXX Florida, due to COVID I explained I could not afford the property. They provided me with a lu-dod program which is paper work with my personal info agreeing to give back the property with the payment giving of XXXX $ I paid received the paperwork and I notarized the paperwork they received and dismissed the paperwork because the notary did stamp was above the signature line. Then they put a late payment on my credit report. Then they emailed it again I did the same notary and sent it again, its been 2 months since original date they received the lu dod paperwork XX/XX/2021. They are violating my consumer rights, and false late payments on my credit, 15USC 1681 under the exclusion section ( 2 ) A ( I ) I need this off of my credit as soon as possible please.
Product: Checking or savings account

I have had a checking with Ally Bank for a few months and recently opened a savings. I had an auto loan prior that I paid off. Because I was having payroll direct deposited for the loan, I decided to open a checking. Fast forward to XX/XX/23. I deposited a check drawn on Ally from a friend for {$250.00}. Later that day, my friend found out his account had been closed. I immediately called Ally and explained this to customer support. I also asked if I would pay a return check fee. The next day I received 2 emails stating my accounts had been restricted due to suspicious activity. My access to online banking was also turned off. I contacted the bank 's fraud department as instructed. I received no other information other than a senior analyst was working on it. I asked for a return call. Nothing. I called again last night and today XX/XX/23. Today I was told there's no guarantee the senior fraud analyst would call, but he would give them the message. I asked if there was a manager or someone I could complain to and I was offered a voice-mail. I said I want a real person and the response was, a real person will get the message and respond. Again, I got frustrated and hung up. At this point I want my accounts closed. The deposited amount of {$250.00} was in the account, although held. I understand this. What I don't agree with is the restriction of my account balances and no access to any information about when the restrictions will be lifted. I paid a loan on time monthly and paid it off early. This was my first mobile deposit. I did not know the account was closed at the time of deposit. I find it discriminatory to treat me like some criminal who is trying to rip off the bank. I work and my hard earned dollars are being held with no valid reason.
Product: Consumer Loan

at the time I voluntary gave car back .because I didnt have a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice from my credit monitoring service that a change took place on my credit report. I reviewed my credit report and found a hard inquiry from Capital One. It was not applied for by me, and I had had 4 other instances of identity theft happen in the last year and I even had placed a credit alert on my credit record. 

I called Capital One that day and many times over the next week, and no one could find the account ( I'm guessing since they denied to open it ). Soon, I received a letter in the mail declining opening the account, a Capital One Justice credit card. I called that day and told them it was fraudulent, and asked that they relay that it was fraudulent. However, I never received a written confirmation that they would mark it as fraud and notify the credit bureaus. 

I noticed it was still on my account on XX/XX/XXXX, and contacted Capital One through XXXX, asking for a call. I explained the situation again, and asked for a letter confirming it would be marked as fraudulent and to have it removed from my credit report. It is still on my credit report as of today, and I have still received no written confirmation. 

I have recently applied to refinance my student loans and I am concerned this will impact the rate I receive.
Product: Credit reporting or other personal consumer reports

The account in question was sent to 3rd party collections in XXXX XXXX XXXX XXXX and was dissolved, all credit reporting agencies have removed this account except Experian. This account needs to be removed immediately. XXXX XXXX loan account XXXX
Product: Bank account or service

BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my account.
Product: Payday loan, title loan, personal loan, or advance loan

Im having a hard time paying on this loan. I am also not making much progress paying the loan down. Even after multiple payments, my balance is still {$2000.00}. I am not making much progress. I am past due now and am really struggling to make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
U S DEPT OF EDXXXX Account # : XXXX XXXX DEPARTMENT OF EDU Account # : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX DEPTEDXXXXXXXX  Account # : XXXX XXXX U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXXXXXX XXXX Account # XXXX and Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX BRCLYSBANKDE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

My social security number was used by someone else in XXXX of 2014 to open this account
Product: Credit reporting

XXXX XXXX XXXX sent me to collections with the company XXXX. I disputed this because I had already paid and settled this balance with the original company, XXXX XXXX. The first dispute of # XXXX was completed and I was told I must still pay. I filed a second dispute # XXXX. On the of filing the second dispute, I had also called collector, XXXX to find out what had happened. They stated that they had sent this to Equifax as " deleted. '' Today, I checked on the status of my second dispute online and it showed a date of completion of XXXX but with no status or no results, nor did I receive a letter from equifax saying my investigation was complete. So then I called equifax and spoke with XXXX. XXXX and I contacted XXXX and spoke with XXXX XXXX at XXXX. XXXX informed us that this was deleted from my record on XXXX but will take 5-45 days to reflect that. I 'm filing a complaint my because this is not a reasonable amount of time and adversely affects me on something I paid at least a year ago. I 'm also writing to make sure this really gets removed from my credit report. In the digital age, this should n't take so long. Something needs to improve.
Product: Credit reporting or other personal consumer reports

fraudulent account on my credit profile from XXXX Opened XX/XX/2023 fraudulent inquries also on credit profile. XXXX XXXX XXXX XXXX XXXX XXXX, 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

On XX/XX/XXXX, | sent a request to CAPITAL ONE BANK USA NA to validate the account that was was opened on XX/XX/XXXX with a balance of {$620.00}. To this day CAPITAL ONE BANK USA NA has failed to answer my request as they are required by Federal law and I'm very concern because| believe this accounts was never late.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
Chapter XXXX V/N DISCOVER BANK  XXXX, DISCOVER BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND XXXX had a special, 0 % financing so I figured Id use that with an existing XXXX XXXX XXXX card that I had from when I got engaged. When I gave the saleswoman my information at the XXXX store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that XXXX XXXX has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Mortgage

Account Statements conflict with my records. My records show details which of a total of XXXX payments made during the XXXX months from XX/XX/XXXX thru XX/XX/XXXX. The XX/XX/XXXX payment also was not credited to the account according to Selene Finance LP records. The following payments have been tendered and are not reflected in the ** Account History**. Payments started in XXXX XXXX XXXX days in advance for the XXXX XXXX. Followed by a second payment in XXXX. This was done to preemptively address the systemic processing delays, account errors, and failure to provide timely account statements by Selene Finance LP and the predecessor XXXX XXXX XXXXXXXX XXXX
Product: Credit card

On XX/XX/2017, Syncrony Bank submitted a documentation to THE UNITED STATES BANKRUPTCY COURT FOR THE XXXX OF FLORIDA XXXX DIVISION IN VIOLATION OF FCRA, FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ... ... 15 USC 1692g ... ). I do not have any liability or any debt with the banking institution mentioned about. 
If the CFPB want to refer this case to any other federal agency or agency 's.
Product: Credit card or prepaid card

My TJX Rewards Mastercard account was closed by Synchrony Bank on XX/XX/2021. The company claims that I had added too many authorized users to my accounts. Upon speaking to a representative, I was told I was allowed 6 authorized users ( even though the page only allows five ). There is no public information telling me how many authorized users that can be added and I was in compliance either way.
Product: Money transfer, virtual currency, or money service

I tried to switch my account to my other phone and cash app closed my account. I still have money on my cash app card and can't get it off. They don't have real customer service, just a bunch of people working from home that never have any answers to rectify the situation. They even hung up in my face on two occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent the following Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the right to privacy.

15 U.S.C 1681 Section Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

After PHH representatives duped the homeowner into signing a FHA partial claim trial plan and ending the forebearance 1 month earlier ( XXXX CFPB complaint ). The trail plan was supposed to offer a modification of mortgage amounts and allow the homeowner forebearance relief and to lower the mortgage. The homeowner satisfied the trial payments earlier to avoid repeated problems with PHH as of XX/XX/XXXX. All XXXX XXXX  partial claim trial plan payments paid for XXXX XXXX XXXX. Therefore, leaving the homeowner only behind for the XXXX forebearance payments of {$1600.00}, totaling {$4900.00}. On XX/XX/XXXX, PHH sent out an approval notice for Partial Claim Mortgage and Promissory note for XXXX to be signed and returned before XX/XX/XXXX. The homeowner has reached out to PHH for more clarification and details of the promissoy amount and claim mortgage details. PHH reps were unable to provide those details. Back in XXXX of XXXX the homeowner asked for a mortgage modification to lower the mortgage as he was unable to pay. Awaiting Account XXXX explanation of what the XXXX promissory consists of and the details. None of which was explained in the correspondence sent with the promissory note. Without these details and specifics, the documents will not be confirmed until details are provided. Just trying understand how XXXX is turned into a XXXX, which also was not explained to the homeowner. XXXX XXXX was told a modification would be done to help with the higher payments.
Product: Debt collection

I was called mcm and asked about if I was going to pay, I told them I dont have XXXX near me and I dont shop st this store never have never will, plus I was in the hospital same dates as this card was used in XXXX XXXX and XXXX ks I live 2 hours away from these places
Product: Credit reporting, credit repair services, or other personal consumer reports

There are FRAUDULENT items on my credit report ( XXXX XXXX XXXX, XXXX XXXX XXXX ). I do not have any idea regarding these fraudulent accounts on my credit report. I am submitting a complaint regarding this fraudulent items and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking you to adjust this suspicious data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file.

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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