23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been dealing with synchrony bank for a year. During a home loan a sewing and more card showed up on credit. I was going to be denied for mortgage so I had to pay it and report it fraudulent. They have taken a lot of the money off due to fees but still owe me XXXX and will not give it back. They keep telling me different stories and finally told me no. It's started as a card called XXXX something and that's the original number that's on the following page. It is XXXX. They sent me another card and account number after I reported it fraudulent. Not sure why but this is the other account number XXXX. I had positive balance of XXXX then they took fees out of that abd got it down to XXXX. I want all money I paid out as well as compensation for all my troubles. I've lost XXXX in work worried and communicating back and forth over MY MONEY. I've talked with XXXX lawyers and they assured me they could get money back plus some but this would be faster. They also have in XXXX on my statement that they sent me a check its posted as " customer settlement '' in XXXX for XXXX but never sent it out. They are trying to keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} WFDS XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$650.00} XXXX  XXXX 'XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not have adequate security in place, and leaked my SSN and now they want me to pay for their service to prevent identity theft that they made  possible.
Product: Debt collection

I have not heard from this collection company about this issue and I have not been able to resolve this. I ca n't get them to contact me after inquiries to their website. 
If I ca n't contact them, I ca n't resolve this issue. 

Franklin Collections is damaging my credit.
Product: Debt collection

I have a feeling it has to do whit my current id theft case although they refuse to disclose and continue to harass me at my workplace
Product: Debt collection

I am trying to clear up a debt owed by myself for a  XXXX   XXXX  from  XXXX  ; wherein at that time I was in   XXXX   ; I never had a  XXXX   bill  and have just recently been released from  XXXX  on  XXXX   XXXX ,   XXXX  . I have tried to clear the matter up with both  XXXX  and the  Enhanced Recovery Corp ;   and after speaking with  XXXX   XXXX  and opening up a fraud report #  XXXX , still I am not able to have the issue cleared up. I do n't understand h ow one person  in  XXXX  could even be held responsible for a debt? Could you please contact me as soon as possible to try and clear this issue up?
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Midland Funding. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX  regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXXXXXX have resulted in undue harm to my financial reputation and stability. Account : XXXX XXXX Account # : XXXX Balance Owed : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] XXXX - XXXX On, or about XX/XX/XXXX, XXXX was ACTIVELY advertising, as usual, their so-called " XXXX Credit Card " with a {$150.00} incentive. At that moment, I chose to go to the APPLICATION page. After examining the page, I did fill in my name, and address fields, but, in second thought, I reneged, that is, I decided NOT to continue to fill in the questionaire, and I simply left the page, and, continued to search for an item for which I was seeking. I have been an active XXXX  REGISTERED SELLER, Since XXXX. As such, XXXX has my BIRTH NAME, ADDRESS, CITY, STATE, and postal Zip Code, and e-Mail address. 

A few days later, I received an ALERT from my Bank 's unit, XXXX XXXX, informing me that my CREDIT SCORE, had been DAMAGED, from an ILLEGAL HARD PULL, by an organization, known as, XXXX XXXX, in XXXX, CONNECTICUT. I have searched for as address on this perpetrator,, but, in spite iof the fact that they a have a downloadable, 40 + page Public Relations gimmick, they have apparently gone to extraordinary lengths to hide their physical address from consumers. 

THEIR HARD PULL, on my Credit Bureau, had damaged my CREDIT, by lowering my score, two points. I am working very hard, to repair my Credit Score, as I had serious health issues, in XXXX, and those debt, left me bereft of a good credit score. 
I DID NOT APPLY, for a ANY LINE OF CREDIT As such, I wish to politely request a FULL AND COMPLETE INESTIGATION, and a DEMAND FOR REPAIR, and a FORMAL LETTER OF APOLOGY FROM XXXX XXXX. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX, OK XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting and XXXX  account # XXXX, Account Name : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

At XXXXXXXX XXXX I picked up a phone call from XXXX ( XXXX ) XXXX. The lady said someone used my identity on a bank account doing some crime activity. If I do not coordinate then I will need to go into jail. Then the lady provided website to prove her number is legit. Then another guy called with XXXX police number XXXX and threaten me and sent me Arrest Warrant. I had no choise but follow the instruction to avoid the arrest. I went to XXXX and XXXX to buy 16 gift cards in total of {$7900.00} worth. They asked me to send it over to them by phone. Then they gather my information then tell me to send them more gi card. Around XXXX I realized I need to make sure if those people are legit so I called my work superoir to help me call XXXX police. Then the police officer told me to stop talk to them and called me. 

First action I did is to call my credit card company ( American Express ) to cancel the payment but they are not able to even I was the victim who got scanned.
Product: Checking or savings account

I still not got my Federal refund yet. They said they never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a list of hard Inquiries that I have no knowlege of : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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 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

Hello, In accordance with the Fair Credit Reporting Act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Please remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send over couple FTC report for those hard unauthorized credit Inquiries.. consumer/ fraud department keeping say they were remove upon check noting have been remove for couple months. The XXXX gave me XXXX confirmation # XXXX
Product: Credit card

Dear PayPal Credit Executive Office, Someone has tried to call again, and I'm in the XXXX  being treated, in and out of XXXX. I would like to know if this is resolved once and for all. I never even wanted the PayPal credit account and was talked into it, and it has been nothing but trouble and fraud after fraud. The email and bank accounts keep getting altered. I have removed all that information now, so it can no longer be accessed while I rectify this identity theft mess. This PayPal credit balance and account do not currently belong to me. It shows an alnico of {$120000.00}, which needs to be removed, and the total account is closed. I want my regular PayPal account open as I have had it for numerous years and never had trouble with this before.

Thank you for your help and time.

I have already sent in multiple dispute letters as instructed, and it has been well over 30 days, but it still needs to be handled. I want this resolved and updated without any more delay. This seems wrong. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account XXXX and XXXX XXXX Account number XXXX have 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 a account without my written instructions See below for account reporting information on three credit reporting agencies : XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX number ( XXXX ) XXXX XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX Transunion XXXX XXXX Account number XXXX Account status Open Date XXXX XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting

I would like to report a women that has stolen my identity and continues too use my i to get apartments and houses in my name Ive never stayed in XXXX. 
here are the add. XXXX XXXX XXXX XXXX Fl XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX FlThis is ridiculous that these apartment complex are not asking for proof of income to prove furthermore the identity of the person as well clearly look at the picture and see that its not the right person. I am furious and she has cause me many sleepless night I would like to press chatrges
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am having a problem with a debt collection company which I have previously disputed but which has not assisted me nor provided the documentation to sufficiently verify debt to me. The company is Midland Funding and while they mark account meets FCRA requirements they have actually not met the requirement because they have never responded to my inquiries. I am asking this organization to help mediate this matter and provide the oversight that Midland Funding so obviously lacks. 
The account held by them in unknown to me.
Product: Debt collection

XXXX continues to allow lvnv funding to reporting an 2 open collections on exempt funds violate the Exempt income protection act an account that is exempt from debt collection should not be reporting an open account or any account this is considered continuous collection on exempt funds and must be deleted at once
Product: Credit reporting or other personal consumer reports

UPON ME PULLING MY CREDIT REPORT I NOTICE A LATE PAYMENT ON DISCOVER CARD.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian & XXXX was asked on several occasions in complaints filed to this system to PROVIDE THE NAME AND CONTACT INFO OF THE VENDOR REPORTING THE BANKRUPTCY to my Experian & XXXX credit file. I would like to challenge the accuracy of that report. If the vendor is XXXX, they are not reporting this item to Experian & XXXX. Unless Experian & XXXX provides proof that the vendor is reporting the item after this request for verification, it should be immediately removed as per FCRA. If not simply let me know in response to this complaint and this date ...
Product: Debt collection

Please stop calling my relatives and friends about my student loans. I need them combined and help with them. I was granted forbearance and they still said I was late in 2018 and are ruining my credit. I need all the old accounts off!! They are 20+ years old, I need the 3 that have balances to be combined. I need help paying them off, Covid hit my family hard and I can not afford to pay them.
Product: Credit reporting

Equifax shows public records that I had Federal and Hawaii tax liens fied on XX/XX/XXXX These liens were the result of my incorrectly filing returns ( missing information ). The state lien was filed automatically becuse of the Federal lien. After contacting the IRS and filing an ammended return from XXXX, it was determined that no tax or penalty was due and the " bottom line '' on XXXX returns was correct - {$0.00} tax and/or penalties due. The IRS released their lien on XX/XX/XXXX. I was in contact with the XXXX tax office ( from XXXX ) and sent a check to cover the expense of releasing the lien. After talking to them today, I discovered they had sent me some additional information by mail ( not to my residence ) that I never received. The result was that the Hawaii Tax lien was n't released until XX/XX/XXXX. 

After being denied credit because of " derogatory information '' in public records, I obtained this information in XX/XX/XXXX. However, this derogatory information - tax liens - were for taxes that were never owed, and still remain on my credit reports. The tax agency says it only releases the liens after being paid a recording fee, etc. and I never responded to the mail that I never received. So, I am paying more for credit because of the liens that never should have been filed, and there is no way to remove them from my credit report. I believe these liens should be removed from my credit report because I never owed any debts, additional taxes or penalties. But the credit agencies keep this derogatory information on my record for XXXX years. I request that these leins be immediately removed because, they are there to alert credit providers of records of not paying owed debts. There were never any late payments made or due. There are no other derogatory items in my credit report, so it is not fair to continue to penalize me until XX/XX/XXXX for a lien that should have been removed and not only " released. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service was very unhelpful and refused to delete an unauthorized inquiry on my credit report. 

Inquiry : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX were all on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX, that i sent a on ( XX/XX/2022 ) to Investigate the Innacurate Accounts : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; .According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Debt collection

1 ) The document attached does not in any way describe who this debt was originally owed to ( XXXX ) that it is my debt other than an electronic signature ( I have multiple BANK ACCOUNTS and email addresses compromised due to identity theft which I signed an affidavit for and sent to this company ) or anything whatsoever about this debt except that it was owed to Affirm, who I fought for 9 months over it before they charged it off. 
This is ironic that they wrote all of this XXXX on a Truth in Lending Disclosure considering it is such a massive violation of TILA. 

2 ) As you can see on the other document, this debt was PAID BACK by XXXX on XX/XX/2023. 5 days before this letter, in which they claim that I took this debt on. Which they have investigated now 9 times, including at the demand of XXXX, and haven't notice that the MONEY IS IN XXXX BANK ACCOUNT WHERE IT CAME FROM. They literally sent this on XXXX letter head. This is the XXXX mafia! 

I've been fighting XXXX who has clearly not been doing any sort of investigation on debts that were charged to my account by an identity thief last year. 

While fighting this, and reporting it several times to you, I was able to assist a couple of the companies in providing XXXX with proof that either there was no sale at all, or that money had been returned to them months and months prior. 

I provided all of this to affirm several times, they claimed to open an investigation, missed the fact that the money was in THEIR account, and continued reporting this as my debt. Until they charged it off and sold it to collections. 

When I say " it '' I actually mean that XXXX broke their OWN terms of service, and opened 6 accounts for me, which a consumer can not even do. They then charged all 6 as if they are separate accounts, all held by me and in default. Now this collection agency has purchased all 6 of them. 

Before they did, I have a subscription to XXXX XXXX, and we sat and called all of the things that I claim are not my debts to verify what is going on, on a 3 way conference call. 
Myself, XXXX XXXX ( restoration specialist ), and the creditors. After sufficiently proving that what I am saying is the truth, XXXX volunteered all of her phone records to be subpeoinad should I need/want to file lawsuits, and opened an identity theft insurance claim. 

I provided all of this to " TrueAccord '' who appear to also have not looked at any of it as they just emailed me that they are ruling against me. Instead of responding with any proof or anything at all to substantiate the fact that this is my debt, in counter to all of the evidence that I have given them that it isnt.