23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never received anything from XXXX XXXX XXXX apartments. Now I see Transworld Systems is reporting this issue on my credit file. I did a dispute to the credit bureaus and a direct letter to Transworld Systems asking for validation. The bureaus mailed me that Transworld verified as accurate, but no response from Transworld. 

I asked for validation of the {$2800.00} current balance amount. An itemized statement showing all charges and fees. The date when I vacated the apartment. A list of any damages. 

Plus according to Ky. Rev. Stat. Ann. 383.670, I would like to know what steps were taken to re-rent the unit to limit my exposure to additional rent costs?
Product: Debt collection

I receive multiple calls several times a day every single day about my debt, yet I have not received any verification of debt in writing. I am harassed by these people.
Product: Credit reporting or other personal consumer reports

MF  information was sold and brought 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 the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my Equifax credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 2018, I tried to add my TD Bank account to XXXX in order to make purchases. When I logged into my account, XXXX notified me that " TD Bank is blocking you from enabling external applications. You have the right to access your financial data. Encourage TD Bank to fix this problem by contacting them. '' I have yet to contact the company directly, because various blogs and threads online have described negative experiences, thus I decided to follow one of XXXX 's three suggestions ( XXXX and calling TD Bank as the other two ) and file a complaint with the CFPB. Hopefully this issue can be remedied swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my affidavit to the three credit bureaus that is enclosed with this complaint. I contacted Transunion and XXXX  Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after providing police dept and filing a police report and identity theft affidavit. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with XXXX XXXX, Defamation of character. They claim the collection agency verified this fraudulent account yet i never received anything from the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX XXXX XXXX Bank at XXXX XXXX and writing them at their address at XXXX XXXX XXXX XXXX XXXX Utah XXXX ) about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was opened fraudulently. This has already been removed deleted as it has shown it was fraudulent off of my XXXX report I would like for this to be forwarded to Equifax so that this can be removed from my Equifax consumer report as it was opened fraudulently
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXXccount number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : XXXX. XXXX  account number : XXXX Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My dob XX/XX/XXXX, not XX/XX/XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address
Product: Credit reporting or other personal consumer reports

I sent a dispute to all 3 Credit reporting agencies ( XXXX, XXXX, XXXX ) saying my personal information listed on their reports were wrong. The did not update any of the information. The only correct information that any of the 3 agencies had been : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX All other information listed was incorrect or not accurate and I wish to have them deleted : All other Names All other Addresses Employers Mother 's Maiden Name The only information that was accurate is what I stated above.
Product: Mortgage

My problems with my lender are so compiled. In XXXX I refinanced with Countrywide and I set up an escrow impound account. In XXXX I received notice I was in Tax Default for taxes not paid XXXX. I called my lender ( Bank of America ) and the gentleman on the phone in the escrow dept. Informed me that they used my impounds to pay a different parcel and that had to increase my mortgage pmt by $ 200+ mo to make up for their error ( for the next 12 mos. ). My mortgage payment on my note is {$1700.00} the payment now incl. Impounds {$2300.00}. My taxes {$3900.00} yr. My insurance {$780.00} yr. So since XXXX My lender ( COUNTRYWIDE, BANK OF AMERICA, XXXX, XXXX AND XXXX MORE TRANSFER I CANT REMEMBER ) has been comp letely mishandling my impounds, they refuse to work or even talk to me. They are harassing me about forclosure because I told them that until this is straightened out I will not be throwing more money away. This is out of control. With all of the penalties, late charges, interest and so on my calculations on this piece alone ( there are several more problems ) appear that I am owed close to {$60000.00}. I have been ripped off. Misled and Im spoken to in an awful tone. I will not throw not XXXX cent more to these vicious thieves. They will not touch my property. THIS IS WAR!!!!!
Product: Credit card or prepaid card

Well XX/XX/2022 I made arrangements with Discover credit card companies to pay dwn my owed balances I made a payment for XXXX dollars I was put on a payment plan to pay dwn the rest I decided to pay off the balance in full I amount due I believe it to be XXXX I attempted to pay it in full they accepted the funds sent me a check saying I overpaid by XXXX dollars they then didnt accept my payment sent my money back to me I received a new statement in the mail saying I still owed the balance I spoke with them to find out what happened they couldnt tell me what happened I then paid them again since the payment went through this time they posted my credit report late it shouldnt be reported late I paid the balance in full technically its not late at that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX DPT EDXXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Navy Federal Credit Union advertised XXXX XXXX XXXX used car loan. I applied and the Banks response was a XXXX % loan offer based on a XXXX Score XXXX XXXX dated XXXX. I knew that was incorrect and immediately called Navy Federal Consumer Loan Dept- nothing we can do as its computer generated. I immediately requested my Credit Report from all 3 companies. XXXX reported XXXX XXXX, one day after I received the score from Navy Federal. Incidentally, XXXX reported XXXX and XXXX XXXX on the same day XXXX. I have the documents. 
I spoke to my local Navy Federal Branch Manager XXXX about the discrepancy. Nothing they can do after she called the Navy Federal Consumer Loan Department. 
This is a classic example of a Bait and Switch, which legally is Fraud.

The Algorithm in the Navy Federal Credit System must have been manipulated to provide lower scores. This must of come from the highest levels of the company. 
I cashed out and closed my account. An investigation needs to be conducted.
Product: Credit card

Asked about the late fee on the account to be waived. Said they couldn't waive because they only waive a late fee every 12 months. The late fee is XXXX the first time, and if late again in the next 6 months it goes up to XXXX. I told them it was a mistake on my part for not getting it on time, not that it couldn't be paid. I tried twice with two different reps and they said they couldn't help. They gave me the link to look at the credit card aggreement. I just thought that a law was passed on XX/XX/XXXX signed by the president to lower the late fees to XXXX? If that is true, why are they charging so much?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Credit plus is showing as a hard inquiry on XXXX, XXXX, and XXXX. 
I've not applied for any credit or given any authorization. 
I've contacted credit plus and had no help in resolving. 
CREDIT PLUS Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX *I am working with a bank for a home loan, but I have a relationship with them already, and they said they don't need to pull my credit yet. They did not ask for authorization, permission, and didn't inform me. I haven't idea if this has to do with them. I spoke w/rep at bank, and she said she's never heard of them. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX XXXX has 11 accounts totaling of {$8000.00} on my credit report for my soon from XXXX my son had nj family care Medicaid at that time and I cant even check with Medicaid to confirm the dates because I have not had custody of my son they cant even speak to me. My son has been in his fathers custody. This information is on my credit report I attempted to solve this issue with XXXX and they told me to work it out with the father so he can help me pay the debt the father has a restraining order on me and I can not work anything out with him. I am disputing this and will get a lawyer if this is not removed. I will be filling a police report
Product: Student loan

I have reached out multiple times to Fed Loans Servicing to resolve my issue and have been unable to resolve any. I am filing a compliant because my loans were transferred by Fed Loans Servicing to default when I was making payments. I paid almost {$12000.00} in XXXX, to lower the cost of my loans. I was paying on my loans when XXXX were transferred to default XXXX and sent to a third party. 
I consolidated all of my loans in XXXX, I assumed all of loans were consolidated until I received a phone call from a collection agency stating that Fed Loans Servicing had transferred XXXX of my loans to them do to non payment. I received a phone call from Fed Loans admitting their mistake on my account and stating they would erase any negative reporting on my account. There was no record of the phone call on my account to inform other fed loan employees of the mistake made by Fed Loans. 
In XXXX 2016 the XXXX loans were added back to my Fed Loan account but my credit has been falsely negatively reported because of Fed Loan Servicing making a mistake. 
I have spoken numerous supervisors and have sent certified mail with my payment history twice and clearly my loans should have never been in default or sent to a third party. This has been a very unprofessional handling of my loans. I am asking for help, I do not know what else I can possibly do to resolve my issues with Fed Loans Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid XXXX XXXX with {$0.00} Balance account XXXX XXXX XXXX XXXX XXXX, showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any XXXX   XXXX. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and XXXX. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.
Product: Vehicle loan or lease

I know I am the consumer and original creditor and is protected by the Truth In Lending Act, Fair Credit Reporting Act, Fair Debt Collections Act, Equal Credit Opportunity Act to ensure accuracy and fairness. According to the federal law governed on credit In pursuant to 15 USC 1602 ( i ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a NATURAL person. Now if MidFirst Bank look in this federal statute, look at all definitions, MidFirst Bank is not going to see the words loan, or borrower because those do not apply to me the consumer and original creditor. The only thing I did was enter a consumer credit transaction in which the creditor was the seller which is me. In pursuant to 15 USC 1602f defines credit as granting the right by creditor, As I know am the original creditor I granted MidFirst Bank the right to extend my credit. I granted the right to extend my credit with my credit card which in pursuant to 15 USC 1602 ( l ) is defined and will prove my Social Security Card number is the card credit device existing for me to obtain money. On XXXX XXXX I did a consumer credit transaction, when attempting to extend my credit to MidFirst Bank, as I know am the original creditor in pursuant 15 USC 1602 ( g ), for MidFirst Bank to extend back to me, they denied me. As required MidFirst Bank sent averse action letter and an email. But the reason they put does not abide by the Truth In Lending Act in which MidFirst Bank honors. In pursuant to 15 USC 1681 ( a ) ( k ) - adverse action. No where does it mention denial of credit. Why is that? Dont you think under the laws governed on credit that it would mention credit under adverse action if can deny? Well it does not and that is because there is no denial of credit. Again I know am the consumer and the original creditor. How is MidFirst Bank original when there are multiple MidFirst Bank, its only one of m? Everything listed for denial are factors from a consumer report but not deciding factors. MidFirst Bank can not deny me an extension of my own credit. In pursuant to 15 USC 1611 MidFirst Bank are criminally liable for misrepresentations, giving false and inaccurate information and also failing to disclose accurate information. I spoke with XXXX a manager from MidFirst Bank in Oklahoma, he have me his direct number which is XXXX. He stated over a recorded line that he talked to MidFirst Bank attorneys and underwriters about violating my rights under 15 USC Chapter 41, and that even with given exhibits that MidFirst Bank do not care and will continue to do so. Now Im demanding MidFirst Bank approve me and extend my credit that I originally extended to MidFirst Bank back to me. Regardless of what MidFirst Bank have to say, they can not deny me of my credit. Otherwise show me the law that states it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX and Experian put fraudulent information on my credit report/history/score. I have never entered into any agreement with XXXX XXXX XXXX nor XXXX XXXX XXXX nor sought out any product or services from them. XXXX XXXX XXXX and XXXX XXXX XXXX fraudulently obtained my social security number and used it fraudulently.
Product: Credit card

I used my credit card to purchase XXXX XXXX XXXX XXXX size XXXX shoes from online vendor XXXX on XX/XX/2023, for {$220.00} through XXXX. After the purchase I immediately contacted my credit card company to rescind the purchase because I suspected fraud on the part of the vendor. This suspicion was based on other customers who complained online that the company never responded to their complaints after failing to receive purchased goods. My credit card company initially reversed my {$220.00} charge pending a fraud investigation. I followed up with the credit card company in writing on XX/XX/2023, that I never received the shoes, even though the vendor claimed to have delivered them to my residence via XXXX XXXX XXXX on XX/XX/XXXX. I learned about this so-called XXXX delivery not from the vendor but from the credit card company. The vendor never acknowledged receipt of my {$220.00} purchase via email, never sent me the XXXX tracking number, and I never received the tracking number from UPS even though I am a member of XXXX XXXX, which is supposed to deliver such notifications to me via text or email. I first received the tracking number from my credit card company more than a month after the package was supposedly delivered. When I tried to plug in the tracking number through the XXXX website, it wouldn't allow me to file a complaint about a missing package. In late XXXX my credit card company rejected my fraud claim for lack of evidence and posted the {$220.00} charge back on my card, even though I had also complained that I never received the shoes. So on XX/XX/2023, I wrote back to the credit card company demanding a full {$220.00} refund because I still had not received the shoes. I also emailed XXXX on XXXX, XXXXXXXX XXXX demanding a full refund and never got a response. In addition to the letters I sent I also had phone correspondence with the credit card company 's fraud department on XX/XX/XXXX and XX/XX/XXXX in which I complained about not receiving the shoes. Both calls to my knowledge were recorded. I am seeking a full {$220.00} refund because I never received the shoes I purchased.