23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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

An unknown medical collection was reported on my credit files. I mailed a dispute letter to the bureaus on XX/XX/2020, it was deleted off XXXX  and XXXX. But Equifax validated the collection as accurate. I then mailed a method of verification request to Equifax on XX/XX/2020 asking about the method of verification. Equifax never responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act all information must report accurate. Concerning my XXXX XXXX  account my current balance and credit usage % is not reporting accurate by Experian. On XX/XX/2021 my balance was reported {$75.00} and credit usage 8 %. Experian is now reporting XX/XX/2021 balance XXXX and usage 101 %. I am requesting immediate balance and usage update. My credit score is not reporting accurate because of this inaccuracy.
Product: Checking or savings account

Well Fargo enrolled me in an accidental death insurance with out my authorization for 130 months from XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Sentry Credit INC XXXX, WA. This company bought my outstanding loan from CREDIT BUREAUS which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.
Product: Payday loan, title loan, or personal loan

There is a company that contacted me, advising they were capital one finance and that I was approved for a loan, text my cell # and advised to call back. Upon calling the XXXX to inquire about this so called {$10000.00} approval, the foreign sounding over seas gentlemen had my last four of ssn #, address, date of birth and checking information, which is scary. Stated that he was from Capital one and asked a few questions then advised I was approved and the money would be deposited into my checking account, I started to feel leery and begin to probe, and ask for the loan documents to be emailed to me for review and signature. I received a generic email from XXXX XXXX he used a XXXX account- first red flag and the document which I have a copy, is illegally using capital one logos, however the other red flag since I used to work as a XXXX XXXX in the XXXX  industry is that it did not address my name, only Hello, it did not list the agreed upon amount and the breakdown was generic, which is violating the TILA as all terms should be clearly stated, which led me to believe fraud, also they list a senior loan officer but underneath his name is a payday advance company then it shows a finance partner of capital one, yet all the pages on the pdf document is illegally using capital one logo, which I have a credit card and checking XXXX so I am very familiar with capital ones letters and ect. This is scary because they have all identifying and monetary information and I was just lucky enough to identify a scam, but I am sure they have damaged other people and possibly committed monetary fraud on their accounts,
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is not accurate, l 've tried to reach out to the company via call and email with no response. I have also contacted the debt collector who spoke directly with the company themselves however the issue hasn't been resolved. The balance they say I owe is about {$6000.00} which is incorrect & not truthful. The company is attempting to charge me for many things I didn't receive or purchase and now are saying I owe money which is bringing my credit score down.
Product: Mortgage

As detailed in the attachment, HSBC wrongfully foreclosed on my house, then apologized and vacated it. 
HSBC failed to have the resulting derogatory records removed from my credit reports causing a significant drop in my credit score, and this resulted in the denial of my application to another institution to refinance my home when the rates were at 2.5 %.
Product: Credit reporting or other personal consumer reports

Dear XXXX ; I was shocked when I reviewed my credit report and found late payment on XXXX XXXX XXXX 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.
Product: Debt collection

Today    XXXX   XXXX   XXXX     I received a call from  XXXX . They asked for  XXXX   XXXX  and I said ( without thinking, he is my father ). The person then said this phone call is recorded and then hung up. I  may have a sked what this was about. I do n't exactly recall. I called the number back and found it is from  Diversified Consultants in    XXXX  WA. Given that my father is  XXXX  I wanted to know if this outfit is scamming him or hounding him. Given what I know of these types of companies I want to ensure that they don not take advantage of him or bother him. Also I did not try to talk to them because there have been outfits like this that will not divulge anything to me.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify XXXX and Equifax credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Credit card

They closed my credit card after disputing a charge and they close it harassing me daily
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 card

UMB Banks acquired the XXXX XXXX credit card accounts in XXXX from XXXX XXXX XXXX XXXX. I was not notified of this change. When trying to electronically submit my monthly payment to XXXX I would get errors the account did not exist. I was able to find out the account was then owned by UMB Bank. I attempted to set the account up electronically but was told I could not because the account was delinquent. I was told that electronic payments could be set up once the account was current. By this time the account was several months late. I have never received a monthly statement since UMB took over the account. I was able to make phone payments through UMB collections department over several months until the account was finally current on XX/XX/XXXX. At that time I was told that monthly statements could only be mailed. I have not received a monthly statement. The first week of XX/XX/XXXX I contacted UMB via email provided on their customer support site requesting a statement. I did not receive a response within 2 business days as listed on the website. On XX/XX/XXXX I again received a phone call from UMB collections about my past due bill. I asked to enroll in online statements and was told I could not because my credit card was revoked. I feel UMB bank is using all these excuses to keep my account delinquent due to my desire to pay the account and past history of paying off large late fees in order to get the account current. I feel my account is being held hostage to rack up late fees and charges. Please help. UMB has recorded phone calls from me in regards to this account dating back to the first of the year XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, and XXXX quick recover has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I bought a western union money order from XXXX for XXXX dollars. I gave it to my new landlord on XX/XX/XXXX. On XX/XX/XXXX he told me the money order wasnt accepted by their bank or that it was a bad money order. Im unsure of those specific details. 

I call to see the status of the money order and it says it was cashed on. I was advised by the landlord to submit a claim. I have both the money order receipt, and the receipt from purchase. 

On XX/XX/XXXX I try to submit a money order refund. Western unions website gave me endless captchas. Just a loop of captchas that no matter what just sends another one. I try again the next few days to the same issue. 


On XX/XX/XXXX i try again. This time it goes through and I get a email with a reference number. I call today on XX/XX/XXXX on a status for the money order. ( Initially stated it could take up to 30 days, but I just wanted some reassurance that everything was proceeding correctly as I havent received any updates ). 

I was advised by one individual to submit another refund claim for a cash pick up. Since it would take 1-3 days. Another Individual said since it was cashed on I cant submit a refund request and instead have to print off some form, get it notarized. And send XXXX dollars with it in the mail. 

Im totally frustrated, and unimpressed by their service. No one seems to be able to tell me anything regarding where it was cashed without me having to pay XXXX dollars and wait XXXX  amount of time for a photo copy eXXXX XXXX XXXX XXXX of even how to proceed with this. What to tell my landlord. I work XXXX hour days and the last thing I want to do is spend more time dealing with this in my free time. Where Im just not receiving clear information etc. 

I feel like Ive been cheated out of XXXX dollars and that its creating a poor tenant/ landlord relationship. I just want answers and to resolve this issue with ease.
Product: Debt collection

There is a collection XXXX company that claims I owe a past due debt to XXXX however this was reported by another company CONVERGENT SOLUTION of which removed it from my credit report with XXXX on XXXX XXXX 2015. XXXX does n't have any contact information on XXXX.
Product: Debt collection

I was a victim of identity theft and this card was opened in my name without my knowledge. I have asked for proof that i have ownership of account and was not given such. Please delete off credit report as i have no knowledge of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX failed you work with me when I had card theft issues and ended up with a negative balance I couldnt afford to pay off at the time. I stipulated with them I would not be paying the overuse balance as my card had been stolen. They claimed the charges were valid and thus fast track a while into the future and on my Transunion Credit Report I was hit with a collection from XXXX XXXX XXXX a debt collection agency whom opened the collections account on XX/XX/XXXX to the tune of {$850.00}. This ended up remaining on my report and after two years of attempting to resolve the situation I find on XX/XX/XXXX a duplicate account to the tune of an eerily similar {$840.00} had been added to the defaulted accounts and debt holdings section of my credit report. 
I filed a dispute shortly after via Transunion for the XXXX XXXX XXXX duplicate account. They came to the conclusion somehow that in fact this meets FCRA requirements. Which to my kkowledgeI understand that a debt may somehow be sold from one debt consolidation company to the next over a period of time. But I only ever had one account with the original creditor and this only one debt account can be established for said debt. Not only has this been negatively impacting my credit score to the tune of around 20 points or so but if Im not mistaken ; under the fair debt collection laws it is illegal for this XXXX XXXX XXXX to keep reporting a disputed claim and somehow legitimize it to Transunion when there is literally two duplicate accounts for one original debt. I have done all I can to get this duplicate negative account mark removed to no avail. Please help me or provide me the information I need on where or how I may fix this problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX  CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} XXXX Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) Portfolio RC Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) Sunrise Credit Service Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX   XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that  XXXX , Transunion,  XXXX  remove a judgment  XXXX  on my cr edit report, whereby this judgment has since been paid and it was vacated in Maryland ( courthouse ).  However, as of  XXXX .2017, this judgment still remains on my credit report. I made a second request to  XXXX , Transunion,  XXXX  on  XXXX .2017, requesting that the credit reporting agencies remove this item.
Product: Credit reporting or other personal consumer reports

In contempt of several attempt the following items still appeared in my credit file, the fact, I had disputed them already a month ago. I've submitted previous complaints also with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by credit agencies. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to removed the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Consequently, I am seeking for your immediate assistance to solve this issue right away. I need the following items to removed by the credit bureaus immediately from my report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Purchased item from XXXX, charged it to AMEXPRESS, item shrunk fell apart asked XXXX for return, authorization given, asked for return label, SUBCONTRACTED SERVICE ON XXXX, BASED IN XXXX, FAILED TO PROVIDE PRINTABLE RETURN LABEL! Provided XXXX krix-kracks, attached to the package and deposited at US POSTAL XXXX into UPS designated XXXX cart!! Received temporary credit which was taken back 45 days later. No longer have the defective product, AMEXPRESS charging me {$37.00} with interest!! XXXX service has been interfering into XXXX  business issues and failed to provid proper business instruments. AMEXPRESS MUST PROVIDE CREDIT FOR RETURNED ITEMS WHERE SELLER HAD FAILED TO PRIVED PROPER MEANS FOR RETURN!!
Product: Student loan

I have/had all my student loans through Sallie Mae then later on became NAVIENT. I called and told the lender ( NAVENT ) that I was unemployed. I asked them several times to put my loans in deferment/Forbearance but NAVIENT chose not to do it. NAVIENT claims they sent me information which I did NOT received none. NAVIENT defaulted my loans and sold them so they could get pay. I have tried to solve this problem directly with NAVIENT, the department of education Ombudsman Group without success. Despite the fact the Ombudsman Group claims to be an advocate and they help the borrower find a resolution, the Ombudsman Group took sides with NAVIENT and requested to speak with a supervisor since nothing was being done. I was assured my loans will be put on deferment and/or Forbearance since I was XXXX. Later on I found out my student loans were NEVER put of deferment/Forbearance but defaulted instead. My credit has been damaged and impacted severely, I can not even get candy on a loan. I need help resolving NAVIENT 'S negligence and failure to put my loans on deferment and/or forbearance status. I can not even consolidate the loans because they were defaulted and my credit score has been ruined. Please HELP
Product: Checking or savings account

On XX/XX/XXXX Chime bank notified me that via email/text that there was suspicious fraudulent activity on my account. This put my account on a lock or suspended. From that point forward I have sent numerous emails ( close to 10 ) and about 25-30 phones calls ( thats what it feels like ) and I have sent them everything they have asked for as far as verification of my identity. They even expedited my account to have this reviewed and in the end they say I need to way. Im sorry at this point its been 3 weeks of waiting. ALL of my savings/funds are in this account. About $ XXXX {$7000.00} is sitting in there and they want me to wait on their time. I have a life, a family, I need to pay bills AND EAT. I cant afford to sit around for whatever department for my money. This is sick and honestly inhumane to have this long hold on someone elses money. They dont respond to any emails and when I make posts on twitter they respond with XXXX there, thank you for your patience, we are still working on this case. Keep an eye out for a message from our Member Services. Its almost one month and on XXXX I saw many people having this issue and even one who waited over a year. I will not do this. The holidays are very close and I cant participate in ways that someone would like to. PLEASE HELP ME. Chime is so useless and can care less about their customers. Today is XX/XX/XXXX and Im still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was one of the people who may have had their identity stolen from the equifax security breach, which could negatively impact me over the foreseeable future. equifax is handling this situation very poorly. for example, though the breach happened 2 months ago, i was unaware of this until today. they are also still charging consumers to freeze their credit reports, despite confirming that i was in the 143m+ people whose data was taken. also, their website to check for impacts has a disclaimer, waiving your ability to be part of a lawsuit against them due to this data breach. for a company who has so much impact on your life, they are very careless with data, and care very little about the end consumer.
Product: Credit reporting or other personal consumer reports

: Formal Dispute and Demand for Cancellation of Student Loan Due to Illegal Access of Personal Information illegal access by DOGE ( XXXX XXXX  )
Product: Debt collection

On XX/XX/XXXX, a payment for my Upstart loan was due. While XXXX I encountered difficulties processing this payment, and on XX/XX/XXXX, I sent a formal email invoking my FDCPA rights, instructing Upstart to direct all future communications exclusively to my attorney. Despite this clear directive, Upstart continued to contact me directly via email and XXXX and on XX/XX/XXXX, I received additional communications that disregarded my instructions ( attached, I am including my communication with Upstart, and at least eight different communications sent to me directly clearly labeled as attempts to collect debt ). Moreover, Upstart reported negative information about my account to the credit bureaus, which resulted in several credit applications being rejectedfor instance, my XXXX XXXX checking account application was denied. All loans with Upstart have now been paid in full as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I had my data shared in several data breaches as well as my purse with my ID and social security card was stolen. Police report was filed, Lady was on camera and nothing has been done to protect me or my accounts.