23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX - XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I did in fact witness a wrongful attempt to collect funds in the amount of {$9000.00} on XXXX XXXX 2016. The Original creditor of this dispute is XXXX XXXX XXXX XXXX XXXX, which have been turned over to recent collection agency by the name of I.Q.Data International , Inc. Furthermore, I have never lived or signed a lease agreement in the state of California. This is simply a mistake or failure to identify the proper debtor.
Product: Credit reporting

When applying for a job I learned that there are XXXX unidentifiable Bankruptcies on my Experian credit report in XXXX 2014. XXXX is dismissed and the other is discharged. I have been disputing this with Experian and every month for the past 9 months ( XXXX times ) it comes back as verified. Finally called experian and they told me that have verified the information as correct. I asked them to call the courthouse. XXXX came back on the phone and said the number is busy. I asked her to verify the number which she said XXXX. The number is incorrect I advised her the correct number is XXXX. Which also led me to research the address Experian had for the courthouse on my credit file. The address Experian has is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is the XXXX XXXX not the courthouse. The correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I asked Experian how can the verify the Bankruptcy 's are mine with the incorrect information they have for the XXXX courthouse to be able to verify the accuracy as correct. They could not answer my questions. I have spoken to XXXX different employees. I as also rudely treated. I also noticed that the dates they have changed from month to month. I called the courthouse and spoke to XXXX. She said XXXX called and only asked for information on XXXX XXXX and gave docket number. The courthouse is not permitted to provide information on the social security numbers. Federal Bankruptcy Law Rule 1005 and Rule 9037 does not permit full social security numbers to be either given or provided to. Can verify with an address. The address the courthouse has is not my address nor has it ever been my address. Because of Experian Unlawful practices they are putting a tremendous hardship for myself and my family. I am unable to obtain gainful employment in the industry of been in for over 25 years. I am unable to obtain credit etc. They are breaking the law FCRA. If this is n't taken off my report I have an attorney ready to take my case which is cut and try. I have all supporting documents and a file XXXX feet high.
Product: Credit card

Macys did not reverse out my {$230.00} dispute Similar to cfpg XXXX
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX [ XXXX XXXX XXXX XXXX ] XXXX, GA XXXX XX/XX/year> To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. [ This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this is the 2nd time I have filed a complaint with you against Experian. I am a victim of identity thief. Someone used my identity. I sent Experian my complaint through the mail, along with my state identification and social security card. I also sent a police report along with a copy of my FTC report. I mailed these documents certified mail, only to get a response from Experian stating they think it was a mistake, that the documents were sent in error. I filed disputes again online and now Im here filing a complaint against them again. I just filed the same complaint only to have Experian say once more that they do not believe I am making these complaints. I enclosed a piece of mail I received that one of the creditors in my dispute sent to me.
Product: Student loan

In XXXX I took out a private loan for XXXX XXXX XXXX ( now closed ) ; In XXXX I graduated XXXX. I was unable to find gainful employment for several years. When my forbearance was expired, I asked XXXX XXXX for help. I did not have the money or the cosigner for their only offer for assistance. Today I have a default judgement. I have tried to talk to XXXX/navient many, many times. They tell me to talk to the attorneys. I tried to make a settlement offer with the attorneys two separate times ; they ignore me. I am being charged {$100000.00}, I have already been garnished almost {$25000.00}. I am told I have to pay upwards of {$120000.00} for an education that cost less than {$50000.00} and took me over 10 years of hard work to make at least $ XXXX/year. No one will talk to me. This is extortion
Product: Vehicle loan or lease

A Santander Consumer account that was open in XXXX XXXX and closed due to repossession in XXXX XXXX is reporting inaccurate information, high balance, balance due, payment history and reason account was closed. I have requested through them and the credit bureau to please remove account due to inaccurate information and nothing has been done.
Product: Debt collection

XXXX XXXX consistently has inaccurate bills. This is at least the fourth time I have been harassed by this company. Now they referred me to a collection agency! This bill was paid timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX have been disputed numerous times and they continue to remain on my credit report. I mailed EXPERIAN the Police report and called disputed numerous times and nothing has been done!
Product: Mortgage

I AM A SENIOR CITIZEN IN XXXX XXXX, NV, WHO IS XXXX   AND SEMI RETIRED. FCI LENDER SERVICES TOLD ME ON XX/XX/XXXX THEY WOULD NOT ALLOW ANY OF MY PAYMENTS TO BE DEFERRED IN ACCORDANCE WITH THE " CARES ACT ''. A REPRESENTATIVE FROM FCI CALLED ME ON XX/XX/XXXX IN REGARDS TO MY INQUIRY ABOUT DEFERRING MY PAYMENTS FOR AT LEAST 90 DAYS DUE TO COVID 19, AND THE FACT XXXX XXXX IS SHUT DOWN. I WAS TOLD THEY HAVE NO PLANS TO COOPERATE WITH COVID 19 CONSUMERS AND THAT I MUST MAKE MY PAYMENTS OR SUFFER A POSSIBLE FORECLOSURE IF I DO NOT CONTINUE TO MAKE PAYMENTS. MY PAYMENTS HAVE BEEN PAID UP TO XX/XX/2020 WHEN THE NEXT ONE IS DUE. I AM NOT BEHIND IN PAYMENTS AS OF THIS WRITING, BUT WILL BE AS OF XX/XX/XXXX. MY PAYMENT IS {$640.00} PER MONTH. I NEED AT LEAST A 90 PAYMENT FORBEARANCE BUT CAN NOT AFFORD TO PAY THEM A LUMP SUM AFTER 90 DAYS BUT WOULD ASK THEM TO ADD THE PAYMENTS TO THE END OF THE NOTE. THEY HAVE REFUSED TO EVEN GRANT A FORBEARANCE OF ANY TYPE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I took out a loan for {$2500.00} from XXXX XXXX while in need of cash for a life threatening emergency. ( if it were less than {$2500.00} this would not be legal from my research ) At the time, I was a resident of New York but living in California ( I provided them my NY license ). 

XXXX XXXX is licensed to make installment loans, however I can not find a copy of a license to operate out of Utah until XX/XX/XXXX. When the loan was made XX/XX/XXXX, they were licensed to make loans out of Ohio ( but not Utah ).

The 180 % interest loan was paid on time until I fell into another financial hardship. I was advised to reach out to the XXXX XXXX XXXX to help bring down the loan which they did. We had agreed to a settlement for 2 payments of {$400.00}. One payment was to be taken out of my account and I would be mailing the other payment before XX/XX/XXXX ( which I mailed and have documented ). The final check was never cashed by XXXX XXXX, which I did not know until a later date. 

My loan was then sold to National Credit Adjuster who greatly impacted and destroyed my credit. I have lost job offers as well as housing offers due to this unethical and predatory loan. I should have been paid to date and account closed. After numerous attempts to try and rectify this issue, XXXX XXXX has not returned phone calls or emails. I then went ahead and reopened the case with XXXX but XXXX XXXX has stated " Due to the sale of XXXX XXXX debt, XXXX XXXX does not have the authority to collect on this debt, and has not attempted to since the date of sale. He may address further questions regarding this account to NCA at : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX '' On XX/XX/XXXX I was notified ( by NCA ) that records showed I made XXXX payments which is inaccurate as bank statements will show. My credit report also has 2 conflicting charge offs ( one XXXX XXXX and the other National Credit Adjusters )
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information that is not mine see attach ftc violation police report enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for " too many inquires '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any   reason.
1.     XXXX   XXXX    XX/XX/XXXX  and  5/9/15  2.  XXXX   XX/XX/XXXX  3.   XXXX     XX/XX/XXXX  4.  XXXX   XXXX   XX/XX/XXXX  5.  XXXX   XX/XX/XXXX  6.  XXXX    XXXX   /i am currently waiting for the other 2 credit bureaus to respond to my request.
Product: Money transfer, virtual currency, or money service

Ok so on XX/XX/ I received my Federal refund check in my PayPal account on this same day I knew I had past due bills that needed to be paid at once so first I contacted the power company by phone talk to a representative ask to make a payment he took my information I gave him my debit card info to make this payment after he gave me a confirmation number over the phone and also through my email that's on file. Ok about I say the middle of XXXX I had received another bill asking for the same amount I just paid but on this bill it stated they received payment of XXXX on the next day which was XXXX XXXX but payment was refund back in my account on XXXX XXXX. But I never received this payment back. So proceed to go check my account but I didn't see where it had been taken out or put back in there was nothing. Let me also say I made another payment using this same payment method to another company which is for a Gas company it processed it also went through and no problems with that one but I went and look at the transaction on my account didn't find any statements or anything about that payment either so I contact PayPal they obviously couldn't tell me anything so I went and done some investigating myself. Now I have been using PayPal for about 3 years now when I made the account they had already given me an account number and routing number. I've never talk to anybody through a bank service ever using this app now when I called my power company back around the end of XXXX the only information they could give me at this time was my payment was made by ACH which it couldn't have because I never gave my routing number or account number to anybody by phone and I didn't manually put any information in on my own I have two people that was in my presence at time to verify this statement. The supervisor of the company went forth to say they had my last 4 digits of my account number and a routing number to the bank this information is for. I didn't contact the bank because PayPal assisted to tell me this bank only issued me the card so there was no need to contact them about the situation. Well I XXXX this routing number and it pulled up the bank. Plz contact me for I have much more on this issue and I need to find out what's going on please
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue of identity theft related to a student loan that has been fraudulently attributed to my name. Despite multiple attempts to resolve this matter, Sallie Mae has failed to provide the necessary proof of my signature or ownership of this loan. 

Since 2021, I first contacted Sallie Mae to dispute the debt which has been falsely added to my credit report. Since then, I have made repeated requests for documentation verifying my ownership of the loan. Sallie Mae has not provided any satisfactory evidence to prove that I signed for or own this student loan. 

The actions taken by Sallie Mae have had a profound impact on my credit and livelihood. The unwarranted debt has resulted in significant financial stress and has violated my rights. As such, I urgently request that Sallie Mae remove this fraudulent debt from my credit report immediately. 

Thank you for your prompt attention to this matter. Please confirm the removal of this debt and provide any additional steps required to resolve this situation. 

Sincerely, XXXX XXXX
Product: Credit card

From XXXX XXXX XX/XX/XXXX, I was out of the country and in XXXX XXXX Sometime during my trip or during my departure, I started receiving debit alert notifications on my discover card. I had my card in my possession but it seemed like someone was using my card information anyway in the XXXX. I called the bank to dispute all transactions between XX/XX/XXXX and XXXX when I returned. They started an investigation while temporarily crediting my account. I noticed on XX/XX/24 that the outstanding balance was still on my account and called discover on XX/XX/24. I was told that my claim was denied because I still had the card in my possession when the transactions were made and some of the transactions were from vendors Id used previously. I explained that some of these vendors, such as the XXXX XXXX XXXX XXXX are vendors most New Yorkers use, and that I couldnt explain either how a person was able to use my card information. However my being out of the country should raise enough awareness that I couldnt possibly have made transactions with my physical card in the XXXX. I was told that they would open another investigation with the same XXXX while the charge is left on my card and accrues interests that Id be responsible for if they determine again that I am responsible for the fraudulent charges.
Product: Debt collection

Unknown person was impersonating as a Speedy Cash employee and trying to collect money from me. 

This is how much they say I owe Speedy Cash and is demanding me to pay this amount. I know how much I borrowed from Speedy Cash and had called them directly to confirm my current loan and monthly payment. 

This person impersonating Speedy Cash is using a fake email to contact me. 

Pl share the Receipt of the payments ; we haven't received anything. 

As we see in the records, you still have {$1100.00} pending to get the full and final settlement done. 

Once paid you would get the Settlement closure letter for Fair Debt Collection Act UG- 17 ( B ) Get back to us ASAP.

When I don't respond back, they threaten me with lawsuits and wants to charge me for fraudulent charges. 

Speedy Cash confirmed with me that they don't have anyone contacting me and knows that my loan is still current and I don't owe them that high of amount.
Product: Debt collection

I was called by this company with an attempt to attempt the remaining balance for a vehicle i owed. I asked the balance of the car when it was sold and the refuse to provide that information. The company is reporting different balances on my credit reports.
Product: Debt collection

I have conducted due diligence and found no record of TRANSWORLD SYSTEMS having the required license to conduct debt collection activities in Alabama. 

Therefore, I am formally requesting that TRANSWORLD SYSTEMS provide documented evidence of the agency 's authorization to engage in debt collection in Alabama. This should include a copy of the agency 's current and valid license issued by the relevant state authority. If your agency is unable to furnish this documentation, I insist that you immediately cease all collection efforts related to the alleged debt and discontinue reporting to the CRA 's without my consent. 

Additionally, I remind you that debt collection activities without proper licensure are not only illegal but also a violation of consumer rights protected under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Failure to comply with these laws may lead to legal consequences.
Product: Bank account or service

I moved home to XXXX from the XXXX in XXXX 2014. Prior to leaving XXXX, a customer service officer at Wells Fargo cancelled my debit card linked to my account without my consent. By doing so, he restricted access to my funds both via using the debit card and through my online bank account. Fast forward to 3 years later after endless phones and writing letters including signed copies of my passport and all the requested information in order to verify me for security purposes, the bank refuses to give me access to my funds which have been sitting there since end of 2014 and statements of my bank account for the year of 2014 which has resulted in me unable to file my tax return on time. This has incurred a lot of penalties and charges. Their only solution has been to have me fly back to the XXXX at my own cost and come into a bank to resolve this face to face.