23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They've violated my FDCPA Rights by ruining my credit, defaming my character, fraudulently sharing my personal information, contacting my family members trying to get in touch with me, harassing me after advising them several times this isn't my debt, and going after the correct person who owes this money instead of wasting my time and resources having me back and forth in court as of XX/XX/XXXX, and again on XX/XX/XXXX. The amount they're trying to collect is {$2900.00}. Apparently, this loan was originated on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i disputed the below item with XXXX and investigation was conducted and on XX/XX/2024 XXXX deleted/removed from my report i have the proof attached to prove it directly from XXXX. today i reviewed my credit report and the account was re reported on my credit report. this is a violation of my fcra rights Remove this account from my report immediately.
Product: Consumer Loan

Security Finance of Oklahoma is a signature finance loan company. When I found myself unable to pay, I first began getting harassing calls making me feel threatened. I then had an employee from Security Finance come to my home and threatened that they would have me put in jail if I did n't pay my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was opened under my name with Oportun. I have contacted Oportun as well as the credit bureau XXXX  to make them aware of the issue and the account has not been removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called the bank because I was experiencing issues with making payments due to Covid. The associate and I discuss options and we agreed to a 12 month hardship program with payments coming out every two weeks. The payments were taking out of my bank account as expected. I would still get calls from the bank to collect but I would say I was on a hardship program and they would say the called in error. I was informed today, XXXX XXXX 2021 that I did not meet the criteria for the hardship program. I dont know how a company can do this. First the agreed to it. Second, they showed acceptance by withdrawing the money from my account but now they are saying I dont qualify and want to put me in a program that doesnt fit my need. I believe this is misleading and borderline fraud.
Product: Credit reporting or other personal consumer reports

I checked my credit report on date XX/XX/year>, and noticed my XXXX XXXX  account and my XXXX XXXX account indicated late payments for several months which was incorrect. I've tried to mail a letter directly to all 3 credit bureaus explaining this and was unsuccessful with getting this resolved.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX & XXXX XXXX ( Original Creditor : XXXX  XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Student loan

I 'm being harassed by an unknown department of education collector company, I am behind on my student loan for financial reasons in the past and am wanting to pay it back somehow, I 'm getting half of my check taking for back child support. Anyway, the number calling me is XXXX. I 've asked them to not call me in between XXXX - XXXX pacific due to the fact I am working in a law firm office setting and they have deliberately failed to do so and keep interrupting my work causing me to loose valuable time and inteferring with our law firm. I 've asked several times which is apparently recorded on thier system for proof of company by sending me info via email or post office. They have refused and now threatening to take money out of my check after I already agreed to pay a monthly payment as long as they prove who they are. The repeatedly ask for my credit card information and refuse to provide proof of what company they are or represent. They claim to be " Core Recoveries, LLC XXXX XXXX, KY phone number XXXX/Fax XXXX They emailed me once but the email was from some form of docusign with an attachement of this company. I think these guys are fraudulent and are stealing credit card information because of the fact the number that calls me is XXXX and the email they sent me is from " XXXXXXXXXXXX ''
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
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 an alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting

I enrolled in Equifax credit monitoring program XX/XX/2016 .However, I was dissatisfied with the product and cancelled it the same day. On that day last friday XXXX, my credit score was XXXX.I check ed my score on sSaturday XX/XX/2016, my score had changed /dropped by XXXX points. I called Equifax on XX/XX/2016 and spoke to XXXX representatives and a supervisor name XXXX. XXXX rep told me they were having technical issues with their systems that lowered the score by mistake. XXXX the other rep could n't give me an explaination and neither could the supervisor. Nothing has changed on my report to impact my score. Can someone please assist me in reinstating my score. 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX   as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Product: Vehicle loan or lease

I opened a car loan with Wells Fargo on XX/XX/22 for {$22000.00} and for my credit I got an unreasonable high interest rate and theres issues with the gap insurance when I was finalizing the purchase of the vehicle. Also, the tactics used by Wells Fargo in order for me to purchase. The vehicle purchase overall seem very deceptive and at times it seems illegal.
Product: Credit reporting or other personal consumer reports

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX  XXXX The account listed above is currently a closed account and that's more of a reason I want that account to be removed off my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XXXX XXXX, 2020. I will be a member of the class action above.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i have all the require documents still no help I have had my personal info stolen from me and have been apart of data breach
Product: Credit card

On Saturday, XX/XX/XXXX at XXXX XXXX  roughly there was a charge attempted charge of {$XXXX} on my XXXX credit card XXXX minutes later I received a phone call from a toll-free number stating that there had been a transaction that was declined and asked if I had made this transaction. I told him no jumped on the XXXX  Card app and confirmed that the transaction had been Tried to be processed. I talked with them. They said that asked if I know knew a XXXX XXXX, and that there was an XXXX XXXX on my account and I told him no that all that was not correct. They told me that someone had got into my account so they requested that I changed my password change the password they requested the pin as soon as I did all this, I noticed that There was an account or an actual XXXX XXXX added to my XXXX ID account and all the passwords everything all my security was being turned off. I immediately hung up and called XXXX. They froze the card in the account and walked me through for an over an hour trying to recover my XXXX ID. XXXX unable to recover my XXXX ID And the fraudulent people called multiple times and also contacted my wife who was in another state at the time saying that I had fraudulent charges and I need to talk to them immediately they requested that I reverse the charge for a XXXX XXXX  for {$XXXX} and if I didnt do that that mXXXX XXXX XXXX was lost, I will attach pictures of the phone calls.
Product: Credit reporting or other personal consumer reports

Account number # XXXX XXXX XXXX account number # 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 XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604a section 2 it also states a Consumer reporting agency can not Furnish an account without my written Instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity. 
According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and XXXX XXXX XXXX XXXX and Federal Trade commission.
Product: Debt collection

On the date XX/XX/XXXX a judgement was made on me from Hayt, Hayt and Landau. I was never contacted about them trying to sue me. The debt they are trying to collect is over 6 years old. They must of lied in court because a judgement was made against me even though this debt is old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honor finance is a closed account on y credit but still shows on my report and as open the amount I'd XXXX. 
Also XXXX needs removed amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  / XXXX  XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

This is a complaint against Synchrony Bank for their shady and predatory lending practices. I just found out today that they reduced my PayPal credit line from {$3400.00} to {$220.00}, despite me paying them the FULL BALANCE OWED two weeks ago. They did not notify me in advance that my account was in any danger. I was attempting to make a purchase under the assumption I had about {$1300.00} in credit available ( due to the payment only partially posting ) only to embarrassingly and furiously discover that I do not. Now my credit score takes a hit for no VALID reason other than Synchrony wants to play dirty games. When a company randomly decides to DRASTICALLY lower credit or close accounts, the usage portion of your credit score increases because it looks like youre using more credit than you are. This is a DANGEROUS THREAT to a a persons financial stability and growth.

Synchrony falsely cited my credit worthiness as an excuse even though I paid them ON TIME every month since opening the account in 2021 with the exception of two months last year when I lost my income due to an unplanned medical leave. The fact that they reduced my credit without warning AFTER I paid them {$3500.00} in full is THEFT and I want my money back. I have gone through similar things with XXXX and XXXX XXXX. These companies MUST be stopped.. Im BEYOND sick and tired of these greedy corporate banks hurting the every day working class consumer and they need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau have the following inaccurate Hard Inquiries on my Credit Report : XXXX XX/XX/XXXX and XXXX XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX and XXXX   have removed this damaging and inaccurate information from my Credit Report. I also contacted CFpb Consumer Protection Bureau for help. Thank you for you help. I am a XXXX XXXX XXXX. This is fradulant information on my Credit Report.
Product: Payday loan, title loan, or personal loan

Lending Point offered me a loan back in XX/XX/2018. I process was somewhat simple and I needed the funds as I am a single mom, XXXX XXXX XXXX, and while I make a good living, sometimes I can not budget properly for long lengths of time without a paycheck, so this was a nice cushion so I didn't panci, although the interest is high. They expressed they are an online company only, and they do not send paper statements, and that everything is handled online, and I can make my payment online and access my statements. I have NEVER been able to access my account online, and they have been telling me for months that they are getting their website fixed and it should only be another two weeks. Well, it has now been a year. I usually send my payment by mail, which they will accept, but you have to mail it about two weeks before the due date to make it in time. For about six months they sent me a payment reminder by email, but never told me my account balance, and although I have asked many times I was never given my account statements. I have made numerous calls to this company and have spoken to numerous people. Then around XX/XX/XXXX they stopped even sending an email reminder. I have asked that a Manager calls me back and they never do. I have been directed to several " account specialists '' that are supposed to head up my account but it always gets transferred to someone else. I am very upset to be treated this way and I have no idea what they are doing with my account, late charges ( I always try to pay all my bills on time! ) or varying interest rates. I have most if not all of the emails, and hopefully they have recorded the phone calls, but I can't depend on them. I am also VERY upset that I was lied to, if indeed this is an online company ONLY, they should have a working website, and a way for the consumer to check their account statements. 
My interest is compounded inaccurately and they prey on people and make it extremely difficult to make payments on time on purpose so they can rack up interest rates ; it is predatory and it is WRONG!!!!!!!