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

XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$910.00} written off. 
Account Type Unsecured Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$14000.00} written off. 
Account Type Auto Loan Balance {$3400.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account Type Debt Buyer Balance {$450.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX XXXX - Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Have been making payments to  XXXX   XXXX   XXXX  a  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Texas for 2 years. I have the bank statements to prove this. Have not received a balance statement or acknowledgement of my payments. Have continued to pay monthly without fail. Called to check on the balance and  XXXX   XXXX   XXXX  said they did n't have my account. Gave them the acct number the payments were designated for and posted on the check. They said they turned the acct over to a collection agency a year ago. I have no indication that they had done this nor have I received any written notice from the " supposed '' collection agency, Amcall. Neither office can tell me who has been receiving and cashing my checks for two years. Amcall has spotty payments and  XXXX   XXXX   XXXX  says they do n't have any because a year ago it went to Amcall. However, I have been paying for two years. This seems to be a complete scam with neither party providing any written notices or verification of the debt. On top of this they have hurt my credit rating with undocumented collection claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ACCOUNTS XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

In XXXX of XXXX, I setup a monthly transfer from our Marcus by Goldman Sachs savings account ( the one we have the problem with ) to a checking account of a family member. The transfers went through without issue XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I attempted to transfer {$1000.00} from the Marcus savings account to my usual checking account. My checking account institution then issued me a {$26.00} fee and said the {$1000.00} was not completed. That was the only indication I had that something was wrong with my savings account. Marcus sent no notifications. I contacted Marcus customer support via chat to see why it did not transfer and was told I needed to call the next day during business hours to resolve the issue. When I called, I was told that because we setup a transfer to an account we did not own, it violated some policy that we supposedly agreed to when creating the account years ago, and they completely froze the account. They were unable to provide us with the details of said policy. We insisted that we authorized the transfers, and that they were not fraudulent. Once we were told we needed to transfer the funds from the Marcus savings to our personal checking, and only then to our family 's checking account, we agreed we would do that in the future. After escalating the issue to a supervisor, we were told the only way to unfreeze the account was to have the funds ( at this point it was two separate {$1000.00} transfers ) transferred back to our Marcus account - no exceptions. It is unreasonable to ask our older family members who live off this money and don't understand how to electronically send the funds back ( if they were available ) to do this. We were told the fraud department placed the freeze on the account and that we were unable to communicate with them at all. We asked if we could put our name on the family member 's checking account, or their name on our Marcus savings account, or if we could close the Marcus account. None of those options were available as we are locked out. I explained that even if I wanted to send an advance of {$2000.00} to our family member in order to unfreeze the account, the rest of my liquid savings are locked in the Marcus savings account they won't let me access. It was only then that the supervisor said she would send a note to the fraud department. We were given no way ahead beyond call back in 5 business days to see if the fraud department has responded to the note. We were never given an option to review the verbiage she sent in the note to the fraud department.
Product: Debt collection

they claim that I owe them money for " gap insurance '' I proved it to them by showing them and sending an email of the copy that I had insurance with another company " progressive insurance ''. Hit for almost a year now they've been actively trying to collect what was once {$100.00} to around {$300.00} in auto insurance premium. for what reason I have no idea
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by SOFI/XXXX ( XXXX XXXX XXXX XXXX  ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15 USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit. 

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Please see definition of a consumer ( c ) The term consumer means an individual. 

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Please see listed accounts reporting late payments XXXX. XXXXXXXX LATE PAYMENTS REPORTED XXXX. XXXXXXXX XXXX LATE PAYMENT XXXX  XXXX XXXXXXXXXXXX LATE PAYMENTS XXXX. XXXX XXXX-NO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as XXXX, Equifax, and XXXX in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.
Product: Mortgage

Better.com provided me with a Loan Estimate for a property house with price {$510000.00} in XX/XX/2021. The Loan Estimate included a 2.75 % fixed rate ( 30 year term ) and {$4900.00} in lender credits. Now that the property is supposed to close on XX/XX/2021 they have updated the lender credits on the Loan Estimate to {$3700.00}, a difference of {$1200.00}. They expect me to come up with the extra money before closing. I tried to resolve the issue with one of their Home Advisor 's ( XXXX XXXX, License # XXXX / NMLS # XXXX ). Her exact response in writing : " Unfortunately, pricing on all loans are subject to change if there are changes to the loan parameters after the rate is locked-in. '' Better.com is in violation of the TRID Rule 's good faith disclosure standard under 12 CFR 1026.19 ( e ) ( 3 ) ( i.e., a tolerance violation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XXXX XXXX 2016 number XXXX called me back to back 6 times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.
Product: Money transfer, virtual currency, or money service

I tried receiving {$150.00} dollars from my friend but my cash app would not take it, other companies keeps taking out money from my cash app without cash app letting me know or giving me a choice to let it happen or stop it. All the companies in total took at least {$420.00} from me and I need my money back
Product: Credit reporting or other personal consumer reports

I received a notification from Experian than my credit was ran on XX/XX/year>. That was odd to me so I reached out to their collections department, and they said that they were unsure, they would only pull my credit for a loan. On XX/XX/year>, XXXX XXXX  XXXX called my job for an employment verification for a loan- thank goodness I am HR and I receive those calls. I was made aware that a loan is being attempted to get taken out in my name at XXXX XXXX XXXX and XXXX other banks. I put a freeze on my credit ASAP and will be making a police report. I am not sure how to proceed with getting the hard inquiry off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i made a complaint against XXXX bank and my complaint was handled very poorly by CFPB i sent alone with my complaint XXXX pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against XXXX # XXXX complaint aganist equifax # XXXX complaint against # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u
Product: Credit reporting or other personal consumer reports

I filed a FTC report for identity theft because my personal information was exposed in a data breach of over 3 billion consumers personal information. I would like and appreciate to have all accounts on my credit report removed immediately pursuant to 15 USC subsection 1681.
Product: Debt collection

I received this letter and it was from XXXX XXXX XXXX. It said " They took my debt from JC Penney and Synchrony Bank and it says I owe {$480.00}. I had never heard of Synchrony Bank, to my knowledge. they had not attempted to contact me previously. I called JC Penney and they transferred me to Synchrony Bank. Synchrony Bank initially told me that the last charge on my JC Penney Card was in 2016. They also said that my account balance was XXXX dollars. I inquired about the letter I received. She said she saw another account that they said I had. To my knowledge I have only ever had 1 JC Penney account. She told me the account was locked and transferred my phone call to an automate service that attempted to collect debt from me. I called Synchrony Bank back and spoke to another customer service representative. She told me the account was locked and she was going to transfer my call. I objected and said I had already been transferred in a previous call. I asked to speak to a supervisor. She tried to avoid that by telling me " the supervisor also will transfer my call. I again asked to speak to a supervisor. My call was transferred to a supervisor who also told me my account was locked. They wanted to transfer my call. I declined and ended the call. I did internet research looking up consumer reviews about Synchrony Bank and XXXX XXXX XXXX. I found that both companies have been repeatedly accused of fraud, scams and unethical business practices. Seeing this I knew I had to report this immediately. 
So, I did, which resulted in claim # XXXX. In the interim of waiting for this claim to be resolved, I received a phone call from someone claiming to be from XXXX XXXX trying to collect this supposed debt. They said XXXX to start the call and I said yes. I explained to them why I dont owe debt and they kept trying to keep me on the phone and get me to confirm my full name. I have heard of these scams before, where people are tricked into saying yes or the full name and then the recording is doctored to try to make it seem like someone agreed to pay a debt. I did not confirm my full name and I ended the call. Today I got an email stating that my claim was resolved unfavorably to me. I called Synchrony Bank and the woman who answered the phone would not tell me when the alleged charges I am told I owe were made or where they were made. She transferred the call upon my request. Someone asked me who I was and I said XXXX. They immediately ended the call. This is clearly a scam and they are trying to collect debt that simply does not exist. I am at this point unwilling to call them because I do not trust they will be helpful. I would like to have another claim submitted where Synchrony Bank is required to state when and where and for what exact amount this supposed charges were allegedly made.
Product: Bank account or service

There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted immediately!!
Product: Student loan

I recently learned that my loan provider offers interest rate discounts with enrollment in Auto-Pay. After enrolling, I learned that the interest rate discount is lower than initially informed. I communicated with my servicer and was informed that the different " disbursements '' in my account offer different interest rate reductions. In addition to making almost two years worth of regular payments and not knowing that I could reduce my interest rate with auto-payments, I was never informed that there were multiple " disbursements '' on my account. I have now payed over {$3200.00} in additional payments over the last 8 months that would have payed off at least one disbursement that did not offer a lower interest rate, thereby reducing my weighted interest rate faster. This is all because the information that benefits me as a consumer is not available on my servicer 's website.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I am submitting this complaint on behalf of myself. There no 3rd party company disputing on my behalf. Please do not send me a automated responce. All documents will be uploaded to support my dispute.

I recently received a copy of my credit report in the mail that you sent out with the investigation results that you were not able to verify correctly. I noticed accounts on my report that were not granted permission to post on my credit report. I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have I given any 3rd party consent to furnish a report. Please do not respond with automated letters or messages, as I am writing this letter on my own behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} TransUnion : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

I have not applied for any new credit or services with the listed creditors on the aforementioned date. As a result, I am concerned about the potential impact this unauthorized inquiry may have on my credit score and overall financial standing.
Product: Credit card or prepaid card

I am writing to talk about the fact that Victoria 's secret has drop my credit score 29 points  all three of my credit bureaus are reporting that I am late with payments which I wasn't and then it's showing that they had closed my account then it was open last month and now I am paying on a {$300.00} credit originally I owe them about {$1200.00} between finance fees and late fees and I've paid the {$300.00} for the credit that I had used over twice already recently meaning XX/XX/2019 XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX my bank is overdrawn because they tried to take out {$20.00} which I made this agreement back in XX/XX/XXXX of this year to pay {$20.00} because I was in hardship and now they're drafting out my account 4 times for the same {$20.00} that I paid on XX/XX/XXXX this credit card company has really messed up my credit score it's been going up and down for the last couple of months out of work and actually paid off all my debt and this one credit card is the one that's tearing up my credit the moose was is dropping my score down 40 and 29 points and I can't get past this because right now I've worked on my credit so hard to buy a house I need some help and I would like to something to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Trans Union letting them know the information on my credit report is fraudulent they refuse to remove several accounts and inquiries, they also had several names and addresses that are not mines including to ssn numbers. after i have sent over proper documentation supporting my claim. The law states they must report accurate information. Upon checking my credit i discovered my information such as my ssn, email address, address and name was found on the dark web and they are reporting false information needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have three accounts on my credit report that I have no knowledge of. I have filed an ftc report for each of these accounts 2 XXXX XXXXXXXX account XXXX XXXX XXXX business account I have mailed a formal dispute request to each credit reporting agency listed In this complaint Please delete these accounts from my each of credit reports IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.