23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived in XXXX XXXX during the pandemic. XXXX XXXX on XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and restaurants were shut down. I could not work or pay rent. A shelter in place order was in affect and I used this to keep a roof over my head. I was in direct communication with my leasing office during. After my lease was up, I moved out, I lived in my new location for two years. I found a couple weeks ago that the unpaid rent was sent to collections 2 years prior. I never received any notice about it. The original amount {$11000.00} for rent and move out fees. They kept my deposit. The amount is now {$12000.00} after collections late fees. My issue is that I am now trying to buy a home, permanent and safe housing. This amount is on my credit report and keeping me from getting a mortgage. I do not think that debt incurred during a pandemic should be held against me for future endeavors. We were all in impossible situations and it should not keep us from moving forward. I understand that the amount still may be due, but I should not incur a credit hit. I have spoken with the collection company and they refuse to work with me in any way.
Product: Debt collection

I have communicated with the organization, Pioneer Credit Recovery, in XX/XX/XXXX regarding an alleged debt. This was immediately after a 3rd party contact they had made. I requested that they discontinue contacting 3rd parties and I provided my all of my current contact information and requested that communication continue via mail. In XX/XX/XXXX, they once again contacted a 3rd party contact even though I had contacted previously and provided all relevant information and instructions.
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I found accounts on my credit report that do not belong to me. Ive always kept an eye on my report, and I wasnt expecting to find discrepancies like this. I even refreshed my browser, thinking it might be a glitch, but the inaccuracies didnt go away. Im upset and requesting that the documents I sent be carefully examined so I can avoid such worries in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate date opened on multiple student loan accounts. Please have the company delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed an a XXXX XXXX  account and the account was verified & accurate and some information was updated ; however, I am challenging this information because this is an identity theft account and there still several inaccuracies on this account still being reported because under FCRA all credit bureaus must report the same information in which each bureau is reporting different information for this account. It appears that no thorough investigation was done by Transunion and they have failed to provide me with proof of any documentation from the investigation. 

I am requesting proof of all documentation from the investigation that I applied for this account and the account belongs to me along with all documentation XXXX XXXX provided that was used to verify all the information being reported is accurate outlined in the FCRA or delete this inaccurate information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XX/XX/2017
Product: Money transfer, virtual currency, or money service

zelle payment was sent in one instant for an appointment/consultation and the person never showed up and changed their contact info. I reached to zelle and they said they couldn't do anything about it in the amount of {$250.00} I also sent {$1000.00} for a service and the service was never received. The company then explained that the money taken from their account due to over draft and I never heard from them or zelle after reporting and trying to get my money back
Product: Checking or savings account

I called into US bank regarding a dispute I needed to file when I spoke with customer service the representative was rude and a nasty lady on the phone. After telling her I was not going to keep repeating myself since she was not listening to what I had to say I asked to speak to her manager and she hung up on me. When I called back to customer service and spoke with a manager she seemed as if she didn't give a XXXX that my legal right to dispute a transaction on my account were violated and acted very nonchalant as if it was just ok with an apology and a whatever. Just nasty trashy low class customer service. I will be filing a complaint with the A.G. 's office and every other regulating agency over this type of illegal banking practices.
Product: Payday loan, title loan, or personal loan

Someone opened a Money Lion loan using my information, the account shows on my credit report for XXXX opened XX/XX/2021 ... i have tried to contact the company with no success. I had to close my bank account and open a new account due to this fraudulent activity. Please help me get this account removed from my credit report. 


Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX, I [ XXXX XXXX ] made a second attempt to resolve a debt in the amount stated by a representative of Midland Credit Management ( {$2300.00} ).  Previously, I received calls from this company asking me to verify personal information prior to discussing why they were calling ; the representative doing the initial contact stated my account [ XXXX ] is with their legal department, the day I contacted them the same line of inquires from the representative was XXXX. I felt pressured and uncomfortable verifying my personal information before anyone would discuss this account. the tactics is an attempt to gather additional information on individuals. After this information was confirmed by me, and my financial status known the representative knowing my inability to pay the total amount informed me the only way I would be able to set-up arrangements was to make a deposit of {$710.00} at {$50.00} a month. Initially, I informed contact I realistically couldn't afford anything above {$25.00} a month. This company wants to set the terms and amount of any potential agreement. It's my understanding that The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 
Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. I'm requesting fair treatment be granted, tradeline be removed from credit files and credit files be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have paid Transunion for their credit monitoring service for many years ( a decade or more ). We were recently ( yesterday ) turned down for a real estate loan by our bank. 

According to Transunion 's service my wife has a XXXX credit score and I have a XXXX credit score. 

According to the bank, my wife has a XXXX credit score and I have a XXXX credit score. 

The bank claims that Transunion told them that they give the bank an entirely different score then they give us through their reporting service. 

Looking at our report, there doesn't seem to be any reason my wife 's score would be that low ... and no one will give us any answers about either the difference in the score that Transunion is giving us verses what they're giving the bank, or the causes for low score they gave the bank ... other then to say that they use different " models '' for what they give to the consumer verses what they give to the financial institution. 

What's the point of giving consumers access to their credit score if the credit bureau is going to provide a different score from what the banks use???
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit card or prepaid card

I opened a Citi Premier credit card with Citbank  for a promotion that outlined that I would receive XXXX points once I spent {$4000.00} in 3 months. ( XXXX XXXX XXXX ) I opened the credit card, which took 2-3 weeks to get to me and the promotion had already started, giving me 2 months to fulfil the terms. As I was making a purchase today, my card was declined for insufficient funds. Citibank told me that I was only offered a credit line of {$3000.00}. I have enough income to have a much substantial credit line so it begs the question, why would a credit card company approve you for a credit line that is below the offer promotion, making it impossible to reach? The whole encounter with Citibank is bizarre and I believe they are misleading consumers with this promotion and degrading the trust of buyers and their brand in the process. I will be closing my account, but they should be held accountable for misleading consumers with false advertising and unethical business practices.
Product: Debt collection

I paid The amount requested just to clear it off my credit report but it is still showing on my report with the balance. The amount has not been XXXX out. Unable to get this resolved.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report the following inquires appear in which I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Fortiva/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have reached out to each company and they stated there is no account open and no proof of me requesting their services. I have contacted XXXX multiple times and they are refusing to remove from my report.
Product: Credit reporting or other personal consumer reports

Hello and good day. You are violating my right to privacy by reporting this information on my credit report without my consent. This breach is not only deeply insulting but also a defamation of my character. Your actions are damaging my credit score and negatively affecting my life, as my new credit applications are being denied because of your negligence.
Product: Credit reporting or other personal consumer reports

I have made several attempts to inform the following companies know these accounts were opened fraudulently. These companies are in violation of U.S 1666B and also each violation carries a {$1000.00} fine per violation of my rights. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$110.00} XXXX Bank Account # XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX  Account XXXX XXXX Opened XXXX XXXX Balance {$710.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 12. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. I did dot give them permission to check my credit XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Debt collection

ON XX/XX/XXXX, A STIPULATION FOR PAYMENT AND ORDER OF DISMISSAL WAS ISSUED IN XXXX COUNTY, FLORIDA IN THE AMOUNT OF {$10000.00}. THE STIPULATION IS BETWEEN PORTFOLIO RECOVERY ASSOCIATES, LLC ( PLAINTIFF ), AND XXXX XXXX XXXX ( DEFENDANT ). THE ORDER CALLED FOR MONTHLY PAYMENTS OF {$50.00} AND FURTHER STIPULATES " NO INTEREST SHALL ACCRUE ON THIS STIPULATED AMOUNT '' I HAVE MET EVERY MONTHLY PAYMENT AND AS OF XX/XX/XXXX HAVE PAID A TOTAL OF {$3600.00} LEAVING A BALANCE OF {$6400.00}. 
ON XXXX XXXX, I SPOKE TO XXXX XXXX OF PORTFOLIO RECOVERY AND SHE ADVISED THAT THE BALANCE WAS {$9000.00}. I SENT THEM A LETTER ON XX/XX/XXXX, ASKING FOR AN EXPLANATION AND WHEN DID NOT RECEIVE A REPLY FOLLOWED UP WITH A CERTIFIED LETTER ON XXXX XXXX. ACCORDING TO THE POST OFFICE THE LETTER WAS DELIVERED ON XX/XX/XXXX. I HAVE NOT RECEIVED A REPLY FROM PORTFOLIO RECOVERY AS OF THIS DATE. PLEASE SEE ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} 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: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit card or prepaid card

I am writing now in wish to gain your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

My mortgage got transferred to Loancare Servicing XX/XX/XXXX and since then I have had nothing but issues with this company. I set-up auto-payment through their website and when they had n't processed the XX/XX/XXXX payment on time, I called and asked what was going on. They claimed I had entered an incorrect banking account number ( which was not true ), so they could leverage a " Bad Check Reversal '' fee. I later checked the auto-payment summary on their website and the account information was correct. After a lengthy phone conversation with them, they managed to rectify the fee. However, in an attempt to avoid future issues with them holding my banking information hostage and intentionally fudging account numbers and charging me late fees and surcharges, I set-up monthly auto-payment through my banking institution. When the payment processed for XX/XX/XXXX, I went on to their website to ensure the payment went through correctly and saw that they charged me a non-descriptive {$20.00} fee that they took out of my additional principle payment. I received no notification from Loancare that they were leveraging a fee on my payment ( not even on the payment confirmation email they sent me on the payment date ). I also identified that they have the wrong home owners ' insurance carrier listed on my online account, so I do n't even know if they 're actually paying my insurance premiums through escrow. I have tried to call their customer service line 10 times in the past 2 hours and I just keep getting a busy signal. I have been paying this mortgage for over 3 years and have had no issues at all until Loancare took over the loan servicing. At best this company is a bunch of fee mongers, and at worst they 're crooks who intentionally and strategically nickel and dime people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax XX/XX/2021 to remove unauthorized inquiries and they refusing to remove them. I have sent in numerous police reports and ftc reports to back my claim. I spoke with XXXX from Equifax employee ID XXXX and he said he is not removing the inquiries Ill be better off filing a complaint. This is the 4th time I have gone through this process with Equifax.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Debt collection

This collection on my credit by " Diversified Consultants '' for {$2400.00}, was just reporting as XXXX. This account has been sold and reporting to another agency. I would like for this to be deleted off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Upon reviewing my credit report, I identified multiple fraudulent accounts that were added without my consent.