23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to dispute this many times and they aren't willing to work with me. This account is not mine its a result of someone using my name and information fraudulently from a previous address. They are collecting and damaging my credit for an account that isn't mine.
Product: Credit reporting or other personal consumer reports

I was impacted by the data breach. these items do not belong to me and have negatively impacted my credit. 

1. Inquiry- XXXX  XXXX XXXX : XXXX XXXX, XXXX asked the company and XXXX to investigate and remove the account. No response from either. 

2. Inquiry- XXXX XXXX XXXXXXXX : XX/XX/XXXX, XXXX asked the company and XXXX to investigate and remove the account. No response from either. 

3. Inquiry- XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX asked the company and XXXX to investigate and remove the account with no response from either.
Product: Credit card or prepaid card

Visa bill chase card services due XXXX XX/XX/2019. Certified check drawn on account at XXXX XXXX XXXX XXXX XXXX Virginia on XXXX XX/XX/2019 and mailed on the XXXX of XXXX.On XXXX XX/XX/XXXX I received a notice from Chase card services that the certified check was returned to XXXX XXXX. Upon checking with my credit union no check was returned. My branch manager made contact with an account superviser at Chase and after a substantial amount of time it was revealed that a number reader at Chase missed a number, the check was not returned it was destroyed by Chase.My credit union can not re-issue another check for 90 days. We are talking about XXXX I want my money back and Chase should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting and u verified collection on credit report by XXXX. XXXX, XXXX in the amount of XXXX. Both transunion and XXXX. XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract AGREEING to pay this amount {$1400.00} bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have attached a redacted police report ( eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX  Police Department.
Product: Payday loan, title loan, personal loan, or advance loan

I got a secure loan, putting the title of my vehicle for it, and received a Loan Summary of how my payments would reflect on the Loan by the number of months. Yet, I was going to make the payment, and the amount reflected was more than what is shown in the Loan Summary. I called the company that provided me the loan, which is Oportun, yet they told me that it was because they had a daily interest rate, which was never said when I got my loan.
Product: Consumer Loan

This complaint is about santander consumer usa i debated the terms of agreement and won the debate, however they reported it twice on my credit they claim they only reported it once however the XXXX still show on my report. They say that its not on my report and can not and will not do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION blocked some accounts that should be reporting on my credit file and dropped my score almost 40 pnts!!!!!! For no REASON!! I want these accounts put back on my file XXXX/XXXX   XXXX  # XXXX {$12000.00} limit XXXX XXXX XXXX XXXX # XXXX {$3000.00} limit XXXX XXXX  XXXX  # XXXX {$4000.00} limit I am attaching proof that cards are mine, please re-insert these accounts immediately and re-score my file
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to complaint XXXX. What equifax 's idea of fixing the issue was to send a cookie cutter response. that response was " Let me tell you how credit works '' My complaint was that, their site makes it hard to file complaints. wWhen I try to navigate their site, each link leads to paying for their monitoring. I understand credit, so i dont need the information. I want to submit challenges to the erroneous information to them the same way that I have submitted to other major credit reporting agencies. 

This is not just a XXXX XXXX XXXX issue. This a systemic issue including everyone that attempts to maintain accurate information on their report.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries associated with my credit file, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Please remove the following accounts from my credit file : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$860.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Additionally, I request the removal of the following inquiries as they were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including XXXX LexisNexis and XXXX were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of XXXX until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with XXXX but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( XXXX  ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account with XXXX, Experian, and XXXX. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter
Product: Debt collection

this accout is not mine but this company claims it is and is reporting this debt this was from identity theft and is fraudulent i have filed police reports and id theft affidavit
Product: Checking or savings account

On XX/XX/XXXX Marcus by Goldman Sachs sent me e-mail correspondence saying that I needed to call them in regard to my account. Concerned I promptly called them the same day. I was transferred from specialist to specialist - the call ended with since it was XXXX day the department that could handle my account was " not available '' and I could try calling back. 

On XX/XX/XXXX I spoke with a representative who informed me that my account had been closed and it was because my account was " dormant '' -- meaning I had not made any outgoing or incoming transactions. This is a high yield savings account, so my intention was to build interest and save hence why there was no activity on the account. I told the representative that I was unaware I HAD to make transactions monthly and I would do so moving forward. She stated that she would note my account and that XXXX would make a final determination in a weeks time to either keep my account open or close it indefinitely. 

On XX/XX/XXXX I called XXXX and was told that the determination was made and my account was to be closed. Then they told me that they could not specify why my account was being closed but per their privacy agreement they had the right too. They told me that my account was set be closed but it still had to go through the process of being closed. I provided the representative with my mailing address and she said a check would be disbursed within XXXX business of the date of the call. 

As of today XXXX XXXX -- I called Marcus by Goldman Sachs to follow up on the status of the disbursement. I was told that a check was not disbursed the notes that were on my account were " unclear '' and that my account needed to be forwarded on back to the review/investigation department. I asked what needed to be investigated if they made the determination of my account to be closed and already agreed to send the funds via check on XX/XX/XXXX. They said that the only reason my account was being forwarded to the review /investigation team was because this was the only department who could issue payment and they need to be sure the funds get to me. I have been getting conflicting information every time I get on the phone with Marcus by Goldman Sachs. 

This information was from a supervisor and she informed by that she could not and would not give me any time line on how long it would take to review and the check actually get disbursed. She said that Marcus by Goldman Sachs will contact me which they never have. .This has been incredibly frustrating as my only intention was to save my money and I chose the company because they had a competitive interest rate. I have. been left in the dark as to when I will get my money back. They have locked my account since XXXX of XXXX, leaving me with no access to my funds. 

I was able to get a case number of # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I downloaded the consumer report that XXXX has on me after I was denied credit due to defamatory items that Trans Union has reported on me. The report is identified by File Number : XXXX. After reading my consumer report in full, I utilized the listed resources that regulate consumer protections from the report to educate myself on the laws that were created to protect misinformed and abused consumers like myself. I never gave authorization or consent to Trans Union to have, use or disclose any of my personal, private, or personally identifiable financial information. I've contacted Trans Union on multiple occasions to have these defamatory items removed from my consumer report, as this information has continuously caused me harm, financially, and emotionally, but they've yet to remove these items.
Product: Credit reporting or other personal consumer reports

Stated in the letter, I do not recognize the company or ever having an account with them. I let them know they were reporting inaccurate information on my credit report. I asked them to provide all documentation used to identify me as the consumer for which they are accusing owes this debt by supplying : Debt Validation letter to include my signature, chain of assignment, forward flow agreement, purchase agreement per the following regulations : 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B, 15 USC 1681XXXX XXXX I have not received any information from the following companies : I. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My complaint is related to the following information shown in my XXXX credit report for a loan from Cash 1 : 1 account recently reported as late These accounts were reported as late on your most recent XXXX credit report. 

CASH 1XXXX Balance updated : XX/XX/XXXX Past due amount : {$230.00} Balance details 0 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$1200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$230.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$230.00} Original balance {$1200.00} Monthly payment {$230.00}! 
Refinancing could lower your monthly payment. 

Additional info Responsibility Individual Terms 13 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX Basically, this was a 13 month loan that I defaulted on. The issue is that after 3 years and 9 months, several years after the term of the loan, Cash1 continues to report it on my credit report at XXXX as a late payment every month as an active loan. This unethical reporting practice would result in the loan being on my credit report for 14 years, not 7 years. I tried to work something out with this company in XXXX but they were unwilling to assist in any kind of way other than threats, despite having had multiple loans with them in the past that were always paid in full. What they are doing with this unethical reporting is distinctive of a predatory lender. Further, I will not pay there {$2000.00} in interest or fines on a XXXX loan, another sign of there predatory practices.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR Credit Reporting Act, XXXX XXXX XXXX XXXX account ending in # XXXX and account ending in # XXXX has violated my consumer rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2, Accordingly States a consumer reporting agency can not furnish data without my written permission.

15 USC 1666B States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had an open balance with my XXXX XXXX credit card which is a Synchrony Bank account. I paid off that balance and had {$0.00} amount on the card. However, last week when I went to use the card because of deals that were advertised to me I was told that my card did not work and was declined, which was extremely embarrassing. I called the Sychrony contact # and explained the situation and they confirmed that my account had been closed automatically but for reasons that did not make any sense. I explained to them that nothing had changed since I first enrolled for the card but the person I spoke with said she could not do anything but would open a case and a letter would be mailed to me. 

2 days ago, XX/XX/XXXX, I received this letter stating the reasons why my account was closed was from a credit report from XX/XX/XXXX from XXXX. This was the first time I was told my account was closed, the letter is dated XX/XX/XXXX and was sent from Florida. Not sure why I was not notified or warned sooner. 

I contacted a person today about this so called " case '' and they said there wasn't anything that they could do once the account was closed all I could do is go to XXXX and dispute the closed card on my credit report. I believe they did not take proper steps in closing my account and that my account was wrongfully closed. My credit score has taken a plunge and I don't know what to do next.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand for Debt Collection Activities Dear Resurgent Receivables, I am writing to formally request that you cease and desist all collection activities related to the alleged debt associated with account number XXXX that has been reported on my XXXX credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all communication with me regarding this matter. If you believe this debt is valid, I request that you provide complete validation of the debt, including but not limited to : XXXX. A copy of the original signed agreement or contract with the original creditor XXXX. A full accounting of the alleged debt, including itemized charges and payments. XXXX. Proof that you have the legal right to collect this debt. Furthermore, I dispute the validity of this debt as indicated in my credit report. If you fail to provide the necessary documentation within 30 days, I will consider this debt to be unverified, and I will take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, any further attempts to collect this debt, including reporting inaccurate information to the credit bureaus, will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I reserve the right to take legal action against any continued harassment or misinformation. Please acknowledge this request in writing and ensure that all collection activities regarding this matter cease immediately. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I was victim of identity theft, on XX/XX/2022, and the charges were disputed and ruled in my favor. The controller of Apple Credit Card, needs to do an administrative entry to get my balance to be XXXX dollars, instead of {$2800.00}. Ive called over 30 times in past 8 months, yet nothing gets done. Everyone just sends an email. App, e credit card has shown no sense of urgency to resolve the issue, and my credit score went from XXXX to XXXX, marginal. 

I cant move because I will not qualify for a place to live with this credit score. I am desperate for you to fine them for inaccurate reporting, or I will be homeless. Thank you for your help.
Product: Credit reporting or other personal consumer reports

My personal, private, identifying information ( PII ) was breached during an alleged " audit '' being performed by the supposed Department of Governmental Efficiency ( DOGE ) and XXXX XXXX. This individual is not an elected, nor vetted or otherwise qualified federal employee, and neither are the individuals working on his behalf. As of the week ending XX/XX/year>, I can not rely on the Department of Education nor any third-parties that they have given access to my information to protect any of my most sensitive information including but not limited to my : Social Security Number, Birth Date, First, Middle, and Last Name, former and current residences, former and current employment, and financial data. The disclosure of my PlI was done without my prior, written consent, and continues to be at risk without any notification from any federal institution or representative. The individuals involved in the current disclosure of my PIl have no relation to me or the educational agencies or institutions. I became aware of the data breach during the week ending XX/XX/year> from XXXX XXXX and other news articles, and no communications from the Department or any federal entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXXt XX/XX/2017, XXXX, XXXX   XXXX, XXXX & XX/XX/2017, XXXX XXXX XX/XX/2017 pulling my credit report saw these inquires tried to file a dispute with Transunion representative told me I couldnt file a dispute I would have to wait two years for these to fall off report even though I didnt authorize my credit to be ran they are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX TRANSUNION, 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 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. Accounts ever late, closed accounts and collections history is reporting in-accurate amongst the three credit burros. I'm inquiring removal of all late payments & collections / charge-off accounts purchased by another lender. Report Includes : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE ALL ABOVE ACCOUNTS ON CREDIT CONSUMER REPORTS. Thank You!