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

Since XX/XX/2021 I have been contacting XXXX, Equifax and XXXX in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to XXXX, Equifax and XXXX. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX XXXX  - Account # XXXX XXXX {$2200.00} XXXX XXXX - Account # XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX XXXX {$3400.00} XXXX XXXX XXXX  - Account # XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX {$300.00} XXXX XXXXXXXX - Account # XXXX XXXX {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please remove ASAP.
Product: Debt collection

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX+ years however the debtor is also reflecting the account/charges were just recently opened XX/XX/XXXX months ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which are 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. The following items are inaccurate and should be remove immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$45000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Mortgage

We are approaching the end of our mortgage payments, and have been working to our loan paid off, but yet Mr. Cooper has made XXXX errors in terms of processing and closing out our loan. 

- On XX/XX/XXXX our mortgage had a remaining principal balance of XXXX and XXXX statement lists the XXXX payment as XXXX XXXX On XXXX XXXX I requested a XXXX XXXX XXXX This XXXX XXXX XXXX took more than XXXX days to arrive in our inbox, at which point it was past the " XXXX XXXX Good Through Date '' of XX/XX/XXXX. 
- On XX/XX/XXXX, our regular of XXXX was auto-debited from our account. 
- However Mr. Cooper failed to apply any part of these funds. 
- On XX/XX/XXXX the full payment of XXXX was returned to us. 
- On XX/XX/XXXX Mr. Cooper added a XXXX Fee of XXXX and started pursuing collections, even though we had submitted a payment and they held it for XXXX  days without applying the funds. 
- On XX/XX/XXXX I requested another XXXX XXXX XXXX with a " XXXX Good Through Date '' of XX/XX/XXXX. 
- We received this XXXX XXXX XXXX in early XXXX ( still more than XXXX days from when it was requested ) - This statement listed a XXXX amount of XXXX which included the XXXX late fee that was assessed in XXXX. 
- On XX/XX/XXXX we sent a wire transfer in the exact amount of {$1300.00}, with an additional fee of {$45.00} added by our bank. 
- The funds were withdrawn from our account on the morning of the XXXX, but the payment did not appear on Mr. Cooper 's online portal until after XXXX on the XXXX. ( Contrary to their own paperwork that explained it should have been applied on the XXXX. ) - As of XX/XX/XXXX, Mr. Cooper has failed to apply the funds that were sent to them and has not moved the loan to being paid off, even though our quote was good through the XX/XX/XXXX. 
- As of XX/XX/XXXX, Mr. Cooper has drastically increased our estimated Pay Off amount to XXXX  and added another XXXX  in late fees, even though we have submitted payments to them on time.
Product: Credit card or prepaid card

On XXXX XXXX my credit card information ( ending in XXXX, now XXXX ) was stolen and used to make purchases at an XXXX XXXX and XXXX XXXX. 

I was contacted by someone claiming to be Chase bank at XXXX on Wednesday XX/XX/XXXX. They informed me that fraud had taken place and they were going to cancel my card. They asked for a code that was being texted to me to confirm I wanted the card " canceled '', when I received the code the number was from my Chase Debit Account so I didn't think much of the validity. I did not provide any other information. I did not tell them my credit card number. They told me my card would be canceled and a new one sent to me. 2 days went by and I noticed these purchases on my account so I called Chase to ask why my card hadn't been canceled before. They told me that they had no record of someone at Chase calling me and there was no claim to cancel my card. 

The people who called me were the ones who added my credit card to their phone wallet to make purchases in person, making it harder for me to dispute them. 

The purchases were made in person because the criminal added my credit card information to their apple wallet on their cell phone. I did not authorize these purchases, I don't even know what they bought. I do not know who this person is. 

The amounts were : {$1200.00} - XXXX XXXX {$1100.00} -XXXX XXXX {$12.00} - XXXX XXXX XXXX  and XXXX XXXX They tried to make a order to through XXXX from XXXX XXXX XXXX  ( image added ) but that order didn't go through and has since been removed entirely from my statement. 

I reached out to my bank and they canceled my credit card, issued me a new one and informed me that the case was covered and they returned the stolen money to my statement. 3 weeks later the transactions were back on my account without notice. I contacted Chase Bank and they informed me that this was not considered a Fraud Claim but a Dispute so I would need to refile a claim with Dispute department. Despite me explaining that I did not qualify for a dispute because I did not make these purchases, nor do I even know what they are for, they continued to give me the go around. Every time I called no department seemed to know where I should go. This went on for 2 weeks of me calling and going in person to the Chase branch near me. 

Eventually they agreed to reopen my claim, and on XX/XX/XXXX I was informed that they again decided the purchases were valid and would not be reimbursing me. 

I have contacted XXXX and they won't help me because I no longer have the correct credit card ( It was canceled and I was told this issue was put to rest so I got rid of it ) and since I don't know what the purchases were for ( As I didn't make the transaction ) they couldn't help. 

I have filed a Police report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a federally protected consumer am opting out of any and all reporting of my non personal information.15 U.S. Code 6801 - Protection of nonpublic personal information I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' nonpublic personal information Definition means : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

15 U.S. Code 6805 - Enforcement U.S. Code ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : please remove the following information and accounts from my consumer report that are attached.
Product: Checking or savings account

When I called the XXXX number to find out where can I print my XXXX forms when I spoke to the rep I answered all my info which is card number, first and last name of the account, date of birth and my online id I use then the rep said " We can't help you because you are phishing someones account even though I was the one who knows what the question are I told them that " I was the account holder NOT a scammer or a thief of my own account '' and then I hung up and called back 5 minutes later I told a other reps that I know the questions are being asked when you call the number on your back of your card then the rep said I was doing a fraudulent act on my account then when I tired to speak to a supervisor and they refused.
Product: Credit card or prepaid card

There were 2 occurrences I was already a member of fifth third bank for a while having a checking/savings account so I got a credit card with them XXXX of XXXX. In XX/XX/XXXX I accidentally missed a payment it was reported late on my credit. Meanwhile for no apparent reason I was kicked out of the bank they closed my checking/savings account but allowed me to keep my credit card. I went to XXXX and opened 1. In feburary XXXX I called to make a payment to fifth third for the credit card I still had with them with my checking account that I had opened with XXXX but gave them my saving accont number by mistake the payment was returned but I was never contacted by 5th third alerting me about the situation. I only used my card for emergencies anyway. 1 day I went to use it and it didnt work I contacted 5th third they informed me that my credit card account had been closed due to non payment for 30 days I still payed it off but they said they can't reopen my account or remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to block any items which were opened without my knowledge, consent, or authority. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ;
Product: Debt collection

Collection agency continues to call, after I have written to them ( 1 ) disputing the debt ( the debt is disputed, and no explanation has been provided, despite repeated requests from me for such explanation ), and ( 2 ) telling them that continued contact was prohibited after such written notice of dispute. They call from XXXX different numbers, to both home and cell phones, 4-5 times per day, every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. 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

Someone is attempting to open a Bank of America Credit Card under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 of my XXXX  reports were removed from my credit report. 1 XXXX XXXX account and 15 ( all ) of my XXXX/Dept of Ed accounts were deleted. I recently just disputed with XXXX  because they haven't updated my report reflecting that the 16 accounts should be removed. After the dispute they STILL have not deleted it. THEY NEED TO DELETE IT. Them not having uniform information across all 3 bureaus is erroneous. DELETE ALL 16 OF MY REPORTS THAT XXXX  DELETED PLEASE AND THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery -- -- I am not aware of this debt I would like this debt validated or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXXXXXX Collector : XXXX Original Creditor : XXXX   Status : Unpaid Balance Amount : {$460.00}
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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
Product: Student loan

On XX/XX/2023 I submitted a payment to Nelnet of {$500.00}, with the selection that the payment be applied to all the loans on file with them proportionally. ( See attachment for confirmation email, note the XXXX ID : ALL ). Instead of doing this Nelnet applied my payment to only XXXX loan Group ID : AA. This means my other loans have accrued interest they should not have. I called and talked to a representative on XX/XX/XXXX who said they could not change it but would put a note in my file requesting a higher up to take a look and change it appropriately. A follow up call on XX/XX/XXXX was told by another representative that that note was still there and no action had been taken. My loan payment has been misapplied causing excess interest and higher payments to accrue. 

In addition to this Nelnet also changed the due date for XXXX of my loans ( XXXX ID : XXXX ) from the XXXX of the month to the XXXX of the month, misaligning it with my other loans. This was done with no notification to me and not at my request. The loans have always been due on the same day as each other for the life of the loans. I requested this XXXX loan to be changed back to the XXXX of the month to match what it and the other loans has always been and this has been ignored. There was no communication from Nelnet that this was going to change and they have not changed it back.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery P\provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Checking or savings account

XX/XX/23 i tried to log into my mobile banking and couldnt. I tried several times and finally got into it only to find that all my money was taken out by someone in florida. i then called my bank to immediately get this resolved and get my money back, a total of {$2300.00}. 
XX/XX/23 i tried to log into my mobile bank account again and had the same trouble loggin in. so i called my bank again to get help, i found out that my new card was being sent to the scammer in florida and not me, then i found out that my bank overdrafted my account to rush me the new card. AND then i found out that my fraud claim wasnt even put through to my bank so they were not even working on the scam to get my money back. 
at this point i hope that they have been able to do the things that we tried to do over the phone like freeze my account so the scam cant keep taking money and stop all access to my account.
Product: Credit card

I was applying for a credit card and in result of applying and finishing the application they denied my application because there was a credit card open in my name social security number and my birth and not the year I was born and its not allowing me to move forward unless we fix this issue and the individual that has done this was my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 5 inquiries on my credit report. I only recognize one of them and thats XXXX XXXX. as you can see from my credit report i have a XXXX XXXX credit card. please remove these other inquiries asap. please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX