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

Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX  XXXX  XXXX  when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX  XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX  XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




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

This company, CRME, keeps calling my phone ( electronic message ) for an individual that is not me. I made contact with them to have them remove my number and that the individual who they are trying to reach is not at this number. They are trying to contact 'XXXX XXXX ', not sure how it's spelled. I have had this number for over a decade. They continue to have their automated system call my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

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

I attempted to make a larger purchase on my Apple Card. the card had roughly {$5400.00} available credit and the purchase i was attemtpting to make was for roughly {$3800.00}. I have been using this card for years. I was unable to make this purchase and was told that my account was under review to verify that the purchase was not frauluant. I verified my account and explained to them that the purchase was intentional. It's been days and I have no way to resolve this issue and no one that I have spoken to can give me any direction on what needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union llc- Freezes my credit and l did not request any freezes, of credit, when call to unfreeze my credit, they ask generated question not on my credit report.. XXXX XXXX XXXX. I could not apply for home mortgage According to XXXX XXXX know one can view my credit report ... Because is frozen. I need your help to stop embracing and harrasing me..
Product: Vehicle loan or lease

I did not apply for a auto loan with Bank of America in XXXX of 2018. Bank America has not provided no paper work with my signature nor contract showing my information me applying for a car loan. I have gotten nothing but the run around with fraud by Bank of America bogus made up loan for a auto loan threw them in which i have or did not apply for. If bank of america is so legit why has there been no paper or loan papers provided by bank of america regarding the matter showing my signature and proof. It seems it's just some bogus talk some one is going to call back with no return regarding the matter. I want to see what dealer and my signature applying for a loan with bank of america.Bank of america has not responded to me by no means of no letter or call if so please provide proof by the US Post office of any mail sent certified or my signature. It seems like a lot of games by Bank of america regarding this fraud of a loan in 2018. If bank of america mailed me a letter as they claim or they claim they cant get in touch with me which lie is it with bank of america. One lie after another
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I did a bank wire transfer for {$2000.00} to XXXX XXXX on XXXX XXXX. My bank, XXXX XXXX has informed me the wire transfer has gone through, but now 5 business days later there is NO sign of the funds in my account. 
I have filed a formal submittal to XXXX XXXX ( case # XXXX ) on XXXX XXXX. 
I got an automated e mail back, but absolutely no action over the past 2 1/2 days. 
I 'm very concerned that my {$2000.00} is lost and I can not get any response from Coinbase ( called the XXXX number, held for about 30 minutes ). 

Please help, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Mortgage

My name is XXXX XXXX - A Housing Counselor submitting the complaint on behalf of my client XXXX XXXX XXXX. 
XXXX XXXX received a loan modification at a XXXX event XXXX XXXX XXXX XX/XX/XXXX. The modification lowered her interest rate and lowered her payment, however even though XXXX XXXX was NOT behind on the mortgage, {$14000.00} was added to her principal balance. This was discovered after she received the final paperwork. 
XXXX XXXX has been trying to find out why her principal balance increased by contacting Citbank and XXXX her new servicer. Citibank refers her to XXXX. XXXX refers her to Citibank. 
I was able to obtain a payment history from Citibank for years XX/XX/XXXX which confirms her payments were never late. 
Assistance is needed to find out why {$14000.00} was added to her principal balance when her loan was " modified '' XX/XX/XXXX when she was not behind on her payments.
Product: Student loan

My loan is with a collection agency titled GC services. The only way the company will set my payments up is if I have XXXX references. They already have XXXX on file and I can not find another source who lives outside my home. There guidelines state you need XXXX outside the home so because I do n't have a third reference I can not start repayment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

ALLIED Collection Services ( Nevada ) attempted to collect {$610.00} for XXXX ( XXXX ) on a {$9.00} co-pay. 

The principal amount of {$420.00} went to collections after an insurance billing error. My insurance company paid the bill and XXXX zeroed out my balance. ALLIED claimed that I still owed {$190.00} in principal. After speaking with XXXX repeatedly and forwarding documentation, I was still told I owed XXXX {$190.00} - it turned out these were really ALLIED 's fees and interest. 

I still owed a {$9.00} co-pay, but ALLIED charged me {$13.00} to cover their interest and fees. 

ALLIED then asked me to pay a bill from XX/XX/XXXX, also for XXXX in the amount of {$56.00} - {$42.00} in principal and {$14.00} in interest and fees. I requested an original statement, since I was not familiar with this debt. 

I later received a phone call from XXXX # XXXX informing me that they reported this debt to the credit bureaus on XX/XX/XXXX, but I could receive a letter to remove both credit report items if I paid immediately. At the time of the call ( XX/XX/XXXX, XXXX PST ), this debt was 7 years, 3 months and 28 days old - past the statue of limitations for credit reporting. 

I asked to speak to the supervisor " XXXX '', but she was again in a meeting and unable to speak, so I outlined my complaint to XXXX. He was going to transfer me to XXXX 's voicemail, but it was a line that just rang and never picked up. I called XXXX back on his direct line and he immediately transferred me again, so I hung up and called XXXX again on his direct line and he did n't answer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 @ XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a XXXX. Contacted XXXX  in regards to the XXXX credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.
Product: Credit reporting or other personal consumer reports

Disputed 3 Times with XXXX, also send a letter to XXXX XXXX  for a copy of the signed agreement and purchase agreement with no response.
Product: Debt collection

I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service. 

So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to. 

Fast forward to today. 

ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE. 

I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS. 

So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt. 

So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill. 

Thank you for your time.
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

In XXXX, I was unemployed and self employed. I attempted to forebear some of my payments and Navient would not allow it. I filled out hardship and forbearance requests and was denied. In XXXX, received Loan Repayment Assistance from my former employer. The company would not let me make payments on defaulted Loan to avoid negative credit reporting. I have paid off one of my private loans in XXXX but was not allowed to make payments on the defaulted loan. The loan has since been charged off.
Product: Credit reporting or other personal consumer reports

There are inaccuracies in my credit report, such as incorrect addresses, and unauthorized inquiries. It's essential to delete this fraudulent information. Having experienced such issues before, I am diligently working to ensure the accuracy of my reported data. Despite my persistent efforts, I have not received a satisfactory response from the responsible organizations responsible for providing accurate and lawful information. Consequently, I am reaching out for assistance from a higher authority. Your prompt attention to this matter is highly appreciated.