23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collector, Western Portfolio Assets, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score. I then called the three Credit bureaus, XXXX, Equifax, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX  XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
Product: Student loan

I have attempted to work with Navient several times to lower my payment due to hardship ( STD, and the fact that I am a single mother- head of house hold ) attempting to pay back my debt, but my student loan repayments on their income based repayment plans are more than 50 % of my monthly income. I am now in debt with creditors, can no longer afford my mortgage and even groceries are a struggle. I would never have gone back to school had I known I would not have been able to afford to live and provide for my children with this level of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fruad alerts from my credit files and name immediately.
Product: Student loan

I met the requirements for the ability to benefit to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. We can not continue to let our politicians get away with this type of behavior. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit report that do not belong to me. Please remove them. Thank you.
Product: Credit card or prepaid card

It has come to my attention the CITI group is actively attempting to interfere with rights guaranteed by the Constitution ( 2nd Amendment ) by manipulating or denying service to certain entities or transactions that are protected by the Constitution. I do not expect CITI group, or any other financial institution to be controlling the nation 's activities through such unpatriotic and un-American behavior. I do expect CITI group to tend to the business of their business and stay out of the business of social tyranny.
Product: Checking or savings account

XX/XX/24 XXXX PST : I try to log into my Ally Bank account and discover that it's locked. I call the phone number provided by the app and get forwarded to the fraud department and wait on the line while Ally attempts to verify my ownership of my other financial accounts. The Ally representative tells me that I will hear back from them soon. 

XX/XX/24 XXXX PST : I try to access my account again and discover that it's still locked. I called the number provided and this time the Ally representative informs me that they are not allowed to discuss my account if I have been forwarded to the fraud department. 

I had a XXXX  of my paycheck direct deposited into my Ally checking account to test out their services since I am looking for a new bank. Now a decent portion of my income is frozen and I can't pay rent. None of the XXXX other financial institutions that I'm testing out froze my account and Ally won't tell my why they decided to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation Of Fair Credit Reporting Acts 15 U.S.C. 1681 Section 602A Stating That I Have A right to privacy and 15 U.S.C. 1681 Section 604A Section 2 stating that a consumer reporting agency can not furnish an account without my written instructions. Experian, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX Account Number : XXXX XXXX/XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

According TO PER USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK AND REMOVE THE FILES. INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 I DIDNT AUTHORIZE THE XXXX XXXX XXXX UNDER15 USC 1681C-2 PLEASE BLOCK AND REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8200.00} ; Inquiries XXXX XXXXXXXX Date XXXX XXXXXXXX  Inquiry Date XXXX XXXX XXXXnquiry Date XX/XX/XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX  Inquiry Date XXXX XXXX XXXXXXXX Date XXXX XXXX Inquiry Date 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have been receiving calls from different numbers for several years. The latest is from XXXX, leaving a message that they are Concord and trying to collect on a debt. They want me to call back to XXXX. 
I also receive calls on my cell phone but they don't leave a message. 
I do not owe Concord and have never heard of them. I don't have loans outstanding!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wednesday XX/XX/2022 XXXX  XXXX XXXX - XXXX XXXX XXXX  I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. 

Wednesday XX/XX/2022 XXXX  XXXX XXXX  - XXXX XXXX XXXX Submitted claim to Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wednesday XX/XX/2022 : Claim Denied by Wells Fargo.
Product: Student loan

the original student loan was taken out in XXXX, they have kept these loans on my credit report since XXXX! They are absolutely abusing my credit history! 
XXXX flagged my report 4 times in 4 weeks greatly hindering my credit score and life. 
I want them to cease and desist immediately and due to their abuses Im seeking forgiveness for their debt. 
XXXX I'm seeking due to covid 19 I've been isolated since XX/XX/XXXX unable to work and am now XXXX on below poverty level living so I'm seeking a removal from my credit report and requesting minimum two year hold on reporting to the credit bureaus, to allow me to stabilize my life,, so that i can pay that debt.l
Product: Debt collection

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, XXXX : XXXX ; XXXX :XX/XX/XXXX The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, Equifax, XXXX, XXXX reporting agencies, block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false information accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Discover closed my credit card account for inactivity. I had used it in XXXX XXXX for a cash advance. They closed my acct. in XXXX XXXX. Previously the card was inactive from XXXX XXXX until XXXX XXXX and it did n't get closed during all that time!! Makes no sense. It 's embarrassing, affects my credit score and is inconvenient for me. Can you help?
Product: Checking or savings account

It started several weeks ago ( mid to late XX/XX/2023 ). My wife and I live much of the time in XXXX. I am XXXX and my money is in the XXXX. I have a bank account in XXXX and replenish it using XXXX a money transfer company. XXXX instituted new controls and after repeated attempts on my part to send them the documents they needed they still claimed they could not read the documents and they dropped my account. I appealed that but it took several weeks to get reinstated. My XXXX funds deposit money monthly into my Wells Fargo account. I could not access my funds because I share my XXXX phone ( which Wells Fargo uses to send a verification code ) with my son in XXXX, and my son can not be reached. I had earlier tried to order a secure number generator and was told by the phone rep at Wells Fargo that it was more or less hopeless to have one sent overseas. I tried to reason with WF to send a code to my email and they refused. We then requested one of my wife 's friends in the XXXX to order us a SIM card and we had it sent to us via XXXX. After receiving the SIM card I found our account was still blocked. I called WF numerous times ( I would estimate at leat 20x ) talked with customer service in XXXX, and in the XXXX. The Fraud Department in XXXX, the Fraud Department in the XXXX, the 'Account Takeover ' group in the XXXX . On one Saturday I spent over 11 hours on and off the phone with WF. Each time they told me my account is unblocked. Finallly a few days later again spoke with WF in XXXX and one of the customer service reps checked some other data base and said the problem is that our new phone number must be verified. She told us she initiated that procedure on our behalf and that the procedure would take 3 days but 'to be sure ' wait 4 days and try again. Tried again on the 4th day and again transaction would not go thru. Called WF again, asked to escalate to a supervisor. Supervisor said the procedure takes 5 days and wait till end of day XXXX Monday. I just waited till past XXXX Pacific time tried again and account is still blocked.
Product: Payday loan, title loan, or personal loan

bank denied me personal line of credit to help with financial hardship, even though I get {$6000.00} - {$7500.00} deposited funding throuhg my checking account every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One has violated my rights under 15 USC 1681 section 6O2 states I have the right to privacy. 15 USC 1681 section 6O4-A Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B 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 reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Equifax has assumed the role in assembling and evaluating consumer credit, it is their duty to ensure that a consumer 's right to privacy is respected. It is imperative that a consumer reporting agency adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
With the recent data breach and inaccurate scores being reported by Equifax, I am demanding the deletion of my credit file with your company immediately.
Product: Payday loan, title loan, or personal loan

I Received An Email Stating That I Had Been Approved For A XXXX $ Loan On XX/XX/2018. And In The Email Were Some Of My Credentials, But I Never Signed Up Nor Placed An Application Myself Personally With XXXXd/b/aXXXX. Email Said I Would Be Receiving Funds On XX/XX/2018 But I Dont Want My Bank Account To Start getting Charged Interest Rates For A Loan I Didnt Apply For. I Dont Want This Stuff On My Credit History Report. I Think I Am A Victim Of Identity Theft
Product: Credit reporting or other personal consumer reports

This is fraud and this is identity theft i have reached out to the credit bureaus. i have been sending disputes to these company in regards too accounts not being mines. Also there are ALL inaccurate on my credit XXXX XXXX XXXX XXXX  balance {$60.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted through Experian Disputing Services on XX/XX/year> with purpose to have a fraudulent account removed. I've requested Debt Validation, Permissible Rights Signature, Original Contract, and to have fraudulent information removed from my consumer report if XXXX XXXX XXXX wasn't able to grant said documents.

Failure to produce said documents above are violations of, 15 US Code 1681, and should immediately be removed. I ( consumer ) am attaching also a identity theft report to further address the violation of improper furnishing of reports to a consumer credit profile. 

Further violations will result in arbitrary actions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 s proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I used to sell on XXXX and receiving funds to PayPal, my paypal email address is XXXX PayPal closed my account 6 months ago with over $ XXXX holding from my account and I logged on my account a few days ago and found out that PayPal had transferred all my funds to themselves without any notice / email while they sent me an email earlier said I would be able to withdraw the balance in 180 days ( email attached ). 

No explanation why they took my funds out. I never wronged PayPal. Never had a negative balance. They just decided not to support my business anymore which I had no choice but to agree to as nobody would respond back to me why my account was limited. I was fine with it and moved on. Then they decided to steal the funds out of my account. It is not acceptable. 

I never caused any damage to them, or the funds would be reversed already I would require PayPal to return my money and if it doesnt come with resolution I am debating going to the media to investigate this and I will begin the process of taking PayPal to arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's transunion, XXXX, XXXX. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$31000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX