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

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$0.00} XXXX {$800.00} XXXX  XXXX {$71.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$720.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED
Product: Student loan

I had my tax return taken for a default in payment. My address changed - nothing was sent to me by email. The payment made was not reflected on my account and the information was not provided. I was in a forbearance collecting interest for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have a XXXX XXXX XXXX XXXX managed by XXXX for a number years and set auto payment to pay the monthly due at full. I recently changed the bank account for the auto payment and the payment went through on XX/XX/XXXX as scheduled, that was supposed to allow us to purchase using the credit cards. 

Our credit limit is {$54000.00} and the available credit before the XXXX payment was close to {$1000.00}. The auto payment of approximately {$30000.00} went through on XX/XX/XXXX and my bank online statement shows the payment was cleared. We were supposed to have {$31000.00} of available credit after XX/XX/XXXX, however, when I was going to pay an accommodation fee at a hotel in the amount of approximately {$1800.00} on XX/XX/XXXX, the payment attempt was declined. 

I called XXXX on XX/XX/XXXX and was told that the {$30000.00} of payment will be hold until XX/XX/XXXX as I changed the bank account, resulting in the available credit kept at {$1000.00}. This is unreasonable and unfair as I already paid {$30000.00} and I have right to use the available credit of {$30000.00}. I demanded the bank to fix the situation, but the bank said it would do nothing until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX not mine chapter XXXX been 7 years, needs to be removed XXXX XXXX XXXX not mine
Product: Money transfer, virtual currency, or money service

I received a payment of {$300.00} on XX/XX/XXXX through PayPal as part of my XXXX baby registry. PayPal has withheld the funds until now with no explanation other than under review and will not allow me to cancel the transaction and refund our friends or do anything. The money is simply sitting in PayPals account and they refuse to take any action.
Product: Debt collection

They are saying that I owe money that I don't owe. These are fraudulent claims.
Product: Credit card or prepaid card

On XX/XX/2021 I contacted Genisis FS Card Services/Indigo regarding fraudulent charges in the amount of {$300.00} which has impacted payment amounts, future credit, and credit scores. There were XXXX charges made to XXXX from my Genesis FS/Indigo Master Card. On XX/XX/2021, in the amount of {$100.00}, and on XX/XX/2021, XXXX charges in the amount of XXXX each made the total charges {$300.00}. All amounts were charged to my card ending in XXXX. Once discovered, this matter was reported to the credit card issuing company on XX/XX/2021. The credit card used for the transactions is no longer valid. I have never used XXXX services to purchase any items and never received any fraud alerts from the company. {$300.00} was transacted consecutively and as a customer of Genesis FS/Indigo, this activity was not routine according to my account history. However, the charges remain on my account and although the company states that I am not responsible, my minimum payment amount is higher due to the fraudulent charges, future credit, and credit scores have been affected. I am requesting the {$300.00} to be removed from my account while their investigation takes place. On XX/XX/2021, I made a minimum payment of {$40.00}. I have also contacted XXXX and shared my concerns regarding the fraudulent charges in hopes they will cooperate with the investigation to remove the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

US BANKRUPTCY XXXX XXXX XXXX XXXXXXXX. U.S. Bankruptcy XXXX XXXX XXXX. This has been reported by a third party company and not by the United States Bankruptcy XXXX in XXXX. An attached document has been provided by the United States XXXX Bankruptcy XXXX. 
XXXX XXXX # # # # # XXXX XXXX XXXX XXXX- # # # # # # 15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Yes XXXX credit XXXX credit report agency an experien credit card allowing other country to handle American personal information from they home how identity thefts come in at violating federal consumer protection allowing someone u can't see or handle your personal information using or personal information or even possible writing writing it down that's something half to be stop with these credit report agency an not updated or credit report scores illegally false information an violation not right not updated or credit score my credit is in good standard conditions how am I'm keep getting denied credit cards an loan 's how my identity got stolen allowing company to uptain or credit information I requested they company stop using home base system to uptain consumer personal information protect cyber security something need to be did about these companies doing united state citizens hire real company employees not other countries how stealing or personal information people you don't know have you're personal information u never know an XXXX  XXXX keep allowing it due to incorrect information on my credit report they need to fix this false information on my report
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Getting charged unnecessary late fees that the card issuer refuses to refund money on, because I was not getting my statements. Having unsavory treatment by customer service when I ask for details regarding my account including cycle ending dates ; being told I want to know everything about my account in a snide customer service conversation in or around XX/XX/XXXX by a man in a call center, it is my right to know about my account. My account credit limit was decreased below what the balance was. Also, recently as on XX/XX/XXXX I was not able to use my card for a very small purchase and I have credit on the account. Why am I not able to get my statements, learn of my account details and use my card without pushback. This is not the first time, as in or around XX/XX/XXXX or XX/XX/XXXX, my account was flagged unnecessarily, my account details for using cash advance option was hidden from me and the pin number I had was not properly reset, given to me and hidden from me knowingly by bad customer service reps to the point that I had to speak to a supervisor and I was asked in writing to keep using the card and given coupons. Why am I getting ill treatment? Please treat this account better and allow me to use it as I have credit on this account. Additionally, these accounts should take debit payments online -why is this option not available?! I had this account since XX/XX/XXXX and the XXXX  's rep did not inform me that she was processing a new account when I went to make a purchase and did not have my card on me. She closed my existing account in the process without my knowledge that I had since XX/XX/XXXX (! ) to open a new account so she could get the credit without informing me, when all she had to do was look up my existing account number in the system with the details I gave her! I was not informed that that XXXX 's was opening a new account and closing an existing account until I looked at my credit report -what a surprise! Please take the closed account off of my credit statement or transfer this account back to that one with the longer history. I was not informed of the opening of this new account and closing of the other -this was not fair treatment of a long-standing customer please correct this on my credit report! Please make this right! Thank you.
Product: Credit card

I sold my business in XXXX of 2013. The person who bought it from me never paid the practice and my lawyers are working on that. Ihad credit card debt with an American Express Gold card that I have hadfor XXXX years. I explained to phone counselors on several occasionsthat it will get paid, once the buyer pays me. 
A few days ago, and without any authorization from me, a women namedXXXX XXXX left a message on my husband 's office general voicemail which everyone heard saying that I had a credit card dispute whichneeded to be cleared up. 
Yesterday she CALLED MY XXXX IN XXXX XXXX TO TELL HIMTHEY WERE LOOKING FOR ME!!!! That is a complete and totalinvasion of privacy and, according to my lawyer a violation of theFederal Fair Debt Collection Practices Act. How could they contactmy husband 's son ( we just got married and I am mortified by this )? 
What 's next? Calling his ex wife?? His siblings? His parents?? 

What can be done about this violation?
Product: Debt collection

I don't recall having a contractual relationship with this collection company ( JEFFERSON CAPITAL SYSTEMS , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Checking or savings account

i have opened numerous rebuttals with chime for unauthorized transactions that had occured on XX/XX/XXXX instead they chose to talk in circles, tell me i have to wait at the minimum 10 business days to receive a " temporary credit '' however each and every time that it came closer to the date they gave me then my dispute was " closed because no error had occured '' i am now proceeding with legal actions against chime as well and i also expect my money back as i have provided every documentation that was necessary to deem that i was in fact protected under the law in which when fraud occurs on my chime checking account and via chimes terms and conditions of Regulation E " Unauthorized transactions '' Occured which means i am entitled to my money in full and i had emails from " XXXX '' which is the merchant in question stating they could not find the transactions and to take this up with my financial institution which i have on more than one occassion at this point since its the XXXX Of XXXX! Chime needs to be held accountable for the negligance and their complicity in the fraud that occured ; Give me my money back because you're not providing me with evidence to prove to me otherwise, each time i reach out on this matter as well i am told that i will be emailed with in 10 days ... .not acceptable
Product: Payday loan, title loan, or personal loan

Email Scam, unrequested documentation to sign for ACH payments. 
From : XXXX XXXX via XXXX XXXX which is the XXXX country code To : XXXX which is probably a fake, diverted email. Notice the " double XXXX '' in name. 
Message : " All parties have completed Please DocuSign : Recurring ACH Enrollment Form. 

Lendmark Financial Services thanks you for your business! Included herein is an ACH Enrollment Form, please carefully review, fill in banking information, and sign electronically. Upon completion, you may print the document for your records but you will also receive a copy of the agreement by email. If you have any questions, please contact our branch. 
Alternate Signing Method Visit DocuSign.com, click 'Access Documents ', and enter the security code : Available to Law Enforcement Upon Request
Product: Credit reporting

There are inquiries on my credit report that I 've never actually applied for and some I 've never even heard of.
Product: Credit reporting

I have been cleaning on my credit for over XXXX years. I have made all payments like clockwork to repair my credit after our crops failed and lost our company. I found a few errors on my report such as a noticeable XXXX XXXX XXXX stating that I opened and account in 2012. I did not. But, Equifax claims that it investigated. Funny how they ruled for the collection people in every case. Please help
Product: Debt collection

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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, credit repair services, or other personal consumer reports

Bridge crest has now incorrectly reported my account as open as of XXXX of this year and added a late payment for XXXX of XXXX. This account was closed in XXXX of XXXX. 

Its now showing it was closed in XXXX of XXXX. 

I want the fraud theyre committing to stop immediately. Theyve now damaged my credit again with their fraudulent practices. My score has dropped XXXX points because of what theyre doing!
Product: Mortgage

On XXXX XXXX my son, XXXX, and I were granted a loan modification agreement including an interest rate of XXXX percent. We have complied with the terms of the agreement making all monthly payments. On XXXX of XXXX we were sent another loan modification agreement offer, which we did not initiate. On XX/XX/XXXX, I rejected the new offer stating I wanted to stay on the loan modification agreement already in place. 
Because of this conversation, on XX/XX/XXXX, the mortgage company reversed the loan modification agreement of XXXX putting us back on the original loan of XXXX. 
We received a letter on XX/XX/XXXX stating we are in default. I contacted the mortgage company several times since then trying to get someone to see that this company made a huge mistake. Finally a dispute was started by a supervisor. I was advised to continue making payments, but that I would need to wire my payments from my bank. I am current with payments. I sent a dispute letter on XX/XX/XXXX and enclosed a copy of our loan modification agreement. We have received letters stating that that company was looking into the matter, that 30 days were needed and again that another 30 days were needed before we would receive a response. When I called to get updates, I am continually asked why I have not made payments and what has caused us to be in default. On XX/XX/XXXX, I spoke to another supervisor that assured me he would expedite the process to remedy this mistake. He advised me to call the following Monday for an update. He was not available and I was told that the company is still working on it.
Product: Credit card

i applied for a capital one credit card and was denied via email, there is no attachment, there is no letter there is no explanation of any kind form capital one. i have talked to XXXX supervisors at c/one and of course they wo n't provide any information. i checked all XXXX major credit reporting agencies and i have credit ratings over XXXX on all three, i pay my small balance two or three days after i receive statements, i just want to know why i have been denied and they are unable/unwilling to give me this information, i believe this is a violation of the federal lending laws, Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, nc XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX receiving payments from XX/XX/XXXX to XX/XX/XXXX.and refuse to tell the consumer me and my spouse who made and authorized the payments made.THIS IS FRAUGHT AGAINST THE CONSUMER .ALSO .XXXX XXXX. on foreclose account XXXX XXXX sold at Sheriff 's Sale for {$100.00} from CitiMortgage to CitiMortgage, and evicted me and my spouse, THEY are now reporting this account as open 1 month late on our credit reports.This account is no longer our responsibility, and we have not be compensated for our $ XXXX XXXX send the payment history for the account # XXXX that they lied and said they provided in their response date XX/XX/XXXX stating that no record of payment of receiving payments from XX/XX/XXXX to XX/XX/XXXX. 
WARRANTY DEED TO OUR LAND..Also this account went into default LAST PAYMENT MADE over 7 years ago evidenced by attached statement of reasoning by Judge XXXX XXXX XXXX filed XX/XX/XXXX with the courts, and should be deleted from our credit reports permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS YET TO PUT A FRAUD ALERT ON MY CREDIT REPORT. I FILED A COMPLAINT ABOUT TRANSUNION AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT. THEY ARE STILL ALLOWING PEOPLE TO INQUIRE ABOUT MY CREDIT AND TRY TO OPEN ACCOUNTS IN MY NAME AND USE MY SOCIAL SECURITY NUMBER. ON XXXX XXXX, 2017, SOMEONE USED MY INFORMATION TO TRY AND OPEN AN ACCOUNT AT XXXX XXXX IN UTAH. I LIVE IN XXXX PA. REMOVE ALL OF THE INQUIRIES ON MY CREDIT REPORT THAT I HAVE STATED PREVIOUSLY AND NOW. DO N'T TELL ME THAT NO ONE NEEDS MY PERMISSION TO RUN MY CREDIT ESPECIALLY IF I AM FILING A COMPLAINT STATING THAT THEY ARE FRAUDULENT. I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE INQUIRIES ARE GONE AND EACH TIME THERE IS A NEW ONE. MY NEXT STEP IS TO CONTACT MY LAWYER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this bureau this account as of today. Thank you