23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting

XXXX XXXX credit card does not belong to me. I never recieved the card and would like this removed from my TransUnion credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off in XX/XX/2017 in full and its reporting charged off on my credit report
Product: Money transfer, virtual currency, or money service

I pay my mortgage through CapitalOne direct pay monthly. I received a call from a debt collector informing me that my XX/XX/year> mortgage payment was not received. My mortgage company charged a late fee. 

CapitalOne has confirmed the payment was not cashed and have stopped payment. They are not refunding my mortgage payment so I can pay my XXXX mortgage. They say they apply a provisional credit within XXXX business days but they failed to provide a provisional credit. I have been contacting them daily and get the run-around about their formal investigation that can take up to 45 days. 

Their lack of customer service by their Customer Protection Resolution Team is unacceptable by holding my funds XXXX, not allowing me to pay my mortgage, incurring additional late fees, and being sent to a debt collector which can impact my credit rating.
Product: Payday loan, title loan, personal loan, or advance loan

I received notice from Aqua Finance in Early XXXX they would be taking over servicing of my existing loan from XXXX that originated XX/XX/XXXX. The Aqua servicing start date was notated as XX/XX/XXXX. 
The loan was interest deferred until XX/XX/XXXX ( XXXX  Months ). I was making regular payments ( {$1000.00} ) prior to the notice of transfer but ceased once informed. The previous company had issued statements on the XXXX of each month. When I had not received a statement by XX/XX/XXXX I contacted the Aqua Finance and spoke with XXXX. XXXX informed me there had not been and would not be any statements issued for this account until the next payment due on XX/XX/XXXX ( after the interest deferral had expired ). I informed him I must be issued a statement noting the amount of the loan remaining, the new account number, and payment directions. He assured me I would be sent one. 
As of today ( XXXX ) having still not received one I reached out again, and this time spoke to XXXX. XXXX said he had no record of a previous conversation with XXXX. He also told me there had been statements issued on XX/XX/XXXX and XX/XX/XXXX. XXXX is incorrect. 
He directed me to their website which is really intended for payments, I informed him I was not interested in paying via their website or service. When I found where statements should be available there were none. ( Screenshot of this page included ) I believe this company is making an attempt to allow me to try and forget about this loan so I am due the interest I do not want to pay. Since they have not provided me with a statement of account since they took over servicing, I believe they owe me additional deferment time as they are not presenting me the information for me to be able to accurately make my payments via my bank as I choose. 
Without a statement of account I can not confirm their billing cycles, the amount they have as the remaining balance, and where payments should be submitted. 
XXXX notified me he would be forwarding my complaint to resolutions, and someone would contact me back, however, since the information he has is not correct I am concerned I will not have a positive result. 
The original amount was {$15000.00} ; making {$1000.00} payments I was on track to pay the loan off in XXXX months, XXXX  months ahead of the expiration of the interest deferment. I now must make larger payments to avoid this due to Aqua Finances lack of proper procedure and disingenuousness, which is unfair to me. 
My last payment made to XXXX was XX/XX/XXXX, with the next having been scheduled for XX/XX/XXXX, it was cancelled as it would have occurred after the Aqua Servicing start date of XX/XX/XXXX. 
I believe Aqua Finance owes me XXXX  months of deferred interest from whenever they are able to provide me with a statement of account that arrives in my mailbox.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that does not belong to me I would appreciate it if they were validated and removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my XXXX month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down XXXX points for the last several months.
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for XXXX XXXX XXXX, four Social Security number is XXXX, XXXX : XX/XX/XXXX Please delete the following accounts. Xactus LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX - XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXX  XXXX bankruptcy dismissed # Reference number XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. XXXX666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Today I checked my credit profile and found some data that can not be verified and information that is not accurate these items are not being reported as 100 % accurate and correct! As we know this is against the laws that protect all consumers to report any information, data, collections, or accounts that have not been proven to be 100 % accurate. The fair credit reporting act it say that every single thing on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent collections on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue Experian for {$6000.00} in federal court and I can sue XXXX for {$6000.00} in federal court which is {$1000.00} per violation!
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 Bureau 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 : 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 XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

I financed a new car through XXXX XXXX XXXX. I entered instructions for the first payment with my Huntington National Bank checking account through XXXX XXXX a month in advance. On XX/XX/2023, my bank sent the following message : This message is to notify you that your XX/XX/2023 payment to XXXX XXXX XXXX XXXX XXXX has been delayed ( or future-dated ). This item has been identified as a possible fraudulent item and is being investigated. Please contact us at XXXX. The bank representative said that I needed a " case number '' that I should have received through an email. I explained that I didn't get the email. The representative walked me through searching for the needed information. That did not work. After several similar phone calls and requests to verify information, the bank refused to help me set up payments. The payment on my car is now past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries from my credit report are one 's I don't recognize as they were not done by me. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called aidvantage on XX/XX/XXXX to request a refund for payments that I made during COVID in the amount of {$1700.00} that was paid in 11 separate payments made in XX/XX/XXXX of XXXX through XX/XX/XXXX of XXXX. I talked to XXXX, who was really nice and said it would take 7-10 days for the balance to be reflected on my account and then 4-6 weeks to receive the refund after that. She gave me a confirmation ID XXXX. After 7-10 day mark I notice there were no changes to my aidvantage account so I called again on XX/XX/XXXX and spoke with XXXX for an update on my account situation. She reiterated the same spiel and said to wait a couple more weeks then to call back. I checked my account often and did not notice any changes to my account at all and decided to call a third time on XX/XX/XXXX. This time the rep I was talking to made her name inaudible that I couldn't really hear what it was, but basically said to keep waiting. I asked where in the process is my refund at and she couldn't even tell me if it has been approved by aidvantage or the government treasury department and seemed to be responding off of a transcript. I frequent the XXXX forum and saw that there were people who called after XX/XX/XXXX and gotten their refund and account to reflect the refund already so I was confused as to why they seemed to be picking and choosing which accounts were prioritized which is not fair. This is why I am filing a complaint to the CFPB.
Product: Credit reporting

The status of my XXXX XXXX XXXX account was erroneously changed. This account is PAID IN FULL. Equifax was reporting this correctly and it suddenly changed to " late '' status.
Product: Payday loan

I spoke to someone from a collection agency about a payday loan I collected in XXXX XXXX, 2011. I did n't have a payday loan during that time. But the people had my Social Security # and the XXXX in 2011. 

I not sure what is happening, but I think I a part of a scam or misappropriate information. I think they are trying to file some kind of legal document to collect. I never received any paperwork in the mail, but they had my telephone number and said they were going to file a for my arrest. I did n't see anything on the bankruptcy about a payday loan. 

The number to the place that called me is XXXX and its called country court and litigation.
Product: Credit reporting or other personal consumer reports

The account was in a negative static and i paid the account in full in then and the account haven update. there is XXXX different company 's that I was redirected to report to Comennity Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original company Victoria Secrets. This account is continuing to being sold to other agencies even after it has been paid in full. 

The account was paid in full in XX/XX/XXXX, As shown on the payment conformation letter that I am uploading. However the last payment date on the credit report is showing for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries from taking in the month of XX/XX/year> ( XXXX, XXXX ) from a variety of auto lenders. These inquiries occurred in XXXX. I do not live in XXXX, nor have I ever lived in XXXX  or attempted to buy a vehicle. Please help remove these.
Product: Credit reporting or other personal consumer reports

my wallet stolen and many bank accounts credit cards debit cards are open in my name that i never had done
Product: Checking or savings account

i opened a checking account with Citi bank. a few weeks later the blocked the account and put it under investigation. This could've happened in XXXX XXXX. They said my account will be closed in 60 days and that whatever balance I had with them they will mail a check. well now it's XX/XX/XXXX, and the account was not closed yet. after so many attempts to call them and close it im just leaving it up to the cfpb now. I don't remember my debit card number or account number with them but they can access my account with my SSN number which is XXXX... hopefully, this could finally get the account closed and my funds sent out to me
Product: Credit reporting or other personal consumer reports

I have XXXX account and XXXX inquiries on my credit report. 

Account XXXX. XXXX XXXX {$2400.00} Inquiries XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Credit card or prepaid card

Commenity Bank purchased my credit card from XXXX XXXX They did not issue me a new card or let me know this was happening. As such, I have no access to their online system to view statements or pay my bill. I have told them I need access and still have yet to receive a card or be able to access statements. The bill is currently past due and is being reported to the credit bureaus as late. This has negatively impacted my credit score. Prior to this I had 100 % on time payments to this card and all other creditors on my credit reports going back over 20 years.
Product: Credit card or prepaid card

XXXX XXXX credit card was stolen and purchase was made at XXXX in XXXX Pennsylvania on XX/XX/2022 the stolen credit card was used at the XXXX  in the amount of {$530.00}. 
A police report was filed with the State Police of NJ. 
The credit card company sent text messages to my cell phone alerting me of fraud and I replied No, to not approve the charges. The card was frozen and closed but the charge was not removed from my account.
Product: Credit card

Capital One has ran my credit several times without my permission which has affected my credit due to the inquiry. I have at no time applied for or had an account with Capital One. I have written them on several occasions stating this and requesting removal of the inquiry yet they refuse to remove it and each time send me back an automated response about them having access to my credit file for promotional purposes. Well that is a lie because I have restricted and opted out of all credit card screenings. This is my last attempt for Capital One to remove the inquiries before I have to seek further action.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC1681s-2 as of current sit in violation of the furnishing on consumer credit report. As XXXXXXXX XXXX Address reported is indeed inaccurate currently in dispute with inaccurate reporting with credit bureau. These persists error have place me Financial in distress. Accuracy has completely been disregarded on furnishing credit report. Seeking remedy for willfully reporting such inaccuracy.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I don't have a contract with this company. thy did not provide me with the original contract as requested. 


I did not authorize hard inquires from XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Although I have explained to   XXXX   XXXX   that I do not have an account  with Mariner Finance and s he should stop contacting me and is harassing me, she has failed to furnish me with proof of an account as required by law, conducted   XXXX   credit inquires of my credit report u nlawfully without my authorization, and continued to call me at least 23 times each one  unlawful.   XXXX   XXXX   works fo r Mariner Finance ,   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  PA  XXXX , (  XXXX  )  XXXX .