23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This afternoon at XXXX, I received a call from a phone number ( XXXX ). After I hung up, they called several times back to back. When I finally asked what they wanted, a woman responded that she needed to know where I was at so she can file papers to me, as I had a court order. I was stunned! I didn't know what I could have done for me to have a order against me. 

I was then told that I needed to call the number XXXX, and that my case number is XXXX. When I called, a man told me that he was from XXXX XXXX or something of that nature ( he went so fast I couldn't get the actual name, hence the phone numbers ), and he told me that I was going to be charged for fraud, and that I needed to either negotiate something with them or fight it in court. Obviously I was frustrated, and scared, so I said that I would take care of it with them. 

At first, my debt was around {$840.00} dollars, but then they said since I didn't get any paperwork it would be around {$660.00}. I told them I would do half on the XXXX of this month and the other half on the XXXX of next month. The process was weird ; first off I was misgendered SEVERAL times. I told the other individual that I was a woman and he kept referring to me as " sir '' even AFTER they recorded, which they said they needed to record since that was something they had to do. 

After I gave them my debit card information, and the conversation was done, I did a little research and I found out what they did was against the law! Not only that, but I also gave them my card number which is the main thing I'm worried about, as I am concerned this might be a product of fraud. 

I want them to delete all of my information, not process my card, and if I can get the same amount that they are pursuing, which they threatened to charge me with fraud, I would appreciate it. 

I am filing a complaint to my bank as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX  ), filed on ( XXXX  ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Checking or savings account

My device was accessed by a sibling who could bypass XXXXXXXX XXXX and was able to make transactions from my USAA bank account to XXXXXXXX XXXX and then out of XXXX XXXX to some other location. 

I have been ill lately and I take a XXXX XXXX at night. He stayed one day while I was asleep. He used my device when I woke up. He was gone and so was my money. 

I filed a file of complaint for the amount of date in question totaling around {$1400.00} and my claim was immediately denied. 

I submitted a police report along with my fraud claim, and I was still denied. 

Attempts to work with XXXX XXXX have been fruitless. Attempts to work with USAA our pointless I try and try again and am denied.
Product: Debt collection

repeated phone calls. my phone calls automatically go to voicemail. phone number XXXX calls multiple times per day and does not speak. i do not know what company it is. 
XXXX XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX XXXX 2020 XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XX/XX/2020 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX i work third shift and sleep during the day. my phone is set to go straight to voice mail during the day. this number calls repeatedly amd does not speak.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX, Transunion, And XXXX Via Certified Mail on XX/XX/2023 To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.
Product: Credit reporting

The debt belongs to my son, he is a junior. Because we have the same name an no suffix is stated, the placed it on my credit report. I reported it to the original company who were very helpful. They gave me the phone number of the collection agency, which I called, and they were very rude. They stated that they had no account information such as date of birth or social security number. I know this is not true because the original company and they had the information and recognized the mistake. They also said they would try to help out in correcting this error. However, it dropped my credit score XXXX points and I need it removed from my credit report. Please help me with this problem. The problem was that he had to use my mailing address because he was an XXXX. 
Thank you! 
XXXX XXXX XXXX
Product: Mortgage

We had financial hardships this passed XXXX and started the deferment procedures through Carrington mortgage themselves. Every time we sent in every document they asked for they kept saying it was incomplete. During this last time we called and they told us that the house is foreclosed and hey were going to sell it in XXXX. When they told us we could reinstate the dates on the reinstatement said XX/XX/XXXX. So now we have a week to come up with an unrealistic amount of money to keep our home and my wife is currently XXXX XXXX XXXX with our XXXX child and high risk.
Product: Credit reporting or other personal consumer reports

On my Transunion credit report I noticed an influx of inquiries on report. These inquiries are all fraudulent 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

There is a XXXX XXXX account on my credit report that does not belong to me. I have been disputing this with Experian for XXXX  years. When Experian calls the company, XXXX XXXX confirms that it is my account, ALTHOUGH IT IS NOT! Upon further review I realized that there are XXXX social security numbers attached to my credit report, perhaps the person whom owes the account has my same name ( I don't know but I'll give the benefit of the doubt ). I asked Experian to delete the erroneous social from my account, they claim that they did. I have called XXXX XXXX and Experian several times and I'm in a constant loop with no remedy in sight. I don't understand how or why XXXX XXXX does not ask for a social security card/proof before putting debts on credit reports. With that all of this could have been avoided. Please Help!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; TXXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize to open a line of credit with XXXXXXXX XXXX, my information was given to them without my authorization by XXXX technicians and used to open accounts with them. This resulted in a Hard Inquiry on my credit and a Line of credit showing up my credit reports, in which I did not authorized.
Product: Bank account or service

I applied to join XXXX XXXX XXXX for a home loan. They use a service called Chexsystems that has provided information to XXXX that I did not pass Chexsystems approval process and now I can not move forward with my mortgage loan at XXXX XXXX XXXX. I called the service and they will not review the infomraion they provided to XXXX with me preventing me form moving forward with my loan application.
Product: Credit card or prepaid card

Today, XX/XX/2023, I was alerted that a Chase Sapphire account was approved in my name. I contacted Chase to advise the application was fraud, and was told the account would be closed. I then asked for confirmation the hard inquiry would be removed from my credit report. I was told this is not their process, only that they would no longer report the account itself. This is in violation of the Fair Credit Reporting Act. In addition, I requested a copy of the fraudulent application submitted using my social security number as per the FACT Act, but was told I would have to go online to submit my request. This is a bank that Ive never done business with - I am not comfortable submitting any of my information online when Ive just been the victim of identity theft. I have contacted the three bureaus and placed a fraud alert on my file, but that does not protect my credit score with the unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX : XX/XX/ Consumer XXXX : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 a Auto loan with XXXX XXXX {$5600.00}, another autoloan with XXXX for bal. {$9500.00}, a phone line with XXXX XXXX {$1400.00}, and a lease for XXXX XXXX {$1900.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, XXXX and XXXX  Credit Bureaus. I explained the situation and submitted the required documentation. 
I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX XXXX XXXX  XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX XXXX XXXX XXXX XXXXXXXX **** XXXX : {$XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX 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 am writing to formally dispute the reporting of an account by XXXX XXXX  with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Account Details : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies.

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified.

3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately.

4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account.

2. Reques tXXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence.

3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately.

4. Provide me with a written response detailing the results of the investigation and actions taken.

Sincerelyn : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's Barclay 's Carnival credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from barclay 's website. It is now Middle of XXXX and I do not see this card anywhere on XXXX, XXXX  or XXXX. I have called barclay 's a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.
Product: Credit card or prepaid card

I make regular purchases on this account for my business in the sums of $ XXXX {$2000.00} and have done so for a few years. I always pay my bill early so as not to incur fees. 

This time I paid a portion of my bill electronically through my bank on XXXX in the amount of {$1500.00} Please see supporting documents. 

On XXXX you will see ALLY put a " Payment Hold '' on my credit card for {$1500.00}. This does not allow me to charge that amount on my card as they state they have not actually " received the payment '' .. 

I called on XXXX to see why I could not charge {$92.00} for business and there was not enough credit available ( please see supporting documents XXXX. I was told that they do not actually have the money and the account is not paid and this hold will not be released until the XXXX of XXXX. 

I want to know what they are doing with my money and why when I pay my bill it 's no longer actually paid ( this is a new thing they are doing ). I also do n't want them putting credit " Holds '' on my payment so I accrue more interest.
Product: Money transfer, virtual currency, or money service

Blockchain has a wallet I had when XXXX was XXXX coin now its XXXX and I can access my wallet I have my wallet id or address it keep sayin my password wrong but cant let me get in south my private key
Product: Credit reporting or other personal consumer reports

Request : Remove >Account 30 Days Past Due< from Pay Status. 

As you can see from the below payment history with supporting documentation, we have NEVER made a late payment on this account. EVER! 

Our loan was sold and Shellpoint became servicer ; we received our first statement from Shellpoint dated XX/XX/XXXX in XX/XX/XXXX. 

XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$2.00} XXXX XXXX Paid on XX/XX/XXXX ( see XXXX Statement for payment confirmation ) XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$290.00} XXXX XXXX Paid on XX/XX/XXXX ( see XXXX Statement for payment confirmation ) XXXX. XXXX Statement a. Statement Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$2100.00} XXXX XXXX Paid on XX/XX/XXXX but not applied by Shellpoint until XX/XX/XXXX : {$2100.00} ( see XXXX Statement for payment confirmation ) NOTE THIS PAYMENT WAS MADE XXXX WEEKS BEFORE XX/XX/XXXX DUE DATE AND ACTUALLY WAS IN EXCESS OF AMOUNT DUE BY {$25.00}. 
e. Additional Principal Payments made in XXXX : XXXX XX/XX/XXXX : {$230000.00} XXXX. XX/XX/XXXX : {$11000.00} XXXX. XX/XX/XXXX ( but not applied by Shellpoint until XX/XX/XXXX ) : {$620.00} XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$190.00} XXXX Payoff Demand Dated XX/XX/XXXX. 
e. Authorization to Close and Check for {$200.00} Mailed XX/XX/XXXX ( 15 day grace period and loan closed we are told by Shellpoint on XX/XX/XXXX ). 
f. In XXXX, by letter dated XX/XX/XXXX, Shellpoint returned our check in amount of {$200.00} because loan paid in full. 

As you can see from the foregoing, with reference to the attached supporting statements, we NEVER made a late payment and even paid early! Shellpoint can not seem to understand that our XX/XX/XXXX payment of interest and principal was for the amount due XX/XX/XXXX as shown on the XX/XX/XXXX Statement. 

The notation that this account had a payment delinquent greater than XXXX  days MUST BE REMOVED AND CORRECTED. We have never had a late payment on this account.
Product: Credit reporting or other personal consumer reports

XXXX has been reporting inaccurate information on my credit report for over a year. The company did not conduct a thorough investigation and fix the error and this has caused me financial harm. Since then XXXX has been sued for a wide range of student lending failures.