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

I had taken out a free trial for XXXX $ with experian two different memberships I was charged for {$29.00} which came to XXXX  $ per month. I called in an cancelled both memberships it was never cancelled and I was charged forXX/XX/XXXXand XX/XX/XXXX. I just noticed on my credit card billing the lady I spoke with onXX/XX/XXXX was never cancelled they just told me again onXX/XX/XXXX that it was cancelled and only refunded me one month when I was charged for 4 payments of {$29.00} on both memeberships I want my refund for XXXX $ to be reimbursed. I called in I know calls are recorded and experian did not do their part of cancelling the service and giving my credit like she told me in XX/XX/XXXX. my confirmation number they just gave me is XXXX and I had a confirmation from XX/XX/XXXX but didnt keep it the ID # XXXX and XXXX
Product: Debt collection

A debt was listed for collection by a XXXX XXXX XXXX, XXXX for {$3000.00}. It is from a company called XXXX XXXX XXXX XXXX XXXX. The date of delinquency is listed as XX/XX/XXXX and not reported till XX/XX/XXXX on my Equifax credit Bureau. I disputed this but they refused to remove this from my credit history. 

I NEVER had a loan nor used the services of XXXX XXXX XXXX. I never got one phone call nor letter in the mail. I believe this is a scam on XXXX XXXX XXXX. This is not my debt.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX A collection was place on my credit report from the above company without my knowledge, the opening date reported is XX/XX/2019 in the amount of {$370.00}. The account is being reported as opened and is being updated. I am unaware of having any agreement with the above company, I also was not made aware of this debt. If in fact you believe that I received proper notification of this debt please provide me the certified mail signed by myself and also the method of validation. Furthermore, the statue of limitation to collect this debt has expired in the state of New York.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX " Dept Of EDXXXX '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of EDXXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 Account # XXXX x XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXXXXXX Balance : {$53000.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on both XXXX  and XXXX  are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Bureau ( Optimum )
Product: Checking or savings account

An account was made on XXXX, a merchant I have never used before in my life. Over the course of 24-48 hours, with my personal information and card information, approximately {$2400.00} was unlawfully taken from my account with no authorization from me. 

I contacted Wells Fargo, they reimbursed me. Now 3 months later without hearing a word from them they took the money they gave me back, and will not allow me to submit any further proof or information to support my case.
Product: Debt collection

This dispute is in response to my discovery of a collections account on my credit reports from Diversified Consultants to collect a debt that I contend was not opened by or authorized to be opened by me. This is the second time that I have submitted a complaint regarding this account. The first collections attempt was via XXXX and it was removed from my credit report. I have filed the attached identity theft affidavit regarding this account and will also submit a fraud report with XXXX XXXX XXXX. Furthermore according to my credit report this collections account was added to my credit report on XX/XX/XXXX ; however as of XX/XX/XXXX I have received zero correspondence from Diversified Consultants informing me of their efforts to collect a debt, name of the creditor, amount owed or that I can dispute the debt per my rights under the Fair Debt Collections Practices Act. Also the Fair Debt Collections Practices Act, Section 609 ( a ) ( 1 ) ( A ), states XXXX XXXX XXXX / Diversified Consultants is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. That said I require verifiable proof ( the original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX  Mobility / Diversified Consultant immediately remove all collections reporting entries from my credit report and cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper validation or verification has negatively impacted my ability to obtain credit and as a result I was rejected for credit. My next course of action will be contacting XXXX XXXX XXXX leadership of this violation of the FDCPA up to and including the CEO and Board of Directors and will purse litigation if this is not removed from my credit reports. If verification is not received within 30 days of this dispute under FCRA 15 U.S.C. 1681, unverified account reporting must be remove from all of my credit reporting agency report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing multiple accounts on my credit report and I haven't seen any responses from XXXX or Transunion. It almost seems like they're not taking anything serious currently. I would just simply like them to remove these accounts that are not mine. It is going on six months of no responses from this, I will attach all my letters to this complaint to prove my struggles with them. I'm just trying to move forward with my life and these accounts are hindering me from getting a new home and new job opportunities.
Product: Credit reporting or other personal consumer reports

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Elan Financial Services has allowed an unauthorized inquiry on my XXXX credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to Elan financial services via certified mail today to an address that is found on their website. I let them become aware of what it is i want and the current situation. In the letter i also let them know that i would be copying the cfpb so it would force them to respond. Thank you!
Product: Debt collection

I have been receiving repeated phone calls from this debt collector attempting to collect on a credit card debt from a company that I resolved the issue with over 10 years ago. I have advised them verbally on recording from them and myself and in writing ( delivered certified mail and signed for XX/XX/2018 at the front desk to cease and desist and to validate the debt. I have continued to receive phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : WestlakeCustomerCare XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a SUV financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was 0 for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be  contacting my senators office. Until I find someone that understands that Im XXXX  and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : false information sent to credit report XXXX XXXX   XXXX , Westlake reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with XXXX XXXX not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

I've sent 2 identity theft report XXXX of XXXX  and XX/XX/2023, I provided them with everything they requested and I'm still getting ignored. So here is goes. US BANK IS OBLIGATED BY FCRA TO REPORT ACCURATE ACCOUNTING THE CONSUMER HAS ADVISED ALL THE FRAUD. THE COMPANY ACCORDING TO LAW TO REMOVE SUCH ITEMS, FTC FRAUD REPORT WAS FILED ON THE BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING US BANK TO PROVIDE THE DOCUMENTATION USED TO DETERMINE EVIDENCE ON THE PUBLIC AND PRIVATE SIDE WAS INDEED AUTHORIZED BY THE CONSUMER, US BANK HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON SPOKEN TO, DOCUMENTATION USED, SIGNED WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR AN E-OSCAR REPORT. IF US BANK DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER SEC TO FOLLOW CERTAIN RULES. US BANK COMMISSION NUMBER XXXX, XXXX XXXX XXXX XXXX, MINNESOTA, XXXX. DEBT SECURITIES ISSUED U.S. BANK ASSOCIATION. TRUST SECURITIES ISSUED BY XXXX XXXX XXXXXXXX. FIXED TO FLOATING RATE PREFERRED STOCK ISSUED BY XXXX XXXX XXXX. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMER ACCOUNT. US BANK IS SECURITIZING CONSUMER DATA YET REFUSED TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. BY : XXXX XXXX XXXX, XXXX.
Product: Debt collection

ECMC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA The above tried to call me repeatedly in 2015 to " enroll '' me in a student debt program- I REFUSED. I did not have any money, was living with my mom after a natural disaster. They used robocalling for over a year to try to get me to enroll- posted erroneous payments then placed several debts on my credit. I now have NO documentation of my loans and I am locked out of the US Dept of Education website. They keep adding money to these " Loans '' but reporting it as " personal loan '' not student loan. And I have NO agreement I ever made with them because I thought they were a scam when the abusive repeated calls started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX  XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/XXXX XXXX
Product: Checking or savings account

Hi on XX/XX/XXXX i made a deposit at the chase atm and the machine ate my money, it was XXXX, i filed a complaint with chase and they refuse to refund me full amount, they only refunded me XXXX and stole the rest, i did not deposit XXXX, i deposited XXXX
Product: Debt collection

I recently obtained my credit report and it shows a collection from National Credit Systems , Inc . I was never notified of this collection and I do not believe this debt is accurate. 

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with National Credit Systems. They did not provide me with the original contract as I requested. 

Also, under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. I am requesting that National Credit Systems Inc please provide me with a copy of all the following : 1 ) Documentation that shows that I agreed to pay this debt with my signature and documentation that shows I gave them permission to have my information and paperwork showing I gave them the authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and I am reporting them for such. 

Please see attached letter for full details of my dispute with National Credit Systems , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Respectfully request good will reporting to remove neg remarks on my credit account. account was paid off in full. Company keeps putting me on hold and not returning calls or written correspondence.
Product: Mortgage

My mortgage was just recently sold to Planet Lending in XXXX, I believe, after I refinanced with XXXX XXXX. My payment was XXXX. XXXX may have been the first payment with Planet Lending. The payment was XXXX. In XXXX it was XXXX and now it's XXXX. What is going on with my payments?? It's changing without any explanation. When I called to make sense of what possibly could have been estimated almost $ XXXX incorrectly, I was told the escrow estimate had not been done and wouldn't be done until XXXX. So, why did my payment increase like that? After 23 years of owning a home, I've never experienced that type of escrow adjustment and with no explanation. This has to be an error or someone's huge mistake. While this payment is not creating a hardship, I agreed to a certain payment. {$240.00} more is not what I signed up for and I want this corrected but received zero information or assistance when I called the company.
Product: Mortgage

back in summer of XXXX got behind because of wifes health owed two payments so they set me up on repayment plan that added XXXX more dollars for six months well i paid three payments then another medical problem couldnt pay so they put me behind two payments sent me letters of forclosure so i contacted them so they set me up on another six month plan raised my payment XXXX, XXXX again piad four payments had brother dieing in texas call the bank told them would make payment on XXXX paid payment they sent me statment saying i was two months behind both times i dont know where extra money went so i ask them but no reply so i barrowed money to catch up sent them XXXX to catch up so when i pulled it up on line showed i paid XXXX XXXX XXXX XXXX XXXX so i called them they said dont worry it was applied my payment was XXXX amonth so i got statement for XX/XX/XXXX.00 cant afford that dont want to loose my home iam a XXXX vetran need help they also charge me XXXX for mortgage protection i ask what was that was incase i die before mortgage is paid off i asked if that paud off mortgage they said no so im just giving them an extra XXXXamonth for nothing so i would like help if possible respectfully sumitted XXXX XXXX .00
Product: Student loan

I have Private Student Loans with Kentucky Higher Education Student Loan Corporation in XXXX, KY. I can not make the XXXX $ payment per month and they have threatened to take my taxes and garnish my wages. I have no other options but to default on the loans ... I am at a loss and need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX for a bankruptcy that was reported on my credit report and was notified by XXXX that this dispute was received and opened on XX/XX/. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the XXXX XXXX account was removed as well. The XXXX XXXX  account should have been removed as well as the XXXX XXXX  account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.
Product: Credit card or prepaid card

I saw the promotion for AmEx Cash Magnet credit card, which allows up to {$300.00} back, that I will earn XXXX for spending XXXX for the first 6 months, and 10 % back up to XXXX for purchase in the U.S. supermarkets. And the protional 0 APR for the first 15 months. 

So I applied for this card around XX/XX/XXXX, and spent around {$4000.00} in the first two months. I did not receive any reward. 

I called the customer services, and then they told me my welcome offer is cancelled. They did notify me in any format, or I will not spend XXXX on this card, I could have used other cards. Not to mention they also cancelled my promotional 0 % APR, I did not know that, so I did not pay in full for the first month which means there is a possible interest I need to pay. 

I would Not apply for this card without the special offer, you can not just cancel it without notifying me and just expect me to read the whole disclosure, that is RIDICULOUS! I need an explaination for the offer I lost and the interest I may need to pay!!!
Product: Money transfer, virtual currency, or money service

The unauthorized transaction is on Paypal, the amount is XXXX {$1000.00} on XX/XX/XXXX. 

In the afternoon of XX/XX/XXXX, I received a verification code for login in the Paypal. I didn't wake up that time, therefore someone tried to login in. Since I received the code I would say I have enabled the double-verification. However, he ( she ) still managed to login in, and my password might leaked since all my password was same. 

The transaction is on XXXX, Paypal provided the delivery address. Though it ' in MA, but I never leave XXXX ( I am a student in XXXXXXXX XXXXy ) I have reported to Paypal, but Paypal refuse to refund and didn't proivde any reason.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Delaware XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX