23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX from Midland XXXX called early XX/XX/2018 at my place of employment and I told him to never call me at work again. 

Today, XX/XX/2018 XXXX has called me again at my place of employment. I again told him to never call me at work again and hung up. 

I have never used them before and I certainly would never use them to begin with. I have not received any notifications by mail that I owe them anything.
Product: Credit reporting or other personal consumer reports

Im XXXX  this company incorrectly reported my account as delinquent. They then reported my payment current for XXXX  but report XXXX XXXX delinquent. After learning this I contacted the company and on more than one occasion was assured it would be corrected. Apparently they had misapplied a payment but the information they reported was inaccurate. A supervisor agreed to remove all delinquencies. The account was closed. To date they have not removed these delinquencies. My account has always been paid on time.
Product: Checking or savings account

Im filing this complaint against south state bank, I tried to open a checking account in a branch in XXXX ga, I met by a financial advisor and the branch manager, I was made to feel not welcomed and was lied to by the financial adviser and branch manager, I explained I was a victim of identity and I should absolute proof of my situation, I tried to open an account online but I was told by the branch manager, there was no indication you couldnt open a account at the branch thats the first lie and then went into the branch, felt get uncomfortable I tried to explain what had happened to me but they didnt care then the financial adviser ran my information knowing I should then proof of my identity theft, the second comes in from the fact that they ran my information through XXXX, I sent an identity theft report to XXXX to remove inquiries because they were fraudulent and accounts there were no accounts, but I was treated with disrespect and made to feel just that bad and was lie to by both the financial advisor and the branch manager, I am a XXXX and even showed them my drivers license to prove and still was treated badly and nobody wanted to help, but the financial advisor said XXXX a decision had to come from the branch manager to open and account, both lied several times over this is the worst possible experience I have ever encountered, I even ask about second chance checking, was lied to about that, can someone please contact me and help me, I was coming from XXXX XXXX after they caused my identity theft.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several fraudulent accounts. Please remove these accounts as they are negatively impacting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/year>
Product: Student loan

I have applied 3 separate times for a loan for flight school with co-signers. Each time Sallie Mae has told me you are eligible for a loan but apply with a different more credit worthy co-signed. 

Each time the result is the same. No amount of income, lack of debt, or high credit score has changed this decision by Sallie Mae. Each time I am still getting denied. 

I have called and called and called Sallie Mae asking for help or guidance or information on their underwriting or approval guidelines and each time I am met with a generic statement of " we evaluate all aspects of the application for general creditworthiness '' or " we don't have specific guidelines ''. 

This " unknown '' underwriting and approval process seems very unattainable, misleading ( they lead consumers to believe these loans are attainable when they truly don't seem to be ), potentially predatory, and hardly seem compliant with Fair Lending Laws and Equal Credit Opportunity Laws. 

I get they have to XXXX risk and use their own proprietary model for scoring and approving, but to INTENTIONALLY withhold and prohibit willing parties with enormous post graduate earning potentially from bettering their lives seems very discriminatory if you ask me, and at bare minimum is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted XXXX XXXX XXXX XXXX XXXXXXXX ) to file a billing error dispute reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX  ) has moved these erroneous late payments on my credit report causing my credit score to drop significantly. 

These errors are not the same across the credit reporting bureaus, and have cost me denials on gaining any type of credit, I can not even refinance my home because of this. 
XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY
Product: Credit reporting or other personal consumer reports

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. These accounts have affected me in so many ways to gain credit cards, buying a house for my family and I find it very interesting that my personal information about my Child support is showing on my credit report inn way that is vary illegal not just being on there but it in a position that it's an instalment loan which is weird you can't borrow money for child support I didn't sign a contract for that amount of credit Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX : # XXXX Account name : XXXX  XXXX XXXX XXXXXXXX Account : name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX THESE Accounts are stopping me from buying a house for my boys I'm a single father who is trying to make a difference in my children 's life accounts like these have 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 an 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 or other personal consumer reports

XXXX and Equifax has a collection account for a XXXX XXXX XXXX that is on my credit report witch is stopping me from employment and other things I have asked for validation of this debt plenty of times they ignore and say that everything is accurate and I requested proof in written over the phone and online for over 6 months I have explain to them and the collection agency this account does not belong to me no one will provide proof of me owning this account and debt they are violating my right fcra law to a complete and accurate credit report I will like a investigation into Equifax and XXXX for fraudulent reporting of my personal information
Product: Credit card

We have been capital one members since XX/XX/XXXX, and last time we were approved a credit limit increase was in XX/XX/XXXX. They have been constantly denying our request with the reason of OUR AVERAGE MONTHLY PAYMENT IS TOO LOW. We pay more than the monthly payment and at times two payments a month and they are more than the monthly payments they ask for. We are tired of this company Degrading us with there observed reason on why we are Denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

When we paid off our mortgage, XXXX XXXX XXXX mistakenly marked it with a " significantly late '' payment and " Settled for less than the full amount ''. I called XXXX and provided documentation that that was false. They agreed and corrected their record. However, Experian has not corrected it at all. They have noted that they received the correction as of XX/XX/XXXX, but have done nothing. My scores with XXXX and XXXX are XXXX and XXXX, while Eperian 's is XXXX. They say that they have a different algorithm. However, there is nothing else to account for a XXXX pt difference in my score. It is affecting my ability to get credit and at what cost. When I called Experian, they dropped my call several times and always referred my back to " Member Services ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 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. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

This company portfolio recovery just keeps calling and calling me even though Ive already sent them information of hardship to them over the years but they keep bothering me about the debt And the numbers are always different where they call out of!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.
Product: Credit reporting or other personal consumer reports

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. 


I told XXXX, XXXX, and Equifax to reinvestigate the Account XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I recently was informed that I have various accounts on my credit report that I did not open myself or authorize. I also ended up filing a police report of having my ssn card, veteran I.D . and drivers license stolen sometime between XXXX - XXXX in XXXX. Obviously this would have been the reason for the fraudulent accounts. I have reached out the all 3 credit bureaus attempting to resolve this matter via phone with no success, so I have now filed the ID tfeft with the FTC, now cfpb, and also a police report. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and stop reporting of all fraudulent data involved in any Identity theft with-in 4 days of receiving such request and proof of such. 

These accounts and inquiries are : XXXXXX/XX/XXXXCredit Card Account : Account listed on credit report XXXX XXXX XX/XX/XXXXCredit Card Account : Account listed on credit report XXXX Credit Card Account : Account listed on credit report XX/XX/XXXXXX/XX/XXXX : Account listed on credit report XXXX XXXX XXXX XXXX : Account listed on Credit report Unauthorized Inquiries : US Department of Education : Inquiry dates XX/XX/XXXX and XX/XX/XXXX Factual Data Consumer Assistance : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX DC XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XX/XX/XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry dates XX/XX/XXXX, and XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XX/XX/XXXX: Inquiry date XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from the Finex Group, LLC Collection Services regarding a {$2800.00} collection for vehicle towing and storage that took place on XX/XX/XXXX. I called the Finex Group on the evening of XX/XX/XXXX, the customer service representative stated that the vehicle in question was registered to my name. The customer service representative informed me that the Finex Group had  proof the vehicle was registered to my name by the Department of Motor Vehicles ( DMV ). 

I went to the DMV office on XX/XX/XXXX. The DMV stated the vehicle in question was never registered to my name. I called the Finex Group again on XX/XX/XXXX, and informed them that the DMV has no record of the vehicle ever being registered to my name ; therefore, I was not responsible for the fees the Finex Group was attempting to collect. The representative stated they had proof that the vehicle was registered in my name from the DMV. I requested a copy of the document they were using ; the representative informed me that it could take 30 days to send the document and proceeded to hang up on me. 

I received a copy of the proof the Finex Group claimed they had via mail the week of XX/XX/XXXX. The document the Finex Group sent was not a document provided by the DMV. It was an " Notice of Pending Lien Sale for Vehicle Values {$4000.00} or Less '' form filled out by XX/XX/XXXX and was submitted to the DMV in  XXXX  of 2016. This document is not completed by the DMV ;  therefore, the Finex Group is using inaccurate information to collect a debt that I am not responsible for. Attempts to explain this to the Finex Group have been unsuccessful and they are still using the form submitted to the DMV as proof of ownership. This form can be completed by anyone and does not reflect actual DMV record. In this case, the form was completed by XX/XX/XXXX, not the DMV. 

In conclusion, the Finex Group is attempting to collect and report debt I am not responsible for to the credit bureaus which would damage my credit based on inaccurate information. The " proof '' the Finex Group has does not demonstrate that the vehicle in question was ever registered to by name which can only be confirmed by the DMV. The DMV has confirmed that the vehicle was never registered in my name.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. I never gave written or verbal authorization for these accounts to report on my credit report. I
Product: Debt collection

My XXXX was just recently final and I was in a very toxic, XXXX XXXX I had zero control of bills, emails or anything of importance. After I escaped and filed for XXXXXXXX I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my XXXX XXXX and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The XXXX credit reports are attached that show all these XXXX  cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

To whom it may concern while checking my most recent credit report, I noticed that credit card that i had paid off was not remove and some that was charged off where sold to some other company and where reactivated and put back on my report.
Product: Credit reporting or other personal consumer reports

Over the summer I went out of town and came back to find identity theft I noticed inquiries on my credit report that I never authorized and also accounts I have no knowledge of what they are in regards too, I submitted a dispute to Equifax and they denied on XX/XX/year> and said this information has to STAY on my credit report. Even tho they know its fraud ( I have a police report ). I would just like to resolve this matter ASAP as this preventing me from buying a home. I just dont feel like this is fair to punish me Im the victim here. Please ask them to remove these fraudulent accounts from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I paid a portion of my bill in XXXX XXXX and XXXX paid the reminder of the loan in full on XXXX XXXX and my account was still reported as 30days late during that process I get 15days to be consider late and my account shouldnt been consider 30days after my due day which is the 16th of every month
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXnquiry on XX/XX/year> Also XXXX  has yet to delete This is due to the data breach of equifax, we're my information was purchased of the XXXX XXXX 
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX  This account was asked for a re-investigation for accurate information and this debt was sold at account and the reporting agencies failed to report this information. I uploaded the proof were they did not cure the in accuracy and it must be deleted XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

Application for a credit card at XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. I received an alert about a hard inquiry, looked into it and seen a lender pulled my credit. Reached out to XXXX XXXX on XX/XX/2023, spoke to a XXXX and she did confirm someone did submit an application. I informed her of the situation, it was not I who applied for this application. She submitted it as fraud, cancelled the application, and confirmed the cards were not sent out. Only information she had to give me was Act ID # XXXX. I am now submitting a dispute to each credit bureau, froze my accounts, and submitting this to have my credit report fixed.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports