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

I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a XXXX veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.
Product: Debt collection

I am XXXX. 
Faxed letters dated XX/XX/XXXX, XXXX, and XX/XX/XXXX informing CB1 Collections to cease and desist all contact and that I would only work with the creditor. I have received repeated phone calls have been made to me on XXXX, XX/XX/XXXX, XXXX, and again today on XX/XX/XXXX. The individual who called me today said his name but I had to ask him who he worked for. After he told me CB1 Collections, I hung up. I attempted to fax CB1 Collections another letter after they called me this a.m. However, I received an unsuccessful fax transmission notice ... CB1 Collections should be fined for violating the FCRA and noticed to stop calling/contacting me, period ... I have made repeated attempts to contact the creditor via fax, email, and mail without any response from them regarding settling the debt too ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX. Balance : {$5600.00} XXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The original mortgagee, XXXX XXXX, was adjudicated incapacitated. I was appointed by the Supreme Court XXXX XXXX XXXX NY to be the Guardian of her property. I closed XXXX 's personal accounts and open Guardianship accounts. Her HELOC was automatically deducted from her personal acct. I send my Commission to Guardian to Bank of America mortgage department in early XXXX. I still do not have authority to have the payment automatically deducted from the Guardianship account and she is being charged interest and fees and is getting letters about foreclosure. 

All aforementioned accounts were at Bank of America, which accepted the commission, closed the personal accounts and opened the Guardianship account. It is only the mortgage department, which is making money on fees etc. and therefore has an interest in not accepting the papers, that is not giving me access to the account. 

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

Disputed an account to Equifax on XXXX XXXX, which belong to Ex-Husband and asked that it be removed as I had no financial responsibility on his account. Account remains verified as authorized user on my credit file. I would like it to be removed.
Product: Payday loan, title loan, personal loan, or advance loan

Ive been doing business with this company for a long time I paid off a previous loan I had with them yesterday during that conversation. I asked if I could re-loan and they told me yes that Id had to wait 15 to 30 minutes before I could so the payment can process I did that I called they did a new application. They preapproved me for {$900.00} and then they said well we need a copy of your drivers license. I sent them a picture of my Michigan Chauffeurs drivers license enhanced the passport one and they came back to me and told me that they could not accept that I even sent them my Michigan CPL ID that has my picture and all my info still denied me. Told me I needed a state ID or a passport and I explained to them my drivers license has all that Im not going to obtain two different pieces of ID so theyre basically saying that the state of Michigans enhanced drivers license which is valid by the federal government is not a valid form of identification. And the letter that they sent me was, they denied me because theyre unable to identify me. But they had no issue taking my debit card information over the phone though.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXXXXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXXXXXX. Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.
Product: Checking or savings account

I have been dealing with poor customer service ongoing from Ally Bank. Most recently, I made contact with the company multiple times and completed the required forms as instructed, yet still, they failed to move the requested funds into the correct account as requested and agreed upon. 

Instead, they gave me the run-around. I tried to communicate with Ally Bank multiple times to no avail and never received any assistance. After deciding to take the funds and go to a different bank, Ally Bank is now providing XXXX assistance with closing the empty IRA. 

Ally Bank LOVES to give me the run-around, transferring me to multiple departments, when I seek help with their " 24-7 '' customer service it's not actually available as advertised. Instead, I'm told to call multiple departments at very specific hours and when I have again, no help is provided just the run-around. If I fill out forms, they still refuse to honor requests. 

There is no way to escalate complaints. Ally Bank 's customer service has become nearly non-existent and they are falsely advertising that they offer this AMAZING 24-7 customer service when in fact, Ally Bank does not. 

Again, tonight I tried to seek assistance through their " live chat '' and my time was wasted. 

If Ally Bank 's customer service were so great, then I wouldn't feel the need to spend the time to draft this complaint.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , XXXX 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00}. This account has 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 # XXXX 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

My credit reports are still showing a late payment for my XXXX XXXX XXXX XXXX, Acct # XXXX for the Month of XX/XX/2022. This is an error. I was never late! I am also disputing the fact that multiple items on my report is factually inaccurate across all three credit bureaus. For example : The Date Opened is not consistent across all bureaus. The High Credit is not consistent across all bureaus. The Credit Limit is not accurate across all bureaus. The Last Reported is not consistent across all bureaus. The Date Last Active is not consistent across all bureaus and finally the Date of Last Payment is not consistent across all bureaus. 
My rights according to the FCRA and 15 U.S.C Code 1681e is that all reported data in my credit file is to be 100 % accurate and verified. How can this much information be inconsistent when supposedly being reported by the same data furnisher?
Product: Debt collection

I've received several mail correspondence requesting I pay XXXX violating 15 USC 1681. I have no knowledge of this creditor and have not given them any permission to report my information.
Product: Student loan

I had to refinance my XXXX loans through XXXX. I applied with the latter agency in XX/XX/XXXX. I sent a letter along with a paycheck stub showing my base monthly pay and requested that they calculate my monthly payment on this amount instead of my XXXX tax returns because I was able to acquire extra work throughout that year. However, it's not guaranteed income, and indeed, I've not been able to secure the same amount of extra work in XXXX, and will be making a lot less. 
In XX/XX/XXXX, XXXX sent information about my monthly payments ( in the amount of {$180.00} per month ), which were scheduled to began in XX/XX/XXXX. A week ( no more than 2 weeks ) before this first payment was due, XXXX sent a letter saying that my monthly payment had increased to {$240.00}. There was no real explanation. On XX/XX/XXXX, I called XXXX, and a customer service rep said that I didn't fill out the application correctly, so they based the payments on my XXXX tax return. 
I was advised to reapply. I have. However, I've been pushed back into forbearance. 
On XX/XX/XXXX, I called XXXX to make sure that I had indeed been put into forbearance ( and that they wouldn't report me for not making the XXXX payment ). The customer service representative who checked my account said that my monthly payment ( that had been scheduled for XXXX ) should be {$180.00}. 
I've since processed the reapplication, per the advisement from the XX/XX/XXXX call. It is accompanied by a letter from my employer that declares my base annual salary. 
Something very fishy is going on at XXXX, and given the unexplained, shifting of monthly payment amounts that come up every time I communicate with them, I believe that this complain is warranted. Please contact XXXX and ask them to send me information on how they have calculated the following monthly payments : {$180.00}, {$180.00}, and {$240.00}. 
Again, I've reapplied to have them calculate my monthly payments, but I'm doing so at a heavy cost, and it's not right.
Product: Credit reporting or other personal consumer reports

Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.
Product: Debt collection

Today XXXX/XXXX/XXXX I recieved a phone call from a Company called Pioneer Corp. Phone # XXXX XXXX XXXX XXXX. The lady was extremely rude! She stated she was collecting for my student loans, this would be from when I attended XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. What is very strange is she said I owe an amount exactly the same amount XXXX is stating I owe them. Also, she said my loans went into default in XX/XX/XXXX. She acted like this was the first time pioneer has called me but it 's not. I 'm very confused on who is the servicer on these loans because I get no documentation, statements or court orders and they know where I am because XXXX is garnishing my wages. I 'm a server I ca n't even get a job in the field I studied for because the XXXX I worked so hard to get employers do n't look at it as quality education. In a prior complaint I stated XXXX garnished my wages in XX/XX/XXXX I was able to get it stopped but on my check it just says garnishment. XXXX XXXX, XXXX they did it again but this time I ca n't get it stopped, now it says garnishment XXXX. I do n't know if these loan are being sold to collection agencies or if XXXX is connected to Pioneer.I made a compliant this weekend and Monday morning Pioneer called instead of XXXX. So who is servicing my loans and where is the money going?? I have no clue and no statements or letters from no one.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed multiple fraudulent account these account are hurting me
Product: Bank account or service

Paypal put a hold on my account and stated that my account was " linked '' to an account owing them money. I told them that account does not belong to me and remove the hold, they have not. They are also holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2022 I sent a letter to Experian disputing incorrect information concerning Bankruptcies that was being reported on my credit report. The information that was being reported was incorrect and I included in the letter for Experian to send me verification of the source they used to verify the information they used to determine the information that was being reported. On XX/XX//2022 I got a response back through email that the information that was reported was correct according to the source they used. The company did not do what was asked of them and provide the proper source they used to determine that the information was correct.
Product: Debt collection

I received a letter from XXXX XXXX XXXX regarding a debt for $XXXX owed to Capital One. I never owed Capital One $XXXX. Capital One states they no longer have records for the debt so they can’t tell me why I owe. I’ve written XXXX XXXX XXXX onXX/XX/2019, XX/XX/2019,XX/XX/2019, and XX/XX/2019 asking for an itemized statement of how I owe what they say I owe. They have yet to verify all charges leading up to what they are saying I owe.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy dismissed XXXX XXXX XXXX bankruptcy discharged XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We had minimal interactions with the driver, we did not ask him to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He just automatically did it and then left. 

Shortly after that, XXXX charged my account for a " lift gate '' charge of XXXX. This was a delivery that had nothing to do with my account number at all since it was the freight was provided at no charge to us by our vendor as part of the purchase. We did not ask the XXXX driver to use that liftgate and he did not ask us if we wanted him to. It wouldn't have mattered to us how he got the goods off of the truck. He just knew the most expeditious way was to offload using his liftgate ( which is part of his truck ) and so that's what he did. I didn't authorize any expensive charge like this and I never would have. I have been telling XXXX this via XXXX mail, email, and phone calls for the past several months, which isn't easy since you can NEVER talk to anyone in authority at the company. I Can't even get in contact with an actual human being. Last week, I sent a letter to their Senior management trying to get SOMEONE to resolve this.

Now they have hired this collection agency ( Receivables Management Services ) who call me office every day and sent us a demand letter for {$1600.00}. This is for the XXXX charge plus their " fee '' of XXXX. I called that company and explained this situation on XX/XX/XXXX and today ( XX/XX/XXXX ) when I arrived at work there was another harassing message left on our answering machine from them.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES To Whom It May Concern : Notice for validation of debts.

Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX XXXX ( All Rights reserved )
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX.