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

Actions Taken : Requested XXXX to remove of the following inaccurate name ID because I have only one legal government name which is : XXXX XXXX XXXX XXXX Remove the following from my credit report, I don't have 35 names I have only 1 legal government name : XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX A XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  XXXX XXXX Name ID # XXXX XXXX XXXX XXXX  Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX A A XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX  Name ID # XXXX XXXX XXXX  XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX  XXXX Name ID # XXXX
Product: Credit reporting or other personal consumer reports

I was told due to me being a XXXX XXXX XXXXXXXX veteran I am eligible for student loan discharge which would delete these student loans off my report by XX/XX/year> by XXXX : DEPT OF EDXXXX : Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/NXXXX : Account number : XXXX Open Date : XX/XX/year> DEPT OF EDXXXX XXXX  Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/XXXX XXXX Account number : XXXX Open Date : XX/XX/year> It has not been removed and is now being reported inaccurately by the Credit reporting agencies. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows I have a loan account from Meridian Financial XXXX that was opened in XXXX of XXXX 
I have never engaged with this company nor authorized any loan with this entity. 
I submitted a dispute via XXXX twice asking to show me proof of my approval with this entity Both time I was just reported that the company assures that the account is real, and I have not been shown any proof. 
I asked to shown any documentation with my signature showing my authorization for this loan. Neither has been provided at any point after my dispute was filed. 
I would like written proof of when this account was created and my signature authorizing this account.
Product: Debt collection

At XXXX this morning, XXXX XXXX, I was contacted by Conn 's XXXX, under phone # XXXX. This was the first time they had ever contacted me. The CSR I spoke to stated an account had been opened using my name, DOB, and SSN under Invoice # XXXX and it had a balance of {$340.00} on it. He further stated the last payment received was {$50.00} on XX/XX/XXXX. He would not provide details with regard to the merchandise purchased, when or where it was purchased, and his " supervisor '' gave me an email address of XXXX, for any police reports. 

This account, if it exists, is fraudulent or a scam, and I DID NOT authorize its opening and have filed reports of identity theft with our city police and county sheriff. I am requesting the contact information to report fraud to Conn 's and I will send copies of the reports once an incident number has been assigned to them. I have long had freezes, security, and fraud alerts on all my credit reports for years, and further verified on those reports that ALL the accounts I've had with Conn 's between XXXX thru XXXX, are paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items completely from my Credit file since these items resulted due to identity theft. the last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my Personal Information as well as the ID THEFT REPORT I received from the FTC. I have read enough to understand my rights and it is clear that by continuing the reporting of the disputed Items on my Credit report, the Credit Bureaus have violated this rights. I need the following items removed completely from my Credit report : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$180.00}
Product: Credit reporting or other personal consumer reports

n 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 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXXXXXX .... I # XXXX .... XXXX  ... .. # XXXX .... XXXX  .... # XXXX ... XXXX .... # XXXX... 
XXXX XXXX XXXX ... .. # XXXX .... XXXX XXXX XXXX ... .. # XXXX ... XXXX XXXX XXXX  ... # XXXX ... .. XXXX XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX .... # XXXX ... .. XXXX XXXX XXXXXXXX .... XXXX  ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX  XXXX XXXX. 15 u.s.c. 1681 section 602 A. State 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. 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 paid off an unsecured loan of {$3200.00} in full on XX/XX/24. My confirmation number is XXXX. The same day I disputed the account on XXXX XXXX and directly with the credit bureaus to ensure the status was updated and changed with the new account information. On XX/XX/24, the status is still the same and nothings changed. The account still shows up as open, active, and behind on payments when in reality the account should state and show paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house to provide for me and my family.
Product: Credit reporting or other personal consumer reports

XXXX is being inaccurately reported on my credit report by Equifax and Experian and this account was deleted by XXXX
Product: Debt collection

XXXX - I lost my job and had to move out of apartment in XX/XX/2020 due to Covid. I told them all this when I called multiple times and went in-store to return equipment. 
Not 1 person said I owe ANYTHING. Come to find out they charged my credit card {$250.00} without me authorizing it. 
I contacted XXXX multiple times and the associate is not able to make any executive decisions only a manager. I asked multiple times to speak to a manager and no one ever called me back or got on the phone.

I contacted my XXXX  credit card and they disputed it for me and reverse the charge and then XXXX put it into collections. 
XXXX says I owe a cancellation fee and other money. There is NO way due to Covid that XXXX is the only company not helping people. I had no idea about a contract - let alone a XXXX fees. 
I just called them again, and they still wont put a manger on the phone. 
They are a disgusting company and inhuman.
Product: Credit card or prepaid card

I have an account with Discover. Recently I transferred three different accounts to my Discover account for no/lower interest rates. Because of this I have 4 separate interest rates ; 0 %, 4.99 %, 4.99 %, and 19.99 %. When I make a payment, the minimum payment goes to lowest interest rate and whatever I pay over the minimum goes to the highest interest rate. My problem is this ; the two accounts at 4.99 % are charging interest that I pay monthly along with the interest charge on the 19.99 %. Even though I am paying the interest charge on the 4.99 % accounts, Discover is adding the interest to my overall amount owed in the 4.99 % accounts. So my 4.99 % accounts are increasing every month. So essentially they are double charging me for the interest. I am paying it but they are adding it on my bill. My monthly statements can verify the charges.
Product: Mortgage

We purchased a home in XX/XX/XXXX which was financed by United Wholesale Mortgage. I was looking at the Final Buyers Escrow Statement dated XX/XX/XXXX ( from when we purchased the property ) and noticed that they had charged me {$150.00} in escrow for 3 months of Homeowners Insurance that I neither requested nor needed since I already had insurance from XXXX set up ( it was listed on the purchase escrow papers ). I also noticed that they charged me {$550.00} from my mortgage escrow balance on XX/XX/XXXX for hazard insurance. Again, I did not ask for this insurance, need it, or know that I ever had it. I have never received anything from whatever insurance company they set up for me, which is why I never realized that I was being charged for it. It was all done behind my back. 

I sent United Wholesale Mortgage the Final Buyers Statement from my escrow papers and the declaration page from my XXXX policy showing that I had coverage at both times. I have called, mailed, e-mailed, and faxed the company repeatedly without getting any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They 're attempting to capitalize on the situation by signing injured parties up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit card

Acct closed under CHPXXXX Bankruptcy and still showing under my XXXX credits reports.
Product: Money transfer, virtual currency, or money service

On XXXXXXXX XXXX XXXXXXXX I had an issue with my computer someone had hacked into my computer and onto my phone both a teens said please wait firewall downloading and when my devices screens went back to normal 20 or 30 min later I received notifications from both my XXXX XXXX spend account as well as cashapp saying 6 {$500.00} transactions had been withdrawn from my XXXX XXXX  spend account onto cashapp, then from cashapp {$2500.00} in bitcoin currency was purchased and {$500.00} cash was sent to someone I have never met before. Other attempts to send my money were attempted but failed due to cashapp flagging it as a direct potential scam. Though I have made MORE THEN 5 SEPERATE ATTEMPS TO CONTACT CASH APP AMD XXXX XXXX they have told me they can not assist in this issue or refund my transactions!!!!!
Product: Credit reporting or other personal consumer reports

In XXXX I have been a victim of Identity theft due the Equifax Data Breech. 

XX/XX/XXXX - Dispute date with Equifax XX/XX/XXXX XXXX Dispute date with Equifax XX/XX/XXXX XXXX Dispute date with Equifax XX/XX/XXXX - Dispute date with Equifax XX/XX/XXXX - Dispute date with Equifax Are all dispute dates that I have been dealing with Equifax because of their error. 

I humble myself to simply say these were the disputes due to the accounts open on my credit profile .... 

Because there are many accounts I will simply upload the documents I have submitted to them. They are not following the protocol nor law to legally protect me for I AM a victim of ID Theft. They don't seem to care about it.
Product: Debt collection

DEAR XXXXXXXX XXXX XXXX XXXX I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.
Product: Payday loan

In XX/XX/XXXX I had a payday loan with Spotloan in the amount of {$500.00} - the APR at 390 %. At the time I did not know that payday loans were illegal in New Jersey or at best there were usury limitations. 

I had three payments debited from my bank account, and before the fourth I sent Spotloan a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. Spotloan stated they were not governed by NJ Law, but is governed by the XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid it would be turned over to their Collections Dept. which was then renamed Fraud Dept in phone calls and emails. Eventually, approximately three months later the calls stopped. 

Spotloan operates a website at www.spotloan.com and lists its contact information and address regarding payments and correspondence as : XXXX XXXX, IL XXXX XXXX XXXX If you have a complaint against Spotloan, you can mail it to : BlueChip Financial dba Spotloan XXXX XXXX XXXX, ND XXXX Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as XXXX. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX - just listed as the Creditor. I see several online addresses on XXXX ( which I listed below ). Also, the BBB dropped XXXX 's rating to an XXXX in XX/XX/XXXX and the FTC filed an injunction on XX/XX/XXXX. 

XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

Good Morning, on the XXXX of XXXX i transferred {$800.00} to a XXXX account in New York. THe account was provided to us by XXXX XXXX and a contract number XXXX was provided by XXXX XXXX. My XXXX XXXX account confirmed the transfer as well as XXXX confirming funds were received on the XXXX of XXXX. 
Despite this no money was transferred and I am continually receiving emails stating the funds have not been received despite confirmation from XXXX in an email that they have been received and that I should receive the wire transfer to my XXXX Account shortly. 
Multiple calls and conversations with XXXX XXXX can now no longer account for the funds. All conversations with them indicate that they will look into it however there has been no response other than that. 
Today on the XXXX of XXXX i contact XXXX to now be told that they dont have the funds despite confirmation that they have and that i have to take a screen shot of my bank details and send it to them as proof of payment. Obviously this is concerning as they have already confirmed they have received the funds. The funds have now not been paid as per their email and they can not locate them despite the contract number included on the referenced bank transaction. The money can not be accounted for so i am assuming there is fraud involved. Could you please help with this company?
Product: Credit reporting

I am being  XXXX  hit on my credit report from this account - State Collections and also the judgement/ I called State collections and talked to    XXXX   XXXX   on   XXXX   17   @  XXXX  and she said " We only collect the payment and the judgement is a different thing and that it wont only come off or only be seen by one hit unless its paid in full ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue with Quicken Loans three times now with the continued generic response and non-compliance under the Fair Credit Reporting Act. Quicken Loans has failed to provide me with validation the inquiry was initiated by me. Per the Fair Credit Reporting Act 15 U.S.C. 1681g, I have the right to demand that you physically disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. You continued verbatim response of, We have proof you applied, is insufficient and non-compliant for the act and my request. I am demanding physical validation of the inquiry and that it was initiated by me, including any documents I physically signed. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. The inquiry in question on my reports are unverified and unvalidated. Quicken Loans insists I was the one who initiated the inquiry when I was NOT. I have placed fraud alerts on my reports yet Quicken Loans refuses to comply with the Fair Credit Reporting Act and continues to report fraudulent activity to XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. 

On XX/XX/2019, I called and left a message - the message stated my call would be followed up within one business day. It was not. 

On XX/XX/2019, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. 

On XX/XX/2019, There appeared to be an online portal, which allows you to request to freeze your reports. ( which was not there previously, or if it existed, was well hidden ) I did this, and wrote another letter, which was faxed. 

I have provided copies of the Fax Sent receipts, along with a copy of the USPS Certified Mailing, showing the items were delivered. 

As of XX/XX/2019, no reports or required PIN has been provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing a bankruptcy on my report. I have disputed it a couple of times and they say that it has been verified by the company. I received a letter from Experian stating that they verified it with a third party. Per the FCRA, they are required to verify the debt with the original creditor ( in this case the bankruptcy court ) not a third party. Per the government website regarding bankruptcy courts reporting bankruptcies ( XXXX XXXX XXXX ), " The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. '' Therefore, the bankruptcy should be removed from my credit report since Experian can not verify it with the original creditor.
Product: Credit reporting or other personal consumer reports

CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXXXXXX XXXX XXXXXXXX, XXXX. 
XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX debt not mine
Product: Credit card

I went to check my credit score and I see that I have a credit card debt I only have one credit card I dont have a BANK OF AMERICA CREDIT CARD SOMEONE IS DOING FRAUD AND IT IT MESSING WITH MY CREDIT
Product: Credit card

XXXX XX/XX/year> : I was charged for a payment and the interest is predatory ( XXXX when the cap is XXXX ) as it is. I was told that there was no promo applied to my account and that it is not possible at the time of application despite being told otherwise. I was told it was XXXX XXXX for 18 months and then I would be charged interest. I can not afford this but I was strongly persuaded to by XXXX XXXX ( the party that opened the account with Fortiva ) because my teeth looked like it had to be treated before it developed into sepsis ( which I'm now reading from other experiences is that they do this fearmongering to force business ). I asked them to confront XXXX ( East- for this supposed promo because obviously I wouldn't know how to go about tracking this down if I was lied to initially. They told me to send them proof of said promo. I just finished college. I have student loans. I can't manage this as well, especially with the disgusting interest. I'm still looking for a job and I do not currently have savings to meet my needs and pay for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Capital One/Neiman Marcus Company placed me as an authorized user on someone's store credit card on XX/XX/XXXX. I did not give Capital One/Neiman Marcus my signature or verbal authorization to add me on a credit card I did not apply for. This company has put late payments and delinquencies on my Credit Reports, and I do not know how they even got my personal information to report to the Credit Bureaus. 

On XX/XX/XXXX, I sent this company a validation letter by registered mail. I gave Capital One/Neiman Marcus 30 days to respond to my requests. I checked my tracking number and confirmed that they did receive my letter. As of XX/XX/XXXX, I still have not heard from them.