23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was placed back on my credit profile twice which is illegal being it was removed once already.

Bull city financial had failed to provide me with a purchase agreement of this debt. They instead sent me a bill that does not have any of my correct personal information on it. They continue to ask me for things but can not provide me with a purchase agreement to this debt. Both addresses on original bill Ive never lived at either and neither are on my credit profiles. I have my deed to show proof we owned our home long before this fraudulent account was even opened.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$370.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX
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 on XX/XX/XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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

My information has been breached with XXXX and my identity has been stolen. I have tried to file a dispute on XXXX website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime I tried to check the results I would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto credit karma only to see inquiries that do not belong to me. I see them listed on Transunion as well. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received a call that my credit card through XXXX via XXXX XXXX   had a payment due. I have never missed a payment but had not received a bill mail or digital. During the call I paid over the phone and had the agent check to see why I did not get a bill. The agent said there was no information for the account to send a bill which is false because the account has been open and use since 2013 and I have NEVER missed a payment. Even though I paid over the phone by credit report shows no payment. Customer service says my account was i active because it was marked I was deceased which is obviously wrong and why would they report a deceased persons credit.
Product: Checking or savings account

I closed my Bank of America checking account on XX/XX/2020 and they told me that I would receive a check in the mail containing the remaining balance on the account. As of today, XX/XX/2020, I have not received the amount. When I called Bank of America today, the customer service representative told me that they can't reissue the check as they don't have a tracking number on the previous check. As a result, I will be losing all of the bank account 's funds that I am owed.
Product: Debt collection

Portfolio Recovery is reporting a collection on my credit report all 3 credit bureaus. Portfolio Recovery is not a licensed agency there is a office in XXXX TN but does not show the name of a location manager which is required. Unlicensed activity in the State of Tennessee potentially subjects the debt collector to civil and criminal prosecution.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. 
This account is hurting my ability to obtain credit. 
It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a {$120.00} debt collection on my credit report with Qualia debt collection. They have no record of this and I would never not pay a {$120.00} bill. This is incorrect. Qualia debt collectors has absolutely no record of this. They couldn't find me in their data base. Incorrect report on my XXXX credit report.
Product: Checking or savings account

I have XXXX dollars in my Venmo account and they suddenly locked my account and said they would get back to me in 24 hours and 3 days later nothing and I need the money for my rent coming up on the XXXX, I've sent multiple requests and multiple calls but no one is available to talk to just machines. I did as they requested and sent my id and proof of identification and they have yet to even contact me back.
Product: Student loan

I have XXXX loans with Student Credit Union Connect. I made a payment on XX/XX/XXXX for {$310.00} to my larger loan however the payment was applied towards the smaller loan instead. My loan since has been reported late and affecting my credit. Ive reached out to them multiple times to fix it however it has not been fixed. This is the second time Ive had to filed a complaint due to the miss habdeling of my account. Another payment was made on XX/XX/XXXX for {$480.00} Im hoping it was applied correctly however I didnt received a confirmation email as promised m.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX. Need to remove late payments from XXXX XXXX XXXX XX/XX/23 XX/XX/23 XX/XX/23 XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been requesting charges clarification from acima, since XX/XX/scrub>/24. I only received an explanation yesterday because I filled a complaint with the CFPB. 

Acima closed the complaint without rectifying the amount owed. I was not able to reach their customer service to cancel the optional fees I was being charged. Thing that their representative at the store I bought my item, failed to inform me. From the beginning, they operate some sort of money grab scheme, and because their customer service is a dead end, ( they dont reply emails with info, their phone number doesnt work, and their chat cant access my account because its in resolution ) consumers dont have the opportunity to get answers and cancel whatever optional fees they charge. 

I didnt have a fair opportunity to cancel their optional extra charges due to their lack of customer service to answer questions. So now that I paid the last installment before the 90 day buy out option, they give an explanation through CFPB. 

I want them to remove ALL the optional charges I didnt have the opportunity to cancel, and rectify the amount owed. I am aware of their class action lawsuits, so I know I am not the only victim of their bad business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a collections on my credit report for years from XXXX XXXX XXXX for {$150.00} Ive never owed the amount, Ive disputed with TransUnion multiple times, reached out to XXXX services dozens of times. Ive shown proof from original creditor which was XXXXXXXX XXXX XXXXXXXX that I do not owe {$150.00}. This nightmare continues and has adversely affected my credit score. I received email from XXXX services on XXXX XXXX after another dispute that the company can find no record of said amount being owed and that XXXX services requested TransUnion to remove said amount from my report. To this date TransUnion still has not removed the collections account. I contacted TransUnion again on XX/XX/2022 and explained the problem and I got another XXXX employee who told me I needed to file another dispute. I told her Ive already filed multiple disputes.The incompetence of TransUnion is appalling and the fact that they are a credit monitoring company is frightening. I have no doubt millions of people have incorrect information on their credit report because of this company.
Product: Mortgage

My XXXX and I signed our Truist Bank home equity line of credit ( XXXX  ) documents on XXXX XXXXXX/XX/XXXX and within that loan app was the request to pay off XXXX credit cards. My XXXX and I both checked our XXXX balances today, XX/XX/XXXX and neither XXXX has been paid off. I was able to check my XXXX online and it shows that XXXX XXXXXXXX has been disbursed from the XXXX. I called Truist ( XXXX ) and spoke with XXXX XXXX in loan services ( XXXX ) and she said the loan was disbursed on XX/XX/XXXX when checks were mailed via XXXX and my current per diem for the outstanding balance is {$4.00} per day. When I inquired how that is possible to be charged loan interest on my XXXX when my XXXX balance is still outstanding, they replied interest is charged from the day the check is mailed ( i.e. Truist hasn't had to disburse the $ $ yet they are charging interest on money still within the bank ). I asked for this issue to be escalated and I was transferred to XXXX XXXX. XXXX said she would look into this and call me back with more information. At XXXX, XXXX XXXX me back to say that interest is charged on the day they mail the check and not when the check is paid. She also said that if the check is mailed to a XXXX XXXX XXXX it might take up to XXXX weeks to be processed. So as it stands, Truist is charging me interest for a XXXX XXXXXXXX loan and the only thing Truist has done is mail a check and no money has been disbursed- Truist is charging me {$4.00} in interest for mailing a piece of paper at {$.00} postal rate and it may take up to XXXX weeks to be processed ( at which time I will have accrued approx {$100.00} of loan interest ). This seems funny when Truist lauds the fact that I can send money to my friend instantaneously via XXXX using no more than an email or cel phone number and yet, they can't manage to send payoff funds to XXXX Bank except via a {$.00} postage stamp. To add insult to injury, I subscribe to Truist bill pay and I occasionally send extra payments to my XXXX credit card when I make those payments, they are sent electronically and process within XXXX business days. 
I have screen shots of all my loan and credit card balances.
Product: Debt collection

Jefferson Capital Systems , LLC, still insists through   XXXX   XXXX   XXXX   XXXX  , that I should contact   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   in   XXXX   XXXX   Puerto Rico, on a  U.S. Postal Service C ertified Mail Received today,   XXXX   XXXX  , 2017 at our residence, that Monday through Fridays, from   XXXX   XXXX   to   XXXX   XXXX  , I should call them if I have questions, and they want me to pay the whole amount of   XXXX    dollars  XXXX  cents, letter received today included, is in  XXXX  in just one payment? But this account is under a certified payment agreement with the same   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   XXXX   ), and today I made the fourth payment of this agreemen t at    XXXX   XXXX   XXXX   XXXX  , in   XXXX   XXXX   XXXX  , Puerto Rico, see included receipts. I was unable to contact the lawyers listed by   XXXX   XXXX   XXXX   as Jefferson capital Representatives, because not only I saw this letter today after arriving home after   XXXX   XXXX   and I should not wait for this until next Monday, but   XXXX   XXXX   is well aware of this problem, and they should contact Jefferson Capital also, but is not happening.   XXXX   XXXX   has another complaint here about this, number   XXXX   XXXX  , but this one I want to submit against Jefferson Capital and their representatives here in Puerto Rico.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

These accounts on my consumer report is effecting my life in devastating ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unauthorized credit inquiry on my TransUnion credit report, I notified the company to remove it. The following inquiry I need removed from my Transunion credit report : Inquiry from XXXX XXXX on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report from Wells Fargo Education Services in XX/XX/2019. I use XXXX XXXX XXXX to pay for school. I did not make this inquiry and I would like it to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I demand for this hard inquiries to be removed from my Credit report as soon as possible. Unauthorized hard inquiries from my credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX Also the following personal information are incorrect and should be removed from my report : Also Known As : XXXX XXXX, Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX, XXXX, XXXX, Also Known As : XXXX XXXX XXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX XXXX, Also Known As : XXXX A XXXX All previous addresses reporting needs to be removed from my report as they are incorrect information! 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed a fraudulent account opened by someone stealing my identity through Experian. The original creditor is a company called XXXX. I have tried to work with the lender directly and has been unsuccessful. Ontop of that the information to contact them on my report is incorrect and I have to XXXX contact info. 

I have requested Experian BLOCK this information from my report as it appears the creditor is not properly investigating this identity theft. I have provided all required documents to include Police report, FTC Identity Theft report and my identification. I have uploaded these documents electronically and via US mail and Experian still refuses to block the information. They allow this lender to report this fraudulent account and update it monthly with charge offs to destroy my credit. They do not follow proper laws in place for victims of Identity Theft and make it impossible for the victims to move on with their lives. 

I have the same issue with another account through a company called XXXX. Again, someone I have never done business with and is most definitely a fraudulent account opened by someone who stole my identity. I again have reported the matter to the local police and uploaded all required documents like my id, police report, and FTC report. 

My credit is fairly decent and these accounts are not very expensive. It would be very easy to pay a few dollars to clear it up, however these accounts truely are fraudulent. I do not see why I should pay for something that I did not do. On top of that I have had an Extended fraud alert on all of my credit reports for years. With this fraud alert, no new accounts should have ever been opened without the companies following the law and verifing my identity and contacting me with the information listed in the fraud alert.
Product: Credit reporting or other personal consumer reports

I am writing this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This XXXX  disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of my rights as a consumer.
Product: Checking or savings account

Subject : Complaint Regarding Unfair Account Closure and Request for Compensation Bank of America Dear Consumer Financial Protection Bureau, I recently opened a joint bank account with my wife online via Bank of America, and our application was approved. We both received our debit cards, and my wife was even able to successfully log into the banks mobile app. However, when I attempted to activate my card and create a login for online banking, I was informed by customer service that our IDs had not been verified. As a result, the bank closed our account without any prior notice or communication. 

This situation is both unfair and highly inconvenient. At no point were we informed that additional steps were required to verify our identities before the account was closed. Instead, we only discovered this issue after I contacted customer service. We are now being told that we must visit a physical branch to open a new account, which completely disregards the time, effort, and trust we invested. 

Sincerely, XXXX XXXX