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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and I have unauthorized and fraud and false information in my credit report and I need it removed from my credit report I have contacted the companys and they cant provide written documentation that I signed for any of the inquiries that is showing up on my credit report
Product: Credit reporting

Creditor are submitted bogus information on credit file. XXXX bank submitted I had opened a credit card with them in XXXX XXXX, account number *******************. This information fraudulent attempt to collect funds. There is not any validated sources via signature confirming that I have utilized the credit card in reference. It is true that I had an account in XXXX and this account has not been active since XXXX XXXX with XXXX with an outstanding balance of {$470.00}, however, this information is under a different account number and is over 7 years old. Every time I dispute this information, the activity date changes and it is never removed from XXXX or Equifax data base. Also, there is another credit card that been inactive since XXXX XXXX XXXX XXXX XXXX, which continue to change to activity date. This is another means of keeping the derogatory information on my credit. I spoke to creditors and credit agents regarding this error on several attempts they temporarily remove the information and within 6 months put the information back on my credit. I know that the credit pay these credit agent for reporting purposes, but I thought the information had to be accurate and they must prove that the information provided is not false. But based on what I was told today, the agent do n't validate any information of factual data ( via electronic or hard copy ). They only verify based on what the credit states. If that is the case, then anybody or company has the ability to blemish ones character by just stating whatever they want and it will be publish publicly. My son is XXXX years and I has derogatory information on his account that I have been trying to dispute. All because he has a common name can blemish. This reporting methods must change. As a consumer you expect that agency are held accountable for the actions especially when they are reporting personal information on others. They are expected to comply to ethical and legal guidelines and if unable to do so, then the government should intervene and correct this matter. I hope that you will be able to investigate this matter and if not help me, but at least stop this from happening to others.
Product: Payday loan, title loan, or personal loan

I received a call today trying to verify my personal info. they refused to say what for so i refused to provide them with the info. then they said it was for a debt from Cashnet for a payday loan in 2006. i have never heard of Cashnet nor did i receive any loan from any payday loan services. I contacted Cashnet directly, they first tried to tell me i needed to provide a police report from 2006. Which I will not due because my ID was n't stolen and it 's been 11 years since this supposed loan which they are just now contacting me about. I asked for what they said my ID was stolen and used for a loan. Which referred me to another company " XXXX '' with XXXX as the phone number. I called this number and they tried to tell me i won a XXXX gift card. I told them i did n't care about the gift card and wanted to speak to someone about this alleged loan then i was hung up on.
Product: Vehicle loan or lease

I was unaware of an internal score being used to approve my application from Santander. I was under the impression that Santander was my only option and in order to drive off the lot, I had to leave with the subprime loan high interest rate that I was given by Santander.
Product: Debt collection

I have written this company several times and talk to them on the phone and explain that this is not my debt. The original creditor is XXXX XXXX XXXX XXXX and the front was sold to Augusta Collection Agency. They called and harassed and threatened to take me to court for a debt not mine. I am trying to purchase a bigger home for me and my kids and grand children.
Product: Debt collection

This is a debt that i do not owe, this is retaliation for submitting a small claims lawsuit due to property XXXX trying to take my rental assistance and came up with fake debts that i was never told about, they just show up on my credit repot ~5 months after i move out. I never recieved my deposit not did i get an explanation where it went.

I spoke with the debt collector and when i asked for a debt validation she read a list of items on a word document, no pictures, no reciepts, just an invoice, and this is enough to ruin someones credit and get away with it. I had renters insurance the was mandatory but no claim was ever submitted. This is the way XXXX individuals like me are treated. I am submitting proof of insurance that the landlord needs to submit a claim if these are real debts.
Product: Credit card

I rented a car from XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. When I returned the car, they said that they would email my final invoice the same day but that hasn't come to this day. The contract rental amount was {$180.00}. They ended up charging me {$390.00}. I disputed the payment. The credit card company ( Chase ) investigated on my behalf and the car rental company sent them the final invoice for the larger amount without any explanation of the reason behind the doubling of the price. Chase asked me whether I wanted to pursue the dispute. I responded in the affirmative, but then Chase immediately informed me that they had closed the dispute. They lied in writing saying that the invoice that they received provided satisfactory justifications from the car rental company to explain the larger amount. But the invoice doesn't provide any explanation to understand the reason for the additional charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their customer service would not help and take care of the negative inquiries reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CT ) XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} 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

Upon reviewing my CFPB complaints # XXXX, XXXX, and XXXX, I discovered that you closed my complaint on XX/XX/XXXX. Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$120.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; 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  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than4 business days after the date of receipt.
Product: Debt collection

I APPLIED FOR A LOAN AWHILE BACK AND AT THE TIME AND WAS EMPLOYED THEN BUT UNFORTUNATELY LOST MY JOB AND MY HUSBAND WAS THE ONLY ONE WORKING SO WE FELL BEHIND IN BILL 'S SO I WAS N'T ABLE TO PAY BACK THE LOAN RIGHT AWAY NOW IT IS IN COLLECTIONS AND THEY WO N'T STOP CALLING REPEATEDLY THROUGHOUT THE DAY SOMETIMES SAYING NOTHING OR SINGING IN THE BACKGROUND AND MY VOICE-MAIL IS FULL OF THIS MESS AND THIS HAS BEEN HAPPENING SINCE LAST YEAR FOR MONTHS EVERY DAY THROUGHOUT THE DAY AND I 'M TIRED OF IT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

Need Immediate Assistance with Fraudulent Charges and Account Resolution I am submitting a complaint against Discover regarding the mishandling of my account following a robbery and data breach that compromised my personal information. 

Recently, I spoke with a representative concerning being recharged for reversed fraud charges amounting to {$8700.00}, which had already been paid. When I initially contacted Discover to report the robbery and compromised information, they did not initiate a fraud dispute. Instead, they filed a billing claim and categorized all charges fraud under a general claim without properly distinguishing which charges were fraudulent. 

Discover has not reviewed any transactions with me and has failed to confirm which transactions are fraudulent and which are legitimate. Furthermore, they resumed charging me for transactions I had already paid, leading me to stop making payments entirely, which has resulted in the accumulation of fraudulent accounts and a past due balance. 

I have previously submitted a complaint through the CFPB, but it has been closed multiple times without resolution. I urgently need someone to reach out to me so we can review my transactions and resolve this matter, allowing me to reopen my account. Prior to this issue, I consistently made my payments on time and had never missed a due date. 

As a victim of a data breach, many of the fraudulent charges are digital in nature. I request your assistance in addressing this critical situation as soon as possible.
Product: Credit reporting or other personal consumer reports

After checking all three of my credit reports I noticed on all reports it showed this account that I have with this credit card company was a pay to delete account that I requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Starting with XX/XX/XXXX I have written to Portfolio Recovery SIX TIMES requesting debt validation with absolutely no response. NONE! So in XXXX, I started to track their receipt of my letter by sending it not only by USPS but also by fax. Including today ( XX/XX/XXXX ) that makes 7 months, 7 letters, with 4 confirmations, and they have simply ignored me so the letters sent XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and today I am attaching as proof that they were received. I even reminded them in the letter of all the previous dates and they still ignored me. I wrote to all 3 bureaus during this same time period without a response even when asked how did they verify the debt or to send me a corrected credit report. They don't accept faxes so I can't prove they got it but the postal service generally doesn't fail to do its job ( I'm just saying ). I'm a XXXX XXXX and as an essential worker, I've traveled across this country only to wake up in hotel rooms in cities that sometimes I couldn't remember the name of just to help fight the COVID battle. I'm tired. I'M TIRED! I can't keep up with COVID and I can't keep up with Portfolio. All I want to do is go home ... really go home ... not to the apartment that I rent but to my own home that I'll own and this blatant disregard for me as a consumer and for the law is making that impossible. I've fought for the people of this country on the XXXX XXXX. Now I'm asking the CFPB to fight for me on the consumer/credit battleground and make Portfolio and/or the bureaus delete this account - they have had more than enough time. If they haven't responded it's because they can't respond - it can not be validated. I want to go home ( sobbing ).
Product: Credit reporting or other personal consumer reports

Heres are the inquiries and companies that are being disputed : XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX - XXXX - see attachments ( XXXX ). 
Charge-offs listed : XXXX XXXX XX/XX/XXXX - {$24000.00}, XXXX XX/XX/XXXX- XX/XX/XXXX - {$600.00}., XX/XX/XXXXXXXX XXXX - XX/XX/XXXX, XXXX {$600.00}, see attachment ( XXXX ). 
Billing Error Dispute - XXXX XXXX XXXX - open date XXXX XXXX ( XXXX ) see attachment, Dispute of unauthorized Inquiries on credit report : XX/XX/XXXX inquiry date XXXX,XX/XX/XXXX inquiry date XXXX, XXXX XXXX XXXX, inquiry date XXXX, XXXX XXXX of XXXX, inquiry date XXXX, XXXX XX/XX/XXXX/ XXXX XXXX XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX XXXX XXXX date XXXX, ( XXXX ) see attachment Charge-offs listed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Equifax ) see attachment, XX/XX/XXXX XXXXXX/XX/XXXX: notice of Debt that I disputed : XXXX XX/XX/XXXX, XXXX {$9900.00XX/XX/XXXXXX/XX/XXXX, XXXX {$1200.00}, XXXX - XX/XX/XXXX, XXXX {$920.00}. ( XXXX ) see attachment Letters were sent to all XXXX credit bureaus.
Product: Mortgage

OCWEN Loaning Servicing bought my mortgage last year. They are force placing an additional flood insurance policy that costs {$2200.00}. I already have a flood policy through my HOA.
Product: Debt collection

Consumer Finance, On review of my credit reports I found out I had a collection from CBA COLLECTION BUREAU OF AMER - Original creditor XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2017 in the amount of {$4400.00}. 

I have challenged this with the 3 credit bureaus as well as the original creditor and as well the collection agency- to prove this is my account and I owe this amount. 

I have yet to receive any proof. 

I have asked the 3 credit bureaus to remove from my credit reports and its still not done. 

This is not a valid debt I owe. 

I will attach the documents I have mailed everyone via certified mail.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all information that is hurting my credit report. ive listed multiple items that are not following FCRA rules. I am also a victim of identity theft. this has caused major delays on my credit report please review an remove this listed items asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account AFFIRM INC with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. A charge-off should show a XXXX balance, remove the amount that is showing. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to AFFIRM INC but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting or other personal consumer reports

there was hard Inquiries on my TransUnion Credit Report credit report on didn't help me, XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/year> Phone ( XXXX ) XXXX Inquiry Type Individual no help
Product: Bank account or service

I went to bank of America on XXXX/XXXX/2015, and deposit {$1000.00} in coins into my checking accountI fill out an deposit slipThe bank teller took my deposit slip, attach it to the coins and give me an ACKNOWLEDGEMENT of RECEIPT of COINS, he told me that the bank would cont the coins and credit my account in a few days. 
A few days after I check my account, I was only credited for {$190.00}. 
I went to the same branch to get some answers, and found out that the bank teller, wrote down {$190.00} on the paper work that he turn in instead of {$1000.00} and there is problemI have made XXXX trips to the branch, I call at least XXXX times.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the FCRA, a consumer reporting agency is only permitted to provide consumer reports certain entities and for specific purposes. These inquires were made due to identity theft and I would like for them to remove within 4 days. I am writing to formally dispute certain inquiries listed on my credit report that are unauthorized and inaccurate. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Care credit/Synchrony Bank account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. Therecords I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to analleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I evidently became ineligible for my past income-driven repayment plan in XXXX, so Fedloan had my re-apply for another repayment plan. I submitted a new repayment plan application in early XX/XX/2019. It took over 4 months to get processed. In the meantime, I had to make full payments on my student loans, which I did for two months. Also, in the meantime, I receive conflicting and confusing correspondence from Fedloan saying I had past due bills, my application was approved, my application was denied, my application could not be approved, they needed additional information, I needed to make additional payments ( even though I was making payments all the time. ) Now, my new plan has been approved, but I still have a past due bill for a full amount even though Fedloan said my new payment plan is approved. 

Every time I call, I get conflicting information and after spending too much time on the phone, Fedloan says they have straightened everything out. However, they can never send my any documentation of our calls, so when the next letter comes that conflicts with the last information comes, I have no method of straightening anything out. 

I work for a non-profit and my income has not changed. My employment is dependent on an income driven plan but Fedloan has made this impossible. I fear that I will suffer negative financial  consequences when I am trying my hardest to be compliant. However, Fedloan 's inability to provide any clear or consistent directions or communication has made this impossible. 

I am available for any clarification. Thank you for your attention to this matter.