23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( 9 years ) I feel that all XXXX XXXX, XXXX and Experian bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again.
Product: Student loan

My private student loan defaulted ( XXXX months no pay ). These XXXX months were not under a deferment, grace period, or forbearance. However, Sallie Mae will not report that the account went into default so it remains on my credit report. It has been over 7 years. The period of default was XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

In XX/XX/XXXX, I closed all my accounts with Wells Fargo which includes a checking account, Savings account. I also had one no fee credit card for a safety measure but rarely used, which was closed in XX/XX/XXXX. My last statement for this credit card was due XX/XX/XXXX and I have not received any communication about this card since then. I also have not been able to log into any Wells Fargo online banking account since XX/XX/XXXX. 

This past month I was issued a new credit card by Wells Fargo with a different credit card number claiming this card has been open since XXXX, which is the time the first Credit Card was opened.
Product: Credit card or prepaid card

Due to OR XXXX notice of statewide hack of personal information, first attempted credit freeze with XXXX, XXXX, XXXX on XX/XX/2023. All three reports showed an inquiry from Capital One on XX/XX/2023. After applying credit freeze, contacted XXXX which assured me it was " a 'soft inquiry ' that most likely, nothing would come of it ''. 
On Saturday XX/XX/2023 received a congratulatory letter from CapitalOne on a successful application, with a spending limit and ended with " Thanks for choosing Capital One ''. Upon opening that letter, called Capital One and explained I did NOT apply for the credit card ; the phone representative stated he could not help closing the account but that I would have to wait and call back on Monday, XX/XX/XXXX. 
Promptly called Monday morning and was met with two representatives, the second of whom was authorized to begin the fraud report. However, even though it was explained repeatedly that I DID NOT apply for the card nor did I want to keep the account open, XXXX began questioning, " oh, you didn't apply for this credit card? '' ( NO, I did NOT ) " Are you SURE you didn't apply for this card? '' ( YES I'm sure, I did NOT apply for this ) " Could anyone else you know (? ) have applied for this card FOR you? '' ( NO, there is not ) 'You don't want to keep this account? '' ( NO, I did NOT apply, nor do I WANT it ) Agent XXXX relented and initiated a fraud alert through CapitalOne Credit on account ending # XXXX on XX/XX/2023 at XXXX PT. According to XXXX, the fraud investigator might call with further questions and it would take 60-90 days to close the account. 
Later in the day, the card itself showed up in the mail; please see attached files. 
I have also followed up with the credit report companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 10 years I had check my credit report, on XX/XX/2019 XXXX XXXX XXXX called me and said I owed them {$2800.00} which I had no knowledge of that's when I realize I was a victim of Identity theft. I filed a police report and a report with the FTC.
Product: Debt collection

XXXX XXXX XXXX. 
I was a member for years. I joined this company for home warranty protection. 
So you pay a monthly fee. When you have an appliance that needs to be repaired, in addition to the monthly fee. You pay {$75.00} before they come out. They request you use a credit card. I used XXXX XXXX. You give them your card over the phone etc. 
My problem was that the company kept my card and continued to charge me even though I was paying them monthly through my on line banking account. I didnt know until months later when I inquired about why my XXXX XXXX billed kept a balance. 
Once I was informed. I contacted XXXX XXXX  XXXX for the return of un authorized charges. They refused. They said my monthly payment has gone up. So they used my credit card for the difference. I informed them that they shouldve informed me by telephone, letter or email. That my charge was only used for emergencies. 
I wrote XXXX XXXX XXXX. Complaint # XXXX-Ref # XXXX. It was not resolved. XXXX XXXX XXXX wouldnt return my money. Said I could cancel. So I did. I accidentally paid them through bill pay the following month. Was unable to cancel. I recently got a bill from a collection agency requesting payment from XXXX XXXX XXXX as a debt collection. Nationwide Credit , Inc. NCI XXXX. I contacted them. They informed me that if I paid them {$240.00}. They would stop billing me. I informed that I wasnt paying. To stop contacting me. That XXXX XXXX XXXX owes me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  are fraud accounts and do not belong to me!!!!!! There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. There are also three inquries where someone attempted to get cards in my name from XXXX  XXXX & XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissons experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. ( FCRA ), 15 U.S.C 1681i The accounts are as followed Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$620.00} past due as of XX/XX/XXXX XXXX 

Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$620.00} past due as of XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

I was sent an unsolicited Kohl credit card. I had an account several years ago. This card looks like a replacement credit card that even says I have been a member since ... I went online to check my previous credit card account and it said it was closed. THis is a very sneaky way of trying to get someone to open an account they don't want. It reminds me of the activities XXXX XXXX did with their account practices. If it isn't illegal, it should be. I will no longer do business with Kohls.
Product: Mortgage

I have asked my mortgage loan servicer to waive escrow. Servicer says " internal lender guidelines '' indicate escrow will not be waived due to loan interest rate reduction offered at origination. I have asked for original agreement stating a lower interest rate will be offered in exchange for escrow loan for the life of the loan. Servicer has been unable to provide anything in writing showing I agreed to this term or provide the " internal lender guidelines '' indicating this is a term of the loan. 

I have reviewed my original Closing Disclosure, note and mortgage and do not see anything indicating escrow is due and will not be waived for the life of the loan. In fact, I see clearly in the closing disclosure escrow can be cancelled on page 4 of 5 of the Closing Disclosure. 

This loan was originated in XXXX  and to date I do not meet any of XXXX XXXX XXXX  criteria to deny a request to waive escrow.
Product: Credit reporting or other personal consumer reports

There is a collection on my credit report from XXXXonsolidated recovery group that is inaccurate and unverifiable I have requested the debt be validated and it cant they are unable to provide me with a contract that I signed and agreed to with my actual signature or anything that identifies me they claim there is a box on the bottom that I checked off agreeing and next to the box is an Ip address both contracts they provided are fraudulent the information is inaccurate and a investigation was done on the Ip addresses and neither of them belong to me My business or my address that confirms that they dont have any proof and can validate the debt so by reporting this on my credit report is violation of the FCRA and my rights to fair and accurate credit reporting
Product: Credit reporting or other personal consumer reports

I FILE A COMPLAINT BEFORE AND THEY HAVENT DONE NOTHING STILL SHOWING WRONG PERSONAL INFORMATION ON REPORT NUMBERS XXXX
Product: Credit card or prepaid card

My American express serve card was stolen by my ex is on XX/XX/XXXX. I filed a police report against him for the theft of my card, along with my car and domestic XXXX, as he XXXX XXXX XXXX in XXXX XXXX and XXXX me in a hotel room i was XXXX to rent for 2 nights with my card before he XXXX me up. I called the company less than 36 hours after I was finally safe and got myself out of the situation. I sent a copy of the police report and their requested " declaration of fraud '' paperwork, along with every transaction he made while in possession of the card. Grand total is just under {$1000.00} and i got the email today stating they denied my dispute for all items. So now they're basically telling me I have to pay because i was beaten and robbed and he just gets off Scott free ...
Product: Credit reporting or other personal consumer reports

remove these inquiries that I don't know : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I was a new user with Venmo. I was conducting a XXXX XXXX XXXX XXXX XXXX and requesting funds from parents that had signed up their kids. After sending out several payment requests on XX/XX/2021, I received an email from Venmo stating that my account had been temporarily frozen. During that time I received a payment from a parent for {$150.00}. Venmo asked me for a drivers license picture on XX/XX/2021. On that same day I sent a photo ID to Venmo. On XX/XX/2021 Venmo said that although I provided this information, my account will be permanently closed and my funds would be temporarily held for 180 days. I called customer service on XX/XX/2021 and they told me there was no way they could help me with this issue and that I would need to email an account specialist to assist me. When I asked for a phone number or to be transferred to that department, they said they dont have a phone number and that they could only handle account issues via email. This issue has yet to be resolved. Venmo continues to withhold the funds from me and denied my request to refund the other Venmo user that sent me those funds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX have Violated My Rights : Account Number XXXX Account Name XXXX XXXX XXXX have Violated My Rights : Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 Capital One  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a consumer report without my written instructions 15 U.S.C 1681c ( A ) ( 5 ) 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 ) 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.

15 U.S.C 1681i 5 ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

A Discover Bank new account set-up was requested by a fraudster. I did Not apply for this Discover Bank account. Discover Bank informed of this attempted for this new account set-up via their letter dated XX/XX/22. Discover Bank was did not set-up this new account as Discover Bank was unable to verify my information.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX