23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a monthly service with XXXX XXXX. On a specific occasion, I requested an add-on to my plan to allow for international data service. I then requested to have the add-on removed from my plan. XXXX nor myself were able to remove the feature due to an error message. Many different representatives at XXXX attempted to correct this but were not able to. Because of this, my phone bill continued to incur charges that amounted to a substantial amount of overage charges. I disputed this with XXXX after disconnecting my service with them, and they have referred my account to a collection agency, which is not allowing my dispute via XXXX credit agency to obtain written communications that occured between myself and several XXXX representatives.
Product: Credit reporting or other personal consumer reports

XXXX systems showed up on my credit report. This is a third party company and I have no idea where this came from. I has a major impact on credit score. I would like it removed asap
Product: Money transfer, virtual currency, or money service

XXXX  scammers took XXXX usd from my cashapp. Then cashapp refused to give me money that was sent to that account afterwards. 2018 was the year not sure of the exact dates.
Product: Debt collection

Since XX/XX/2024, I have been getting twice weekly emails from " XXXX '' at XXXX XXXX XXXX XXXX stating that I owe {$750.00} to original creditor U.S. Bank, N.A. and current owner XXXX XXXX XXXX. This is not my debt. I called U.S. Bank and talked with their fraud department. They have never had an account under my name or social security number. I have checked all of my three credit reports and there is no loan with U.S. Bank.

I have not contacted this company using the phone number in the email ( which is not always the same number ) because I suspect this is a fraudulent use of XXXX XXXX XXXX. I realize that I can stop the emails but that won't solve the issue if there has been some kind of identity theft and this debt is associated with my social security number. Any help in helping me address this situation would be appreciated.
Product: Credit reporting or other personal consumer reports

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reporting me as such.
Product: Debt collection

I have a third party debt collector who froze my savings account and my daughters XXXX school account when the only money I receive is XXXX and child support. My bank told me that since I transferred the money from checking to these accounts it is no longer protected. I feel this is a violation of my rights and money. Also, the creditor did not send me certified mail and directly just froze my accounts. They never showed me proof of the debt as well. I am suffering without my funds. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX {$380.00} 15 U.S.C. 1681 section 602 A states I have a 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 permission, consent, or instructions.

I have contacted this company several times asking for a contract. I have been told that a contract was formed over the phone. I would like phone logs and voice recordings to prove that this account is mine
Product: Debt collection

Fox Collection Center has posted a debt on my account knowing it has already been paid to XXXX XXXX! I have reached out to them and they refuse to stop trying collect a debt that has already been paid months ago. Furthermore, I was not even informed given written debt validation of this debt existing or anything about they was going to place on my credit.
Product: Debt collection

I moved out of XXXXXXXX XXXX XXXX XXXX XXXX in XX/XX/year>. In mid XXXX, the apartment complex refunded my complete security deposit. They didnt report to me any damage that I was responsible for. Again, they refunded every XXXX of my security deposit. Then in XX/XX/year>, I received a letter from National Credit Audit Corporation stating I owed {$2700.00} in damages. I have videos from when I left the apartment. I have attempted to engage with the credit agency to remove the report on my credit report. It continues to be on my report despite proof that I do not owe the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been in touch with XXXX XXXX directly and also through your system. 

We have XXXX # XXXX for payment on XXXX/XXXX/XXXX for {$720.00}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. Note from speaking with representative telling my husband that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help XXXX, XXXX & XXXX XXXX
Product: Student loan

I have been following the Navient lawsuit and I am in 100 % agreement that Navient knowingly steered my girlfriend into programs that where not beneficial to paying her student loan debt. Navient took advantage of her lack of knowledge and has added an absorbent amount of interest to the debt an the debt remains unsatisfied after 12 years of payments. They promised loan releases to co signers which I am, and continue to play games and will not release information to consigner a only thru primary borrowers. I 'm stuck attached to a debt I have no control over and my girlfriend has been ruthlessly taken advantage of. We want to repay the original amount borrowed and want money applied to high interest programs they steered us to applied to the debt.
Product: Credit card

Barclays Bank Delware has issued fraudulent credit in my name on XXXX occasions. The second occurrence was in XXXX 2015. I received an alert that an account was opened in my name. I immediately called Barclays and told them it was fraud. I called at least XXXX additional times and Barclays still approved the account for the thief to use. The thief used the incorrect spelling of my name, incorrect address and telephone, and Barclays still approved the fraudulent request.
Product: Debt collection

Spoke with the person by calling them back reference text message for debt has been paid in full by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Check # XXXX, dated XXXX. The person asked if I could email a copy of check and this was uploaded to address given me on XXXX. Received another email, XXXX, reference I owe the {$380.00} from a XXXX XXXX reference owing the amount listed again. An email responding to his email reference the amount owed. I forwarded the Law office complete information to him to contact their office with any complaints, information and actions they are seeking. I do have copies of the emails, check copy if needed paid in full to the collector. The collection is still showing and not removed from my credit report.
Product: Payday loan, title loan, or personal loan

I was unemployed and got the loan to help until I found a job. Found a job was paying on loans then my ex-husband started trouble legally. I had to take care of other things first. I'm consolidating, started XX/XX/2019. Informed king of cash that is the only they will be getting paid. I believe I gave my consolidating the their info I am still constantly getting phone calls on my phone and I am being sent emails from one of my bosses that king of cash is calling them everyday leaving voicemails and I already told them about consolidating situation. They still are constantly calling my phone and my work phone.
Product: Checking or savings account

Capital One has not deposited funds from my paycheck into my account. When I try to call Capital One there is a 120+ minute wait. Because I did not receive my funds I had to take loans to cover my bills.
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the XXXX  stemming from the disregard for legal protocols.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX Open date XX/XX/XXXX Account # XXXX, XXXX open date XX/XX/XXXX account # XXXX, XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX Open date XX/XX/XXXX Account # XXXX, XXXX XXXX  Open date XX/XX/XXXX Account # XXXX, XXXX XXXXXXXX Open date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX XXXX date XX/XX/XXXX Account # XXXX. These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Debt collection

This bill should have been paid by my ex wife 's insurance. 
Found out about collection thru bank. They want it removed before they will lend. 
The Consumer Financial Protection Bureau ( CFPB ) recently finalized a rule that prohibits medical debt from being included on credit reports. This rule went into effect on XXXX XXXX XXXX 
What does the rule do?

Prevents debt collectors from using credit reporting to pressure people into paying medical bills Prohibits lenders from considering medical debt when assessing borrowers Increases privacy protections
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted Equifax and XXXX after receiving a credit monitoring alert that a hard inquiry had been pulled from my credit report. XXXX concurred that it was a fraud and advised that the sent request for Equifax to remove hard inquiry. Equifax seemed unwilling to help and was provided the worst customer service possible. They said that the responsibility to remove the inquiry was of XXXX. I have a letter from XXXX stated that the they requested the removal of the inquiry yet it has not been removed by Equifax.
Product: Credit card or prepaid card

I called Continental Finance card service On XX/XX/XXXX when I have discovered credit card fraud on my XXXX  card after I made a {$700.00} payment to pay down my debt on the card and XX/XX/XXXX. When I went to check on my account and payment information on Sunday the XXXX was when I realize that all of these out of town charges were found on my account. There is only one purchase ONLY that I made on my card that was on the XXXX to buy perfume for {$100.00}. I realize that when I checked my wallet that I lost the card from my possession. I have fraud charges from several states and holds on my account from an XXXX XXXX, a liquor store, and a XXXX  hold in on XX/XX/XXXX in place. The false charges were for XXXX for XXXX in XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX in XXXX for XXXX, XXXX in XXXX for XXXX and another charge for something else for XXXX dollars. Charges were made on my card on XX/XX/XXXX, XXXX, XXXX, XXXX and the XXXX, I live in XXXX XXXX  and I am a partially XXXX XXXX XXXX XXXX XXXXn who does not use my card much and these charges are not mine. I know no one in any of these states and DO NOT eat at any places like these at ALL!. I want my money refunded back to my account because I paid XXXX dollars to reduce my debt on the card and then someone go and accessed my card. I did make a police report in the county where I live here in XXXX XXXX Maryland. All of these charges are from out of state where I have never been which is in California and Texas. They also sent me a replacement card that I have not activated until they return the fees that were taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from Experian, XXXX and XXXX   immediately.
Product: Checking or savings account

On XX/XX/XXXX I received a legitimate email from TD Bank stating that a checking and savings account were opened in my name. 
This happened in XXXX as well. 
Contacted TD Bank fraud dept who advised they saw the account/info and closed and noted the account as fraud.
Product: Debt collection

Resurgent/XXXX XXXX/LVNV Funding have sent notices regarding an alleged debt. I have asked them to validate the debt, attempted to resolve the issue. Included are certified receipts dated XX/XX/XXXX and XX/XX/XXXX both signed by the company. Another certified letter was mailed on XX/XX/XXXX. The company has violated 15 USC 1692 sec.802, 803 and 807. Appearing to be an attorney by using the language " my client ''. Claiming to be the " creditor '' which does not coincide with its definition. Also the use of multiple names and addresses i.e LVNV, Resurgent and XXXX XXXX.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXPrint ADVANCED COLLECTION XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my FTC identity theft report by mail which they claim they never received are reporting fraud accounts which are listed in that report and they were supposed to remove this and the hard inquiries their giving me a hard time to get this done I dont underdtand their problem its not fair and the my Equifax is not working again its saying no file found horrible experience
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my credit report, again, after TransUnion sent a response to my dispute regarding the XXXX  XXXX Bankruptcy, things are still incorrect and inaccurate on my credit file and the bankruptcy needs removal IMMEDIATELY. 

In addition to above, a FRAUD ALERT was placed on my credit file which I did not request. I have tried to remove it from TransUnion 's website but am not sure it will be REMOVED FROM ALL CREDIT REPORTING AGENCIES. REMOVE FROM ALL CREDIT REPORTING AGENCIES. 

I KEEP CALLING, WRITING AND I AM GETTING NO RESOLUTIONS. THIS IS CREATING A HIGH LEVEL OF XXXX AND I WANT ALL ISSUES RESOLVED IMMEDITELY. 

Violation against TransUnion is under USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provides in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's report at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, which I did, or indirectly through such as a reseller dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the correct status of the disputed information, or DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Mortgage

Years back I tried a modification with XXXX XXXX, got the run around, then XXXX  XXXX XXXX and got the run around for a modification as well. When things got bad financially at my home and I became delinquent and tried with XXXX  XXXX XXXX in the middle of a modification process, they changed the services to specialized loan servicing. They gave us the run around, and after two attempts and a lengthy stressful process, they decided to send me a check in the amount approximately {$3000.00} overage on escrow. Then after I cashed the check and used it to stay in my house, they said it was an error and we owed them {$3000.00} back. Then finally the HAMP program helped modify the loan with the {$3000.00} owed, and gave us a 40yr mortgage. It was XXXX. I went through trauma and XXXX. I was lied to by all three companies and I was misled and disrespected. I feel that an investigation needs to be made on my mortgage for the purpose of wrongdoing by these services and XXXX XXXX that also owns the loan. MERS states some servicers I never had with my mortgage as well. I was a victim of mishandling and unprofessional mortgage services by all these corporations.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX putting the wrong information on my credit report when disputing nothing gets corrected,, I believe they never looked into to my dispute
Product: Credit reporting or other personal consumer reports

5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.