23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX  Installment Closed XXXX Installment Closed XXXX / XXXX XXXX Closed DeptedXXXX Installment Closed XXXX XXXX  XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX  XXXX Closed XXXX XXXX Credit card Closed XXXX/XXXX XXXX Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information
Product: Credit reporting or other personal consumer reports

I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX  is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Mortgage

My mortgage was recently sold to Shellpoint mortgage company. The very first time I tried to make a payment there was problems. They had no information about my loan ( which Ive been paying on for 17 yrs ) and made me pay more then my monthly payment. The lady I spoke to had absolutely no idea what was going on with my loan. When I tried to explain to her that the amount she was telling me I had to pay was wrong she was rude and said that if I didnt pay that amount my payment would be held and then it would be late. I pd the amount she said because I have been working very hard to not make late payments. When I asked to talk to her manager she told me no no reason..just no I dont know what to do.
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX my computer locked up started flashing and beeping with an error message. Your computer has suspicious activity. Do not shut your computer down but call XXXX. I called this number and a girl named XXXX who said she was from XXXX XXXX  fraud team and they have noticed suspicious activity that could be getting into your bank accounts. She said this indicates you have been hacked but this would take some time to change the IP address and resecure the computer. She indicated I should contact my bank to see if there have been fraudulent charges and offered to put me in touch with them at Capital One A man named XXXX then answered the phone indicating he was with Capital One fraud team. He told me there was a {$7000.00} charge for XXXX XXXX and {$9900.00} charge for on line gambling. He indicated they could fix these but we had to act quickly and told me how much credit I had left on my personal credit card. He stated we would have to get XXXX on these secure gift cards, close the original account and they would get me a new card after XXXX XXXX  fixed the IP address and the money would be transferred from the gift cards onto the new secure card. He then put me in touch with supposedly a Capital One employee who would work with me through the process. 
this happened and he stayed on the phone with me while I went around the area and secured gift cards totalingXXXX. After I got the first batch of gift cards he then explained I would need to scratch off the codes on the back of each card and give it to them so the could credit my new account. I realized to late the fraud and talked with Captial ONe and XXXX the same day I purchased the cards but they had already taken the money off the cards and indicated there was nothing they could do. XXXX did check on a couple of the cards and they were used at a XXXX in XXXX. 

I still have all the cards and here are the names and numbers of the people that contacted me in this scam XXXX XXXX woman-XXXX  XXXX XXXX XXXX ext XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I understand this is my own stupidity for not following a procedure I have but I wanted you to know and if there is any possibility of tracking these bandits I would be happy to work with you
Product: Credit reporting

XXXX is attempting to recover an already paid for account that I originated with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor and natural person i never ga e these companies written consent to furnish my consumer report. they did it without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you regarding account numbers XXXX and XXXX from XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.
Product: Credit card or prepaid card

Charge of {$7500.00} was processed by the company in XXXX of XXXX, charge was shown twice on the company statement ending XX/XX/XXXX. Total of {$6400.00} payment was made. The company never applied the payments and continued to demand payments with late night calls and threatening telephone calls to my home and workplace. A lot of the calls were placed out of the XXXX. To the best of my knowledge the company never updated their billing statements to me to apply the payments only updated the statement to show interest charges and late fees. 

I have been a cardholder with this company starting in XXXX I have never missed a payment nor late with payments. 

I called the company sent emails and wrote letters seeking an explanation only to receive more threating telephone calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters of investigation to Experian and XXXX regarding a closed charge off account from XXXX XXXX XXXX via certified mail through USPS. I received my investigation results correspondence from Experian that the XXXX XXXX reported that the account was " charged off as of XX/XX/XXXX ''. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that my account was sold to XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified debt letter via USPS to  XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified re-investigation letter to Experian asking that they provide the information that XXXX  XXXX submitted that allowed them to verify the accuracy of the information reported on my Experian Credit report. On XX/XX/XXXX I sent a certified re-investigation letter to XXXX asking that they provide the information that XXXX  XXXX submitted that allowed them to verify the accuracy of the information reported on my XXXX   Credit report. On XX/XX/XXXX I received an letter from XXXX XXXX XXXX stating that my account was sold to XXXX XXXX XXXX. On XX/XX/XXXX my credit re-investigation results from Experian was updated with the following remarks : " DISP INVG COMP_RPT BY XXXX ; PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF '' On XX/XX/XXXX I sent a certified FCRA Section 623 letter to XXXX XXXX asking that they provide me with the documentation that they gave the credit reporting agencies during their investigation. On XX/XX/XXXX XXXX XXXX provided me with a letter that the ownership of the account was transferred to XXXX XXXX XXXX. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX in response to my debt validation request. They informed me that they closed my account and ceased collections and I have no further obligations regarding this account. 

On XX/XX/XXXX I called Experian to inform them of the letter that I received from XXXX XXXX XXXX clearing me from the alleged debt and I asked if they could remove this from my file. I was informed by the Experian customer service agent that they will not be able to remove this information because the request would have to come from XXXX XXXX XXXX. 

I am requesting the following resolution from XXXX XXXX XXXX provide me with the following : 1. An agreement bearing my wet signature stating that I will assume the debt.

2. Valid copies of the debt agreement stating the amount of the debt and any related interest charges.

3. All the information that was provided to Experian and XXXX to assist them with their  investigations. 

If proper validation of the alleged debt can not be provided I demand that XXXX XXXX immediately delete and completely remove this alleged account from my credit file and with Experian and XXXX credit reporting agencies.
Product: Credit card or prepaid card

I applied for my Chase Credit Card back in early XXXX and was approved and it arrived one week later. My intention for my Marriot  XXXX credit card was to assure I built a relationship with Chase Bank and to assure that I accrue points for Marriot  due to my high demand in travel for my job. On XX/XX/2020 I got an alert on my XXXX XXXX that my chase credit card was removed, however I did not pay any attention to this because glitches could happen. During this time I was also in the process of helping families at my local grocery store shop for food due to the covid-19 hard financial strains. I arrive to the cash register to be told my credit card was declined and I didnt have another form of payment available at the moment. I could not believe the embarrassment. I contacted Chase and was told by an extremely rude representative that my account was closed and the department that I should speak with has left for the day, then I was hung up on. I could not believe that Chase would be so greedy and unprofessional that they closed my account without any signs of fraud or anything! After a restless night, I immediately waited until Chase Bank opened east coast time to get in contact with the department that closed my account. I was treated so horribly and treated as if I should have never received my credit card that I worked so hard to obtain. I make well over 6 figures and I am building my credit to be impeccable. Ive never shown signs of hardship and Ive never wavered or defaulted on any agreement that Ive ever had. Chase Bank told me that I was not qualified to receive the account that I was qualified for. The reasonings are because all of my account arent reporting to the XXXX  report and Ive decided to apply elsewhere because its been a long time since Ive applied for credit cards. Unfortunately, I cant tell banks to report to all three agencies as I wish. I cant believe that Chase Bank is so greedy and deceitful that my account would be closed without any notice or even a limit decrease, but CLOSED! I am now stuck with a balance that will report to the credit agencies and show that Ive utilized a large portion. And this was not my goal. I wanted to obtain a balance and before the reporting date to pay that back in full. To at least show Chase Bank that I can make that kind of payment and build a relationship. I make double of what the credit limit is a month, so I am fully capable of handling the account. Nevertheless, my ultimate goal is to reopen my account. I dont want to believe that Chase Bank would just shut down my account because it pose a risk that is not there. I dont want to believe that during such a critical time in our country that Chase Bank would allow this to affect a citizen trying to help rebuild the communities and hope in humanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how or what this company did to have the right to with draw money from my account when I had no services through XXXX XXXX XXXX XX/XX/2019 $ XXXX $ XXXX {$40.00} Thank you
Product: Bank account or service

A man called USAA Banking services pretending to be me. He did n't not know my user name, my USAA number or my phone password yet USAA " validated '' his identity by asking questions about my credit card, information he obviously already possessed. Once " validated '', USAA allowed him, over the phone, to change my on-line password, on-line pin, on-line security questions and my debit card ATM pin. To make matters worse, USAA " reminded '' him of my USAA number which now allowed him access to my on-line account and this allowed him to transfer {$4900.00} from my savings to my checking. To add insult to injury, USAA approved him to withdraw {$4500.00} in cash from an ATM machine ( he withdrew XXXX {$500.00} withdrawals ). The negligence involved here is criminal! USAA has no concept of security. As soon as this person did n't know my phone password he should have been hung up on!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, nor have I ever engaged in any type of business with these unauthorized and unknown companies. I'm demanding that the credit reporting agencies provide me with A Method Of Verification used to report such accounts on my report. These accounts shall be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX {$670.00} 3. XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name XXXX Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXXXXXX Account name XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account XXXX XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.C.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 antedated 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 to believe that the information is inaccurate
Product: Student loan

XX/XX/XXXX. 

Background : I have two loans with Sallie Mae. 

They have two separate payment amounts, x and y. 

I am supposed to pay " x '' and " y '' amounts. 

X and Y add up to 1000 dollars. 

Issue : I accidentally payed the XXXX dollars to just " x '' instead of XXXX to " x '' and XXXX to " y ''. 

Their was no system in place to check that I made this mistake. 

Not only did I begin receiving robocalls about a missed payment, I was charged a late fee that I was unaware of. 

How does a XXXX XXXX company fail to disclose that? Should that not be boldly displayed on their website when you are making a payment? 

Today on XX/XX/2019, after 5 years of being with them, I was made aware of a 5 % fee of whatever the remaining balance is in 15 days. Another disclosure that I was not made aware of.
Product: Credit reporting 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Last activity date and account status does not report the same under each credit reporting agency. I have a right as a consumer for 100 % accuracy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from EQUIFAX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX  : XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report from XX/XX/2022 as evidence. 

I also attached my personal documents : ID, SSN and Proof of Address.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Southwest credit Systems has been harrasing me since XXXX of 2016. I sent Southwest a request for validation which they did not provide in the first 30 days as determined by the FCRA. They were removed from my XXXX and XXXX credit reports. They waited 2 months and put it back on my XXXX and on XXXX without any correspondence with me. They started with harrassing phone calls and they are ruining my credit worthiness. This is an unverified and unvalidated account. I had previously disputed this account. I have never done business with Southwest Credit. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Southwest Credit claims that I owe. I requested that Southwest Credit provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt. 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Southwest Credit Cease and Desist all further communications and collection activities and provide the verification of this supposed debt. I demanded that Southwest Credit remove any and all Tradelines that are reporting on my credit report with XXXX. Their response-they reported it to the other two credit bureaus. Ive sent them numerous letters and Ive called them several times. They have ignored my requests. I am extremely frustrated and upset in dealing with them as I have been dealing with them for a little more than 6 months. They are damaging my reputation and preventing me from being a reputable citizen considering my credit file is unnecessarily damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting inaccurate information on my credit report. 

1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 

3. XXXX XXXX  wont provide accurate information on contract to validate account. 

4. Experian wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 

5. XXXX wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 

6. XXXX XXXX reporting incorrect date of last activity, XXXX XXXX  is Re-Aging account eah month. 

7. Every month XXXX XXXX change the Date of Last Activity. 

8. Experian reporting incorrect information. 

9. XXXX is reporting incorrect information. 

10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.