23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit score dropped from XXXX last winter to XXXX. I did n't know what could have been the issue since I pay my bills on time each month. I ordered a credit report and learned that XXXX XXXX who issued a credit card to my XXXX year old unemployed son two years ago reported to TransUnion and XXXX that I was delinquent in paying a credit card bill. I never applied for a card from XXXX XXXX, my son applied without my knowledge. My son was not employed on a regular basis when he received the credit card. He could n't find a full time job and has now returned to school to get a XXXX degree to try and find employment in his proposed career. He has been unable to pay off the {$1000.00} debt he incurred as a result of his unemployment status. XXXX XXXX sent offers to my home address regarding paying off the outstanding balance at a reduced amount. I suggested that he authorize me to negotiate on his behalf since I did n't want him to impair his credit which could negatively impact his job prospects. I had no knowledge that by doing so the bank would add me as a borrower and report the delinquency on my credit report XXXX. I called on his behalf and was unable to negotiate anything since the bank insisted the debt be paid off within XXXX months. I told them he could repay it within a year after completing an unpaid internship that is to hopefully lead to a paid job. I knew he did n't have the financial means to pay off the debt currently. I told the bank official I did n't want to pay off his debt since it would n't teach him a financial lesson. My refusal to pay off debt my son incurred on a credit card he should not have been issued resulted in XXXX XXXX reporting the delinquency as mine. I have spent years maintaining excellent credit and pay my bills on time and in full each month. The actions XXXX XXXX took by reporting my adult son 's delinquency as mine is wrong. I would like this investigated and would like XXXX XXXX to withdraw the negative credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

My information has been shared with others without my written permission which is in violation of my right to privacy
Product: Debt collection

On   XXXX   XXXX   XXXX  , I received a letter from TransWorld Systems on behalf of   XXXX   XXXX   in   XXXX   XXXX  , Arizona seeking payment of {$7400.00}. Given I knew I owed   XXXX   XXXX  l {$74.00}, this was surprising.
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I called   XXXX   XXXX   and they confirmed my balance was only {$74.00}. I paid that {$74.00} owed to   XXXX   XXXX   and they confirmed the extremely excessive amount TransWorld Systems was an error. At that time,   XXXX   XXXX   said the account was n't in collection, but they only contracted TransWorld Systems to conduct a, " letter notice. '' They explained that TransWorld Systems would only be sending reminder letters to me about the debt. There would be no phone calls. There would be no report to Credit Bureaus. I was also told by   XXXX   XXXX   that they would notify TransWorld Systems that my balance was  XXXX .
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On  XX/XX/XXXX  at   XXXX   XXXX  ., MDT, I received a call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid   XXXX   XXXX   and to not call me again.
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On XX/XX/XXXX , at   XXXX   XXXX  ., MDT, I received a second call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid   XXXX   XXXX   and to not call me again. I pointed out that repeated calls about this, especially twice in a day, and especially twice in a little over an hour was harassment. I also told the caller than any further communications regarding this matter must be only in writing. My response to the harassment by TransWorld Systems and   XXXX   XXXX   was to file this complaint for : Attempts to collect a debt which was already paid, Repeated phone calls about the debt which was already paid, The refusal or failure of   XXXX   XXXX   to notify TransWorld Systems that the debt was paid, and, The misrepresentation by   XXXX   XXXX   that the involvement of TransWorld Systems was, " only a letter account, '' when clearly it was not.
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Attached please find the record of this payment provided by   XXXX   XXXX  . It is reported to be directly from   XXXX   XXXX   XXXX   ledger regarding my balance.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX account number XXXXXXXX XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Due to this breach and the impact it has had on my personal data, I am requesting that this issue be removed from my report and that my privacy be fully restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 XXXX i made this clear for XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

On XX/XX/XXXX Convergent Outsourcing contact me regarding a XXXX XXXX account with an outstanding balance of {$1400.00} I told them is not my account. They told me to contact XXXX XXXX XXXX Department and file a claim. I file an identity theft report with my local authorities ( XXXX Police Department ) they also direct me to freeze my credit and file a report with federal trade commission. I file a claim with XXXX XXXX summit all my documents required. They have not reach out to me. I call the fraud department and they direct to talk with the collection agency ( Convergent ) they report this to all the credit agencies. My credit has been damaged significantly. I open a dispute with the credit agencies and XXXX is refusing to erase this out of my credit. I am following everything by the law and dont understand why XXXX XXXX not helping went this was not my account and never order nothing from this company.
Product: Debt collection

Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$300.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and/or Experian and/or XXXX  have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX  ... acct. XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Debt collection

I have disputed this unknown account because it popped up on my credit reports one day. Its not my debt. I never received any notice of collection nor any proof of said collection. No statements, receipts or anything. No phone calls emails or mail. Just sitting on my credit report with no proof also reporting incorrectly. All correspondence should be sent back to this complaint
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a dispute under Section 605B of the Fair Credit Reporting Act. I am a victim of identity theft, and I have filed a report with law enforcement. I request that you block all information on my credit report that is a result of this identity theft. Attached is my identity theft report and any relevant documentation. I appreciate your prompt attention to this matter. '' PLEASE READ THE ATTACHED FTC REPORT IN DETAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. Experian, XXXX, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Mortgage

First of all, we applied for a modification in XXXX. Fay mortgage denied the modification and forbearance without receiving all of our financial documents stated in a letter we received not more than 35 days after we submitted them. Our bank XXXX has a cut off at the 15th of the month and we have to wait another 20 to 25 days to get the last 15 days of the month, They did not wait for this, in a letter dated XX/XX/XXXX The servicer changed representatives several time on us and the paperwork they needed was never stated on a letter informing us what was not complete that they needed. 

The escrow charges went up to {$6600.00} a year from our deferred amount of {$690.00} per year, this caused us to get so far behind that we could not even get a loan to catch up on the payments. Now there is nothing owing on our taxes for XXXX and the escrow charges are still wrong. 
The outrages attorney fees are totally undocumented and all I can find is fees of {$570.00} for a XXXX  that was done on the wrong house and a inspection fee. 
We are very poor senior citizens living on way below the medium income on social security of just {$30000.00} a year.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.
Product: Debt collection

Someone stole my information and opened accounts fraudulently while working on opening my business and applied and created all kinds of inquiries in my name ....
Product: Credit card

Inaccurate late payment are showing up on my credit report. It's effecting my credit score.

I obtained a copy of my consumer report on the date ofXXXX XXXX,2024______ that is reporting numerou
s inaccurate negative accounts. This has not only damaged my right to extend credit but it has made me lose hope and trust within the banking system. I have been denied credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer which is why congress made it very clear that your company A assumed this Vital role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC ( a ) ( 4 ).

Am requesting valid proof and documentation that these negative items were investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy.

I am giving your company the opportunity to make this matter right by way of the following : REMOVE ACCOUNTS REMOVE LATE PAYMENTS REMOVE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

harassment account from 2014
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$5600.00}
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : XXXX 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX {$4800.00}
Product: Bank account or service

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. I called in promising a response in 24 hours. I did not get a response. 

On XXXX XXXX, XXXX, I sent a secure message on Citibank 's website and was told by XXXX XXXX that an investigation is underway with no timeframe to when it would resolved.
Product: Credit card

I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.
Product: Debt collection

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

Equifax XXXX XXXX and XXXX were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to my credit.
Product: Mortgage

Applied for loan XX/XX/XXXX with Citizen 's Bank, agent XXXX XXXX ( NMLS ID XXXX ). I was told 15 year fixed would be 2.5, closing costs {$3400.00}, I did not have to have Citizen 's account, and I did not have to escrow. I was approved on XX/XX/XXXX and asked for the details again. He said, " we already went over them, we don't have to do it again ''. After pressuring him, he said, It would be 2.65 paying 0.25 points, I had to have a Citizen 's checking account, I had to escrow, and closing would be XXXX or more. 

XXXX is either incompetent or a scam artist and I am guessing the ladder
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX credit said that they will send me a letter in 7 business days for my records the letter was to state that I have been removed from their company as an authorized user as per my request since XX/XX/XXXX they stated to me that I am no longer an authorized user since XX/XX/XXXX my mother is the account holder and she had to make several requests for them at that time to get me removed initially I was informed again in XX/XX/XXXX while I was working with a XXXX XXXX XXXX XXXX  that XXXX was still appearing on my credit reports as an open account although they tell me on the phone that I am no longer an authorized user since XX/XX/XXXX I would like for them to report the correct information to the credit agencies they have been reporting false information for 12 months and me and my mother who is the account holder have called them over five times now they keep saying that a letter will be sent to us stating that the problem is corrected and no letter ever appears they also state that the credit agencies have been informed to remove me as an authorized user since XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I noticed today that on a credit card that I don't hardly ever use that I was being charged by a company called XXXX. So I called them and was told I had been signed up with them since XXXX. I tried to sign on and it showed that I had never been on the site. Why would I sign up for something and then never ever sign on to the account? So I called them and she kept saying over and over that I signed up for trial. Which I'm not aware that I did I've never even heard the name XXXX. I had them cancel it, but I have been charged XXXX since XXXX and it is now XXXX. I do not believe I ever signed up with them. And the proof I have is I've never been on their website. When I tried to cancel she tried to give me half my money back in order to stay. I told her now and canceled.