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

This is my 5th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8400.00}
Product: Debt collection

I was notified this month about an order to appear for individual judgment. I was unaware of what this was about and called the court office. The clerk informed me this was regarding : Huntington Bank for the amount of {$580.00}. The clerk mentioned it might be easier to deal with the issue than getting garnished. On XX/XX/XXXX, I called the law firm of XXXX XXXX XXXX, attorney for the plaintiff. This was my second call to them since XX/XX/XXXX, when I learned about the alleged debt. I do not even have this debt on my credit history. 

On XX/XX/XXXX, I called to see what arrangements could be made. I was told on XX/XX/XXXX that they had an order to garnish my wages, so I could either go to court for the garnishment on XX/XX/XXXX or make arrangements with them. With both calls, the same woman answers, and I never know anything about this attorney, nor does she answer as an attorneys office. The amount on my court paper is {$990.00}. During the call, I was asked about my wages and what arrangements I would like to make. I was told that due to my wages, I would have XXXX XXXX/month taken out for garnishment. I offered an amount to settle on since they said nothing else could be done. That {$500.00} offered was denied. The woman said the client would not accept such a low amount. She then told me the amount of the alleged debt was {$1500.00}, which includes an 8 % annual fee since XXXX. 

I told her that is not the amount I saw before me, and she told me the courts gave me the wrong information because they never included the 8 %. I said that amount was ( explicit ) crazy! she threatened to hang up on me if I cursed again. She said to make smaller monthly payments that I feel comfortable with, and I would have the option to call them if I can't make the payment versus having a garnishment and not having this flexibility. She also said that they would go back to the judge and ask to continue with the garnishment if I did not make a payment on the agreed amount. 

I told her I could pay {$20.00} a month. I told her that due to my permanent  XXXX, this amount is doable. She accepted the offer. However, she realized I said {$20.00} and not {$200.00}. She got upset and told the client would not take that ; she started she had wasted 20 minutes of her time talking to me and hung up the phone. 

I do not feel that I am dealing with a lawyer as the name and contact information shown on my court order. It was unfair to accept my offer and then refuse it based on her mishearing. I was unaware of this even going to court. I was diagnosed in XXXX with XXXX XXXX XXXX and have been consumed with medical issues and XXXX. I recently had a XXXX  and am still dealing with health issues and XXXX. This judgment was made without my knowledge ; they have threatened to withhold {$600.00} from my wages, caused emotional XXXX, and treated me unfair and rude during communication.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts :
"
Product: Credit reporting, credit repair services, or other personal consumer reports

not adding the accounts back to my credit profile that they removed b/c it had good payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports that I filled Bankruptcy chapter XXXX in XXXX, which I did. But that case was converted to chapter XXXX and discharged in XXXX. But Experian doesn't report it. I was denied a credit because Experian reports a pending bankruptcy. I filed a dispute to correct the information. The answer was That record is certified and remains on my record. I didn't ask to remove. I just asked to update the info. I couldn't find any way to update my dispute and was reffered to this web site. How can I update my information since Experian refused it? 
P. S. XXXX and XXXX report correct information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX RE : Unauthorized Inquiries Dear Equifax XXXX the purpose of my letter is to dispute the following eleven inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Money transfer, virtual currency, or money service

I was repeatedly solicited to refer this POS system to other potential clients in return for a {$750.00} referral bonus 90 days after the new client started service. I asked the company representative if we needed to keep our service with them open in order to receive the bonus. I was advised in writing that I did not need to be processing transactions with them in order to receive the {$750.00}. So, I went ahead and provided them with a successful referral which involved work on my part to convince the new client to use their service. I emailed the rep dozens of times to find out why I hadnt received my {$750.00}. Each time he assured me that it was coming and that he would not forget me. Finally, he informed that I was not eligible because I was no longer processing transactions and so after months of back and forth I would not be getting my bonus. Again, he assured me in writing that I would get the bonus even if I was no longer processing with them. I believe that this company has committed fraud and I would like my money now.
Product: Credit reporting or other personal consumer reports

THIS INQUIRY IS NOT MINE AND THIS ACCOUNTS ISNT MINE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been a customer of Coinbase for 5+ years now. As of XX/XX/XXXX, I had full access to my account with no issues. A few days later go by, and somehow I am locked out of my account, not allowing me back in. I then tried many times to reset password but the system does not provide the email verification to reset the password. At this point I have lost full access to my account and control of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this letter finds you doing well. FedLoan is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX and XXXX During the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, FedLoan is reporting to credit reporting agencies such as XXXX, XXXX, and XXXX, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, FedLoan granted me a retroactive forbearance in XX/XX/XXXX that lasted fromXX/XX/XXXXto the end of XX/XX/XXXX. <P/>Thus, FedLoan is aware that I was supposed to be in forbearance, they approved said forbearance way back inXX/XX/XXXX, and FedLoan has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end ofXX/XX/XXXX. <P/>However, despite my numerous efforts to get FedLoan to update the credit reporting agencies to remove these late payments because I was in forbearance, FedLoan continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called FedLoan to dispute these late payments, and I have supplied FedLoan in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied FedLoan with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinionXXXX FedLoan continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update and I dont understand where this account came from. I have never seen it on my credit report before. I believe that someone used my personal information and applied for it!
Product: Debt collection

DIVERSIFIED ADJUSTMENT has Submitted False documentation stating that the account is opened since Date opened XX/XX/2022 when it wasn't I don't know who this company is but its hindering my credit Score do the False Information I never Spoke to this Company or Signed any Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy showing on my report from 2015. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.
Product: Credit reporting or other personal consumer reports

Transunion has harmed my credit worthiness, yet again! I am XXXX XXXX XXXX the consumer, in fact. On XX/XX/2023, Transunion allowed XXXX XXXX XXXX to report an un-investigated report that XXXX communicated they received from XXXX. This is the 2nd collection agency that XXXX has sold my personal information to without MY written consent and MY knowledge! Transunion has a grave responsibility to make sure that my credit report shows accurate information and not harm my protected right to privacy.
Product: Checking or savings account

An individual accessed my online banking attempted to use XXXX, added a bill pay recipient, changed my address on file, and attempted to fraudulently deposit 2 checks each in the amount of {$1500.00} around XX/XX/XXXX. On XX/XX/XXXX, my account was frozen. I contacted Suntrust 's fraud department on XXXX stating the fraud and was informed it would be escalated with resolution in 2-3 days : the companys interests are held superior to their clients interests. 

A follow up on XX/XX/XXXX yielded no further information, but I am the victim of Identity Theft in the amount of {>= $1,000,000} to utilize for the policing of these wanton, reckless, and negligent organizations. 

Suntrust was already informed of their rights as concerned with the law : theft is preventing access to funds that are rightfully the property of said individual. The contracts written contain fine print and do not meet the definition of conscionable due to non-disclosure of said terms including their universal applicability : selective application is a criminal activity. 

In the case of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX al the following banks were found guilty of disability discrimination : XXXX XXXX XXXX XXXX The continued criminal theft and drug deals have been overlooked due to ample legal and monetary resources protecting illicit operations. Unfortunately, case law denotes, XXXX v. XXXX, their guilt regardless of their stance and comprehensive argumentation.
Product: Mortgage

In XXXX I was notified that as of XX/XX/2022 Truist Bank would be taking over my mortgage from XXXX. 
Since day 1 I have been trying to set up a way to pay my mortgage to them but they have given me nothing but excuses as to why their systems won't allow me to set up an account. Today I tried again and they told me that my cell phone did not pass their security measures so they couldn't set up online banking for me. I said sending me a book of payment slips would be fine as well. I just need a way to pay. They refused to send a book also. I said there.must be a way to pay my mortgage. They had no response. I did not ask to do business with this bank. I was perfectly happy with my original bank. I feel that Truist bank is purposely not allowing me to service my loan because of my low interest rate and they are looking for a way to add additional fees or foreclose on my home. All I want is a simple way to pay my mortgage like I always have.
Product: Debt collection

I want to formally write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so i was in Kansas XXXX  XXXX XXXX ( XXXX  ) when I gave XXXX  to my children ( XXXX  ) in XX/XX/2014. When you are ward of the state ... They are liable for hospital bills ... and any other bills that are incurred since i was not even able to have insurence if i wanted. I had to dispute a few debts with transunion and equifax due to hospital bills that were on my credit report. All were removed except this bill through XXXX XXXX  that i have disputed twice now. I dont understand. This is not my debt ... It belongs to the state of Kansas and its showing negitivity on my report and im trying to clean my life up.
Product: Credit card or prepaid card

On 13Apr20, I received an email from USAA informing me that my credit limit had been reduced to {$500.00}. Prior to that, my credit limit had been significantly higher, however I can't recall what the actual limit was ( and they were unable to tell me when I asked them about it in a subsequent phone call ). I called their Customer Service department on XXXX20 and spoke to a representative about the credit limit reduction where I was informed that the reduction had been made due to inactivity of my credit card and for no other reason. I expressed my concern regarding the potential negative impact to my credit score as a decrease in my credit limit increases my overall balance to limit ratio. The representative was unable to understand my concern about the balance to limit ratio and informed me that no derogatory remarks were reported to the credit bureau. I have worked very hard throughout the years to ensure my credit score is excellent so this is very frustrating to all of a sudden have a credit limit decrease when nothing has been done on my part to cause it.
Product: Vehicle loan or lease

I was in a financial Hardship where I lost my job and could no longer afford my car payments. O recently scarficed my right & the company came to repossesse the car informing that the car would be placed in a auction & the profit that is made from the auction would be placed towards my loan. I originally had another card from usauto sales that was a XXXX XXXX XXXX that I was paying {$180.00} for every two weeks however o traded it in for another car which was a XXXX  XXXX XXXX that supposed to be a push to start & the payment increased to {$250.00} every two weeks. Company told me that I can trade my car in after 3 years but didn't inform me that my payments will increase. Company did not want to work with me during financial hardships
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiry on my credit report Clarity Services dated XXXX XXXX, 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian, XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX   XXXX Balance Owed : {$23000.00} DEPTEDXXXX   XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Debt collection

I would like to settle my debt with Pro Collect, I have called countless of times and was told I could only speak to the person in charge of my debt XXXX XXXX. I was told the only way I could reach him was through email. I have been emailing XXXX XXXX for months on end without a response. I have even called the debt agency to see if there was another person I can speak to other then XXXX XXXX but was told XXXX was the only person I may speak to. When I did finally speak to XXXX XXXX he was very disrespectful on the phone with me, yelling at me like I committed a crime. I was very respectful speaking with but was continued to be yelled at. When I said I was filing a complaint I was later hung up on
Product: Credit card

Opened the business account in XX/XX/year> which reports to my personal credit. Applied for increase in XXXX and letter stated I would need to have account opened for 3 months before increase could be considered. Applied for increase today - XX/XX/year> and letter declining stated : " Your financial obligations reported to us by the credit reporting agency are too high ''. I immediately downloaded my XXXX credit report because I knew this information was incorrect. My income reported is $ XXXX ; Mortgage payment is {$5700.00} ; and all other debts are paid off to include auto and credit cards. My current credit score with XXXX was reported as XXXX. Asked Capital One how did they come up with this determination and what was the debt-to-income standard they use to make their determination since they stated it wasn't credit score. I stated this account is paid in full every month- so why the decline determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 acquired my credit report an extra credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) After doing their investigation XXXX Experian and XXXX XXXX failed to send me the method the verification of these accounts from the original creditor I waited 30 days and received my investigation and noticed everything was still the same consumer reporting agencies which is XXXX Experian and XXXX XXXX did not modify or remove anything, The date open is not correct, they less activity is not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying my family a house and getting funding for my business
Product: Mortgage

My mortgage was transferred to Roundpoint Mortgage Servicing in XX/XX/2023. Ever since the transfer I have consistently faced trouble submitting my payments through their online website. I always ensured to submit my mortgage payments on time, yet their online payment system either does not deduct the payment or returns it to my bank as a stopped payment. I usually have to resubmit my payment twice or thrice to ensure that they received my mortgage payment. Recently, in XXXX I have faced the same issue, however now they completely changed the amount received although my bank statement indicates that they received the complete amount due. Whenever, I try to speak to the customer service center they are of no help, evade answering questions, and state that they can not see my payments through the system and try to make it appear as though it is my banks problem, although it is not. Please, help me ensure my mortgage payments are timely paid, I have everything to prove I have submitted my payments timely. This company does this to increase the monthly payments and are causing me unnecessary trouble and financial harm. Please help me resolve this by communicating with them. I am honest in my dealings and try to stay up to date with my mortgage payments. Thanks!!