23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/year> at around XXXX XXXX  I had been shopping in the XXXX XXXX XXXX XXXX in Wyoming Michigan when I left my wallet in the parking lot. I contacted XXXX XXXX Police Department and my wallet was retrieved with my personal belongings missing such as my drivers license and my social security card. Currently within the pass few months i have noticed some unauthorized inquiries hitting my credit reports consumer reports such as Transunion, XXXX and XXXX. My credit score has dropped traumatically. Please take in consideration that I am a victim of identity theft and help protect and secure my personal information. Thank you..
Product: Debt collection

I have received two phone calls that I answered ( there may have been other calls that I did not answer or we were not home for, but I answered twice ). The first was approximately 3 weeks ago to my home number, the second to my work cell, so clearly they are targeting me as while not hard to find, it took some research to find my work cell. The call was the same each time. 

It was a male voice, they identified themselves as calling from the Revenue Group ( XXXX ), which can be found online at : http : //revenuegroup.com/. They said they were calling on behalf of their client XXXX XXXX XXXX who can be found at : XXXX XXXX XXXX  Local phone # XXXX and were calling regarding debt I owed. Since I owe no debt I was suspicious of a scam much like the various other scams that are similar. 

On the first call I simply said I owe no debt and hung up. The second call came around XXXX on my work cell phone. It was the same claim. This time I said they were a scam and I had reported them to the FBI and hung up. I then followed up that call by calling XXXX XXXX XXXX who appears to be a credit card processing company and asked them if they knew who The Revenue Group was and would they use them to collect debt. XXXX, of the tech support department said they did not know who they were and did not use them. 

I have also reported this to the FBI and filed a clam ; the FTC and filed a complaint and will also call my State Attorney General 's Office. 

I would like them investigated as this is harassment and fraudulent. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request XXXX  to remove me from their credit reporting. Name spell wrong, DOB wrong. Address wrong
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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IGNORING MY REPEATED REQUESTS AS FOLLOWS DESPITE SENDING MULTIPLE LETTERS : Inquiry from XXXXXXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXXXXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$17000.00} DEPT OF ED/XXXX  XXXX Balance : {$6900.00} DEPT OF ED/XXXX  XXXX Balance : {$3300.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1600.00} DEPT OF ED/XXXX  XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$830.00}
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : BK OF AMER Account Number : XXXX Approximately 30 days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.
Product: Credit reporting or other personal consumer reports

So I checked my credit report and seen a few inaccuracies on my credit report such as accounts XXXX that was opened XX/XX/year> and Also XXXX that was opened XXXX XXXX, I made reports and also have proof that these dont belong to me this is effecting my credit score pretty bad and I feel that is not fair at all.Can you guys please remove this fraudulent accounts off my credit report thanks and I also have proof.
Product: Credit card or prepaid card

I made a purchase on XXXX, {$100.00}. I never received the merchandise. I contacted the merchant, they did not respond. I filed a dispute with Capital One, they issued a temporary credit. They rebilled the charge. The merchant issued me a full refund, documents attached. Capital One has refused to issue me the credit to which I am deserving.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XX/XX/XXXX ( around XXXX/XXXX/15 ) I called Navient and requested 30-day loan payoff letters for XXXX of my private loans. I needed these letters to complete a pre-approved loan consolidation application with a credit union. On XXXX/XXXX/15 I received these forms online, but there was a big error in one of the payoff amounts - rather than approximately {$4300.00} the letter showed {$43000.00}. The other XXXX letters were correct as far as I know. I called Navient back around XXXX/XXXX/15, informed them of the error and requested a corrected copy of that letter, in addition to new payoff letters for all of my private loans. These were promised to me within 24-48 hours. I still did not have the letters on XXXX/XXXX/15, so I called them back, having a lengthy conversation ( XXXX+ ) with a representative, then her supervisor, explaining the above. They promised a payoff letter for each of my loans within the next 24-48 hours. It is currently XXXX/XXXX/15 and I have not received them yet. 
Here are my concerns : I 'm concerned about the accuracy of the loan payoff amounts on the letters. 
I 've spent a considerable amount of time corresponding with Navient to resolve this. 
While I wait for the letters, interest continues to accrue on my loans - a higher rate than what would accrue if the loans were consolidated, which I can not do until I have the letters. 
If I do n't submit these letters to the credit union for my consolidation application within a certain time frame, they 'll cancel my application, causing me to start over from scratch.
Product: Credit card

Discover Card closed my account without my consent or notice. It is a credit card I kept active due to the higher credit limit on it, and it was one of my longer held accounts which has an overall affect on my credit score. I am extremely disappointed that credit companies are allowed to do this, knowing the way the credit scoring system is set up, and the detrimental damage it can cause to the consumer! This policy that these companies can use to close dormant accounts needs to be changed!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My rights as a consumer are continuously being violated by the creditor ( Capital One ) and the credit bureaus. In accordance with 12 CFR 1006.6 ( b ) ( ii ) At any unusual place, or at a place that the debt collector knows or should know is inconvenient to the consumer. 

Acct # : XXXX ( Capital one ) I have consistently provided accurate identity verifying information, and the fraudulent address and phone number, quite literally proving it isn't my debt. continues to stay on my contact information on this account. 

I have called both the creditor and the credit bureaus, and continuously get ignored, leading to this deliberate violation of my rights.
Product: Credit reporting or other personal consumer reports

I have recently gained knowledge in my credit report and realized there are items that i do not recognize. I have asked the bureaus to remove these specific items and they have/ will not. I have submitted an identity theft report that i will be attaching to this claim. I am asking for these items to be removed from my credit report as soon as possible due to them being inaccurate and not mine.
Product: Debt collection

The Final Straw Came when I called LVNV Funding to try to get an understanding of why they were reporting on my credit report. As of XXXX, when I called the representative confirmed that they did not have any information on this alleged Debt which is why they couldn't send me anything in writing about it. However they are still reporting this error on all three credit bureaus harming my credit scores.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a Vanilla Gift Card in the amount of {$500.00}. I activated the card and checked to verify the card balance. The balance showed {$5.00}. I immediately called the phone number on the debit card and was told that a company named XXXX XXXX had charged {$490.00} on the card upon activation. I immediately advised the agent that I had not made the charge and she declined the charge. On XX/XX/XXXX my card was charged again by XXXX XXXX for {$490.00} which left {$10.00} balance. I called the company back again and asked the agent to decline the charge. She told me I had to contact the vendor to receive a credit, but she had no contact information. She cancelled the card and said she would submit a request to reissue a new card. She also stated that it could take up to 90 days to resolve the issue. I waited until XX/XX/XXXX for a response and never received any response. I called again and was told they had no record of my initial complaint. They said they would send me a complaint form which I received, completed and returned on XX/XX/XXXX. I immediately received an email stating they had complaint and would receive a response within 90 days. I waited until XX/XX/XXXX for a response and emailed the company asking the status of my complaint. As of today no response had been received. Upon looking up XXXX XXXX only to find out that the company does not exist.
Product: Credit card or prepaid card

On XX/XX/2022 I advised PNC credit card that my cash rewards of {$98.00} had not been credited to my account. I submitted a dispute and they acknowledged that it was not credited however it never showed up on my account. 

On XX/XX/2022 I contacted PNC about a pending withdrawal from my checking account in the amount of {$930.00} and advised that it was an overpayment from an auto pay on my PNC credit card. The branch could not assist and connected me to the PNC credit card customer service. They stated they would put in a request to refund the over payment. Although it was pending PNC checking would not stop the overpayment nor would PNC credit card. I have spent hours on the phone over the last few days and they have not done anything to reverse the charge.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXXXX/XX/year> i received two unsolicited verification codes from XXXX XXXX. I never solicited anything from this company. I reached out by email ( no call center ) but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Peter Roberts & Assoc. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : XXXX XXXX XXXX XXXX  The creditor is collecting debt fraudulently! I opened my XXXX credit report to see the creditor is collecting debt from car Insurance ( XXXX XXXX ) He as sold this falsified information, or he is a XXXX I don't have health insurance under XXXX XXXX and I never had health insurance under XXXX XXXX. 

I've called his business twice, I left a message. The company never answers the phone. I have left messages and a phone number to call me back and no response. This information isn't on my health insurance or the health facility where I was seen. I've asked for this information to be mailed to me in a voice mail left at his office. I've called the clinic ( XXXXXXXX XXXX XXXX XXXXXXXX. ) they don ; t have a record of the service and neither does my insurance. 

Please remove this burden from my credit bureau file. 

Thank you, in advance.
Product: Credit card or prepaid card

I never received my card and theres been multiple unauthorized transactions made on my account without my knowledge or consent payments were made to the card account and were authorized but their should be no transaction authorized to be on my account. 
Capital one has been giving name a hard time to fix my account according to my authorization and have closed my account without my knowledge and consent of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have a right to pivacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting can not furnish a account without my written instruction.
Product: Checking or savings account

Navy Federal would charge a {$3.00} debit card transaction fee and additional interest charges to process a payment of only {$3.00}.

They intentionally overcharged the transaction, aware that the balance was not sufficient to cover the fee. Navy Federal would also clear each transaction as if the funds were available in the account, but in reality, the funds were not and had to be cleared.
Product: Credit card

Interest was charged to my account during what I believed was a six month interest free offer through First Bank Card -- -First National Bank of Omaha . 

My first billing statement was issued XXXX XXXX, XXXX with the first payment due XXXX XXXX, XXXX. I paid off the entire balance on XXXX XXXX, XXXX. Later in XXXX I received a statement issued on XXXX XXXX, XXXX which had a balance of {$37.00}, the only charge being {$37.00} in interest. I contacted First Bank and was told that 0 % interest began the day I activated the account, XXXX XXXX, XXXX. I said I was under the impression that six months would mean six billing periods. They said, " six months is six months '' and that I had to pay the interest charge. I said I would pay in dispute so as not to impact my credit rating. 

I have researched other 0 % credit card offers and they typically refer to months and billing periods interchangeably in regard to their offers. I believe that the marketing of the offer by First Bank Card was deliberately vague and misleading. The fact that there was no interest charge on the XXXX XXXX, XXXX statement would indicate that six months is not six months since I activated the account on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some INACCURATE instances of LATE PAYMENTS on an account for which I have always paid on time. Experian is reporting LATE inaccurate payments Meanwhile XXXX and XXXX XXXX reporting. It is imperative that this information be reported with utmost accuracy. I have never missed a payment. I demand these payments be promptly updated to PAID ON TIME. I have consistently upheld my payments obligations without delay.
Product: Debt collection

My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had XXXX XXXX close their credit card and send it to XXXX   Services, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX   Services agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX  XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXXt for overpayment from my bank account. Yet the alleged student loan servicerXXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicer-XXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX  Equifax and XXXX XXXX reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. This unauthorized account and inquiry were added without my knowledge or consent, and immediate action is required to address them. 

Inquiry - XXXXXXXX XXXX XXXXXX/XX/year> Account XXXX  XXXX I have already filed an identity theft report with the Federal Trade Commission XXXX FTC XXXX and am requesting the prompt removal of these fraudulent items to restore the accuracy of my credit report.
Product: Debt collection

This is a business loan. I was told to make a payment of {$720.00} which will bring the account back to current otherwise itll be reported to my personal credit. I made the payment and they still reported it on XXXX. Why did they collect the money when they knew theyll report it. Kindly ask them to listen to the recorded conversation as regards it.