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

Identity theft Unknown person open account in my name XXXX XXXX  XXXX also known as XXXX XXXX XXXX Date open XX/XX/2017 Amount XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out about the Equifax system breach on XXXX/XXXX/XXXX and I immediately requested my consumer report from Equifax. A rep from Equifax informed me that my credit file was in fact heavily compromised with multiple new accounts overseas and that for my protection my file was " administratively '' frozen. The rep ( XXXX? ) further informed me that even though I verified my account verbally and submitted the requested photocopies of ID that Equifax will NEVER release my file as it was not just compromised, it was used fraudulently to destroy my credit. 

Furthermore, Equifax will not do anything with my consumer file. As soon as I verify my SSN on subsequent calls, i will be informed that my matter was resolved and hang up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting on my credit report every since XXXX of XXXX and this is XXXX of XXXX and still is reporting the statue of limitations in Tennessee is 6 years and on top of that I asked them to verify this is my account with a signature and have yet to receive that only thing that they send out is a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} XXXX XXXX, EXPERIAN XXXX XXXX HAVE CONTINUSLY DENIED DISPUTES NCA- {$440.00}, denied by all 3 bureaus XXXX {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} XXXX & EXPERIAN
Product: Debt collection

I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with Wakefield, 5 collections through XXXX  on XX/XX/XXXX. 1 collection through Wakefield on XX/XX/XXXX, and 1 collection with XXXX XXXX, 4 collections through Wakefield on XX/XX/XXXXI am disputing all of these on legal grounds
Product: Money transfer, virtual currency, or money service

paypal close my account for no reason and not get help me for gettingit back up ans going.. iam not sure if this some mistakes as i assumed it has to be i have not been able to get help from them for months but i just remembered i could f ile a report from here as i feel they are they are not doing thei job properly and it is effecting me a great deal as i use PAYPAL quite frequently my EMAIL linked to my paypal is XXXX XXXX
Product: Student loan

While enrolled at XXXX XXXXXXXX XXXX in 2004 and was pushed to get private loan instead of fed loans. Now under the law sue of of sweet vs cardona i had me fed loans remove but cant get private one taken off. Navient became my service provider and as of today owe {$56000.00}. I was not properly explain the ramification of placing my loans on forbearance. I place my loans on forbearance multiple time. This lead me to exhausted forbearance. Because of this evetime i ask for any financial assistance they tell me to ask family members or ask my elderly mother for money. I made statement like " it sound like you want me to life on the street just to pay this deed and they reply that well i bowered the money and need to pay it back. This people have no heart or compassion for anything except their money please help me with this..
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any credit inquiry from these companies
Product: Credit reporting or other personal consumer reports

My credit report includes unauthorized hard inquiries that I did not approve. Remove them as per 15 USC 16c-2.
Product: Debt collection

I called this company to ask for details like a contract between them and myself and they hung up on me. I never heard of this company, never contract with them THIS IS FRAUD
Product: Credit card

I made my minimum payment on my credit card on the due date of the XXXX with my debit card. I still got charged a XXXX late fee for the card not being processed until the next day which is ridiculous. I contacted the company and was told I needed to pay it by XXXX. Thats very unfair for people who pay bills on the day they are due. I thought I had until midnight or at least XXXX on the XXXX. I think the practice of charging someone a late fee on the same day of the payment is very unfair.
Product: Credit reporting or other personal consumer reports

Discover Bank - {$280.00} - Balance Updated XX/XX/ - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like credit karma and even with experian and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/ Department Of Education - {$10000.00} - Balance Updated XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX, I received a knock at my door ; by Deputy of Civil court. He served me with a citation, from an attorney 's office ; claiming to be suing on behalf XXXX XXXX XXXX XXXX, who purchased the account from, Rooms to Go/Synchrony Bank XXXX 
This came as a shock, because I had not been notified prior. Nor was I sent any letters notifying me, or giving me an opportunity to make a payment arrangement of any sort. 
What's worse is, they are suing for the original amount of the item placed on the credit card. This should not be the case, as the item was {$1100.00} and the credit card limit given, was {$1000.00}. 
I created the account in XX/XX/XXXX. I ordered a sectional from Rooms To Go, through Synchrony Bank Credit. This was a 3-year term with no interest. I was given 12 months to purchase the sectional at sale price. I began making payments on the Synchrony Bank, Rooms to Go account, once I received the sectional, one month later. ( XX/XX/XXXX ). Minimum payments XXXX. I made payments consistently, for months. 
I will admit payments were a little late, but never more than 20 days late. In XX/XX/XXXX, I was hospitalized with XXXX.I contacted them for help with late payment fees. I was still making payments while sick. They refused. I was paying, but with high lates fees, it was if, I was paying anything at all. All of this, while not receiving income while sick. 
I reached out again, when released from hospital ( XX/XX/XXXX ), to ask for payment assistance. I received no help. I had made 10 payments by this time. 
When trying to login to my account to make a payment, in XX/XX/XXXX ). I found that my account was officially closed on their website. I tried to get payment history, to rectify the balance. I received nothing in the mail. 

Fast forward to XX/XX/XXXX, they have sold the account to an attorney 's office, to sue. They provided the attorney with my last payment on the account. Just the 1 payment, after I made 10 months ' worth of payments and they are suing for the full amount of the sectional. 
I have submitted my response to the citation I was served on XXXX XXXX, requiring proof of debt, in my city 's civil court. I have not received proof of my debt from the attorney, since. 
However, I received yet another citation from the civil court, this afternoon, XX/XX/XXXX.
Product: Debt collection

On XXXX/XXXX/17 around XXXX XXXX I received A CALL FROM A REPRESENTATIVE BY THE NAME OF XXXXXXXX XXXX ( NAME WAS N'T CLEAR ), AS I KEPT REQUESTING XXXX TO DISCLOSE THE REASON FOR THE CALL HE FINALLY TOLD ME THAT HE WAS ATTEMPTING TO COLLECT A DEBT, AND KEPT ACCUSING ME THAT A DEBT BELONGED TO ME. I QUICKLY MADE XXXX AWARE THAT HE WAS IN VIOLATION OF FDCPA RULES AND REGULATIONS AND REQUESTED HIM TO REMOVE ME OFF OF HIS COLLECTIONS LIST. THE DEBT WAS FRAUDULENT AND I HAVE KNOW KNOWLEDGE OF THE DEBT, AND ALSO ASKED HIM TO STOP THE HARASSING CALLS AND TO CEASE AND DESIST ALL COLLECTION EFFORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC is reporting these three items. I have contacted Equifax as I have a right to privacy. The accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are fraudulently reporting on my Equifax Consumer Report. At no point did I the consumer, give my expressed written consent for this consumer reporting agency to report these items.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased a company vehicle because I had established business credit to obtain a business loan. From XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report XXXX is reporting on my personal credit report. Ive signed up three times for an extension and paid the extension and XXXX never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XX/XX/XXXX. I paid the first payment XX/XX/XXXX online. XXXX tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XX/XX/XXXX I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XX/XX/XXXX and the representative notated the account and saw where I made the agreement and that department was closed. Today XX/XX/XXXX I spoke to 5 people and no one assisted our company. This is unacceptable and predatory.
Product: Credit card

CapitalOne closed my account without any notice on XX/XX/2107. At the time of closure there were many transactions which were pending, and Capitalone never issued me rewards earned for pending transactions. 
The rewards amount by the end of XXXX was {$14000.00} The rewards credited to my account during the time of closure are {$14000.00}. 
That means rewards earned for the month of XXXX before closure are {$470.00}. The total transaction amount for the month of XXXX is {$37000.00}, and we expect 2 % in rewards which is {$740.00}. With that said we still missing {$260.00} rewards. 
Since this account closure is done by Capitaone they should issue me rewards for each transaction.
Product: Credit reporting or other personal consumer reports

XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : XXXXXXXX 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Attached I have a self attestant signed by a state governmental entity, which is listed as one of the acceptable XXXX  determination documents.

According to the FCRA, consumer reporting agencies can only deny or rescind a block in limited circumstances : 1. The identity of the survivor can not be reasonably confirmed ; 2. The survivor did not provide documentation from an accepted source determining that they are a victim of XXXX ; and/or 3. The consumer reporting agency can not identify the adverse credit information to be blocked. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank of Delaware is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).
Product: Student loan

XX/XX/XXXX Dear CFPB, XX/XX/XXXX, I took a few loans out to cover the cost of my 1st two years of college. The loans were ( XXXX ) Direct Loan - Subsidized, Direct Loan - Unsubsidized, and a Stafford - Unsubsidized. We were told these were all a fixed interest rate. However, it seems that they have increased throughout the years. We originally took out {$13000.00} ; this will exceed well over {$18000.00} by my paid-ff completion date. Next, I had another issue XX/XX/XXXX with Navient regarding a deferment. I took 1 semester off of college, which is perfectly fine to do as long as it does n't exceed that time. During this grace period, I received letters from Navient ( XXXX XXXX ) saying that I have to start paying back my loans. I called and told them that I am just taking a semester off and that I will be returning the following semester ( Which i did ). I was assured that everything would be taken care of, to disregard the incoming bills, and that this would not effect my credit in anyway. In the end, nothing was handled, and it was turned into my credit as a default. This hurt my credit tremendously and I 've been battling to get it up ever since. Naivent did not provide the correct information to my credit reporting company therefore my credit suffered, ultimately costing me thousands of dollars throughout the years. I believe I will be getting a lawyer to help with this issue and help retro pay me for any inconvenience I 've had to experience throughout the years I 've had to deal with Navient. 

Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' "
Product: Debt collection

XXXX has continued to give false information to the credit bureaus regarding this account that was initially XXXX XXXX. This account was removed from my report by XXXX XXXX because of a dispute. This company has on numerous occasions provided false information in order to reage this account that was originally disputed in XX/XX/XXXX. Pinnacle is reporting XX/XX/XXXX. I have filed a lawsuit and have sent them a certified copy. I just received a return receipt that looks like chicken scratch. This company uses fraudulent tactics and has yet to notify the bureaus of pending litigation or of the XX/XX/XXXX originated date for XXXX XXXX. This company needs to provide a copy of what they provided the bureaus and also documents from XXXX XXXX on their own letter head with a date from this year. I have also contacted consumer protection in the attorney generals office in their state as well as ct.
Product: Credit card

Nothing in your system is a perfect match for my issue. 

I received a call from XXXX Fraud Department that someone applied for a credit card in my name. I looked on my credit report and found that BofA, XXXX XXXX, TD, and XXXX Bank all had hard inquiries. The same day, I received a letter fro BofA that the application was denied. I tried to call BofA to tell them that this was fraud, and they make it impossible to get in touch with anyone. I have no accounts with BofA, their automated system requires me to input my card number, of which I have none. I tried my SS and it said it didn't match my phone number and prompted me to enter a card number again. I asked for customer service, but it would NOT connect me without a card number. They are an awful company, they took a fraudulent credit card application, and they do not allow for anyone to report the fraud. I called all the other companies that had applications made and ALL of them answered and made the process easy and seamless. BofA makes it impossible. It is a stressful situation being a victim of identity fraud and instead of helping, they make matters more stressful. Application reference that appears on the paper I received today from BofA is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help! I reached out to the credit bureaus on XX/XX/2023 and haven't received a response! Information is still incorrect and violates my rights! My understanding Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX XXXX. Validate Account Please investigate and delete from my credit report. 
XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Ive sent out several dispute letters, Ive requested proof, Ive also sent over rights in which were violated breaking consumer laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ran my Experian report and found inaccuracy on my report from XXXX Account # XXXX. I have written a letter to Experian on XX/XX/21 and XX/XX/21 to make the correction. They have not responded to the letter I send on XX/XX/21. They only responded to the second letter stating that it has been charged off and settle for a les amount. I have explained to the that it not reporting correctly. This account has been closed and paid in full for almost 24 months. It keep showing up reporting different information. I also have a letter from XXXX  showing that the loan was paid in full. It keep repporting different information. Copy of the last report is attached.
Product: Debt collection

I checked my credit report today and noticed a collection account from FIRSTPOINT COLL RESOURCES. I thought that I had payment arrangements made with the hospital and I have contacted them about a financial hardship. I acquired these medical bills from being diagnosed with XXXX XXXX XXXX. I was out of work for XXXX months and XXXX of those months I was not getting a paycheck. I was forced to move out of my apartment and my mail was being forwarded to the wrong address. I am basically homeless and living with a friend right now. I don't know if mail was lost. I am back and forth from different houses and don't always get mail and I would have disputed this or call to make arrangements before it was just added to my credit report. I am having a hard time and trying to get a house but with this being added to my credit report, my score keeps decreasing.
Product: Mortgage

I  'm trying to get the  XXXX  form for 2016 and I ca n't get anyone to fax nor email ( thru encryption ) ... .... They wo n't sent it to me and I need it today.
Product: Credit card

There was an unauthorized charge on our credit card XX/XX/XXXX for {$380.00} from XXXX XXXX XXXX ( XXXX MO ). We requested credit card co.to dispute the charge. It was denied because credit card co. received a ( false ) reply from XXXX XXXX XXXX. We tried to contact XXXX ( owner - XXXX XXXX XXXX ) via phone, email, mail, and fax. We never got a response and phone # was out of service ( since XX/XX/XXXX ). Credit Card company made contact with XXXX XXXX but would not reveal to us how. The fax # for XXXX would not work when we tried it. Her written reply that was sent to the credit card co. was that she had contacted us at XXXX on XX/XX/XXXX and we had authorized that XXXX charge. That was a false statement! We never spoke with them or gave them authorization for that charge which was beyond the 2-year verbal agreement made XX/XX/XXXX-XX/XX/XXXX for 4 payments. That XX/XX/XXXX charge was the XXXX payment. It was not authorized. Other local companies had the same issue with XXXX XXXX XXXX and their credit card company refused the charges for their account holders. The credit card company now tells us that after 50 days they will not reverse that charge. When we received the credit card company 's notice of denial of the dispute, it was already over 60 days then.
Product: Credit reporting or other personal consumer reports

Experian did not fix my credit score which is still sitting at XXXX even though I have paid all my debt! This is very unprofessional. I feel like I have been picked on and descriminated against me. Fix my credit score! It's not fair! When consumers failed to make their payments to creditors credit bureaus are quick to report it and reduce your credit score, but when you pay off all your debts they dont do their part to give your the credit increase score you deserve. Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

Under 15 USC 1681b, I dispute the furnishing of my information. I never provided written consent for the collection, use, or sharing of my personal data. Please remove any unauthorized inquiries immediately.

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted!!!

15 usc 6802 states I should be receiving options to opt in and out or putting something on my credit which I did not receive from this creditor 15 usc 1681b states you need written confirm from me to place anything on my report which this creditor did not receive from me at all
Product: Money transfer, virtual currency, or money service

Hello Good Morning I am experiencing difficulties in receiving payments through my account. In the last transaction, my client reported issues when attempting to send payment to my email address. When I tried to send an invoice, I encountered an error message. The same happened when I tried to integrate the checkout link into my sales page. After several attempts, I finally managed to receive the payment, but at that very moment, my account was blocked. I have sent all the necessary information to resolve the situation, but so far, I have only received automated responses. I would like to emphasize that I have an excellent reputation on the platform, with XXXX transactions completed and no complaints. I have completed all the necessary steps and verifications, and my service or product complies with PayPals acceptable use policy. I have met all the necessary requirements within the platform. Therefore, I earnestly request that you review this decision. I need to regain access to my account as soon as possible to resume my business activities. So far, I am only accumulating losses. Please, I ask that you review my case again. Thank you.