23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I received a debt collection notice in the mail from Midland Credit Management indicating that they purchased an alleged debt fron XXXX, XXXX. XXXX XXXX. Upon receiving this notice I responded twice with letters that I sent registered mail requesting Validation and Verification of alleged debt. I was very clear in my response what Verification and Validation I was requesting. I have not recieved a response for full Validation and Verification. I have now been sent notices of possible attorney review and pre- legal notification without Midland providing full and specific verification and validation! I strongly question and dispute the amount they are claiming I owe!
Product: Student loan

My name is XXXX XXXX, I attended XXXX XXXX XXXX in the XXXX of XXXX. I received federal and private loans through the financial department at school. Basically I had gone through the program and there had been technical issues with an online XXXX class, at that time they were just starting the online classes so there was many technical issues. I lived two hours away from campus and could not afford to attend anymore, also because the XXXX class was a general education course I could just take it at a local XXXX college. I was told that I would not be allowed to do that. During the recruitment I was told outside credits could be transferred in. I 've paid close to {$30000.00} and have no degree to show for it. I 'm still paying off the loans because of the fear of XXXX my credit, plus when things were explained I was told all the loans would be similar in interest rate. All the loans were 2-3 % and the XXXX private loan is at 9.5 % I did n't even know an organization like yours existed, if I did I would have made a complaint a long time ago.
Product: Debt collection

receivable management is not licensed or bonded in the state of Oklahoma and they are harassing me attempting to collect a debt I do not know of. I've asked for copies of my contract with a wet signature and they have yet to furnish anything. They are stating i owe a debt for {$660.00} with the account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX 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

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX,XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

I have been disputing a debt with a company XXXX for over a year now. I had an account with them back in XX/XX/2014. I paid this debt in full back in the year of XX/XX/2014 in the amount of {$380.00}. Unbeknown to my knowlege about a year later I noticed on my credit report that it is reporting as a charge off to a bad debt. I would like to note that I directly contacted the company immediately and was told at first yes the debt is clear zero balance. I requested that it be corrected with the credit reporting companies as it is affecting my credit with false information. It was never removed. I again contacted them and was told the account was sold to Crown Assets. I contacted crown assets and was told that they have no record on file and that XXXX is no longer in business. I disputed this account with all 3 credit reporting companies and finally XXXX confirmed after there investigation that it is to be deleted off my credit report. ( which it was deleted ) however it is still reporting on XXXX and XXXX. I am fustrated that experian and XXXX is still reporting this. It is affecting my credit score. I paid this debt in full 4 years ago. Plus my biggest question is how XXXX was able to verify to delete it off my XXXX credit report because they have received confirmation but XXXX and XXXX did not receive the same response. It leads me to believe that XXXX and XXXX did not due a full investigation. I then contacted XXXX to see how they received there verification to delete the account and I was told that there was no response within the 30-45 day period they have to respond so by law it is automatically deleted. The rep also stated to me that it was confirmed that this company is no longer in business. I have been disputing this like I mentioned earlier for over a year now and they are still reporting it. I feel they are just updating the false information. I paid this bill in full 4 years ago and I planned on never ordering from them again anyway because there was nothing but problems with the item I had bought. ( It was a XXXX XXXX XXXX tablet ). The screen was cracked slightly and the tablet hardly works. ( I complained about it immediately and was told they would send me another tablet and I was to send back the damaged one ) They never sent me another tablet so I personally paid out of my pocket to replace the screen. Either way I received the merchandise and I paid for it. That company was beyond horrible and do not stand behind there products that's why I was never ordering from them again and probably why they went out of business. Having poor customer service like that will have you loose your customers. I want this account removed off my credit report. I am being penazlied for something that I paid for in full 4 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

PULLED MY CRETIT REPORT AND THERE IS INQUIRY THAT I DIDNT AUTHORIZED.WHICH ARE : XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2023, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I sent Experian my FTC report, drivers license, sec, police report, affidavit notarized, and list of accounts and inquiries that are not mine. They have failed to reply back to me in the appropriate time frame and they also responded to my previous CFPB complaint number XXXX saying that there was a third party working on my dispute and they need authorization with Identification documents sent in for them to continue.I already sent in EVERYTHING to them and I'm working on my disputes by myself!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX  # XXXX - XXXX XXXX, # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I established an online retail credit account through XXXX XXXX 's website on XXXX/XXXX/XXXX. This was regarding a treadmill purchase. I was financed through XXXX XXXXXXXX XXXX and it was not under the terms advertised under the XXXX XXXX website. I have called XXXX XXXXXXXX XXXX on XXXX recent occasions in XXXX XXXX since receiving my statement. I also followed-up through email directly to XXXX XXXXXXXX XXXX on XXXX/XXXX/XXXX. So far no action has been taken by XXXX or XXXX XXXX. The account that I set-up on the XXXX XXXX website was for 18 months, with no interest. My XXXX  XXXX XXXX account is not showing a 0 % interest rate- as advertised and agreed to. My current APR is showing as 29.99 % which is incorrect. Please see the terms below on the XXXX  XXXX Website. 
" No interest if Paid in Full within 18 Months : To avoid interest, you must pay the full promo balance before the promo period ends. If you do not, we will charge interest from the purchase date at the standard Purchase APR. After the promo period ends, the standard APR also applies to the remaining balance and the charged interest. You are required to make minimum payments, but minimum payments will not pay off the balance on time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum monthly payment and excludes taxes, delivery, or other charges. Limited Time Offer. Regular account terms apply to non-promo purchases. Minimum interest charge : {$1.00}. Standard Purchase APR : 29.99 %. Prior purchases excluded.Account must be in good standing. Subject to credit approval. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I contacted the XXXX XXXX letting them know that the collection account listed by National Credit System ( Account number : XXXX ) is reporting inaccurate information on my consumer report. The companys property, XXXX XXXX XXXX agreed and told me that they would correct the issue. I asked that they have the collection deleted and send me a letter that explains that the debt is inaccurate and that they are working to correct the issue. I called back to check in the status and the company stopped taking my calls. I left voicemails and sent emails and they still havent responded. Following this attempt, I called from a different number and they answered on the second ring. When they realized that it was me, they told me that they would give me a call back. No one has contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : Credit Acceptance Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. 

I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Product: Credit card or prepaid card

I have a credit card with capital one. I was charged an annual fee for the card of {$39.00}. This card was enrolled in autopay. The charge for the annual fee was not automatically deducted. At no point was this card taken out of the autopay program by myself. As Ive not used this card in years, the charge wasnt noticed by me until XXXX on my credit report. It showed a delinquent payment. I tried contacting Capital one asking them to provide proof of my stop in autopay, as well as where I was informed and signed off on their annual fee. Ive been hung up on by live agents and signed off my account when I tried to use their online chat portal to address these issues. Im more than happy to pay but I want the delinquencies taken off of my credit report as I never consented to taking myself off autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous request for investigation for accounts reporting on my credit file that are erroneous and I have not received any mail or seen comments that show evidence that my requests have been acted upon. Please help me remedy this issue.
Product: Student loan

Payments are extremely high. Have n't been able to pay. I applied for IBR in XX/XX/XXXX. Did n't know I needed to annualy renew. Whenever I spoke to a representative they just suggest I do a forbearance. I didnt find out until XX/XX/XXXX that I was suppose to renew the IBR in XX/XX/XXXX. Now my loan is double the amount of what the orginal loan was for.
Product: Debt collection

XXXX XXXX- we went to court and I paid them as agreed by the judge XXXX they in turn took me back to court and did not show up for the matter the judge them dismissed this case in my favor but XXXX  XXXX wont remove this off of my credit and after the judge decision they told me I owed them XXXX. I believe they are targeting my unfairley and did not follow the ruling of the court they are trying to hold my credit in bad standings until I pay what they want me to pay not the order of the court.
Product: Checking or savings account

My brother XXXX XXXX asked me if he can mobile deposit his check for him and I mobile deposit back in XXXX last year the back made the money available but when I wanted to withdraw the next day they told me my account was frozen and they doing investigation. I did not know they dont accept 3 rd party checks. So they told us that both of us need to go into to a capital one branch and verify ID and they would unfreeze my account. We went into to the bank cafe but they would not accept my ID because my work permit expired I was still waiting for it to come in the mail I showed them the paperwork but there system was not accept it .we were advised as soon as my I d come in to call them and they can send me a link to XXXX XXXX. I did that and they keep saying they will unfreeze account we wait and months go by we call and they keep saying they still investigating. I dont know what the problem is they already call the check issuer and verified .we keep calling they say they keep saying its still under investigation finally they say we need to go again to the cap One branch and show both ID get verified so on XX/XX/XXXX both of us went to the bank again verified our ID sighed the 3rd party check XXXX and XXXX form everything was done verified and they said my account should be active by next day ..one week go by .today I call they say they are still investigating whaaaat is going on I dont understand what else they need from us to unfreeze my money its been over 6 months i fell behind on mortgage and other payments this has cause a lot of issues financially can you please find out what is really happening I need my money been over 6 months my account frozen even after we went there submitted our IDS signed the paperwork I called them today XX/XX/2023 to get a update on whats going on. The lady on phone said she gon na investigate and call back with 3 hours .I got no call back from them I called her back and capital One had the nerve to say that the dont have the I D on file now tell me how unfair this is when we drove 3 hours to the Capital one Cafe in XXXX the ambassador took pictures of both IDs from his Tablet and had us sign the 3rd party check form confirmed to us that account would be activated unfrozen within few hours I even sent them all information via email last week. Is this really possible or are they trying to put me thru XXXX and have a nervous breakdown my bills are all behind including rent and my electronic bill its been absolute XXXX the past 6 months and because ofcapital ones negligence in not handling this situation in a timely manner making me feel like they didnt care at all they making no effort to resolve this situation I had to complain before I go XXXX dealing with this situation which was not even Fraud or anything that would require this much time since XX/XX/XXXX last year when I made the deposit .I need help I cant continue to carry this on any longer I would really appreciate if your company can help me out
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. - XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported on my credit report for a collection of {$230.00}. My balance was paid through XXXX and XXXX XXXX has incorrectly reported a collection report on my credit report. I would like XXXX XXXX to immediately remove it's report upon my credit report to all 3 credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report resulting from a recent data breach in which I became a victim of identity theft. I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitles me to have these accounts and inquiries permanently blocked and deleted from my credit file.The following fraudulent accounts should be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} Additionally, I request the removal of the following unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CFPB Transunion Expedited Removal Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ) XXXX bal. {$2000.00} XXXX # XXXX XXXX. XXXX XXXX XXXX bal. {$500.00} XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX  XXXX XXXX {$7000.00} acct. # XXXX XXXX XXXX  bal. {$8000.00} acct. XXXX XXXX I am a victim of XXXX  XXXX  of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION LLC CUSTOMER SOCIAL SECURITY NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX AS IT APPEARS ON CREDIT REPORT * XXXX XXXX COPY OF ID ATTACH DISPUTE LETTER ATTACH PROOF OF ADDRESS
Product: Checking or savings account

I had my identity and my social security check stolen from my account when I mistakenly called a number that I thought was XXXX about being refunded for a payment that I had made to the wrong account. I was asked to go to a local XXXX and use the atm there after the scammer told me ( remember I thought it was XXXX but wasnt ) that it was the only way to get my refund. I was asked by the scammer to put in different codes into the atm there. When I realized I was being scammed, I quickly checked my online banking account and my social security check was stolen and the account was overdrawn by more than {$800.00}, which I immediately called Huntington Bank and reported to their fraud department. They said that it would be 10 days before I could get my money back. In the mean time, i locked all 3 credit reporting agencies, filled a police report and froze my Social Security number as well as reporting to Identitytheft.gov. I also had to get a new drivers license as the scammer asked to see my id through an app on my phone. 
I found out that the bank had put in the fraud for goods not recieved ( which was wrong ) and had to wait an additional 10 days at which time I was told they would not be refunding me any of my money. In the mean time, my following months Social Security check was deposited and applied to the negative balance, which left me still in the negative balance. I was able to get them to refund {$50.00} in fees and was still negative. Both social security deposits combined were a total of {$1500.00}. I have several case numbers from Huntington as well as all the receipts from the atm. My money was stolen to buy bitcoin. I dont even know what that is!
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. Recently I saw late payments appear on my consumer credit report account XXXX XXXX XXXX # XXXX .., XXXX XXXX XXXX XXXX XXXX ...., and XXXX XXXX XXXX XXXX XXXX .... from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report.