23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted a complaint regarding an account that is listed on my credit report. While I was incarcerated, an account was opened in my name. I provided XXXX XXXX with documentation showing that I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. The XXXX Credit Card was opened in XX/XX/XXXX, seven months after I was incarcerated. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of incarceration that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, JPMCB - AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

I live in XXXX, KS. I opened an account in XXXX, KS prior to COVID and a job loss. I settled a debt around XX/XX/2021. The payment was made in full. 

A relative gave me notice that I have been sued in XXXX XXXX Texas. I do not live in XXXX XXXX Texas nor have I ever lived in XXXX XXXX Texas. This relative forwarded the notice to me in XXXX XXXX days prior to the date I was supposed to appear in court. I called the court and told them I live in a different state. The court date has been moved to XXXX. 

Why am I being sued in a state that I don't live? Because I have the same last name as someone in Texas? Wrong person, wrong identity, wrong location.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

To reiterate, the item in question is : XXXX XXXX XXXX ....
Product: Money transfer, virtual currency, or money service

Someone pay me thru my paypal account at first they put on pending and hold the money until 21 days to my suprise today i got an email from paypal saying that i can no longer use paypal they put to hold until 180 days mu money i dont do gambling and i dont violate any thing i badly needed my money.
Product: Debt collection

I was notified they took over a debt from a move out that I had received an emailed bill but no follow up on. 
Requested them to send me the information via email or fax, they did not, and as I am a XX/XX/XXXXveteran I didn't have a mailing address to give. They were extremely aggressive argumentative and condescending on the phone and gave me anXX/XX/XXXX. Asked for info on the debt and was told there was nothing they could do or send me. I told them multiple times I was willing to pay what I owed if they could provide proof but they were unable to. Felt guilted and coerced into paying and I was threatened with more credit reporting. 

They also said I never gave a forwarding address, when looking at the records, on the bill I received there is a forwarding address so that was a lie and they never sent it to the forwarding address. They also said they could not take payments online and forced me to pay over the phone when that was also not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

I made a payment of {$6200.00} on XXXX and my full payment amount has not been processed. They claim that because the payment was made within 120 days of dispersant that only partial payment was made. {$3700.00} was applied to the loan and still waiting for {$3000.00} to be processed. I have contacted multiple times and no resolution has been made other then be patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted XXXX XXXX to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by XXXX XXXX on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked XXXX XXXX is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that XXXX XXXX can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.
Product: Debt collection

Hello, I'm writing with serious concern and growing frustration about a collection account on my credit report that does not belong to me. I did not open this account, authorize it, or benefit from it in any way. Yet Ive been subjected to repeated contact, including threats and aggressive tactics, which is both disturbing and unacceptable. This situation has taken a toll on my mental well-being and continues to interfere with my ability to move forward financially. As a consumer, I have the right to fair and accurate reportingand this is a clear violation of that right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I have challenged the validity of these two accounts ( XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ) thats being reported on my most recent credit report. Upon challenging this, ( XXXX  ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately as I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

I found out i had XXXX fraudulent auto loans on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There was a new inquiry just added to my XXXX  credit report and XXXX  credit report which was not authorized by me. 

The XXXX  credit check run was done by Capital one on XX/XX/2021 There were 3 different hard inquiries by Capital one on XX/XX/2021, XXXX XXXX, XXXX on XX/XX/2021, and XX/XX/2021. 

I am out of the country from XX/XX/XXXX and still haven't traveled back to the US and I haven't requested credit inquiries or used my credit cards during this travel. 
I am contacting the companies to inform them about the fraudulent activities. 
In addition to that, I have contacted XXXX, XXXX, and XXXX to freeze credit reports and set up a fraud alert on all three. 


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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATIONXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had paid this debt in full there should be no balance In applying for mortgage, it's data is reported that I'm XXXX days past due. 

Previously, I had setup a special deferment agreed on after my last payment during pandemic. 

My family is relying on my ability to provide stable, affordable housing Now, I am unable to do that, because of this reporting data My credit is crashed because of this malinformation
Product: Credit reporting, credit repair services, or other personal consumer reports

A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed XXXX disputes in the past with both credit reporting agencies.
Product: Credit card or prepaid card

I have not received a Capital One Bank Menards Big Card credit card. I have been waiting for 30 days to receive a replacement card with a new account number, but I havent received any replacement card as of yet. There is currently {$3200.00} in fraudulent charges/transactions listed on my Menards Big Card credit card. All of the charges are fraudulent and not my charges or transactions.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I just received another letter from Wells Fargo Auto Finance. This one has my alleged 'Signature ' on it. 

1 ), The signature is so small I can hardly make it out. 
2 ) I can not write as small as they have on this alleged Loan Application as I have XXXX XXXX in my XXXX XXXX XXXX, and I`m right handed. 
3 ) I told the salesmen that I would not sign the application as it contained misinformation regarding my earnings and have no assets. So this Loan Application is a fraud. I`m attaching a copy for review. 

If Wells Fargo Auto Finance keeps denying this, then I believe it will be time for me to seek an attorney. I can also get one for free because I`m on Social Security XXXX. I will attach my award letter once again.
Product: Credit card

This company had already approved me for the XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. In fact, based on that approval I had already made a purchase at a jewelry store called XXXX XXXX located in XXXX XXXX, CA. on that same day. 

On Saturday XX/XX/year>, I returned to the same place to make another purchase which was within the approved limit but the merchant informed me that the creditor had declined the request! 

On Monday XX/XX/year> I reached out to the credit entity to find out what the issue was. After a number of attempts, a representative named XXXX informed me that account was undergoing a review and that I might end up being declined!! 

As a XXXX XXXX and XXXX XXXX XXXXXXXX, I had never ever heard of a creditor initially approving an applicant and then doing an account review subsequently. 

Therein rests my complaint against this creditor.
Product: Credit reporting or other personal consumer reports

A request for validation was sent directly to creditor XXXX on XX/XX/scrub> 2024, using the address listed on my credit report. The postal service has returned my disputes because of an invalid address listed on my credit reports. The creditor is intentionally using an incorrect address to avoid communication. Please delete this account under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau in direct violation of 49 CFR 801.56, GRAMM - LEACH - BLILEY ACT and numerous consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CENTRAL STATES add a derogatory mark on my credit reports. CENTRAL STATES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report the other day and found out that these three inquiries was on my credit report and I do not recognize them I need them removed.
Product: Credit card or prepaid card

I have no knowledge of this card. I never applied for it. The report says I applied for it in XXXX and around that time I had applied for mortgages around that time and some of the companies ran my information outside of my the ten day window. Therefore the inquiry didnt stand out to me back then. I got wind of this when the harassing phone calls and then it reported to my credit in XXXX. This is very discouraging because Ive tried to talk to them and they just keep saying they have my information so its me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! I have been disputing for the removal of the fraudulent items completely from my Credit File for already a long time and yet the Credit Bureaus have done nothing! I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and infomrmation that resulted due to identity theft. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 attached with my personal identifying documents and the IDTHEFT REPORT I received from the FTC. But despite all these efforts, it is clear that the Credit Bureaus have been slacking and ngeglected their duty with the FCRA. under the provisions of the FCRA section 605b, I need the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX - DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF EDXXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF EDXXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}
Product: Credit card

There has been a recurring charge on my monthly statements of XXXX {$30.00} for " Cash Advance Interest ''. 
I never have used cash advances. I finally called ( after neglectfully assuming that it would correct itself ) and spoke first with customer service and then to a a " finance manager '' named XXXX. 
I asked him to explain the charge. He fumbled for answers and then said he needed to go back in my statements. He went all the way back to 2011 which is when I opened the account. He could not give me any specific reason fro the charge but led me to believe it was something I had done. I asked for a higher authority and he said that all I could do was to write to their review department in XXXX. 
Is it possible that I have paid over {$2100.00} in unwarranted charges over these years?
Product: Debt collection

I have an court order eviction I've never knew about coming up on XXXX but it doesn't show on XXXX or XXXX, because I have XXXX XXXX I know exactly what is on there and I've rented many property 's since 2015 and never had a problem getting into a place and that's exactly why I never knew my old landlord was trying to file a property of possession against me .I need to get this disputed right away because I've been on a waiting list for 2 years or longer for an affordable housing apartment and I'm next on the waiting list for a 2 bedroom for me and myself and kids, this is why I found out that this eviction is on my credit report because they use XXXX to run credit and not XXXX or XXXX so this is the only reason why I now know about it .I have until monday to fix this and get it off my credit so I'm not skipped and be put back on the waiting list again .if you can please help me with this issue I would appreciate it very much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX ) ( LOAN # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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

There is an error of a Mortgage account reported on the credit report belonging to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. We have recently filed a lawsuit and this account needs to be removed while litigation is pending and the matter resolved. This debt is not valid. 

I dispute this debt, I dispute all claims of contract 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Debt collection

On the XXXX of XX/XX/XXXX PayPal permanently limited my account for 180 days which I have been serving, expected to elapse on XXXX XX/XX/XXXX and have my funds ready for withdrawal. But on the XXXX of XX/XX/XXXX I logged into my account only to discover that my balance has been cleared by PayPal on the XXXX of XXXX over what the tagged 'Damages on Acceptable User Policy ''. 
I have contacted them through mails and calls and recently chatted their contact support up via XXXX to explain which policy I violated after my account has been dormant for months due to limitations placed on it by them, but the could not give me a positive response from any of the medium. Instead the keep shying away from questions of which policy that was violated. 
This is an unfair treatment being melted at me. 
I have gone back to these so called 'Acceptable User Policy ' severally and can't find which policy I violated because I have being transparent with my dealings with them over the years. 

These brought me here to seek help and justice recover my funds in the amount of {$1700.00}.