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

My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXXXXXX '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXX AV, XXXX, NY XXXX '' * " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX  XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. 
* XXXX XXXX  : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. 
* XXXX  XXXX : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. 
* It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Product: Debt collection

SOUTHERN OREGON CREDIT SENT ME XXXX COLLECTION LETTERS FOR DIFFERENT DEBTS OWED BY MY EX HUSBAND WHOM I WAS DIVORCED FROM BEFORE HE INCRUED THESE DEBTS- I HAVE NOT BEEN ABLE TO SLEEP AND HAVE BEEN SUFFERING XXXX XXXX XXXX XXXX OF THIS- THEY WILL NOT RETURN MY CALLS OR EVEN DISCUSS THIS WITH ME- HE HAS A JOB - YET THEY ARE THREATENING ME WITH GARNISH AND SMALL CLAIMS
Product: Checking or savings account

I was at work and I noticed when I was at the store trying use my digital water for my XXXX. The card declined. 
And I checked my about an I missing like all most XXXX or more and it was from XXXX XXXX someone stolen my card and took my money and I try to dispute it and they declined me with no evidence so I sent them my documents within. I asked for I even reached XXXX to send me some email and they did and they said that nothing was coming from my XXXXXXXX XXXX this is so frustrating and then they holding my deposit money from my job I can even get my money or anything I fees on my rent and cant even pay it I need help
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, I requested the following information from Discover Card : 1. A True Bill for the alleged debt associated with Discover Card Account Number XXXX. 
2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. 
3. What was the the reinvestigation process and who furnished this information?

I clearly stated that, in the event Discover Card failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account.

It has come to my attention that Discover Card has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations.

Furthermore, I would like to emphasize the importance of Discover Card adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws.

In light of the above, I believe that Discover Card may be in violation of federal laws and regulations related to credit card practices, specifically in regard to Discover Card Account Number XXXX with account balance of {$1100.00} XXXX kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, Equifax and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a 1099 reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of  {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by 1099. XXXX XXXX XXXX XXXX abandoned all claims when they charged off the debt and issued the 1099 to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. 

Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX Account Type Credit Card  Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention certain inaccuracies present in my credit file and to request their immediate removal. Upon reviewing my credit report, I have discovered that some personal information belonging to another individual has been mistakenly included in my credit file. As a responsible consumer, it is of utmost importance to me that my credit file reflects accurate information at all times. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and its provisions, I kindly request that you promptly remove the following inaccuracies from my credit file within the next 30 days. I am aware that you are obliged to address such requests within this timeframe, as stipulated under the FCRA : References to XXXX XXXX XXXX XXXXXXXX References to XXXX XXXX XXXX XXXX References to XXXX XXXX XXXX I believe it is crucial to highlight that by reporting these inaccuracies, you are potentially violating 15 USC 1681b ( a ) ( 2 ) of the FCRA, which states that a consumer reporting agency may only furnish a consumer report based on written instructions. The presence of these inaccuracies has had a significant negative impact on me and my family. Therefore, I am submitting this consumer complaint and consumer check for compliance, specifically regarding the items you are reporting under FACTA Title 1 sec. 151. 
I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify these errors.
Product: Credit card

On Thursday XX/XX/year>, I received my Bread XXXX XXXX credit card issued by Comenity Capital Bank XXXX I attempted to register the credit card online as well as, the mobile app but the system said it could not open the account. I received the following error : " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I called and spoke to 4 different customer service representatives from XX/XX/XXXX thru XX/XX/XXXX and got different answers. 

By not being able to register my credit card, I am unable to access my account online.
Product: Debt collection

On XX/XX/XXXX, I was notified by XXXX, the credit reporting agency that a collection account was added to my file. Upon review of the information, National Credit Systems posted a collection account in the amount of {$500.00} via the original creditor, XXXX XXXX XXXX XXXX Further research revealed XXXX  XXXX XXXX XXXX was the insurance bond my husband and I purchased when we rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX from XX/XX/XXXX to XX/XX/XXXX. When we moved out of our apartments on XXXX XXXX, I was informed today XX/XX/XXXX that XXXX XXXX billed XXXX directly for painting, cleaning, and carpet cleaning fees totaling {$300.00}. We provided all our phone numbers, email, and forwarding addresses to XXXX XXXX  when we left. We also have mail forwarding set up. From XX/XX/XXXX until now, we never received any type of correspondence from XXXX  or XXXX XXXX  regarding such cleaning fees. XXXX did not try to reach out to me or my husband to try and collect the debt and decided to send us to collections which ultimately affected our credit we strive to work hard for. Additionally, XXXX is an all digital company for which you will not be able to speak to someone live to discuss the issue as we have tried to contact them via phone or email at XXXX and XXXX. Since we are unable to talk to anyone, we are unable to remove the negative information from our credit report
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of $XXXX that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you cannot provide adequate documentation showing that I have ever done business with Security Credit Services with my signature on it than you must remove this negative tradeline from my credit report at once. Once again you do NOT have permission to contact me by phycial mail, e-mail, nor phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced accounts in XX/XX/XXXX. The Equifax credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Equifax had placed XXXX Management and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Equifax did receive. Equifax removed XXXX XXXX and XXXX XXXX from my Equifax credit report. I have included a copy of my Equifax Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. 

I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that Merchants Credit Guide be removed and blocked from my credit file as well. I expect to have an updated Equifax showing the removal in 30 days per law.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting late payments on my account. I've never paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$260.00}
Product: Mortgage

I was instructed by representatives of Congressman XXXX XXXX to file this complaint due to unnecessary and incompetent handling of insurance money disbursement for the rebuild of our home. I must say that this experience has been far worse than the loss of our home and all belongings! As a borrower who has not missed or been late on a mortgage payment prior to and since the fire, I find it appalling that insurance funds can not be released without jumping through hoops while being treated like a scam artist. Below is a " brief '' summary of what has transpired over the last four months. I am sure you can request all notes associated with my calls to the company that they have. 

My wife and I are retired and lost our home on XX/XX/XXXX to the CARR fire in XXXX California. We were and continue to be insured for the mortgage through XXXX. The loan was held by XXXX but was sold to Mr. Cooper the first week of XX/XX/XXXX. Unfortunately, we were in the process of scheduling an inspection per mortgage company instruction to release insurance funds when the sale occurred. 

This led to a delay of activity while documentation was transferred between financial institutions. On XX/XX/XXXX, the loan information was transferred so I contacted Insurance Claim Check and explained the situation. I was told I needed to wait additional time while the loss department received the data for the account. I continued to follow on the account including speaking to them on a weekly basis trying to get an inspection and insurance funds released to my general contractor. 

During XXXX and XXXX I have spent {$120000.00} of my savings to keep the re-build moving forward due to these issues. That money is now gone and my contractor has not been able to move forward without funding and our target date to move in on XX/XX/XXXX has evaporated The new completion date is estimated at XX/XX/XXXX. 

On XX/XX/XXXX I finally received a check for {$84000.00}. This check was delivered with a letter stating no more insurance funds would be released until the home was completed! How the XXXX are you supposed to rebuild a home when the insurance proceeds are delayed over and over and/or held. Today, XX/XX/XXXX, I have mailed an additional check in the amount of {$97000.00} for deposit in the escrow account held by Mr Cooper and Insurance Claim Check. This will leave an escrow balance of approximately {$200000.00}. 

Who knows when I will receive additional funds at this point. My contractor, Insurance Company, Congressman XXXX and staff are all in agreement with me that they have never seen anything like this and it is totally unacceptable. All we want is the insurance money to complete the rebuild of our loss! 

By the way, the inspector who finally showed up in XXXX reported the house was only 37 % complete which is completely wrong. It is at least 65 % complete. In addition, the County Tax Assessor has valued the property at over {$300000.00} up from {$40000.00} after the fire. So here we sit paying higher taxes on a property we can't complete.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX U.S. CXXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
XXXX U.S. CXXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been negatively impacted significantly by XXXX XXXX erroneous reports. They have reported three times that I was late on my payments, or missed payments with them. This is absolutely false. If anything, we 've made extra payments more than required to avoid any issues. I have never been late once by a day, nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Product: Debt collection

I received a call on XX/XX/19 at XXXX from Nationwide Recovery Services . They attempted to collect personal information such as mailing address, but they never identified themselves as a Debt Collector or that the call was in an attempt to collect a debt. Ms. XXXX the representative on the phone said that she was going to log my refusal, but I was refusing to give any information as I did not know the reason for the call or the company she was representing. I had to get that information through calling back the number received. I am not aware of any outstanding debt. 

By failing to identify themselves as a debt collector and that the call was in relation to a debt and that the call was an attempt to collect a debt, I feel this is a violation of the Fair Debt Collection Act. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and did not get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I SENT A DISPUTE LETTER TO THE TRANSUNION CREDIT REPORTING AGENCY. I ASKED THEM TO UPDATE MY CREDIT REPORT WITH THE CORRECT NAME, ADDRESS, TELEPHONE NUMBER. I DID ENCLOSE COPIES OF MY CURRENT NAME ADDRESS AND TELEPHONE NUMBER AND INCLUDED A COPY OF MY CURRENT DRIVER 'S LICENSE. THEY [ TU ] SENT ME A COPY OF MY CREDIT REPORT { WITHOUT } THE CURRENT AND UPDATED INFORMATION.
Product: Student loan

My name is XXXX XXXX. I am a college graduate of XXXX University XXXX of 2012. At the time of graduation I like many other students was not able to secure a good job. Over the last three years I have moved from being unemployed to underemployed and back again. I graduated with roughly {$100000.00} in student loan debt from various sources. For the federal and private bank loans I have been given forbearance and deferment. However for my loan through the XXXX ( {$39000.00} ) I was not granted the standard grace period of 6 months to 1 year. My loan with XXXX has since gone into default. The loan has now been handed over to the Law office of XXXX XXXX in XXXX, NJ. XXXX states that there is no loan rehabilitation with them and they wo n't help.I have emailed XXXX XXXX XXXX who is in charge of the NJ Class student loans and petitioned her to see if I could make a more reasonable payment. After speaking with the law office and making a good faith effort to start paying off my loan they did not give me a reasonable amount to pay. They were asking for nearly {$800.00} a month for 10 years which I could not possibly afford with bills and other student loans that I will have to pay. I now have a good job and would be able to pay them $ XXXX/month however they were not willing to listen. My sister was a cosigner on the loan and has also fallen on difficult times recently and they are garnishing her check. I am asking for any assistance you could provide me with. I worked very hard to graduate from a great university and financial hardships after graduation impeded me repaying my loan but I am willing to get back on track with a reasonable repayment plan. The law office now is not being responsive to my call or the calls of my sister, I believe that since they are garnishing my sisters check they do not want to speak. Please help in any way that you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters in XXXX  2017, XXXX 2017, XXXX  2017 .... These companies still have fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This must be removed from my credit report. I do not own such account.
Product: Vehicle loan or lease

THIS COMPANY IS FAILING TO PROPERLY ACCOUNT FOR LOAN PAYMENTS THAT ARE APPLIED TO THE PRINCIPAL OF THE LOAN. YOU HAVE TO WAIT FOR AN EXCESIVE AMOUNT OF TIME FOR BRIDGECREST TO APPLY THE AMOUNTS TO THE PRINCIPAL WHICH MAY CAUSE A DELAY IN PROPERLY APPLYING ACTUAL PERIODIC LOAN PAYMENTS TO THE LOAN. WHEN THEY ARE CONTACTED, THEY CONTINUE TO FAIL AT APPLYING THE AMOUNT PROPERLY AND CORRECTING THEIR ERRORS. THIS COMPANY NEEDS TO BE FINED AND PAY PENALTIES FOR THEIR OUTRAGEOUS PRACTICIES.
Product: Credit card or prepaid card

I applied for a credit card from Avant and was approved. I later received a notification that the credit card was activated, and I can now use my card. I immediately called them at XXXX and told them I had not received the card yet, so I did not activate it. I was transferred to the fraud department, and they froze the card and issued a replacement. I spoke to a male a few days ago who said he is an investigatorI explained to him that I did not receive the credit card and had no idea who could have made the charge. I asked him how someone could activate it and use the card without my information. I don't remember if he responded to my question. I was checking the due dates on my cards and noticed a similar charge on the Avant account again. I called customer service and was told the amount was returned to the bill because the investigator deemed that I was responsible for the charge. How can I be held accountable for a charge on the account when I never initially received the card?