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

Equifax was criminally negligent in protecting my personal identifying information, which was exposed during the recently announced security breach affecting 143 million consumers. This has the potential to cause irreparable harm to my credit, along with hundreds of millions of others. There is no way to guarantee that this information will not be used in future cases of identity theft, which will thus require strict life-long credit monitoring for fraudulent activity at my own expense. The damage that can occur if I am the victim of identity theft due to this data breach is enormous, and the consequences devastating.
Product: Checking or savings account

Was sent a check from what I thought was a legit job offer at the time. Deposited the check into my account with instructions to keep {$900.00} for my payment, and to send the rest to " vendor '' who would in turn send me my new " work supplies ''. Once I did that, the 'Employees ' [ /scammers were never to be heard from again. Then a few days later my bank account was almost wiped out due to the fact that the bank took it to cover the overdraft fee since the check I was given bounced. So basically my family and I were out over {$4000.00} and I had just become unemployed a week prior. That's why I think I was so blind to the scam, because I was desperately trying to find a job. Looking back there were some red flags that I totally overlooked. But that's what they say,,, hind sight is 20/20. so if there is anyway you could help me get my {$4000.00} back, that would be amazing.
Product: Debt collection

I AM VICTIM OF AN IDENTITY THEFT, AND WHT TAT MEANS IS SOME ONE STOLE MY INFORMATION AND PRETENDED TO BE AND OBTAINED A LOAN THAT IS NOT MINE. NOT ONLY MY CREDIT WAS STOLEN, ALSO MY EMAIL, OUR MAIL BOX AND BANK ACCOUNTS. NUMEROUS TIMES I HAVE REACHED OUT TO CREDITORS AND WITH PROOF THEY WERE ABLE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. BUT THIS ATTORNEY KEEPS SENDING ME LETTERS AND REQUESTING TO SETTLE SOMETHING THAT IS NOT MINE. I DON'T UNDERSTAND IF THE CREDITOR HAS ALL MY DOCUMENTS OF PROOF THAT THIS ACCOUNT WAS FRAUDULENT WHY IS THIS ATTORNEY ASKING FOR MONEY. 
AT THIS POINT I BELIEVE THIS IS A SCAM AND THE ATTORNEY IS TRYING TO COLLECT MONEY.
Product: Credit card

Care Credit, which is owned by Synchrony bank, issued credit for dental some work performed on my daughter. It was a promotional no interest for 18 months. I have been paying on time with automatic payments and was not properly notified the no interest was coming to an end. No emails or phone calls. Now they have charged me 27 % interest on everything. I called them and offered to pay the remaining balance because the no interest ended only on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 but they refused and still want to charged me the 27 %. This is extremely overboard. What can i do about this?
Product: Consumer Loan

please let me know yopu can help me with my credit report fron credit union XXXX they discrimnate me i thinking my creidt is ok iwant to abuy acar let me know you canhelp me thank
Product: Debt collection

Recently went to check my credit score on XXXX. Upon doing so I discovered a report on my credit report for unpaid tuition, not a student loan, at my local community college. I called the number and requested verification of the debt because I do not believe it is mine. My parents chose to enroll me for my senior year, while I was still a minor. They asked me to give them my address. I stated that I would not, but that I would give them an email. The representative stated that the company did not use email. In response I said that they were required by law to provide me verification of the debt in writing and the email qualified as in writing, on the other hand I am not required to disclose information to them. I was hung up on by the representative. I called back and was told I would receive a call from the supervisor. At this point I have received no call. The company is blatantly refusing to provide verification of the debt. In addition I have received no documentation from them whatsoever. The only reason I know about the debt is because I checked my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA account is reporting a charged off collection account and a late payment status. This is erroneous information, account was never late and never went to collections. The account was awaiting payment from XXXX and XXXX from a total loss. Santander was paid via settlement by me for the remaining balance on XX/XX/XXXX. Santander stated that they would remove account from all 3 credit bureaus file, once settlement was received. On XX/XX/XXXX, I spoke with XXXX, from escalated accounts and he stated it would take up to 30 days for the removal and credit files to be updated. He also informed that a letter of settlement would be sent stating account was paid and removed. As of XX/XX/XXXX, no letter. However, I did receive a 1099-C (  cancellation of debt ) for tax purposes. Once settled and receipt of cancellation of debt account should have been removed. Santander has refused to remove status of late payment and sent to collections. Again neither of those 2 referenced things applied to my account. I have reached out on several occasions, with no relief. Santander has been unrelenting through this whole ordeal. They have been nasty and rude. No one should experience the agony they have put me through. They are predators. This company needs to be put out of business for their unfair and unjust practices!
Product: Debt collection

I have tried to contact this company, and agency over XXXX times on disputes with credit karma and as well as their firm, and I also threatened legal action. If it was not taken off my credit report which was reported incorrectly and I have gotten nothing back besides every time I dispute it, they put the information is disclosed as accurate, I also filed a complaint and report on identity theft.gov and I received nothing back and they just keep dragging my credit score down and its negatively impacting my life and ability to owner and possess belongings or Homes. The debt collector is LVNV FUNDING LLC, for XXXX $ apparently which I was a victim of identity theft and one of my friends stole my information and used it against me and I still have not found out who but I have been dealing with this for over 2 years now and its time its removed from my credit report and the derogatory marks removed or I will then go and sue this company.
Product: Credit card or prepaid card

On XX/XX/XXXX I was fraudulently charged for {$140.00} from the company XXXX. That same evening I received a XXXX code on my phone in the middle of the night which I thought was strange but I didn't think about it again until I saw this charge. Once I noticed the charge on my account ( XX/XX/XXXX ), I contacted my credit card company and they removed the charge and started the investigation. They let me know that the purchase was for XXXX baby carriers and I let them know that I have XXXX XXXX XXXX twins and that I have no need to purchase 2 baby carriers. I also told them about receiving the strange XXXX code in the middle of the night. 

I received a notice on XX/XX/XXXX that they completed their investigation and I was held liable for the charges. I was surprised as the fraud investigator NEVER contacted me as part of this " investigation '' process. I appealed it and was sent another letter on XX/XX/XXXX stating that I was still found liable. I asked on what grounds and they told me I could request a copy of the " investigation '' paperwork. I requested it and it clearly showed someone used an email similar to mine but they changed the last letter to a number ( an " n '' to the number 5 ). I called back and reported this as it was clear to me that someone did a good job of making it look like I made this purchase that I absolutely did not make. The purchase was also made from XXXX, WA and I was in XXXX, OR on the date the purchase was made. 

It was not difficult for me to see that this investigation should have concluded in my favor so I called and appealed again and told them the above information. Just today I received a third notice that they were not removing the charge from my account. I am done dealing with them directly and am requesting assistance in resolving this issue.
Product: Checking or savings account

On XX/XX/XXXX I was trying to purchase something and my card was blocked so I called the bank. And I found out my account has been closed. No warning or anything I then proceeded to go inside the branch to collect my money. I walked inside to speak to one of the tellers she discriminated against me and wouldnt give me my money. I never had a negative balance I always kept direct deposits coming through. They never gave me any warning or advance notice and wont give me a reason. This bank is capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet containing multiple identification items in XX/XX/XXXX, and ever since I have seen numerous credit inquires show on all three major credit bureaus ( Trans Union, XXXX, and XXXX ), which were not initiated by myself or with my authorization. This has had a negative effect on my credit and even my ability to obtain employment. I demand all unauthorized inquires to be removed immediately. 

Trans Union : Inquiry details XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX : Inquiry details 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, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX OF XXXX XXXX # XXXX XXXX, XXXX FIXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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, 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
Product: Debt collection

This is in regard to account number - XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX. 

On XX/XX/2015, I was transported to the emergency room by XXXX XXXX XXXX. I provided my insurance information during transport. XXXX XXXX XXXX did not properly bill my insurance carrier for my transport. 

I called my insurance carrier ( XXXX  ) to confirm my claim status with XXXX XXXX XXXX and was advised that no claim was filed on my behalf. I then contacted the XXXX XXXX XXXX directly and spoke to a representative to advise that a claim was submitted inaccurately or not at all, which caused a billing error/issue. I informed the representative with XXXX XXXX XXXX, after speaking with my insurance carrier ( XXXX  ), to re-submit the medical claim, at which point the representative refused to resubmit claim stating that the timely filing period has expired, and I am now the responsible party of the alleged XXXX Emergency bill. I believe XXXX XXXX XXXX balance billed me, which is illegal in the state of GA and then sold the account to Creditors Bureau Associates ( Collection Agency ).

Creditors Bureau Association failed to provide me a notice of debt, prior to inserting this alleged account onto my credit report. I was not provided the opportunity to request validation of this alleged debt. I have disputed this alleged account on several different occasions with all major credit reporting agencies, as well as the collection agency, and all parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

I never had natural gas service in my name and I am victim of identity fraud .I filed police report and XXXX XXXX XXXXXXXX stating that I still owe the balance of {$730.00}.
Product: Debt collection

Credit Acceptance Corp has different balances owed for an auto loan on my credit report. I informed them that the information and address they have on file is incorrect. However, after I disputed the account Credit Acceptance Corp marked the account as current status on my XXXX credit report with a different balance than my XXXX credit report but sent new documents to my new address without verifying me and is harassing me and attempting to collect an auto debt.
Product: Mortgage

Our property was stolen in illegal forclosure action by OCWEN IN 2012. 
WE WERE NOT NOR WERE WE EVER IN ARREARS AND HAVE BANKING DOCUMENTSTO PROVE IT!!. 

OCWEN became our servicer after the original bank XXXX XXXX XXXX was raided by FBI for fraud.The CEO WAS creating fake accounts using our and other clients mortgage payments to secure TARP money being doled out by Obama Admin ... There has been a recent consent judgement against OCWEN since this occurred we have been before PA superior Court BEFORE THE CONSENT JUDGEMENT the court did jot perform due diligence on our behalf ... a gross miscarriage if justice nor did they follow rule of law relating to standing and OCWEN NOT HOLDER OF OUR NOTE ... we have a case that we plan to move for ward on against several including PA AG OFFICE ... GOT INCLUDING CFPB ... YOU WERE COMPLICIT IN THAT YOU DENIED OUR REQUEST FOR HELP AGAINST OCWEN THAT WE MADE IN XXXX SEPARATE COMPLAINTS ... .YOUR REPLY TO US WAS THAT.OCWEN DENIED ALL SAID VIOLATIONS ... YOU THE CFPB TOOK THEIR WORD AGAINST THE TRUTH AND OUR PROOF. 
Several firms have stepped forward to take our case filing some XXXXplus charges XXXX of the charges will be levied against CFPB ... the response letters from CFPB are stunning in context ... ..our lives were violated by banking fraud and a subsequent crime by OCWEN a company that you investigated for clear violations of banking law. The following fields will be marked regarding loan ... because your site does not offer SPECIFIC ENOUGH reasons bother than surface loan info to catagorize this complaint..I want this to be acknowledged in effort to avoid more excuse from CFPB for not performing their job as taxpayer entity.
Product: Checking or savings account

Have banked with SunTrust for yearswhen they merged with BB & T to become Truist we had a few issues here and there but chalked it up to glitches. Have always deposited checks online and never once had an issue or hold no matter amount of checkdeposited one on XXXX of XXXX and they put a hold on until XX/XX/XXXX!!!!! I have deposited several checks from same company for even higher amounts and never once had an issue. This is ridiculous and puts ppl in binds not releasing funds for weeks. We are looking at going elsewhere now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX of XXXX XXXX XXXX XXXX  XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose Veteran, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about Sexual Orientation. I believe this is a violation of Title 7 and upheld supreme court decision on 15 U.S.C. 1691. 

I am openly XXXX and an owner of this loan that was originated. 

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

In accordance with the Fair Credit Reporting Act the following have violated my rights : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

1. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

2. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

3. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

3. XXXX XXXX XXXX XXXX - XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

4. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b.
Product: Payday loan, title loan, or personal loan

I applied for a loan at UPSTART company, then they asked me to provide the college degree. I provided my college certificate which was issued by original country XXXX, but the UPSTART said the XXXX XXXX XXXX education degree disqualified me from the loan. I felt I was doing something wrong providing my original national country which made feel a bitter type a very discriminatory treatment due to my national origin. I am planning to sue to this agency for their unclear and unjust treatment for while trying to get the simple loan. I am naturalized US citizen and admitted into XXXX and am still working to get my college degree from my XXXX  college in town. Please, advise what I need to do as I am clueless on how to deal or sue this company for their discriminatory treatment for me
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT MINE AND I DID NOT OPEN. THEY HAVE STILL NOT FURNISHED ME WITH PROOF OF IT BELONGING TO ME AND IT WAS THE SAME MONTH 2 OTHER CARDS WERE OPENED. I WAS A VICTUM OF FRAIID AND HAVE HAD AN EXTENDED FRAUD ALERT ON MY FILE FOR YEARS AND THEY WOULD HAVE HAD TO GET WRITTEN APPROVAL FROM ME TO EVEN OPEN AND THEYARE NOT RESPONSIVE AND WONT DELETE IT WHEN IT IS NOT MINE. 


Account NameXXXX  XXXX XXXX  XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$11000.00} written off.

Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$5000.00} Highest Balance {$11000.00} TermsNA
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports