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

Background : Since XXXX, you have been fighting to resolve issues with XXXX after experiencing identity fraud during the XXXX pandemic. This has been an ongoing struggle for nearly XXXX years. 


Documentation : You have proactively sent documentation to XXXX supporting your claims of identity fraud. This includes evidence of fraudulent activities that are linked to your credit report. 


Lack of Investigation : Despite your efforts and the submission of relevant documents, XXXX has failed to investigate your allegations adequately. This lack of action has contributed to ongoing issues with your credit report. 

Disputed Items : You are specifically looking to have certain items reinstated or removed from your credit report, arguing that they are fraudulent and not tied to your identity. The persistence of these items has negatively impacted your credit score and financial opportunities. 


Resolution Seeking : You have been actively trying to resolve these disputes with XXXX and seek reinstatement of your true creditworthiness, emphasizing the need for a fair evaluation of your claims. 


This ongoing battle underscores your frustrations and the need for XXXX to take accountability in investigating and rectifying the issues related to your identity fraud claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$790.00} XXXXBalance : {$630.00} XXXXXXXX XXXX XXXX XXXXBalance : {$630.00} XXXX XXXX XXXXBalance : {$780.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied for a XXXX XXXX Platinum secured credit card issued by Synovus Bank and, upon approval, transferred {$1000.00} from my checking account. The credit card account was opened on XX/XX/XXXX but I did not receive my card until XX/XX/XXXX. During that period I called the card issuer 's customer service upwards of 20 times only to be told over and over that the card is in the mail. Once the card arrived and my first purchase attempt was declined, I contacted the issuer and was told by three different customer service representatives that I had to pay the {$49.00} annual fee before being able to use the card. Despite the fact that the issuer has been in possession of my money, interest free, for over two months and that, by their own admission, I had no possession of and therefore no ability to use the card during this period, my account was blocked citing past due payment. The manager whom I spoke to, XXXX XXXX XXXX, refused to give me any options other than closing my account and receiving a refund within 10 weeks (! ), and shortly thereafter hung up the phone. I find this to be a gross violation of good faith and fair dealing standards at best, and fraud and extortion at worst. I am turning to CFPB for protection of my rights as well as those of other consumers who fall prey to these deceptive practices.
Product: Debt collection

I have been continuing to dispute/correct a debt collection in my name with XXXX wireless which has destroyed my credit. I have an active, current account with XXXX that is paid in full. I have filed a dispute with Experian, which says the debit is " legitimate '' but no one can provide me with the documentation as to why it is legitimate. XXXX can't tell me why because all they see is my current account that is paid in full, the collection agency refers me to XXXX, and experian says they don't have the documents. I need help to get this resolved. I do NOT owe XXXX any money, I have an account with them that's correct!
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER EQUIFAX, XXXX NOR XXXX HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX i feel discriminated. here i explain in age and nation origin also my XXXX condition. I 'm am a young man that never applied for credit card and soon i will be going to school it is not right that i been denied by a bank name chase. when i was in high school all my friends had chase and i feel chase i like to have credit card but i applied three times i been denied by the credit card application i really feel discriminated is not right that every one else get one and i do n't. the chase bank do n't let me have credit card is not right also is not fair that every one get credit card with chase and i do n't. I 'm a young man is not right a bank of chase i always wanted to have credit card with will not accept me i feel is not equal for me feel left behind. i just writing how i feel against the bank of chase really wrongful the bank denied my application. I 'm a young man trying to start with school trying to get a good credit with chase and now been three times is not right for me also how i feel. really feel discriminated starting a future really seriously not correct what how I 'm feeling. located XXXX XXXX XXXX XXXX, XXXX, FL XXXX Chase Bank ( XXXX ) XXXX or XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have disputed a collections on my XXXX  report multiple times and it keeps coming back verified in less than 24 hours, I asked for proof of how they were able to verify something that doesnt belong to me and have yet to hear a response from them. The collection is from Jefferson capital
Product: Checking or savings account

PNC has been killing me with fees and i would like to know why. we have been through this already. 
Ive tried to talk to them they dont want to discuss, very nasty. Customer service was bad. Never went through that. 
They said that I was entitled to a certain amount of refunds on fees every year. 
PNC told me that. 
They have taken in the past two months maybe more, but for two months fees on overdraft and I do not have overdraft protection feature on my account. If its there it should not be because i didnt agree to it. 
The amount they need to refund me is : last month XXXX and this month XXXX. 
If theres no money in there dont put it through
Product: Credit reporting or other personal consumer reports

I did a dispute on this fraud account XXXX XXXX with Equifax and the other 2 bureaus. Equifax came back and said this fraud XXXX XXXX account was verified stating it is a CHARGE OFF that is reporting every month a late missed payment since XXXX and XXXX. They stated that this account last reported on there Equifax system on XX/XX/XXXX and it reported it as a late missed payment they have not received any report since then and they stated that they received Data from XXXX that this was a fraud account so they reopened up a XXXX Dispute investigation on XX/XX/XXXXXXXX  after they closed a dispute and inaccurately verified by Equifax and XXXX XXXX which is a FCRA violation that a charged off account can not be open reporting late payments every month. Again Equifax has stated that this account was never closed it is open and has been reporting negative missed payments every month since XX/XX/XXXX, XXXX This below is an Equifax Dispute Department Supervisor that informed me today XX/XX/XXXX. His name is XXXX employee ID # XXXX he is in the Dispute Department. He stated that this account does not showed closed on there system. Every month all of XXXX and XXXX this Fraudulent open XXXX XXXX account has reported late missed payments every month last report was XX/XX/XXXX when they reported a late missed payment it shows charged off but it is open still not closed reporting late payments every month..On my Equifax. Com a subscription I pay for monthly shows this fraudulent open XXXX XXXX  account as CLOSED this account has dropped me XXXX points on XX/XX/XXXX due to this new dispute open that Equifax received from XXXX. This account is a part of the closed installment account statuses on My. Equifax. Com and they are telling me that it is not CLOSED and there is no date of closing it is OPEN and has been reporting once again a late missed payments on my EQUIFAX credit report every month since XX/XX/XXXXXXXX  when this account was charged off. Something needs to be DONE NOW this fraudulent account needs to be DELETED ASAP due to the FCRA violation that it has been charged off and reported inaccurate late missed payments every month since XXXX XXXX..We are going to be in US CONSUMER LITIGATION court in the near future due to this fraudulent XXXX XXXX  open auto loan account that was charged off XX/XX/XXXX. They have harassed me and threatened me as of today.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found item ( s ) to be in error. In compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed.

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}
Product: Debt collection

I received an complaint regarding a disputed debt on my credit report. After the account was unable to be verified it was removed from my credit report. The company XXXX XXXX then filed a complaint suing me for this account. I received a copied contract with an electrotonic signature as verification from their lawyer firm Relin , Goldstein & Crane LLP. This very same contract was sent to my father claiming him to owe the same debt with the same electronic signature. I advised the lawyer firm of this inaccuracy to then receive papers in the mail for a judgement.
Product: Credit reporting or other personal consumer reports

My credit report contains multiple violations of the Fair Credit Reporting Act ( FCRA ), which is a federal law regulating the collection, dissemination, and use of consumer credit information. The FCRA mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure the information in their credit reports is 100 % accurate. When CRAs fail to do this, and a consumer suffers damages, the consumer is entitled to bring a private lawsuit against the CRA to recover actual damages, statutory damages, and attorney 's fees. 

I have documented all the dispute letters Ive sent to your company since XX/XX/year>, and can provide evidence of your negligence and the resulting statutory damages in court. The accounts listed in my letter are inaccurate, and I demand their immediate removal from my credit report : XXXX XXXX XXXX XXXX
Product: Debt collection

In response to a debt validation request I submitted to LVNV Funding LLC, c/o Resurgent Capital Services , the company provided documents that do not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). The documents included a statement indicating that a last payment was made on XX/XX/year>, with a charge-off date of XX/XX/year>. However, an account summary they provided shows a different last payment date of XX/XX/year>, without any corresponding statement to support this claim. This discrepancy raises significant concerns about the accuracy and legitimacy of the debt information. 

Furthermore, the documentation provided did not include the original signed promissory note or any other documentation directly from the original creditor, XXXX XXXX, proving that I agreed to the terms of this debt. Despite my request for proper validation, LVNV Funding LLC and Resurgent Capital Services have failed to provide sufficient evidence to substantiate the debt. 

In addition to these discrepancies, the original creditor, XXXX XXXX XXXX, has an arbitration agreement that requires any legal disputes to be resolved through arbitration rather than court proceedings. This agreement includes specific terms, such as a 60-day notice requirement before initiating arbitration, waivers of class action and jury trial rights, and a requirement that disputes be resolved individually and through final and binding arbitration. 

Given the failure to provide proper validation and the inconsistencies in the documentation, I have formally requested that Resurgent Capital and LVNV Funding LLC cease all collection activities and remove the account from my credit report. However, the company has not yet complied with this request. 

As a result, I am filing this complaint to seek assistance in ensuring that LVNV Funding LLC and Resurgent Capital Services cease any further collection activities related to this disputed and unvalidated debt and that the inaccurate information is promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report continues to be incorrect. My mortgage was sold from XXXX XXXX XXXX XXXX XXXX I have attached the documentation to PROVE THIS LOAN WAS SOLD. The XXXX account should show a XXXX balance and closed. I have disputed this account for over a year now. All the other credit bureaus are correct. XXXX continues to state the account is correct because they are getting the correct account confused. Please review the loan transfer notice. I am getting declined for loans due to my DTI being incorrect. I AM BEGGING YOU TO CORRECT THIS I AM LOSING JOBS OVER THIS
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

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

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started a monitoring service and noticed account that do not belong to me.I never had such an account and I have never given anyone to open such an account on my behave.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX from 2016. 
however the record only reflects XXXX.
Product: Checking or savings account

Keybank closed my checking account while i was active due to overdraft fee. the company didn't gave me chance to pay my fees to continue to use my checking 's account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information that you are reporting inaccurately on my credit file. I am a victim of identity theft, I have been affected by the recent credit breach with my identity leaked and someone using my identity other than myself. I am unaware of the inquiries and I did not make any attempts to inquire about no new accounts. I am requesting that the items be removed immediately to correct my credit report. I didnt not receive any consent and no creditor, Credit Bureau contacted me. This is my affidavit and I am disputing these items listed below. I 'd like to request a victim 's statement asking that creditors call me before opening any new accounts. 
Enclosed are copies of my credit report supporting my position. Please investigate this matter within XXXX of receiving this letter and remove the inaccurate illegally placed on my credit file. If this matter isnt resolved I will be forced to take legal actions in a civil courthouse against your company and be forced to pay a fine and damage fee of {$1000.00}. 
Inquiries Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX have consistently ignored that you are reporting inaccurate items on my credit report. You have reported inaccurate items for quite a while now and Im taking legal actions by filing a law suit at XXXX XXXX XXXX XXXX for reporting inaccurate inquiries. I am a victim of identity theft and was affected by the recent credit breach. Its a shame that your company placed inaccurate errors on my credit file and you wont remove it. This is illegal and you will face consequences in court. I have contacted you by certified mail, fax, but you refuse to remove the inaccurate errors off my credit file.
Product: Mortgage

My family suffered a loss in income due to XXXX and had to take mortgage forbearance on this loan. We worked with Evergreen Home Loans on a trial program for a loan modification beginning XX/XX/XXXX. We've made all our payments on time every months since the agreement. We completed the trial period and were supposed to receive loan modification documents to sign around XXXX or XX/XX/XXXX. I called Evergreen Home Loans XXXX XXXX asking for my closing documents and they never sent them. 

I talked to XXXX XXXX, in Loss Mitigation, a few weeks ago when I asked her to send me the loan documents. She told me that the offer had expired and sent me new documents with a higher interest rate and monthly payment than what I have been paying. 

I am still financially impacted by the XXXX XXXX and can not afford the higher payment that Evergreen Home Loans is forcing me to pay.