23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Discover Student Loans claims they have become the servicer of a loan in my name. I have not been receiving bills regarding this loan previously so I was suspicious and called them in XX/XX/XXXX and again in XX/XX/XXXX asking for them to send me a copy of a master promissory note to verify that the debt is legitimate. They told me both times I would receive it within 7-10 business days but I have not received it either time. They are now reporting this account to credit agencies.
Product: Debt collection

I have reached out to the debt collector and stated I have no acknowledge of this debt they are trying to collect or any known contract that entitles them to collect and are still reporting to the credit bureaus which is damaging my credit. 
I asked for proof and have not yet provide me with any over the past three months. 
I keep getting a statement but no validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER/XXXX took my information from another company, my social security number, name, and address without my consent and without me signing an original contract with SANTANDER CONSUMERXXXX that is violation of 18 U.S. CODE CHAPTER 63 1344 Bank Fraud, 18 U.S. CODE CHAPTER 63 1342. 18 U.S. CODE CHAPTER 63 1346. 
I've send in multiple disputes to XXXX, XXXX, and XXXX. the only one that hasn't removed this item is XXXX. 
I've never signed anything with SANTANDER CONSUMER/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.XXXX, XXXX XXXX {$500.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXXXXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX   XXXX {$250.00}
Product: Credit reporting or other personal consumer reports

I noticed the problem in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.
Product: Prepaid card

I received an American Express e-gift card in XX/XX/2023 and activated it almost immediately. I tried numerous times to use it at many online merchants with varying purchase amounts, but it continuously gets declined. I called the customer service number listed on the original email, but there is no option to speak with a human and the automated system only tells me to do what I've already done over and over again. No practical option for a resolution. I've done endless research online to find a solution, but get much of the same useless information. I've been doing everything right for 7 months now and yet I'm still sitting on a gift card that reflects the initial {$100.00} balance. I just want this stupid card to work so I can use up the balance, move on and warn everyone I know NOT to buy one of these unusable pieces of XXXX!
Product: Debt collection

conserve I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attached a my identytheft report Thanks for giving this letter your prompt attention..
Product: Mortgage

I applied for a Home Affordable Modification with Wells Fargo on XXXX/XXXX/XXXX because I could not make the payments required and am three months behind. The response came back that I was approved for the modification and had to make three trial payments of {$3100.00} starting XXXX XXXX, XXXX - this is my current payment which I ca n't afford. The reasoning which I believe got me into this mess when we purchased in XXXX XXXX, is that our monthly household income is {$16000.00} - I WISH IT WAS! My husband and I do have a business which is a partnership and per our Home Preservation Specialists XXXX XXXX, our income is based on the Gross Income of the business and not what the XXXX show or the amount of {$5300.00} we submitted on the Income/expenses for household form we submitted with the loan modification paperwork. They are n't even taking in consideration the expenses of the business or the information provided to them on IRS Form XXXX or the income statements of the business we provided. In the year-to-date income statement we provided for the business our net income for the period ending in XXXX XXXX was {$14000.00} which has to pay for XXXX judgements against the company and past due bills dating back to XXXX that includes payments to the IRS. 
I do n't understand how they can come up with this conclusion when at the end of XXXX, I submitted paper work for a loan modification because we were 6 months behind and fighting foreclosure and they approved our loan modification. Our monthly payments were {$3100.00} prior to the modification and the approved mortgage modification lowered our payment to {$1900.00} which was more manageable for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted TransUnion on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as TransUnion investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.
Product: Credit reporting or other personal consumer reports

Someone has access to my personal information and has tried to open several loans in my name! Majority of the inquiries are shown to have taken place of XXXX. There are also hard inquires that I do not recognize prior to XX/XX/year>. I have listed all inquiries on my identity theft report. I have not applied for any type of loan nor tried to purchase any vehicle anywhere nor do I need another vehicle at the moment. I am needing the inquiries removed as they do not belong to me and have affected my credit score tremendously. I have filed an identity theft report as advised to do so and I will be adding a security freeze and fraud alert to my credit file.
Product: Credit card

XXXX XXXX, XXXX XX/XX/XXXX. 
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am buying a property via assuming FHA loan from a seller for which Mr Cooper Hold the mortgage. I started the process on XX/XX/XXXX with Mr Cooper with closing date of XX/XX/XXXX. I have yet to be contacted by mortgage officer to process my loan and my loan has been pending credit approval stage. I have excellent credit and no negative remarks on my background. I live in an apartment and was supposed to vacate my apartment on XX/XX/XXXX in a week. My closing date for this property already moved to XX/XX/XXXX. We did not meet deadline for XX/XX/XXXX. Today is XX/XX/XXXX. I have been contacting this company diligently every few days we are called and emails however I have not received any response. No mortgage officer reached out to me Nobody responds to my complaint email that I sent out to XXXX XXXXXXXX. im about to have to move to a hotel or XXXX on XX/XX/XXXX as I highly doubt I will be able to close on this property by the deadline. I need some type of update from the company on what is going on and why is it taking so long. This is very discouraging experience, an incoming new customer to company. I understand that assuming process take longer than traditional mortgages however, 60 days without appropriate or improper contact information where nobody answers your questions and what Im being told that Im just going to have to wait for the mortgage officer to call me and it can take anywhere from 4 to 6 months is really stressful. What am I supposed to do live in an XXXX for unexpected amount of time.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and noticed that I have 5 inquiries on reports that I have no knowledge of I have tried to dispute items and your company doest no tale a fraudulent case serious here is the list please see attached XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Items have been removed by other vendors. Transunion has been notified via certified mail ( see receipts ) and refuse action. Any assistants with this issue id greatly appreciated. 
Thanks XXXX XXXX XXXX
Product: Credit card or prepaid card

Per the correspondence of Barclays, they have admitted they closed down the website not allowing me to make payments. 

This is what they quoted " On XX/XX/2022, you spoke with one of our representatives who restored access to your customer website, and the access is still available as of the date of this letter. '' In addition here is another quote from the same letter " We have verified that the tradeline is reporting as in dispute with the consumer credit reporting agencies since XX/XX/2022. Your account was reported delinquent as minimum payments due between XX/XX/2022, through XX/XX/2022, were not made or satisfied as per the terms of your Cardmember Agreement. " If they didn't allow access in which I tried since the inception and the cancellation of the card how would I have been able to pay. I couldn't even get through to the institution. 

If you look at the credit agencies yes I am delinquent for all those dates and yes they admit shutting down their website. Therefore as you can see from the credit agencies those are the dates in which I was delinquent. Exactly every one of those months. 

How much clearer can it be that they have caused harm to my credit, shut down my account and also caused tremendous suffering to me and my family. 

I had to reach the CEO at Barclays in XXXX to get the person that is corresponding his attention. He continued to ignore what I had to say. You can flat out see in their letter that they didn't allow me to make payments. 

I don't know what FTC can do to rectify their harm and what they need to do as a penalty for hurting me.
Product: Debt collection

ACCOUNT WAS PAID IN FULL TO ORIGINAL CREDITOR. 3RD PART COLLECTION AGENCY SOUTHWEST CREDIT SYSTEMS PLACED NEGATIVE REPORTING THAT A BALANCE IS STILL OWED WHICH APPEAR TO BE INTEREST OR PENALTY. I HAVE WRITTEN THEM & CONTACTED THEM MORE THAN TWICE WITH NO RESOLVE.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint for the following dates ( XX/XX/2019 and XX/XX/2019. I'm requesting for Equifax to investigate this account and update these payments to paid on time. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$270.00}
Product: Debt collection

Sentry Credit has been contacting me about a {$140.00} debt I had already resolved years ago with a rental property company, formerly XXXX XXXX in XXXX XXXX, TX. 

Page XXXX of the attached document ( XXXX XXXX, XXXX XXXX XXXX ) provided by Sentry Credit was updated ( on XX/XX/year> ) and showcases a balance of XXXX. 

Page XXXX ( XXXX XXXX XXXX ) is outdated ( XX/XX/year> ) and reflects a prior misunderstanding between the property and myself. Sentry Credit , Inc. is a scam!
Product: Payday loan

they called this an installment loan, but it truly is a payday loan. 
It started with my back wallet, and they said they had to transfer my account to my quick wallet and the mess seems to never end. I was a bit despirate when I took out the loan but did n't realize the XXXX I would end up in. the loan was XXXX. So far since XXXX I have paid XXXX and they have only taken {$30.00} towards principle. I sent them a notice that they are no longer authorized to take monies from my checking account, but I will be closing my checking account this weekend. They said they will settle for an additional XXXX in three payments, and I said no. I feel like I am trapped but they already have gotten 272.5 % of what I borrowed back since XXXX/XXXX/16. I felt I had no choice but to persue a complaint to stop this. I just do n't know who can help and they refuse to give me an address to send a certified letter. Also this was done on line and I have no access to the paperwork either, I asked them to mail a copy to me and they refuse.
Product: Debt collection

In XX/XX/XXXX I ordered new XXXX   and opted for having them financed. On XX/XX/XXXX I was XXXX  for a month and a half and unable to handle my personal affairs. 

When I finally received the bill it was a few days past the due date so I sent a payment for the total of the bill of {$2900.00} on XX/XX/XXXX. 

In XXXX I got a late charge bill for {$60.00} and remitted it to Comenity XXXX XXXX XXXX 

I transferred {$60.00} through my online banking on XXXX and on XX/XX/XXXX my {$60.00} was reversed and returned to me. 

I am tired of receiving phone calls SEVERAL TIMES A DAY and most are from a different number for the same company. 

As a side note..I did not receive my dentures  until XX/XX/XXXX. 

I am getting between 3 and 5 calls per day and if I answer I only get a recording. I have called several times but nothing has been resolved except the last call I was told if I sent {$50.00} now they would stop the calls. I replied that they would just return the payment so I was not going to send it.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 in those account 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Someone accessed my credit info because of a data breach and opened accounts in my name. Now Im having a hard time getting those accounts removed.
Product: Debt collection

CAINE & WEINER violated my right on XX/XX/2022 I recently got a message on my XXXX XXXX and XXXX credit report that I had a collection account CAINE & WEINER. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the Aformentioned Company is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State . CAINE & WEINER Opened XXXX XXXXXXXX XXXX  Account number unknown Balance {$490.00} on XX/XX/2022 Original balance {$490.00} CAINE & WEINER Company is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State they are not licensed to collect or authorized or have jurisdiction to collect debt in the State of NEW York Also I have no knowledge of the original creditor progressive and have never received correct correspondence afforded me protection under the law
Product: Checking or savings account

Robinhood has removed over {$18000.00} from my spending account with no explanation of where the funds went, or when or how to access them. Robinhood also transferred {$100.00} and change from my brokerage account to a linked checking account without permission or explanation.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collector never replied to me, took me to court, and received a judgment against me for payment. I was never allowed to explain to the collector or the judge, that I recently had a XXXX.
Product: Debt collection

Debt of {$270.00} reported by XXXX XXXX XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

Debt of {$270.00} reported by XXXX XXXX, XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

When collection agencies sell, transfer or no longer manage accounts they must update or delete the account. Two collections reports of {$270.00} which totals to {$550.00} is inaccurate and must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$2200.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status XXXX  Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX