23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

An individual fraudulently opened a Capital One XXXX credit card ( XXXX ) under my identity utilizing a non-associated address. The fraudulent balance has now accumulated to {$33000.00} with charge off status, resulting in a credit score decrease of over 200 points and a complete destruction of my previously perfect credit history. Despite my attempts to file an identity theft report with the credit card company, I was denied. Following multiple unsuccessful phone calls with Capital One, I sent them two USPS Certified Mail letters, imploring them to alleviate the financial burden imposed upon me by the identity theft and the incompetence of Capital One 's security system. However, they have once again ignored my request for justice. It is absurd that they would issue a credit card under my name to a fraudster with a random address and still attempt to coerce me into paying for the fraudulent charges. 

Feeling frustrated, I took action to protect myself from further harm. I activated a fraud alert on my credit files, filed an identity theft report on the Federal Trade Commission website, and also filed a police report with the local police department. This is my first time dealing with identity theft and I never thought that removing fraudulent accounts would be such a difficult process for the victim. It's important that we address this serious issue, as many people 's lives are being destroyed by a system that doesn't seem to be working in their favor.
Product: Debt collection

Jefferson Capital Systems has bought a debt, that is not only over 7 years old. But I am a XXXX wireless customer NOW! And that debt has been taken care of. I keep telling them to remove themselves from my credit report and the credit agencies but they wont remove the debt. The account opening date that they bought the debt is correct but the day the account was opened is incorrect
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also XXXX XXXX XXXX states that A consumer XXXX exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XXXX the Privacy Act of XXXX, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by XXXX agencies. 
XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
XXXX Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. 
XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to XXXX, Equifax and XXXX  as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX/XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX  XXXX  XXXX-XXXX-UNVERIFIED ACCONT XXXX-XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX
Product: Student loan

Approximately XX/XX/XXXX my son attended XXXX XXXX College. One of his loans which was a private loan through XXXX XXXX was in my name. Payments were automatically withdrawn from my account on a monthly basis. In XX/XX/XXXXI went online to check the balance of the loan and could n't sign on so I called XXXX XXXX and it was at that time I found out that my loan had been taken over by a company called Navient. I called and spoke to several representatives trying to get information about my loan but no one was able to help me. I asked to speak to a manager and was told that there was no manager, this was on XX/XX/XXXX I made five calls to Navient with negative results. I stopped the automatic payments thinking that if they did n't get my monthly payment that maybe they would call me, but I have n't heard from them and they have n't asked for any payments. I find that really strange however they ( Naivent )  were automatically deducting my money on a regular monthly basis and when I started asking about my balance they could n't or refused to give me information. I would like to know if Navient owes me any back pay or if I still owe on this student loan. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

someone other than myself applied several times for a credit card XX/XX/2021 through capital one. 
the XXXX and XXXX have removed the hard inquires but XXXX XXXX has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid Accounts are still appearing on the Credit Reports which should be removed or deleted. By showing on the Credit Reports it is reducing my credit score. 

XXXX XXXX XXXX  - Open XX/XX/XXXX for {$200.00} Paid XX/XX/XXXX XXXX XXXX XXXX   - Open XX/XX/XXXX for {$170.00} Paid XX/XX/XXXX XXXX XXXX XXXX  - Open XX/XX/XXXX for {$95.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good day, please read this complaint seriously. It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Product: Debt collection

This company continues to send notices of debt when I have disputed the validitity of the debt via the validation of debt letter upon first notice. The company has previously stated they will no longer contact me but they sent two dunning notices to my mailing address dated XX/XX/2023 after they had a cease and desist letter on file they posted in a response to you prior. ( See attached letters ) This company also put a collection account on my personal credit history after in fact they knew it was in dispute and they collection account does not state DISPUTE- which is a violation of the FDCPA. 

I called their office XXXX  XX/XX/XXXX and spoke to a rep who said she was in management and she tried to tell me to pay for the debt after repeatedely telling her I want to speak to someone who can stop the billing notices after all this was in a cease and desist mode. 

They are clearly violating the law and I intend on filing harassment and illegal collection tactics against them.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXXXXXX Balance XXXX {$0.00}
Product: Credit card

Discover bank closed my credit account when i called asking about an email they sent to me on XX/XX/year>, They stated that they sent me a email on XX/XX/XXXX to re verify my account but I explained to them I did not receive the email and asked if there was a way to resend it to me. They told me they could and the call failed before they sent me the email they were supposed to do re verify. I called back and they then said they cant help me anymore because they closed my account, but I am confused because when I called the first time they still said it could be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting the removal of fraudulent accounts from my credit report. I am not aware of these accounts and they do not belong to me. As per USC 1681g, I request that these accounts be deleted within 15 days. Please refer to the attached documents for evidence supporting my claim.
Product: Credit card

On XX/XX/year>, I established an XXXX - XXXX XXXX for {$760.00} with XXXX fixed monthly payments of {$67.00}, which includes a fixed principal payment of {$63.00} and a fixed monthly fee of {$3.00}. The XX/XX/year>, statement accurately reflected these terms. 
The plan 's monthly processing expectations ( rules ) are : XXXX. The number of remaining payments decreases by XXXX each month. 
XXXX. The remaining principal decreases by a fixed amount of {$63.00} monthly. 
XXXX. The monthly principal, fee, and payment due remain fixed for the XXXX duration. 
However, to my horror, the following wild discrepancies have occurred : XX/XX/year> XXXX : The remaining principal remained at {$760.00}, the number of payments did not decrease ( still XXXX ), the fixed monthly principal increased from {$63.00} to {$120.00}, the fixed monthly fee doubled to {$7.00}, and the fixed payment due increased from {$63.00} to {$130.00}. 
XX/XX/year> XXXX : The remaining principle decreased slightly ( less than the fixed monthly principle ) from {$760.00} to {$710.00}, but the number of payments remained at XXXX. The fixed monthly principal payment increased from {$130.00} to {$140.00}, the fixed monthly fee returned to {$3.00} ( original ), and the fixedpayment due increased from {$130.00} to {$140.00}. 
XX/XX/year> XXXX : The remaining principal decreased significantly to {$570.00}, the number of payments correctly decreased to XXXX, the fixed monthly principal payment returned to {$63.00}, the fixed monthly fee remained at {$3.00}, and the fixed payment due returned to {$67.00}. 
Additionally, I established XXXX more XXXX XXXX in XX/XX/year>, with the following terms : XXXX XXXX - Plan ( XX/XX/year> ) : Total of {$2400.00} with XXXX fixed monthly payments of {$100.00} and no monthly fee. The XX/XX/year>, statement accurately reflected these terms. 
XXXX XXXX - Plan ( XX/XX/year> ) : XXXX of {$1100.00} with XXXX fixed monthly payments of {$49.00} and no monthly fee. The XX/XX/year>, statement accurately reflected these terms. 
However, the XX/XX/year>, statement shows inconsistent processing for these XXXX plans : XXXX XXXX - Plan : The remaining principal balance correctly decreased by the monthly principal amount and showed 23 months remaining. 
XXXX XXXX - Plan : The remaining principal balance was reduced by a non-specified amount, which was less than the monthly principal amount, and the statement incorrectly showed XXXX remaining payments. 
These significant and repeated discrepancies in my XXXX XXXX statements have caused considerable confusion and frustration. I request an immediate and thorough review of my account to correct these errors and ensure the terms of my plan are accurately reflected in all future statements. Additionally, I expect a detailed explanation of how these mistakes occurred and what steps will be taken to prevent similar issues in the future. I hope for a prompt and satisfactory resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} WI XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Consumer Loan

Metro Collection Service, XXXX XXXX has called my landlord and her husband about my debt. I am unsure of what information XXXX XXXX of Metro Collection Service has gave to my landlord and her husband. Metro Collection Service has not contacted me directly via email, US Mail, phone or mobile. This is an offensive behavior and I am looking into laws that will demand that they stop harassing me in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i obtained my credit report and seen inaccurate information with a company i had no dealings with. upon my further investigation this company claims i owe money to them for services i have no knowledge of. this company refuses to furnish me anything validating and verifying that this debt belongs to me. this is hurting my credit rating and my livelihood and ability to provide for me and my family. my XXXX kids and myself.
Product: Vehicle loan or lease

Someone used my Information to open a Carloan with Santander some years ago Ive been going back and forth with them and the Credit Bureaus showing this isnt me and they are still saying its me and keeping this on my Credit report Ive never purchased a car though them nor have I allowed anyone else to.
Product: Student loan

A payment was made on my student loan account in XXXX for an unknown amount as the payment was made by my mother who no longer has access to these financial records. The IRS XXXX 1098-E form states {$1100.00} in interest paid to my loan servicer that year, but does not state the full amount paid. My initial loan servicer, XXXX was transitioning to MOHELA at the time the payment was made and no payment confirmation was sent for our own personal records. I requested a refund for this payment on XX/XX/XXXX over the phone and was told the request was submitted, however MOHELA does not provide written documentation of phone conversations per the service rep I spoke with. When I called to confirm that the refund was in fact requested on XX/XX/XXXX, I was told no such request has been submitted. A refund request for the XXXX payment was again requested and despite numerous unfounded objections from the service rep on the phone, my refund request was in fact submitted and a written confirmation of the request sent via mail confirming the request prior to the deadline. The refund request was ultimately denied stating over the phone that no payment was made despite having IRS 1098-E confirmation. I did not receive any written communication regarding my refund request denial. I have been unable to confirm the XXXX payment amount despite nearly 10 requests since XXXX, XXXX to receive my comprehensive payment history. I recently received a payment summary stating all payments were effective XX/XX/XXXX yet MOHELA continues to decline my legal right for a refund of the XXXX payment.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day timeframe is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CREDENCE RESOURCE MANAGEMENT fail to meet the legal requirements by law.
Product: Debt collection

I have attempted to contact the original rental company, debt collection agency, FTC and credit bureaus to remove this debt collection. It still is being associated with me despite having absolutely no connection to this debt. 

I have provided extensive documentation to prove that I have never lived at the address where this debt is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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



15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for ANY purpose. 



Thank you for your time and cooperation in this matter. 


Best Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX XXXX have always stole utilities. From XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with XXXX XXXX. Their EIN number is XXXX. XXXX XXXX XXXX EIN number is XXXX. I was employed with XXXX XXXX in XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX & XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.
Product: Mortgage

Chase double drafted mortgage payment even after confirming twice that this in fact would not occur. I had Chase pause my automatic payment for XXXX/XXXX/XXXX so that I could make the payment XXXX/XXXX/XXXX. After confirming with them twice that I would not be double drafted, both the XXXX/XXXX/XXXX transaction was drafted and the XXXX/XXXX/XXXX transaction was drafted.