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

XXXX XXXX XXXX Date Of Birth : XXXX Last 4 SSN : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I previously filed a complaint with the XXXX XXXX XXXX with the complaint number # XXXX, and the XXXX XXXX XXXX managed to remove it from my credit reports. Now I am having the same issue with the same account with different collection agencies and none of those collection agencies can't provide me with a legal contract that I signed on. I am seeking help from the XXXX XXXX XXXX  to find me a solution with that account the same account being already removed previously from the credit bureaus. I am not liable for this debt with XXXX, I do not have a contract with RADIUS GLOBAL SOLUTION, They did not provide me with the original contract as I requested. RADIUS GLOBAL SOLUTION called me and said I have to pay that debt I told them that I refuse to pay because I am not responsible for this debt, I also told them to send me the original contract proving my signature on it. Until RADIUS GLOBAL SOLUTION provides me with the original contract they have to remove ASAP from my credit reports. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud on my credit report hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account with Capital One was open without my knowledge I obtained a police report spoke with Capital One and had the account removed from two of the three credit bureaus I have disputed the charge with XXXX and they will not take it off my credit report after several disputes I even sent a police report and an affidavit statement that the charge was not mine and they refused to remove it
Product: Credit card

This is regarding American Express dispute XXXX for an XXXX order of mine where the item was damaged in transit and the merchants own carrier marked it damaged and returned to sender left with sender. Originally American Express said they were awaiting credit from the merchant then they changed it and havent resolved in my favor yet. The impartial evidence of ups tracking clearly states it was returned and left with sender. I also sent American Express photos of a live chat I had with XXXX asking them for my money back weeks ago. Apparently merchant lied to American Express and told them I didnt contact them but we caught them in their lie. American Express seems to be favoring merchant here and not closing in my favor despite ample evidence supporting it was RETURNED TO SENDER and I am owed my money back. See ups tracking XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the following fraudulent items are appearing on my credit. The fraudulent items are as follows : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct EQUIFAX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXXSEE ATTACHED DOC* To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : XXXX XXXX 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

Someone stoled my identity and used my name for years and this account is not mines with comenity company.there is fraud on this account and i had a bad divorce who may be there accounts take off immediately
Product: Credit reporting or other personal consumer reports

I paid off 2 of my accts with capital one. I was told if i do so i can get an auto loan because i wont owe them anything. I paid on 2 closed accts XXXX  and was declined auto. When asked why it was because i owed them money. But i was told it wouldnt be held against me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00}
Product: Checking or savings account

There was an account opened with Chase Bank fraudulently and I did not know that it was opened and it carries debt. I did not approve of this account and it is a result of fraud and identity theft. I should not be responsible for something I didnt do. I ask that Chase do their due diligence and investigate this account and provide information about what is going on and erase this from my profile and not hold me, XXXX XXXX liable for this fraudulent account. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and my number is XXXX. Pleas and thank you.
Product: Consumer Loan

I had a car loan through Regional Acceptance that I paid the last and final payment on XXXX/XXXX/16 of XXXX. I spoke to the company on XXXX/XXXX/16 to confirm m my new address so that the title could be sent and was told by the rep that it was sent out on XXXX/XXXX/16. On XXXX/XXXX/16 Regional processed a debit of XXXX on my checking account without my knowledge or authorization. I would not h have made a payment after I had paid a final payment previously. This company y did this once before earlier this year and I had to block any checks from them on my account. I am concerned that they held my personal debit card informat on file from a previous transaction, this is dishonest, unethical and a violation to the Fair debt collection practice act. Please hold them accountable and keep them from doing this again in the future to other consumers.
Product: Student loan

All my student loans were consolidated on XX/XX/XXXX according to XXXX./XXXX by XXXX, now known as 'XXXX. At no time ever after/post my XX/XX/XXXX consolidation did XXXX. ', now known as 'XXXX  ' or did any other lender that my loans were sold to i.e.  Great Lakes contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, transfers or payment types ( a loan payment option***does not include a deferment** ) *. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called XXXX who took over XXXX. XXXX and I explained my predicament, and their representative 'XXXX XXXX replied, " We or XXXX. never informed our borrowers of the P.S.L.F, or payment options related to that! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the XXXX over over XXXX XXXX XXXX XXXX XXXX over my XXXX XXXX XXXX. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'XXXX ' or did any other lender that my loans were sold to i.e. Great Lakes contact me, inform me, or make any attempt after/post my Consolidation of XX/XX/XXXX at any time to offer other types of loan payment options, transfers or payment types ( a loan payment option***does not include a deferment** ). Not informing me of the passage of the P.S.L.F. in XXXX, or engaging me as a borrower with any kind of basic information or options related to qualifying for the P.S.L.F. is a violation of fairness in lending, a lack of transparency and full disclosure, unethical, and well kind of tricky. An average and reasonable person would simply let their borrowers know of such changes or new programs that affect their student loan borrowers, it's simply an appropriate, fair and courteous response. It's crystal clear that 'XXXX '' now know as 'XXXX ' through their 'failure an omission to act ' didn't want to fairly and appropriately serve their borrowers, because if they did they would have simply done what an average citizen would have, and that is insuring all of the borrowers were treaty with fairness, clarity, respect and full legal disclosure of all that may effect them. Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you feel there is a possibility these itmes belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/2018, 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 a account without my written instructions 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
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting

Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from transition When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called XXXX who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Transunion and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a 0 balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Product: Debt collection

A few months ago, Aargon Collection Agency sent me a bill saying that I owe them money. I've never done business with them. The alleged creditor is apparently XXXX XXXX XXXX, who confirmed to me that I don't owe them money. They have sent me another notice dated XX/XX/year> making the same claim ( although they now claim a payment was made on the account. If so, the payment did not come from me. ) This appears to be a scam, especially since XXXX can not find any bill that I owe on, and XXXX has provided zero documentation that I owe XXXX anything.
Product: Credit card or prepaid card

I have applied for American Express Delta Gold card in XX/XX/2021. While starting application, offer was spend {$2000.00} in first 3 months account will receive bonus of XXXX  miles. While starting application when i filled all the info after that again offer changed to XXXX miles instead of XXXX miles. I gave a call and check with representative at Amex. Rep confirmed about XXXX miles. When i completed my application I want to double check and make sure about welcome bonus. So i check with rep through chat box available on AMEX  mobile application. After 3 months also i checked after using {$2000.00} about the welcome bonus over chat box. Representative confirmed about my eligibility and told me to wait for statement cycle to close. But till date i have not received my XXXX bonus miles. I have called AMEX  many times and getting reply about the internal investigation and can not help. I have attached screenshot of all messages of chat box.
Product: Mortgage

Mortgage servicer did not pay full homeowner 's insurance amount and policy was canceled due to non-payment. Servicer claimed they did not have access to the premium amount, but they were added on to the insurance by insurer and sent a revised statement/bill. Upon discovering my lapse in insurance ( 8 months later in a letter from servicer asking for insurance proof ) I started a new policy - I assumed since I heard nothing further that they were able to make the payment. After that, the servicer requested I purchase insurance from the cancellation date to the day prior to the new policy ; I am unable to purchase such insurance as no one will sell backdated & expired insurance, therefore the servicer is going to charge me roughly {$700.00} for 8 months of expired insurance, when my annual policy amount is roughly {$730.00}.
Product: Credit reporting

I was given free credit protection with Experian due to a security breach. It promised that I would be able to see my credit score right on their website. But, I could not get it, so I called. After much wasted time on the phone Experian said that it was not included in my free service, but that I could get it at freecreditreport.com. So, I logged in there and was told " Congratulations, you are eligible for a seven day trial membership {$0.00} credit report. '' But, when I tried to access it, it told me that the cost was {$21.00}. Another very long frustrating call and I was told that it would be available in 2 days. I totally do not believe this and am convinced that Experian is deliberately misleading and deceiving customers. Please do something to make them stop. Thanks.
Product: Credit reporting or other personal consumer reports

Consumer personal information was stolen in a data breach of 3 billion consumers personal information. Consumer is requesting that all items listed in Attached FTC Identity Theft Report to be deleted from consumers personal credit report file from all credit bureaus Equifax, XXXX, XXXX pursuant to Fair Credit Reporting Act section 605b. Also 15 USC section 1681b permission must be given by the consumer to report my personal information on credit bureau.