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

On or around XX/XX/2019, and entity created an account with Credit Karma, using my SSN and name, to gain access to my credit report/history. Then subsequently begin attempting to open credit card accouts with that information. 

I can not login to Credit Karma using my own SSN as a fraudulent account already exist with a fraudulent email address. Credit Karma has not fraud line or phone number of any kind for anybody. They handle ALL support related issue via one automated email account : support@creditkarma.com.  They are know to be very unresponsive via the portal of communication, weeks and months. For a credit reporting entity this is completely incomprehensible and downright negligent/incompentant. 

Timing is of the essence with ID Theft, at this point, this has a continueal portal to review my credit, my accouts, everything. And I seemingly have no recourse to resolve this with Credit Karma.
Product: Debt collection

Midwest Recovery Systems reported a six year old debt on my credit history after it was removed previously in XX/XX/2018 after being disputed on my credit report. I demand removal of this negative information immediately.
Product: Credit reporting or other personal consumer reports

I send dispute letter that information and account that need to be delete from credit file i send them document and no help. This accounts 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

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

Equifax data breach resulted in loss of my data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent 3 copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved one copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak XXXX well, and will start using my old incorrect name when they learn I've had a legal name change.
Product: Debt collection

I actually could have chosen several of the complaint subject because the all where applied as a result of retaliation, starting from XXXX XXXX, XXXX XXXX, Department of Education and Most likely XXXX XXXX. I was retaliated against after filing a claim in relationship to my deductions from my Social Security Check for two separate reasons, I have contacted as many agencies that I know of and continue to until I get a hearing concerning these matters. I have been locked out in order to be exposed to an assault using group stalking, arrested and jailed for resisting arrest without having committed a crime to be arrested for. I have been forced out of employment, Robbed and threatened inside of my housing. I have endured more than I can describe in a Dictionary sized book, and still to this day I am getting calls on a daily mostly robot calls, to include text of non relevant material. Intercepted Legal Mail, to include Appeals, At XXXX It  's not hard to recognize being the subject of an assault, rather you use cars for cover, call centers, glasses or an umbrella. Not to mention confirmation from others in the vicinity of their presence. Without saying to much at this moment though I have 3 different student loan debt collectors all claiming them the exact sane amount for an amount of money XXXX received and not me. Nor did I get a Higher Degree or Employment from them. But I did get beat, kicked shocked, and robbed of an inheritance because I was XXXX  for it. Never received Money or anything else from XXXX that can be considered an tradeoff. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX & XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AS WELL AS U.S. Department of the Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXX, Al XXXX have all been collecting {$33000.00} since 2008 after I wrote XXXX XXXX a Letter to get information on their claim
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 7 Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX Account XXXX XXXXXXXX, opened XX/XX/XXXX XXXX. {$13000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}. Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$25000.00}
Product: Credit reporting or other personal consumer reports

MY CREDIT SCORE DROPPED XXXX POINTS DUE TO ERRONEOUS INFORMATION FROM DILLARDS/WELLS FARGO. I HAVE BEEN TRYING TO RESOLVE A {$27.00} BILLING ERROR THAT OCCURRED IN XXXX OF 2022 AND WHICH NOW TOTALS {$270.00} DUE TO FEES AND INTEREST THAT I DO NOT OWE! THIS HAS DRAGGED ON AND ON AND ON FOR 11 MONTHS. I OPENED A COMPLAINT WITH CFPB AND RECEIVED A LETTER LAST MONTH FROM WELLS FARGO SAYING A CREDIT WAS APPLIED, BUT I AM STILL RECEIVING A BILL ( WITH MORE INTEREST AND FEES ) AND MY CREDIT REPORT REMAINS INCORRECT. WELLS FARGO HAS BEEN ABSOLUTELY HORRIBLE IN HANDLING THIS AND OBVIOUSLY DOES NOT WANT TO FIX ANYTHING. 

SEE CFPB REPORT XXXX
Product: Debt collection

On XX/XX/XXXX, I found that Credit Control Corporation, was negatively reporting an alleged medical debt to all 3 credit bureaus for {$1400.00}. On XX/XX/XXXX, I sent a debt validation letter to this collection agency by certified mail. The debt validation letter I sent is attached to this case file. As of XX/XX/XXXX, Credit Control Corporation has failed to respond to the debt validation letter and failed to adhere to the validation letter request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experian credit score dropped 14 points for 1 inquiry with XXXX XXXX XXXX..I filed a complaint.They investigated and dropped my score another 9 points. On XX/XX/XXXX my score went up 2 points..A week later with the same info., my score dropped 9 more points after my complaint.Thats 23 points for 1 inquiry! I called and they said to hire a credit specialist..They had no answers..my credit usage is 23 % which is under the 30 % ..They keep dropping my points for the same inquiry over and over! One inquiry should be 4 points max! I have exceptional payment history and no late payments..They have been deducting points over and over for one inquiry as an attempt to get me to purchase their services! ..I worked hard on my credit score and they are abusing their power to ruin my score for their financial purposes! I asked for a written statement but they said " Go hire a credit specialist! " ..I dont understand how they dont have answers if they dropped my score for nothing! I feel as if they are trying to force me to buy their products ( credit protection, monitoring, etc. ) and if we dont buy, they begin illegally dropping our score! I complained about them dropping my score 14 points for 1 inquiry..They responded by dropping my score another 9 points for the same inquiry! I am out of options so I filed this complaint..I am forwarding documents of my score before and after..One account they deducted 23 points! .. Right after my score went up 2 points with the same account! I see that if we file a complaint, they deduct points as an act of revenge..
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ONCE AGIN IS THE ONLY CREDIT REPORTING XXXX XXXX XXXX XXXX IN ILLINOIS, THE OTHERS DELETED YEARS AGO.
Product: Mortgage

I have a 1st Mortgage with XXXXXXXX XXXX  XXXX XXXX, and serviced by SPS Portfolio Servicing,  XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I had a pending loan modification that expired XX/XX/19 that I was paying ap. {$1500.00} per month on. On XX/XX/19 the servicer sent me a notice of the expiration of my 5 year modification with a demand for a new monthly payment of {$3800.00}, and beginning XX/XX/19!! This is a {$2300.00} dollar per month increase!! 

They informed me that I could submit for another modification, which I did. After all the paperwork I provided SPS informed me that XXXX XXXX does not provide this service any longer. I appealed this decision to give me 1 more year and they declined. 

They " hang their hat '' on the area of the modification agreement that says borrower may suffer from payment shock at the end of their modification period. Payment shock according to- XXXX XXXX XXXX underwriters is a 20 % increase in the borrowers payment!! Mine is 250 %!! This is a owner occupied mortgage! They should have spelled this potential increase out 5 years ago. I am XXXX XXXX XXXX and have been in my home 20 years, they gave me 2 options, to sell, or refinance! Please help! XXXX XXXX
Product: Mortgage

I was approved for a loan modification I let Selene Finance know that I felt the payment was too high for what I earn. However, I have continued to make payments, and I intend on making the payments monthly. I let them know in XXXX that I was struggling with payments because of very serious XXXX  symptoms, and they had agreed they will try to find other solutions once I get better and return to work. I have called Selene Finance several times since and asked their representatives if there's any other way of reapplying for another modification since 2 of the people that are living with me have been laid off and I am the only one paying all of the bills now. However, on XXXX 's end, everything is in goodstanding and advised me to continue making payments. Now, as of XX/XX/XXXX, I received a Notice of Default from Selene Finance and I have to have close to XXXX XXXX dollars due within 4 days on XX/XX/XXXX. It is already impossible to even earn XXXX XXXX a month for me, but they have refused to work with me, and say that everything is ok on their end and that the default will not happen as long as I continue to make my monthly payments, but the letter I received today says otherwise. I am at a loss. I hope to come to a resolution with them.
Product: Credit reporting

I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX, and Equifax multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


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

The company XXXX XXXX XXXX of XXXX XXXX, XXXX. sent me to " collections '' according to credit bureaus over a non-existent account hurting my credit score. No due process was followed, they never contacted me. I definitely do not owe them a penny. 

I called the number of this company shown in website here : XXXX  : XXXX and the person said that I don't owe anything but they reported me to the credit bureaus regardless and won't fix this. Then she said that they are not related to XXXX XXXX XXXX of XXXX XXXX, XXXX. even though the number of the website shows that company 's name. I dont know what to do. 

Supposedly ABILITY RECOVERY SERVICES is acting on their behalf to collect {$64.00} dollars that according to XXXX XXXX XXXX XXXX XXXX, I owe to them. This is absolutely incorrect. I paid all my bills immediately, I don't owe anything to no one. 

Also, Ability Recovery Services has no option for a consumer to contact them. The contact info appears to be for prospective clients. So, XXXX doesn't make it easy on me to find out what is happening and why they came up with this bogus claim that I owe them. 

XXXX XXXX XXXX of XXXX XXXX, XXXX. and ABILITY RECOVERY SERVICES need to be monitored by Federal Regulators for the following : 1- Causing financial damage to U.S. citizens without any regards to due process. I am trying to renegotiate my mortgage and then this happened!! I can not believe it. I have now a derogatory mark on my credit score record for something that is just not true. 

2- Lack of business sound practices, such as producing documentation and communicating with the person that supposedly owes them money and communicating to such person that if no attention is given to the claimed amounts, that they will subsequently proceed with collections. I was NEVER contacted by any of these companies, they just didn't bother. They just proceeded to hurt my credit score and spoiled my chances of renegotiating my mortgage. Had they contacted me, I would have proven to them that their accounting and processes systems are deficient and sub-par because whatever they think they have about me is incorrect, meaning I have not used their services and I don't owe them a cent, nothing. 
By common sense, before you send someone to collections you first perform and document the intent to collect the alleged debt. You send letters, emails, make phone calls, leave messages. Many things could have been done and they did NOTHING. Had they contacted me I would have told them how wrong they are, but they didn't give me the chance. I dont even know how to effectively contact them and who in their organization can effectively repair this damage. 

3-Having a website with incorrect contact information so people can not easily find out what is going on and why these company have hurt their credit. These companies doesn't provide a clear path to communicate and agree on a solution.
Product: Debt collection

On XX/XX/2020 I paid my Macy 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of XXXX XXXX XXXX XXXX. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to XXXX XXXX XXXX, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Product: Checking or savings account

I am filing a complaint against my wisely ( XXXX ) debit card inst. ( acc. no. # XXXX ) and Navy Federal Credit Union XXXX acc. no. # XXXX ). On or aboutXX/XX/2021, I instructed my XXXX debit card inst. to transfer XXXX off my XXXX debit card into my " new '' savings account with XXXX XXXX. Upon waiting minutes for this transaction to go through, I continued ued calling both parties to see if the transaction had been completed. After calling Wisely a few times, they finally asked me to check my account number with XXXX XXXX. Upon checking my online app. I saw I failed, as a new member, to push " more '' to get my complete " savings " account number. I gave wisely the first number visible on my " checking '' account number and added my last 4 numbers visible off my " savings '' account. I immediately called Wisely back and told them I gave them the wrong account number at which time wisely informed me, " if I gave the wrong account number the money would automatically go back into my Wisely account. '' I then immediately called my XXXX XXXX account holder and told them of the error and I was told my XXXX went into another XXXX XXXX members account and there was nothing they could do. I filed a complaint with the dispute dept. for wisely and they concluded no error on them because I gave the wrong account number. I told them yes I did but, I instructed them to transfer XXXX into " my '' XXXX XXXX account, not XXXX XXXX! I have lost XXXX dollars and neither account holder wants to take responsibility. XXXX XXXX should have immediately asked did I give wisely the right account number because, after I waited the five days as wisely instructed me to do, XXXX XXXX told me they could have done something about it if I told them sooner.
Product: Money transfer, virtual currency, or money service

I want all money that was reported to be returned. They also allowed me to get scammed out of {$560.00} in 2021 because the scammer declined but i was never able to get in contact with an actual person just representative bots with automated messages $ XXXX