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

My XXXX XXXX XXXX XXXX  used my personal information and applied for a Discover Card in XX/XX/XXXX. The card was issued to him in XX/XX/XXXX. He subsequently defaulted in making payments. I did not discover this until some time in XX/XX/XXXX when I was advised by my mortgage broker that I had an outstanding debt with Discover Card. I then lodged a dispute through XXXX Credit Bureau and I have also made numerous calls to Discover to remove this debt from my personal records as : 1. I never applied for the card, it was my son who made the application without my knowledge or consent ; 2. I was never contacted by Discover either by telephone, mail or email to verify my information or whether I made such an application ; 3. All the purchases o the card were made by my son without my knowledge or consent. 
Apart from calls, I have also written to Discover on XXXX XX/XX/XXXX a very long and detailed letter explaining the whole issue and requesting that they remove this debt from my financial records as it has adversely affected my Credit Score. Discover replied to my letter on XX/XX/XXXX in which they simply said that the account and balances are " considered valid '' and that they have reported my account to the Consumer Reporting Agencies as a '' disputed account ''. 
I followed up with more phone calls and Discover wrote to me on XXXX XX/XX/XXXX informing me that " unless you have new relevant information to substantiate your claim '' they will continued to report this account as a " disputed account '' to all the Credit Reporting Agencies. How can I produce evidence of a negative fact? Namely that I never applied for the card? Surely the onus is on them to make sure that the person whose name is used in the application for a credit card DID actually make the application? It should not be possible for someone to use another person 's information to get a credit card and one with such a high credit limit. 
I made more calls to them and their representative advised me to get my son to sign a notarised document confirming that he applied for the card using my name, that this was done without my consent or knowledge and that all the charges on the card were made by him. 
I finally managed to get my son to sign such a declaration which I got notarised and sent to Discover on XXXX XX/XX/XXXX. They sent me a reply on XXXX XX/XX/XXXX saying exactly the same thing namely that the '' the account and balance are considered valid '' As you can see, I am not getting anywhere with Discover after XXXX  months going communication both by phone and letters and I am unable to get a mortgage to purchase a house. 
I will not be attaching any documents as all the documents have been submitted to Discover.
Product: Credit card or prepaid card

I signed up for this card in XX/XX/2018 and have had problems with it since. They have charged me excess fees due to an error in their system with my autopay. When I opened the card, I signed up to have my minimum payment taken out of my checking account. I apparently entered my account number incorrectly on that first attempt and have called the bank multiple times to get it updated so that it can be paid timely and fully. The bank closed my account because it went 2 months delinquent without notifying me. I have called the bank no less than ten times asking them to update my autopay account because I can't do it now that my account is closed. They keep " paying '' the bill with the wrong checking account information and then charging me a returned check fee. I don't know what to do any more because I have made an honest attempt to pay off the balance, but they keep using known bad autopay information which continues to rack up fees. Additionally, I moved in the middle of the process and they refuse to update my mailing address so the notifications are going to my old address and are not making it to me to make a timely resolution. All of the statements that I have received have a note saying that no payment is necessary because I am set up on autopay, but then they use the wrong account. I can't keep dealing with the bank directly because I am getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX XXXX : {$360.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that TransUnion XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. - XXXX Account : XXXX Balance Owed {$3600.00} Opened:XXXX XXXX. XXXX Account XXXX Balance : {$7200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account : XXXXBalance : {$11000.00} Opened : XX/XX/XXXX XXXX. XXXX Account : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX -- -- These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Debt collection

Today I received an alert for a debt amount of {$410.00} to a debt collection service/attorney named Prince Parker and Associates. The original Creditor was XXXX XXXX. I have no knowledge of this Service/Agency, and I have do not have a XXXX account. I have not for a XXXX  account for a couple of years and when I did I paid everything in full. This XXXX account was fraudulently opened in my name and in turn this debt collection account is a result of it. I have the same issue with a XXXX XXXX  account which I also filed about as well so whoever has stolen my identity has opened multiple accounts.
Product: Debt collection

Prove that I walked into to this gym and signed these documents! Prove that I agreed that I received anything with my signature on it! Also you never responded to the XXXX credit letters sent to your company addresses how much you guys paid for this debt amongst other questions your obligations as a agency have to answer! Your company is a fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}
Product: Credit reporting or other personal consumer reports

I provided the listed companies with proof of my signature to verfiy that I did not endorse the instrument and they have not removed the listed accounts from my credit report. 
I am writing you concerning my credit file with your company. I have obvious fraud on my credit report. There is another social security number showing on my credit ending in XXXX that does not belong to me. I am requesting that you honor Section 605B ( c ) ( 3 ) ( A ) of Fair Credit Reporting Act and the Blocking of my credit file. It is obvious that you guys have my information mixed up. I have a Right to Consumer Right to Privacy according to 15 U.S. Code 1681 a ( 4 ). 

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can\'t actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of.
Product: Debt collection

I received a Letter from XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX. XXXX, GA XXXX. with a Contact # XXXX. Dated XX/XX/20. 
CREDITOR : NAVIENTFAMS ID NUMBER XXXXINTEREST {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.
Product: Credit reporting or other personal consumer reports

I am XXXX  % XXXX  and XXXX  veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.
Product: Credit reporting or other personal consumer reports

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. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts
Product: Checking or savings account

In   XXXX   XXXX  ,  I was purposely provided with misinformation when opening a checking account with Bank of America using a  XXXX    XXXX   XXXX   issued check.  When the Bank's employee responsible for opening the account asked what brought me into the branch that day, I said my desire was to deposit a check to purchase a vehicle using an earnest cash deposit in a timed sensitive  XXXX  owner vehicle auction (paying the remainder when the entire check clears & pay a credit card bill.   from   XXXX   XXXX   in order to open a new account. Bank of America.  I reported a loss of a steal of a deal (practically) give away vehicle.  I requested Bank of America's Insurance provider with a claim number for the reported loss.    XXXX   XXXX   has not been cooperative.  I request expediting of the matter being that I'm a Veteran   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . Happy Memorial Day weekend!
Product: Mortgage

We sold our Arizona home and settled our outstanding loan balance. At the time the real estate taxes debited from our escrow account by LoanCare had not cleared with XXXX County ( {$1500.00} ) and so we had to pay the full amount at the time of settlement. We informed LoanCare that their check for the real estate taxes was never cashed and requested a refund. I tried following up with XXXX county to expedite the return of the funds to LoanCare, but as LoanCare had written the check, the county tax department could not help me. I gave LoanCare the details to follow-up with XXXX county on XXXX XXXX, XXXX. I followed-up with LoanCare customer service numerous times by telephone ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and three times on XXXX XXXX, XXXX ). Each time I was told their tax department is handling it and I would receive a call back. Each time I waited 20-45 minutes for a customer service representative to answer the phone. I 've asked several times to speak to a supervisor, but am put on hold and then disconnected. I simply want the funds owed us returned, but regardless of how often I call I make no progress on receiving the money owed us by LoanCare. Please advise how I can proceed, as I need the funds to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

I have been having issues with Zelle. I have switched my number back in XXXX. Ive been trying to switch my phone number on Zelle but it tells me to go to my banking app thru XXXX. However, XXXX XXXX XXXXXXXX tells me its an issue with Zelle. Its an endless loop. I tried calling Zelle customer service but they dont ever answer. It has an automated system that makes it impossible to speak with a representative. I have lost out on payments on XX/XX/year> and XXXX of significant amounts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : 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

several accounts listed on my credit report, which I believe are inaccurately attributed to me. I do not recognize the following accounts and requested the company that they be thoroughly investigated and removed never got ana naswer response email nothing please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I am a XXXX who had a major complication in XXXX, this happened in the hospital. Later the hospital made my ability to work difficult and used excuse to get me out of the hospital and I was later cleared by the State Board. It was during this difficult times that my loan and other financial situation got worse. When the Case was to go to court in XXXX, I filed for Bankruptcy to protect myself, I eventually did not go with the Bankruptcy. May be it was because of the Bankruptcy that Satander Consumer USA stopped sending we bills, they had not sent me bills since XXXX ; NOTHING. 
In early XXXX, COVID-19 started and most hospitals stopped Surgeons from doing surgery. Luckily, I was able to obtain Privilege to do Surgeries at another Hospital. In XXXX of XXXX, I got a call from Satander about paying off the vehicle with {$6000.00}. I explained my situation with the lady saying I was not allowed to do surgeries for months and surgeons are just now being allowed to do surgery. I begged her to let me pay monthly, but she claimed that I had not paid in 500 days, which was incorrect. I was so insulted that I could not call them back. Luckily, I was able to make double payments on line, but could not see all my previous payments. They refused to respond to my emails, appealing to them ; these will be attached. 
Suddenly, while I paid them monthly, they came and towed the vehicle yesterday, XX/XX/XXXX. I had asked them for a payoff in writing by email, they refused to respond. When the car was towed, a gentleman, XXXX # XXXX, who answered their phone wanted me to pay far more than what I was told on line. I explained to him that I was told to pay {$6000.00} in XX/XX/XXXX, I had already paid {$4000.00}, why will you now tell me to pay {$7700.00}. Anyway, my Business had picked up, I rushed to pay the money by " XXXX XXXX '' because they refused for me to pay them directly. Unfortunately, another form of payment was used by a XXXX lady at the XXXX XXXX Kiosk, unknown to me ; she used Check free pay, which I have NEVER heard of. Satander is aware of this form of payment but they refused to accept it saying I have to wait for days to collect my car. I rushed back to XXXX, the attendant explained to Satander staffs that everything was done properly and it showed same day payment in their system, satander refused. All this happened during my clinic hours. All my patients got upset and left.

I complained to Satander about COVID interruption, they claimed they were not aware that it affected me. My email exchange will show that they are not being truthful and they DO NOT CARE. This was a used car paid with a ridiculously high interest, I had to get the car so I could run my Business.

I am not sure what remedy will apply. I had paid and overpaid them and I hope they will return the vehicle and the Title, but the whole world needs to know what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is in violations FCRA 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

My XXXX  child who wasn't authorized charged over {$4000.00} on my credit card and they are not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft DISCOVERBANK Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX  This is not mine.

10. Identity Theft DISCOVERBANK Account Number : XXXX  This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX  XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.