23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I seen where I had a collection on my credit report with Calvary portfolio. I disputed through the credit reporting agencies and all I was sent from Calvary portfolio was a debt settlement offer. I requested validation of this debt numerous times and even filed a compliant with the XXXX  and Calvary portfolio comes back with the same reply that they validated and sent to my home address. The ONLY thing I have ever received from them was a debt settlement and that was in XX/XX/XXXX. I have not reviewed any type of debt validation from this company and this has been ongoing since XX/XX/XXXX. That is 4 months and still nothing showing what the debt is for, is it my debt, when and who the bought the debt from. Every compliant comes back that they previously validated. I am an honest person and I would not say I hadnt received anything if I had received something. This is a violation of my rights. A debt collector has 30 days to provide validation of an account that is being disputed. I want this removed from my credit reports and not to be sold to another company.
Product: Credit card

On XX/XX/XXXX I attempted to open a credit card at XXXX. I was denied and knew my credit score would be sufficient to be approved. I had been getting calls from a number claiming to be American Express. I did not take them and eventually blocked them because I thought they were fraudulent. I should also include that I have had other calls, emails, and SMS notifications that I did not recognize. So, eventually I got a letter forwarded to my new address from my last apartment. It was from American Express. I called them and they informed me that I had three credit cards open with balances totaling over {$40000.00} and that the accounts had been closed and that I owe this money. They also told me that these cards were linked to a XXXX rewards account so I proceeded to call XXXX someone had been using my money to collect XXXX miles. Im not sure if they were cashing these miles or giving them to someone else however, if that was the case they would have had to have access to my license or some sort of photo ID as well. I believe that my entire identity was stolen and not just a Social Security or general information. At this point, Im not sure what else has been compromised or the extent or timeline. I have checked my credit report and the other cards on my account due belong to me however, the last time I checked, my credit was over three years ago that is my fault, going forward I am going to freeze my credit Reports and make sure that creditors contact me at my phone number. I am in the process of changing my phone number and deleting my XXXX and XXXX accounts. I do not have evidence clearly of this, but I believe that I was a victim of XXXX fraud, which is a new type of fraud where people can access your cell phone remotely and basically see every activity that youre doing. To my understanding, they would be able to receive any text messages or SMS alerts and see all of my emails and any other correspondences that I had as well as conversations with people and being able to forward calls and hear my voicemails. They would also be able to access any accounts that I had for my current credit cards. I did go into XXXX about a month ago and have my changed on my card however I dont know if that is sufficient so I will be changing my phone number. About nine months ago the company I worked for did have a big security breach and got a hold of all of our email addresses personal and Work and I did have a app on my phone. That was a security For the company and part of me wonders if that had something to do with it, however, American Express confirmed that these credit cards have been opened for over two years. I need to know what action I need going forward and American Express is willing to send me copies of all of my statements however, I really dont wan na receive anything in the mail that could be intercepted or that I might believe to be fraudulent because at this point, I am having a hard time, trusting any business or resource Including this website to be honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account Number XXXX Account Number XXXX Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


AMEX/CITIBANK , N.A. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Debt collection

I recently requested my credit files from all three credit reporting agencies. Once, received I notice a account on my credit from Ad Astra Recovery Services ( Collection Agency ) which had been from XXXX XXXX XXXX. The account showed was reported by all three credit agencies. I submitted a dispute with all three agencies, and the investigation from collections agency response was information verified. The collection agency did not give any accurate data concerning the accounts. The acct # XXXX also is reporting inaccurate opening dates on the account. with XXXX  shows opening date as XXXX18, XXXX XXXX reflected XXXX18. I submitted a dispute with also XXXX  a three reporting the negative account. A investigation was conducted, after the completion of the investigation. I requested debt verification of account information. Which, would verify when account was opened, and amount owed, and signature could be verified. At the time of this account open, I have never have had a nt with XXXX XXXX, and I am not aware of any account with this company. Ive contacted the Collection agency  Ad Astra Recovery Services. And I am attempting to get this issue resolved. By the collection agency providing account information of owner ship of the account. Which they will not provide in response to dispute of accurate information. The account is inaccurate, and negative, and derogatory information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOANS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Product: Bank account or service

I filed extra charging complaint against Bank of America XXXX Bank of America refused send and showed my rent check of XXXX with sad icons on check because of I do not like Oregon resident on Bank of America paper check, Please Release rent check with sad icons must release information to U.S. XXXX at formal requests to male attorney allows looking at sad icons at formal requirement meeting with me in confrontation.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY MORTGAGE COMPANY XXXX XXXX  GAVE ME THEIR NUMBER FOR EQUIFAX AT XXXX. THIS NUMBER CONNECTED ME TO A SCAMMER. THE AUTOMATED CAME ON FIRST AND ASKED FOR MY NAME, I PUT IN THE FIRST LETTER AND IMMEDIATELY A MAN WITH A FOREIGN ACCENT CAME ON THE LINE AND REQUESTED MY SOCIAL SECURITY NUMBER. I IMPULSIVELY GAVE IT TO HIM. THEN REALIZED THIS WAS NOT RIGHT. I TOLD HIM I FEEL UNCOMFORTAGBLE. HE RESPONDED, " I UNDERSTAND. '' I IMMEDIATELY HUNG UP AND CALLED XXXX AT XXXX XXXX. SHE TOLD ME SHE GAVE THIS NUMBER TO OTHER CUSTOMERS WITHOUT A PROBLEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been told by one of my creditors that somebody stole my information opened up a credit card fraudulently and they told me Im a victim of identity theft
Product: Checking or savings account

The bank would post late transactions that way I couldnt keep up with how much I had which then caused me to be overdrafting and have to pay the late fees later. Also my account was hacked twice users were depositing $ XXXX in my accounts. The bank closed them down and I havent had accessed since.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, XXXX XXXX XXXX XXXX XXXX XXXX, 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
Product: Credit reporting or other personal consumer reports

In re : Tu XXXX XXXX reports showing adverse activity with XXXX XXXX, a private student loan lender. 

2 accounts : 1. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, XXXX XXXX has augmented the payment history to re-age the accounts.
Product: Debt collection

I have a collection company " IC System '' that has been mailing me notices that I have a collection with them, but they are trying to collect a current loan that is on auto-pay with my on my credit card. I have confirmed with my credit card company that the monthly payments are going though thus I am CURRENT on my monthly loan payments! This company is trying to scam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already have this issue with my credit report especially Equifax for more than a decade ago regarding my sister 's identity ( ie. name, SSN ) and my identity are all mixed up and also the fact that is my twin sister with same date of my birth. First, I asked for help from XXXX  XXXX XXXX back in XX/XX/XXXX to dispute my credit report from my twin sister. After 5-month period of disputing, the legal service sent me a letter that I had to sue Equifax for not responding as next step however first, I had to check the proper procedure before filing small claims. 

I don't have the exact timeline after legal service. I went to see my loan officer around XX/XX/XXXX and told about this dispute case. The officer talked to Equifax on behalf and after the conversation, I was provided by officer the procedure of sending ( via mail & fax ) my proof of identity even my twin sister 's identity. During the timeframe until XX/XX/XXXX, I had been calling Equifax 3 or 4 times to provide my identity via phone and sending them my proof of identity even my twin sister 's identity ( via mail & fax ) over and over again as a result of my identity questions from Equifax support with my responses didn't match to their system. They also promised to send me letter for my dispute claim however I never received letter even to my twin sister 's end didn't receive either. I signed up on Equifax back in XXXX to track my credit score then after, I can not login to my account due to, I assumed, the mixed credit report between my twin sister and me. 

So now I'm here to file a complaint against Equifax after the attempts to follow procedure on how to dispute and Equifax gave me headache for more than decade.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a written request to Experian disputing inaccurate/incorrect information I discovered within my Experian credit file. For the following : XXXX XXXX XXXX  {$560.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX {$24000.00} XXXX XXXX {$2800.00} XXXX XXXX {$910.00} Rise {$490.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX {$3500.00} To date I have received a response within the guidelines from Experian. Experian did acknowledge inaccuracies/incorrect information has been reported by the various creditors, however those items were not removed in accordance with the FCRA referencing inaccuracies/incorrect information, Experian reported inaccurate/incorrection information has been updated, then the creditor re-aged the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave this company my permission to publish any of my personal information, furthermore In accordance with the Fair Credit Reporting Act TransUnion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

Three credit cards were opened in my name. 
XXXX XXXX XXXX XXXX for {$500.00} XXXX XXXX for {$3200.00} XXXX XXXX for {$330.00} I have reported these cards to the perspective companies. The accounts have been closed and are under investifation.
Product: Vehicle loan or lease

I have called Santander, several times requesting the Explanation of Calculation of Surplus or Deficiency and they will not send it to me. I also called and asked questions about the security interest and no one has followed up with me. I also requested the 1099-C Santander filed on XX/XX/21 and they will not send it. I want all accounting ledger 's for this " loan. ''
Product: Credit reporting or other personal consumer reports

I currently have no debt. I pay off my credit cards monthly and recently paid off my mortgage. My credit rates has dropped over 100 points with one organization and the other indicates that they cant calculate a rating. 

Its sad that an individual is penalized for payoff their debt and has never had a late payment. Very unfair!
Product: Credit reporting

There is an inquiry from XXXX which appears on my report that is not mine. I disputed the inquiry and received a letter saying they can not remove the incorrect information as they must list all companies who received your credit report. However, the companies must have a lawful reason XXXX permissible purpose ) for doing so. This inquiry was not authorized and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on thisXXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original CreditoXXXX : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXXXXXX 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
Product: Debt collection

Experian is reporting a debt that dont belong to me. XXXX XXXX XXXX XXXX XXXX {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX GM Financial sent me a late notice on my lease account for XX/XX/XXXX.  When I called GM support I was informed over the phone that my auto-pay, which was set up by the GM dealership from day 1, was removed from the system in error due to a system update. GM removed our late fee but reported a late on our credit report. We are in the process of purchasing a house and this late has caused our mortgage rate to increase which will cost us nearly {$200.00} per month more than the estimate prior to the late report. This is the one and only late report on our credit history. GM Financial has not been willing to help resolve this issue with our mortgage lender to correct our credit score to have our rate fixed. I have spoken with multiple managers at GM financial who are unwilling to do what is being asked by my mortgage lender to resolve this issue. They are also unwilling to escalate this issue within GM.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/202XXXX XXXX - Account was paid in full XX/XX/2022 XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX - Account was paid in full ( for removal ) XX/XX/2XXXX XXXX
Product: Mortgage

I owe them XXXX, I have called the entire month of XX/XX/XXXX, I was lied too about a refi option and then I was lied to again after a rep told me this amount was out on a lien against the house to be paid back when i sell or refi and that was a lie. I can not get a single rep to help me with my issue. I just want to get current with my loan so I can get rid of this company
Product: Debt collection

yesterday, XX/XX/20, I spoke with an agent that advised me that " written notice/Verification notice '' was mailed to an address that i have not lived at for 2 years. I advised wrong address and requested validation of two debts. I found out about these accounts because i got an alert on my credit score app. After reviewing my disputes again, I noticed the Agent only  Disputed/requested Validation for 1 out of 2 accounts. When i try to call back i am sent to voicemail. On my credit report it shows two different collection companies " Debt recovery solutions , llc '' and " XXXX XXXX XXXX '' but when i spoke to Debt recovery solutions, they advised they had both accounts. XXXX XXXX XXXX is collecting {$120.00} and Debt recovery solutions is collecting {$1600.00} but i have never been contacted ( no called or mail ) in regards to this debt.
Product: Credit card

When I logged on to my Macy 's account I paid the balance in full but had made a purchase that did n't reflect on my loan balance at the time of pay-off. I called the creditor and I asked them why did n't I receive a statement or a courtesy call and if they would remove the 30 day late off my account as I 'm in the process of buying a new home. I was told my statements went to an email account that I have n't had in 8 years. I asked what their process was when the statement is rejected by the address and was told nothing. I believe they need to update their system to show all outstanding balances and have a better process to notify their card holders of any returned electronic statements. This is very disappointing news as my mortgage rate will now go from a 4 % to a 4.875, I have since cancelled my credit card with Macy 's.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, my information was stolen and used to open several accounts, including chase, and XXXX. I was informed of the theft by my bank  XXXX, monitoring my credit report. Thats when I found a XXXX card for {$9800.00}, and a {$4000.00}, XXXX  bill. I reported the identity theft to my local police department, and was given a case # for XXXX XXXX use informing the above companies, that I am in fact, a victim of identity theft. 

After a few months, XXXX sold the debt to XXXX XXXX, a company that buys bad debt, and then tries to collect the debt, using some questionable practices. I informed XXXX that this was happening, and they got XXXX to remove the derogatory item from my credit report. 

Unfortunately, chase bank services are another issue, after calling, and writing numerous letters, providing them with all the information I have, including the police report, with case number. They insist they account is verified, by virtue of Payment made in my name, unfortunately not by me, because i never received a bill, because i never opened the account, nor signed any documents from XXXX accepting their terms, and conditions
Product: Debt collection

I've never owed any debt but I kept receiving mail from a company called Portfolio Recovery Associates that says I owed money to them. The original creditor that they listed is " XXXX XXXX Bank '' which is an institution that I never dealt with and never heard of in my life. It's been several years and they kept sending it. They also listed " Seller '' as XXXX Bank, another bank that I never heard of and never had any account at.
Product: Checking or savings account

Since at least early XX/XX/XXXX Citibank has been making me go through extra and extensive security measures repeatedly and for no reason. I've always been able to eventually access the account because of a method they informed me of when I complained, but the excessive security checks still continue. I have no problem with any other website except XXXX XXXX which is not letting me make transfers and makes me go through extra security checks other than signing in which didn't stop after I signed for two-step verification. I filed an ICE report with the FBI in XXXX concerning problems with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, one of the three most important credit bureau handles sensitive and confidential information in an unsafe way for its consumers. 
They offer online services to upload documents and then do not answer for them what I consider misleading advertising to consumers. 
I have been disputing fraudulent information on my credit report and they do nothing, which has affected me directly. Several months ago I sent them the required documents and they say they have never received them. My question to them is where are my rights and where my personal information went to? They simply avoid the answer and ask to the consumer to repit the same process over and over without solving the issues.