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

What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer 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 of a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number, ( XXXX ), another personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$830.00} that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit card

citi card was charging me a phone payment besides the auto pay every month with out my authorization. I had no knowledge of the phone payment. When I contacted them they did not provide a clear response to the issue.
Product: Mortgage

The XXXX came into the office on XXXX/XXXX/15 we called Santander the mortgage company talked to XXXX XXXX told her what was going on and they needed and wanted to keep the family home looking at the file I do see it works She email me the package to have filled out and sent back we started when they were here and over the next few days got the complete package in on XXXX/XXXX/15 she said the file is already assigned to XXXX XXXX on XXXX/XXXX/15 they got a sale date of XXXX/XXXX/15 posted on the house and on XXXX/XXXX/15 XXXX XXXX called and said there is now a sale date a not enough time to look at this file so the Investor said let it go to sale. 
I said that is 24 DAYS ( well sir we do n't know or ca n't control these investors. ) THE INVESTOR IS ALSO SANTANDER BANK N.A. on this file I did leave 3 messages for her supervisor XXXX XXXX she did call me back and leave message for me the 1st time I missed it but with no info or return again. 
This guy works XXXX here in XXXX 20 years XXXX kids home value is only XXXX what they owe rate 6.625 % 20 years been paying on this loan for 10 years unable to refinance becouse the value is only XXXX to XXXX today we have done the right things here just fallen behind and needs help been doing XXXX XXXX XXXX XXXX for 3 years to pay credit off did not file BK but could and will it come to that to save his home but has worked so hard not to do BK THEY JUST NEED HELP SAVING THERE HOME. 
PLEASE HELP!!!!
Product: Debt collection

Credence Resource Management is a scam business based in another country - not in XXXX like they advertise. They are reporting a debt from XXXX XXXX XXXX XXXX  for {$1300.00} and its ruining my credit. I havent been a customer of XXXX XXXX XXXX in almost 20 years. I tried working with them but they always say theyre transferring you to another department but the call never reaches the correct department. The representative always says that there is no one available to take your call. He/she says this every time. The debit is invalid and not mine but they just keep reporting it. Their sister company, XXXX XXXX XXXX, does the same thing except with XXXX XXXX. All of the reviews are horrendous and talk about how both companies frequently scam consumers using cellphone company debts. Please stop this. They are really doing harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. 

Attached highlighted in yellow is inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 filed dispute with XXXX  because account number XXXX is reporting inaccurate payment history does not match with other credit bureau 's amount XXXX $
Product: Credit reporting or other personal consumer reports

My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.
Product: Debt collection

I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of XXXX XXXX. 

XXXX XXXX representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of PHEAA ( Pennsylvania Higher Education Assistance Agency ) who owned the Identity Theft Federal Student Loan.

PHEAA has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. PHEAA continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. 

I informed the XXXX  XXXX representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent XXXX XXXX a copy of the FTC identity theft report and addendum documents required. 

On both occasions, XXXX XXXX representatives informed me that this will negatively affect my credit.
Product: Credit card

I applied to Chase credit card and received in the mail about identity theft. I have since called chase customer service, went into branch to send in documents including my id and ssn and called and followed up with security department at chase credit card. Each time, they can not verify my identity and the chase system seems to be unable to send me a text. However, the phone number is my own, and all the information I submitted are my own. The chase verification questions when the text does not work is completely irrelevant to me. I think the Chase fraud detection is mistreating my profile and resulting in Chase unable to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not giving Equifax consent to furnish accounts on my consumer report, Equifax is invading my right to privacy, and they are not adhering to 15 USC 1681a ( 3 & 4 ) and 15USC 1681B2.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I applied for a loan my bank contacted me and said that there was a freeze on report with Experian. I first tried to call and I was directed to there web site. I have an account so I logged in follow the steps to remove the freeze. After completing I get a message that says something went wrong and to call XXXX number. I called the number it is an automated service I give the info they ask for and follow the props. and it just goes on and on no matter what I select in the end it hangs up with no resolution. So I tried to email several time with same results they want me to call a XXXX number that I have called. I need to speak to a person to get this issue resolved. There lack of response is a big problem for me not being able to get a loan
Product: Credit reporting or other personal consumer reports

I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Product: Debt collection

-i answered their filing with a request they contact me at the correct address -continued contacting someone at another residence despite being told to stop -they waited too long to take action on my response
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend to disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I placed an order with XXXX and paid with Klarna on XX/XX/year>. I contacted XXXX to check on my order on XX/XX/year> and they have no record of the purchase. I contacted Klarna and they claim to have paid XXXX already. I sent all proof of payment/order to XXXX but they have no order. I requested to cancel this order with Klarna for refund and they are failing to provide me with requested information in a timely manner. I paid $ XXXX and they are unable to tell me where my order is and said they can not provide a refund until XXXX confirms there is no order. I have provided them with correspondence from XXXX showing they do not have an order for me. I have requested a Klarna supervisor XXXX times and they have yet to provide XXXX. On XXXX I was told Id be refunded in 2 days. Now are saying it can take 21 days for an update so they have $ XXXX of my money with no update or assistance and a non existent order with the merchant.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX acct : # XXXX, prior XXXX took loan out interest rate:31.876 % :  credit life insurance : {$19.00} ; personal property ins. {$32.00} amount financedXXXX.never requested life insurance that only covered the loan, and {$19.00} was taken monthly, with a termination date of insurance on XXXX.I then reported the high interest rate to consumer protection and then management, XXXX XXXX, reduce the interest rate to 19.945 % on a bill from XX/XX/XXXX, that was {$1400.00}, since XX/XX/XXXX, I only paid {$700.00} into my debt, and the rest went to Interest? Please investigate! I am a Widow of an American Veteran, a single senior citizen, I believe in a higher power that I have to answer to! But I am become vulnerable to the con-artistes in XXXX County! I had gotten behind in my payment due to homelessness that was done deliberately by XXXX XXXX, a 33  year XXXX XXXX I had a work-at-home job, that he sabotage, by burning his condo down and XXXX  his girlfriends 2 cats! I thought the property Insurance at Regional Finance would help me, but it did not! They did not help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on Transunion.

2 ) All ( 24 hard inquiries ) on XXXX  3 ) All hard inquiries on XXXX
Product: Payday loan, title loan, or personal loan

I applied for a line of credit with Netcredit in XXXX and first payment was due XXXX XXXX in which I didnt know I thought it was month payment like the rep stated when I called and asked about payments I was told before getting approved a rep would call big payments are monthly None of thsgg to happened everything that was told to me was incorrect website misleading I asked numerous of times are the sure about payments stated yes I have been calling Netcredit everyday since then I get hung up on called names XXXX n hold for hours cursed out again I sent emails reps calls and its the same thing when I told them I didnt want the loan still charged {$230.00} plus company stated I couldnt return had to make payments I tried to make first payment company place me on hold never answered then late fees are {$130.00} every 2weeks I told managers reps lead reps what happened all they say is sorry you shouldnt have got the loan but all this info is not known until after funding.company wont give me info n payment my login info is shut down seems like I was a predator
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquires on my report I didnt give me consent to use my info. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked up my name on the Internet, I found that some of my personal data was being used without my consent, and I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before contacting roughly XXXX different websites to have my information removed. I felt violated because I respect my privacy, and I also felt ashamed since I had to ask to have my items taken. I want those accounts to be terminated and fixed since I found unapproved, fraudulent accounts on my report. Remove any false and derogatory accounts from my credit report. My capacity to get credit has suffered as a result of this. I'm taking all the necessary steps.
Product: Student loan

Just about 9 years ago i underwent " training '' in the field of the XXXX. I was psyched about pursuing a career in XXXX, and til '' this day i feel as though i was scammed out of my money. 
After " graduating '' i found myself w/ no job placement assistance and no guidance from staff / counselors on how to improve my resume / reel for a better chance at succeeding. 
The equipment was outdated, the instructors ( XXXX XXXX ) to be precise, was also quite antiquated in his teachings, and was n't quite moving w/ the speed of technology. Most of his experience was with older models, so it was hard to go out on the field and not know all the glits & gadgets that were used in " today 's time/ '' Much of the XXXX equipment we used, was n't comparable to that of the equipment real XXXX were using, so it was a challenge to navigate through an " on the spot '' test when i was out interviewing. 
Even while attending school, my classmates and i heard complaints about the school, but we were so eager to get " our foot in the door '' that we pushed through. 
i '' ve kept in contact with almost everyone in my graduating class, and out of all of us, only XXXX person is actively in the field, employed & successful. 
Luckily for the rest of us, we were able to find other promising jobs in other fields, but i know i am not alone when i say i feel scammed by this school. 
I struggled with job stability, and with no help form XXXX XXXX, i found myself unable to pay my loan back. This has affected my credit drastically, and i am still working hard to build it. I must admit that i 've made little attempts at getting my student loan account in good standing, primarily because i am just now finding stability in my life, and so many other things were put in front of this. 
I owe more now, than i did when i first got the loan out, because my interest rate is through the roof. 
I would n't recommend this school to anyone, and honestly, i am one to give everything an honest chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit at XXXX XXXX XXXXXXXX. This was not me I do not bank with XXXX 

I have called many times trying to get this fixed and each person says its not their department and transfer me and it never ends. Last person said to reach out to the credit bureau to get this fixed. 

Please help and stop that application and remove the ding to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents as the personal information you are reporting is NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a XXXX party or a Credit Repair Agency. 

I just reviewed my credit report and there are some Hard Inquiries that I did not recognize or authorize. Please delete these Hard inquiries from my Credit Report. I have already filed an identitytheft report and attached it to this complaint. Here are the hard inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have old information on my credit report with all the agencies. XXXX and Transunion sent me a copy of my credit report and it still has the same old information on it. Loans I paid off and they will not remove. I asked for this to be removed as well as old incorrect information like addresses, and employment info. This has not been done. XXXX just haven't sent me anything. Every time I go on the website it still has old and incorrect information after I sent certified letters to them to please remove. Now I have to dispute this again because these Bureaus will not remove this information. It's old and it's paid off years ago but they are claiming it still needs to be on my credit report. Why? This just doesn't make since. Now I am going to have to fight to get them to remove my school information because that was discharge and I have the discharge letter to prove it but they are not going to remove that either. I am trying to buy a house all of this unnecessary information that is on my credit report needs to be removed. I paid the old bills/loans off so why does old loans need to still be on my credit report from years ago when they are paid in full and closed due to then being paid off. On my XXXX report this what is reads ( THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED WITH NO LATE PAYMENTS. THIS CREDITOR IS CURRENTLY REPORTING XXXX BALANCE ) So why does this need to stay on my credit report. this should deleted. It's an old loan I got in 2019. I have a lot that says in the above quote on a lot of my old loans. They need to be deleted it paid in full. I have three outstanding loans so they can be on my report not the old ones i am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
The following companies whom have not sent me proof of contract from original collector providing proof of debt are CENTRAL PORTFOLIO CONTRO, XXXX XXXX XXXX XXXX XXXX XXXX Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.