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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a debt validation dispute with experian for accountsXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX to send proof & original contract that I owe a debt I have not received no proof but my credit report was verified and updated whenever I asked what proof I get no response or documentation, I'm asked that these accounts be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft & did not make these charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

This company is using a game platform to promote their products using XXXX XXXX on the app platform to redirect to their web page even after wait times of over XXXX seconds.
Product: Debt collection

PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission PORTFOLIO RC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX ADDRESS XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to Equifax that these accounts are fraudulent accounts. I have provided all requested documents but these account remain on my report. Please delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XX/XX/XXXX I was a victim of fraud to my Navy Federal Checking Account in the amount of around {$970.00} ( I don't have the exact amount in front of me ). The fraudulent charges were made at a XXXX in XXXX, XXXX. I reside in XXXX  and have never been to XXXX, XXXX. Furthermore, I was in XXXX at the time and my transaction history confirms that I was out of the country at the time. I had my bank card in my possession at the time in XXXX and have never authorized any use of any other person. 
Unfortunately, despite appealing 3 times Navy Federal has determined no fraud could be found despite my even sending them confirmation of my physical GPS location of being in XXXX and my transaction history, XXXX and flight records. 
This has led to an avalanche of financial issues including over draft fees. I have never had an opportunity to discuss how they came to this decision or advised what information that could be provided that would be favorable. 
I was granted special approval to appeal this week XX/XX/XXXX, however was again denied to have my funds restored. I don't understand how this is not fraud considering even the transaction history of the fraud which was multiple charges of {$100.00} or less in rapid succession adding up to the $ XXXX amount.
Product: Debt collection

Experian CFBP and Fair credit has fail to investigate my complaints when this organization was put in place to protect public and assist the public and is during nothing I am a paying member to Experian you reach any one on the phone nor have they investigated my complaint, but want me to renew my membership no way in in hell is the going to happen when they support the company 's wrong during
Product: Debt collection

I am adding more documentation to a current complaint. The attached document further details line by line the payments I made to the center for children that was never credited to the ledger. Further, there are payments noted, however not recorded. The ledger attached has my payments, the billings and then the total amount the attorney billed me in full which was {$3000.00} on page 10 of the attached XXXX XXXX document billing statement. I paid that in full based on my payments that were recorded. The billing statement is vague, ambiguous and there is nothing to show for the billing 's validity. It is just a bill with nothing to prove it is legitemate. Further, I paid my portion of the billed debt. Lastly, there is a court action that dismissed this attorney on XX/XX/14. There was no valid or legal billings allowed after that date. 
This debt was purchased by Southwest Collections and is a third party debt. It is illegal and action needs to be taken to get it off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing here in order to elaborate on a prior complaint, # XXXX, made directly to CFPB over the phone on XX/XX/2022 because the original issue is not resolved. Please refer to the initial complaint, as well as my letter to XXXX Dispute Department dated XX/XX/2022 for clarity. 

While carefully monitoring my credit activity with XXXX XXXX and through other means, I noticed a Hard Inquiry made on my XXXX records on XX/XX/2022 by Barclays which alarmed me because I did not recognize it as mine, nor did I have any prior affiliation with this Bank. I thus called XXXX and they referred me directly to Barclays, whom I called. 

When I spoke to Barclays, they transferred me to their Security Team who informed me the inquiry came from a Store Credit Card filed at Old Navy. I then recalled dashing into an Old Navy at a shopping center I was at for other purposes during a heat wave in order to buy a few light weight t-shirts. I have not regularly shopped at Old Navy in years and had no real use for their store card since I do now have major credit cards I typically use. 

I reached out again to Barclay 's Security Team and informed a supervisor there I had not authorized a hard inquiry upon checking out with a very pleasant cashier at XXXX XXXX, who must have assured me it was a " soft pull '' when I asked. A Hard inquiry, particularly at that point in time, I knew would not have been helpful to my goal of reestablishing a good credit score which I had been diligently working towards for a while since I had had no credit history for years. I thus emphasized to the supervisor that if I had authorized anything, it would have only been after I was assured it was a soft pull. The woman I spoke with then said they are not responsible for what the Cashiers at XXXX XXXX say. 

I then got back in touch with XXXX since the Hard Inquiry recorded at that point in time was NOT a reflection of my current credit worthiness, nor of my own experience using credit. They then referred me to the FTC regarding this ; when I called them I was prompted to the CFPB because my issue is a financial or credit card related matter. 

I am still requesting that this Hard Inquiry be deleted from XXXX 's record since I was given misinformation at the time it was made. I am also suggesting that cashiers checking out customers who offer a store card make it clear that they are filing an application backed by a major bank and also understand the distinction between a Hard Inquiry and a " soft pull '' when they are trained so this does not adversely effect other consumers going forward. 

Thank you for your attention to this matter. I hope my issue can finally be resolved.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Checking or savings account

On Tuesday XX/XX/year>, my employer XXXX XXXX XXXX XXXX XXXX inadvertently wired {$6000.00} to my Capital One account. Capital One closed my checking account several months ago and there was a negative balance of {$37.00}. I called Capital One once I realized the mistake and asked for a transfer to my active checking account and was even willing to pay the transfer fee. Capital One denied this request, said they had to contact the investigator to officially close the account and then they could do an electronic transfer. They provided no timeline as to when the account would be closed and I would receive that transfer. Case number was provided in previous screen of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I an currently in a transaction to close on a commercial property. I have recently ( XX/XX/XXXX ) requested for several paid off or closed accounts to be removed from my credit report. OnXX/XX/XXXX I checked my credit report with Transunion and XXXX and my Transunion Report showed XXXX scoring while XXXX showed XXXX. Once the request to remove the closed accounts came back showing a XXXX balance but changing the late days from 180 days to 120 days my score on XX/XX/XXXX went down to ( Transunion XXXX and XXXX   XXXX ). Once I discovered this detrimental drop I contacted both bureaus and the Supervisor of Consumer Relations and Fraud department - XXXX from Transunion in XXXX says they can not tell what has changed the score and would not help me discover nor correct the issue. The rep before her even went on to say that she saw that my " XXXX XXXX XXXX account was not charged off but was at a " XXXX '' balance. They both well confirmed that they could see that the said " XXXX XXXX XXXX account as well as the XXXX account for student loans had been paid off since XXXX but was reporting on my credit report. 
XXXX ( Rep ID of XXXX ) the Dispute Dpt. Supervisor asked me to verify all of my information such as ( SSN, Name, Address, D.O.B ) and once I verified my information correctly went on to say that she would not help me unless I sent in my photo ID and SS Card by fax and they would not retrieve the information for another 5 business days. The rep before her ( XXXX ) asked for the same info then asked me questions then stated I was not able to answer his questions before I asked to speak to a supervisor. Due to the negligence of both bureaus I have not gotten any further in my quest to correct any incorrect reporting and redeem my credit score therefore this issue may cause me to lose the opportunity to close on my commercial property and leave me no choice but to sue. Please help me rectify this issue with both bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC bank is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

At XXXX today I received a text from XXXX notifying me of a change on my credit report that I should look into. This is the free service provided by Equifax as a result of their huge security breach. The web page for log in does not load. The equifax website itself has no working contact info. No phone, just a chat box that does not work either. My browser is fully updated. This is outrageous that Equifax is still allowed to operate without consequence in this manner. I want your agency to fix this problem.
Product: Student loan

KHESLC is telling me, that my account doesnt qualify for the student loan interest waiver due to COVID 19. My loaned are not FFEL loans, they are federal loans ( they were taken out prior to 2010, but still federal loans ). KHESLC states they arent eligible. How is this possible, the interest rate should absolutely be waived for The duration of the period outlined in the COVID stimulus bill. My account # is XXXX. My name is XXXX XXXX XXXX. Please assist.
Product: Student loan

XX/XX/XXXX, XXXX sent a message to MOHELA asking that my recertification date be pushed back one year, as per the department of education guidance that says recertification within the first six months of payments restarting would be pushed back a year. Based on the letter I received in XX/XX/XXXX stating a XX/XX/XXXX recertification deadline AND a XX/XX/XXXX anniversary date in my student data download. 

XX/XX/XXXX, XXXX submitted a complaint to XXXX XX/XX/XXXX, XXXX I received communication from MOHELA that my question could only be addressed by phone. 

XX/XX/XXXX, XXXX attempted to call MOHELA for a resolution. The first agent told me my date was XX/XX/XXXX and should be pushed back. She connected me to another agent who said that all previous communication was correct ( I have a letter that says my recertification date is XX/XX/XXXX ). The agent then said that my date was changed to XX/XX/XXXX based on information from the Department of Education. She also said the information from XXXX document wasnt correct because they werent my loan servicer. 

On XX/XX/XXXX, I tried to update my FSA Complaint to the Ombudsman via the web, but this option is no longer available. I tried to do this via phone, and after getting through the phone tree, they said they were experiencing a high call volume and hung up.
Product: Credit reporting or other personal consumer reports

Reported Identity theft. the account is reporting to my credit as XXXX XXXX XXXX XXXX Account open on XX/XX/XXXX Closed XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting

Equifax refuses to remove erroneous information from my credit report. They said I can put a statement. But whats so funny is the company reporting the information XXXX, XXXX is out of business and they refuse to give me their phone number.
Product: Checking or savings account

WELLS FARGO : On XX/XX/2022 someone tried to charge {$470.00} and I was contacted as fraud I said yes and they declined charge. then on the same day someone made a {$390.00} charge and {$120.00}. Both to stores in the XXXX. As I didnt have enough money they pulled from overdraft protection. As I got charged international charges they took more from over draft. My entire checking was drained and a chunk of my savings was pulled. No one contacted me about suspected fraud. I got an alert my acct hit XXXX balance. I looked and called and reported fraud. They issued a temp credit. After 30 days of Investigation I received a letter that says they had proof the charges were made by me and took the money back {$510.00}. I looked into companies. One was a furniture store in XXXX. I obviously didnt buy furniture in XXXX to deliver to the US as I live in Florida XXXX The other charge was for high end bags and shoes. My most expensive shoes are my vans. I dont carry a purse. I am XXXX. I get paychecks of about XXXX every other week. Losing over {$500.00} means I cant pay rent or eat. This is ridiculous based on the location of the stores and the items they sell. I have not seen the proof but I have requested it.
Product: Credit reporting or other personal consumer reports

Experian are reporting still wrong account on my credit report after a already file e complaint against them Delete these accounts...
Product: Credit reporting or other personal consumer reports

My student loan accounts, account number ( s ) : XXXX with the balances of : 1. {$1100.00} 2. {$1200.00} 3. {$4000.00} 4. {$1600.00} are showing " closed '' status. They should reflect an " open '' " payed as agrees '' or and " payments do not begin until XX/XX/year>. '' I am currently in school and these loans should reflect active status. TransUnion is inaccurately reporting my student loan accounts. I have attached my experian credit report as it up to date and shows what TransUnion should be reporting.
Product: Debt collection

In XX/XX/XXXX I was treated for XXXX XXXX at XXXX XXXX. I received one bill  for this visit from XXXX. It has been determined that this bill was paid. However, I still discovered that a collection of {$590.00} from this vist was put on my account on XX/XX/XXXX. I did not pay this because I believed I already had. Later on, I disputed this collection because I believed this debt was paid on XX/XX/XXXX. However, on XX/XX/XXXX I was informed by Puget Sound Collections that this was a separate bill from a XXXX XXXX XXXX XXXX, not the XXXX XXXX. The Collection agency claims to have sent a notice to me to XXXX XXXX XXXX in XXXX, WA. However, I am completely unsure of where they got this address from. At the time of this hospital visit, I was living in XXXX, WA which I had been since XXXX, XXXX. This can be seen through my personal information from the hospital and an addition to a lease agreement. The XXXX XXXX  was able to have my address, because they sent my a bill and it was paid. I did move shorlty after this visit, but it was not to a XXXX XXXX . You can see I moved out of XXXX in XX/XX/XXXX. I moved to XXXX, WA but our mail was forwarded to XXXX XXXX XXXX. Again, I do not know where XXXX XXXX XXXX came from, but it was not the correct address to reach me at and it is not right that this is negatively affecting my credit when I did not have the opportunity to pay this in a timely manner. I did not provide this address and it is not an mailing address connected to me.