23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I been receiving calls from   XXXX   XXXX   several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially  XX/XX/XXXX  I received a call from  XXXX  She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if  XXXX  would delete it from my credit file she went on saying it will be on my credit until  XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from  XXXX  in writing or any notifications on how to dispute this debt with them. I went to   XXXX    website located at https :   XXXX   I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want  XXXX  to stop calling me off of an automatic dial system such as " ROBO CALLS ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX, Equifax, XXXX  I NOTICED IN MY CREDIT REPORT ACCOUNTS IN MY EQUIFAX, XXXX, XXXX  CREDIT FILE THAT ARE INACCURATE AND I TREID TO REACH OUT TO THE TWO THE CREDIT BUREAS IF THEY CAN INVISTAGATE AND RESPOND TO BE WITHIN IN 30 DAYS. THEY HAVE NOT RESPONDED SINCE MY FIRST LETTER THAT I SENT CERTIFIED. ON XX/XX/2021. HERE ARE THE TRACKING NUMBERS. AND THEY WERE RECEIVED. XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PROVIDE A TIMELY RESPONSE TO THIS MATTER AS MY LIFE DEPENDS ON XXXX MY FAMILY IS COUNTING ON THIS.. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME
Product: Checking or savings account

Back last Tuesday ( XXXX-2018 ). XXXX XXXX was in contact with a what she thought was a company to help get her credit up to get a vehicle. So she was in contact with s lady and they got access to the mobile app on the account. they deposited a check and told XXXX XXXX to pull cash out and send back and it will help raise your credit. so she did. that's when i found out this happened and changed my accounts immediately and had new ones opened. USAA said they had there fraud department look into the issue and said that there was no fraud that happened. which is obviously wrong. XXXX XXXX filed a police report and that number is as follows : XXXX and was filed with XXXXXXXX XXXXXXXX PD. They told her that that was the second case this week and she filled that on monday. They have now told her to file it with XXXX county also.
Product: Debt collection

I have repeatedly reached to this company pertaining to my concerns of misused personal information due to identity theft. I have addressed associate accounts with XXXX XXXX and XXXXXXXX  who paid and was apologetic for their involvement. 
This is the second attempt to address this matter through cfpb. Now 100 % positive you guys are aware of the police report addressing identity theft, linked fraud protection, and frozen accounts. We can provide case numbers solidifying all info.
Product: Credit card or prepaid card

On XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), Discover ( {$720.00} ), XXXX  XXXX ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. 

On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. 

Please visit XXXX for all paperwork and full documentation regarding this matter. 

On XX/XX/XXXX I sent a letter to XXXX XXXX in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from XXXX XXXX stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her XXXX XXXX card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. 

On XX/XX/XXXX I sent a letter to Discover in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from Discover stating that my dispute was against my favor and considered this charge to be valid. 

Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of XXXX XXXX and Discover. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. 

As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. 

Thank you for your urgent help with matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX bill that I disputed quite a while back. I left XXXX sometime in XXXX after my divorce. They tried to bill me telling me that my contract " automatically renewed '' but I did NOT renew and had switched to XXXX XXXX XXXX. I fought the bill and they took it off my report. I thought this issue was settled but a few months ago saw it on my credit report again. I disputed the bill and had a phone call with someone and they said that my contract extended automatically but said my account was stopped in spring of XXXX. I got in XXXX XXXX and the bills say that it was recently opened in XXXX XXXX. I called XXXX and they don't even have a record for the bill but this collection agency is fraudulently trying to stick me with a bill I do not owe. Now, it says the debt won't fall off my credit report until XXXX. This has to be fraud! Copy of XXXX XXXX post : ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX creditor XXXX OpenedXX/XX/XXXX( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being hospitalized for XXXX XXXXXXXX in XX/XX/2020, I had missed a payment on my Capital One Credit Card. After making a call to customer service and a Goodwill letter to the CEO letting them know the issue after being discharged I was made clear that the last payment wouldnt not be added to the account. Upon further research of my credit, it shows on all 3 Credit bureaus the XX/XX/2020 missed payment. Section 4021 of the CARES Act temporarily amends a section of the FCRA, It states in the CARES Act one shouldn't be penalized if they asked for the relief.
Product: Credit reporting or other personal consumer reports

There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX XXXX  ) I do not have an agreement with XXXX XXXX XXXX XXXX  to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court
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 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 inaccurate. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I had a short sale on a mortgage in XX/XX/XXXX and my mortgage company is reporting to the credit bureaus that I am currently late on a mortgage to XXXX. They reported false information in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX There should be no changes reported since the date the mortgage settled in XXXX. It was reported as currently late again to XXXX in XX/XX/XXXX. Any lates should be removed, this was settled in XX/XX/XXXX per the attached. Stonegate acknowledged their error in the attached letter, yet I cant seem to get resolution.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by XXXX, XXXX, and TransUnion. Specifically, I demand the immediate removal of the following accounts : XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX dollars per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXX XXXX XXXX XXXX as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Please see attached - there is incorrect Personal Information on my Experian credit report that needs to be corrected as soon as possible.
Product: Credit reporting

I was a victim of identity theft in XXXX. I have sent Equifax proof of my ID theft including FTC ID theft affidavit, notarized, and a police report. Multiple times they just " verify '' the information on the accounts and refuse to block it per the law. The verification is not what I am asking. I am providing documents of my police report, affidavit and proof they have received these documents. I originally received notice of this ID theft due to a collection letter on XX/XX/XXXX, from PCS. They ceased collection once the ID theft documents were provided but Equifax still refuses to block the information as request. We are now going on 2 years of my time fighting this because they refuse to follow the law.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the item being disputed : XXXX XXXX which is a Student Loan which has never been past due but yet has been reported past due and impacted my credit score.
Product: Credit reporting or other personal consumer reports

These hard Inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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: Debt collection

On XX/XX/2016 I got approved for a sporting goods store 's credit card under the Bureau name : SYNCB/XXXX XXXX XXXX. They have put my credit for collection of {$710.00} of which their representative once called and made me pay almost half of that amount to settle the entire account. I specifically asked them if my account will be completely settled after that and they said yes it will be taken off your credit report. I paid them the amount and the collection charge off was never taken off my credit report and is hurting my credit score to this day. I am a student and I am really trying to build my credit back up. If this debt gets resolved I can move on and work on building my credit.

Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my possessions were stolen. My wallet with all my bank cards and phone were stolen. I called chase on XX/XX/XXXX and told them my cards have been stolen so they knew my cards were gone. When I got home from vacation on XX/XX/XXXX I went to get a new phone at XXXX  and finally accessed my accounts. Someone had got into my account and did a lot of transactions and chase reversed or denied them for the most part but theres XXXX over {$2000.00} in transactions ( {$300.00}, {$700.00}, {$1000.00} ) that they wont return and Im not sure why. I spoke to the person that denied it and she was very rude about it for some reason and said XXXX  you cant get back because its like cash same thing with XXXX XXXX but they refunded the XXXX XXXX transactions they made which doesnt make sense. She said well take it up with them have a nice day and hung up. I proved to them that I didnt have my phone, there was a bunch of other fraud which they returned but wont return my {$2000.00} in XXXX payments which came from my account that I already report as fraud but wont return it. It just makes no sense.
Product: Money transfer, virtual currency, or money service

A relative sent me money via Zelle from a XXXX My Zelle account was linked to my phone, and I received an confirming the transfer. However, after over 4 hours of phone support, including calls to Zelle, corporate phone support and an in-person branch visit, no one could tell me which checking account is linked to this Zelle profile They refused, citing either lack of information or privacy concerns. I deleted and reattached the connection to my actual account through the SMS link, but the branch confirmed that none of my accounts received the money.
Product: Credit reporting or other personal consumer reports

My issue is with XXXX, XXXX, and Experian with a student loan company, DeptOfEd/XXXX  in which each company reports 3 - 90 day lates as of XX/XX/2023. As this is untrue, I have been in deferment since I XXXX XXXX  school. How can I have that many 90 day lates. I reject and am offended by XXXX, XXXX, and Experian reporting this misinformation. This is keeping me from getting a mortgage and other credit. DeptOfEd/XXXX  has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, DeptOfEd/XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly, as should anyone any consumer any American.
Product: Debt collection

I received a call from a company that called themselves " Medical Revenue Service '' the man I spoke to gave me inconsistent information and told me that I needed to contact my bank to let them know that I allow them to take my money out of my account after I gave him my card information. This was a huge red flag. I did some research on the number/company and found a lot of complaints online, most people saying that they are a scam. I called back and requested a receipt either physical or electronic and was told that would take 21 days and that I need to send them a self addressed envelope with a stamp. I also asked if they ever mailed me a bill and he said they sent one yesterday XXXX/XXXX/16 and that I should get it soon. This was another red flag. I asked him if it was standard procedure to call a person multiple times before sending them a bill and he said it depended on the situation. He also had very little information for me when I asked how he received my information. Needless to say, after 2 phone call conversations, I realized this is most likely a scam and had to have my card replaced in order to avoid them falsely charging my card or stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some items still need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be REMOVED as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023