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

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have been working with XXXX for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX XXXX XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and XXXX refused to work further on investigating. I have made multiple calls to XXXX, and they have been extremely unprofessional and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX, I add a hard inquiry on my credit report per XXXX.
Product: Mortgage

Hi, Property taxes were reduced drastically, company was contacted on XX/XX/XXXX in regards to Escrow Recalculation as a Refund was due to me and Escrow was overfunded. The Customer Care Team confirmed to me via writing that the next escrow analysis, based on my state, was scheduled for XX/XX/2022. I contacted Freedom Mortgage again in XXXX and they mentioned they would look into it. 

My name is XXXX XXXX, my XXXX # is XXXX with Freedom Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit recording act this creditor has violated my rights under 15USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Equifax that I am a victim of identity theft. In return Equifax said that they verified fraudulent accounts on on my credit report. Im would like to know how is that the fraudulent accounts were verified, when and what date. these accounts should not be on my credit report because I did not open or give permission for them to be open
Product: Payday loan, title loan, personal loan, or advance loan

Auto loan taken out from titlemax began in XXXX and continued into the current year of XXXX. The loan began at XXXX. After initialing asking for only XXXX the customer service representative signed me up for XXXX. The following payments were made to the company ( including the deceptive overcharge they send me every month ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These payments have continuously occurred. Interest has been the amount paid toward the balance and illegal fees that are continuous until they just stop and come get your vehicle. This has caused a dent in the way that I provide for my kids and consistent burden on my shoulders trying to keep up with payments and not get my vehicle taken. I never knew my interest was over 150 %. This is an outrage. The company still hasnt addressed the data breach with me and never sent me a notice. I have payment receipts in email and can print for proof.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX
Product: Debt collection

I was told i owe XXXX over medical bills that are not my responsibility at all. they claim i did it when i was underage around 16 years old now im XXXX trying to buy my first car and this is affecting my credit horribly how can they confuse this with me when i wasnt even legal ( 18 ) or know what its for. ni have two medical bills that i was never involved or responsible for the only thing that should be there is my XXXX XXXX and XXXX XXXX card
Product: Credit reporting or other personal consumer reports

The accounts that are not recognized are XXXX 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
Product: Credit reporting or other personal consumer reports

I am disputing this charge due to financial hardship caused by unforeseen circumstances during this period. I contracted an XXXX XXXX ( XXXX XXXX ) as a result of XXXX, which severely impacted my ability to meet financial obligations from XX/XX/year> to XX/XX/year>. Since then, I have paid and closed the account in full. I kindly request reconsideration or an adjustment to amend my credit score to reflect these extenuating circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from GM Financial that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that XXXX received all of the appropriate documents but they are still is reporting this information on my consumer report.
Product: Debt collection

XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX  company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.
Product: Credit card or prepaid card

I received a promotional offer from CitiAAdvantage that if I opened an account and charged {$3000.00} within the first 3 months I would receive XXXX award miles to my XXXX XXXX AAdvantage account. 

I charged the required {$3000.00} within the 90 day period, but never received the bonus miles. When I called the company to inquire when my Bonus miles would be credited, I was told I was ineligible to receive the XXXX bonus miles because I had a prior account, which was closed, within 24 months of opening this account. The company refused over the phone and sent a follow up notice stating they would not award the miles due to the previous ( long closed ) account. 

If I was ineligible for the bonus miles, the company should have advised me of that fact. Instead, they conducted a bait and switch by opening the account that I thought would earn XXXX bonus miles, only to tell me after I charged the required amount I was ineligible. This is patently false advertising.
Product: Debt collection

XX/XX/2024 - AmSher Collection Services contacted me through mail with a claim that I owe them and XXXX {$290.00} XX/XX/2024 - I contacted AmSher through phone to inform them I was not responsible for this collection XX/XX/2024 - After months without an update, I composed a letter to AmSher asking for more information
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit 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 XXXXL XXXX XXXX
Product: Credit card or prepaid card

I have had an Apple Card with Goldmans Sachs for about a year now during the Coronavirus crisis I used it as emergency funds to stay afloat and maxed it out. Recently I have gotten back on my feet and was able to pay it off over a total of {$5000.00} to get the balance to XXXX. 

XX/XX/22 - {$4000.00} payment XX/XX/22 - {$1300.00} payment Today is XX/XX/22 funds from the second payment were supposed to be released XX/XX/22. 

I have been contacting Apple Support everyday for a week now to no avail. 

Why am I having to wait to use my money when I have paid off all debt owed to get my balance back to XXXX. This is ridiculous and nobody is helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED Account XXXX an alleged XXXX WITH YOU. AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER ; THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

My mother ( active user on my account ) used my account to Zelle money to a scammer. She sent a total of {$1500.00}. This occurred on XX/XX/year> ( {$780.00} ) and XX/XX/year> ( {$780.00} ). I called XXXX bank to let them know I had been scammed and they told me there was nothing they could do about it. There was no need to verify anything prior to sending the Zelle payment.
Product: Debt collection

I have few hard inquiries on my credit report that's not mine and their affecting my credit. 

Capital One Auto Finance XX/XX/2021, XX/XX/2021, XX/XX/2021. 
XXXX XXXX XXXX XX/XX/2021.
Product: Prepaid card

I have an Amex Gift Card - {$50.00}. 
XXXX XX/XX/year> XXXX I have tried over XXXX places to use- XXXX XXXX XXXX XXXX gas, XXXX XXXX all major vendors It declines everytime And when I go to check balance every time after I try the card it decreases the value, so at current it says I have {$49.00} ... .but I can't use it anywhere
Product: Debt collection

On XX/XX/XXXX I recieved an alert from my bank 's credit monitoring that a delinquent account was added to my credit profile, Upon reviewing the information I did not recognize the company and called immediately. After talking to company I realized that my identity was stolen and used to obtain utility services from XXXX XXXX til XX/XX/XXXX.
Product: Debt collection

Dear LVNV Funding I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Checking or savings account

Someone opened an account with my name and email at Chime. When I called their fraud department and gave them the account number, name and email address they still wanted me to voluntarily give them my date of birth and last 4 of my social security number in order to talk about the account. When I refused to provide more personal information because this was opened fraudulently they did nothing and said they couldnt go further. XXXX is the name of the agent I spoke to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting or other personal consumer reports

This is regarding my previous complaints and identity theft case : ID FOR COMPLAINT SENT TO XXXX, ID FOR COMPLAINT SENT TO XXXX, ID FOR COMPLAINT SENT TO EXPERIANXXXX. According to the results given, the fraudulent accounts and inquiries were supposed to be deleted, but upon checking my credit reports, the fraud items are still somehow reporting. Could you please check and delete them completely from my reports? 

Here are the fraud accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. Delete these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC reports, dispute letters, and IDs for your reference
Product: Consumer Loan

Hi, Wow, where do I start? I took out an installment loan with a company called Speedy Cash to pay for registration for a new car after my old one was totaled. I was in a bad way, in a difficult job not making a living wage, and had just borrowed money from family to buy the car. I really needed the money, so I took the best deal that I could find. Bad move. 

My credit is n't great ( though it 's light years better than it was even a year ago ), so my loan options are less awesome. Paying Speedy Cash is fairly straightforward, but my issue is with their ACH authorization. 

I now know that I never should have signed that document. I understand that I have the right to revoke authorization, but their agreement stipulates that if I revoke authorization they 'll attempt to withdraw the full amount due for the loan from by bank account via preauthorized draft. I would like to revoke ACH authorization and pay monthly on agreeable terms, but that provision makes revoking authorization impossible. 

I understand that I agreed to this and that there are consequences to that, but still, it seems that this is n't a great situation to be in. I do n't know if you folks can help me, but I sure hope so. 

-XXXX
Product: Debt collection

I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts you are reporting.Please fully validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. 

1. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$790.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$3000.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$1100.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have made several attempts with NCC Business services to have a collection account removed from my credit report. They total me the original creditor has to request it removed. In doing my investigation the original co XXXX XXXX never reported to the credit bureau or NCC. The issue is that the account was for an apartment and the account was then added or another person to the account for they were the actual resident. The judgement on XX/XX/2016 made by the judge was granted against the other party and not me. I have sent this company several request asking for them to remove this from my credit report. I even sent them the court disposition, I am getting no assistance in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX - reporting inaccurate information and has been of no help. 
NCC Business Services XXXX, Fl -not doing an indebt investigation - regardless of having the court disposition
Product: Credit reporting or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX 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

Wh en trying to contract a vehicle through my credit via my signature and social security number. I stated clearly the this is a consumer credit transaction, no loan is needed when using credit My signature ( from the natural living man ) via 15 USC 1602 ( i ) creates the credit. I expressed this verbally to the finance manager yet here we are with multiple searches of my social # for a loan that I didn't ask for or apply for various Financial institutions on XX/XX/XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. Then again on XX/XX/XXXX with XXXX in XXXX and finally several more times at XXXX XXXX XXXX XXXX on XX/XX/XXXX. All of the dealerships mentioned in the complaint were instructed not to search for an auto loan. The were instructed to utilize the credit acknowledged by the social security number. It is impossible to get a loan when there is no legal currency in circulation since 1933 ( HJR 192 ). The is only debt or credit, via HJR 192 I expressed these truths for reasoning of a credit transaction not an auto loan approval transaction. There were multiple inquiries on the same day in a malicious attempt to coheres me into paying with credit and cash for the same vehicle which is Fraud in the inducement.
Product: Payday loan, title loan, personal loan, or advance loan

This companys interest rate is astronomical and predatory, do not borrow from them. They take advantage of those in need and take so much in interest its impossible to pay the loan off. These companies are predatory and should not be allowed to be in business.