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

SENT BY EMAIL XX/XX/XXXX TO LEXIS NEXIS Re :! SUPAHOT! Re :! PLZ PROCESS ASAP! 4 days to block ( SINCE XX/XX/XXXX ) Now XX/XX/XXXX For XXXX XXXX ( XXXX ) XXXX XXXX XXXX  SINCE XXXX ) ( 1 ) CONSUMER # : XXXX CASE # : XXXX & ( 2 ) CONSUMER # XXXX CASE # XXXX They just keep generating new consumer ID numbers new case file numbers to keep creating their own XXXX storm behind-the-scenes so clearly with them not updating my report not even placing a consumer statement on it. Theyre confirming exactly what Ive said. Its a whole bunch of these stupid people, these companies internally stealing peoples information, having access to private information so much so updated addresses so they can order a hit for the persons head all kinds of stupid XXXX. You know where Identitytheft.gov spawn from people like Lexus Nexus experience, XXXX XXXX XXXX all of it so they can sit there and dangle the carrot and hold your life XXXX, because somebodys paying them to do that ( 3 ) XX/XX/XXXX CONSUMER # XXXX CASE NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? XXXX EMAILED XX/XX/XXXX | THEY ARE REFUSING TO DO THEIR JOB AS of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX? XXXX PW : XXXX ACTIVATE NOW PLEASE ADD : CONSUMER STATEMENT VICTIM OF ID THEFT, ID FRAUD & SECURITY FREEZE ( 1 ) TEXAS ATF.gov report XX/XX/XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 3 ) Texas XXXX XXXX XXXX report XXXX XX/XX/XXXX people refusing to do job XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( since XXXX ) XXXX XXXX XXXX to BLOCK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thru PRESENT TEXAS FBI TERRORISM AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OIG FRAUD WITH XXXX & XXXX | XXXX, XXXX, XXXX & US DEPT OF EDUCATION | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | BITCOIN & ALL CRYPTOCURRENCIES XXXX XXXX XXXX XXXX These people clearly think they live on another planet XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX They do need to explain all these damages. It has to be identity theft this is my website that I dedicated to put all this together for the entire planet so that way they can see just how XXXX people really are. 


BLOCK ALL FROM XXXX to PRESENT including XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | US DEPT OF EDUCATION | XXXX Studet loans XXXX XXXX XXXX? XXXX I have provided this information countless times Ive uploaded it countless times Ive done everything countless times and they still refuse to do their job
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates.
Product: Student loan

College Assist contracts with the XXXX XXXX XXXX , XXXX ( XXXX ), for the collection of outstanding student loans. Apparently, College Assist does not screen its contractors, nor does it maintain any quality control over its contractor 's work. 

Recently I received a letter from XXXX stating that it was attempting to collect {$58.00} on an outstanding student loan that it claims I have with College Assist. The correspondence indicated that I could dispute the alleged debt, which I did. 

On XXXX XXXX, 2016, XXXX responded to the dispute with a letter stating that it was attaching " additional documents related to your account. '' When I reviewed the documents, it became apparent that XXXX mixed up my documents with that of another borrower, and that XXXX gave me documents that contained that borrower 's personal identifying information, including social security number, driver 's license number, date of birth, and financial history. Due to the sensitive nature of the documents received, I will not attach them to this complaint, but will provide them only in response to follow-up communication with this Bureau. 

Because my documents were not included in the correspondence, and because it appears that XXXX intentionally/recklessly sent personal identifying information to the wrong person, I can only assume that XXXX also provided my documents, containing my personal identifying information, to another person not authorized to receive it. Such behavior demonstrates that lack of any quality control on the part of XXXX and upon College Assists in the supervision of its contactors.
Product: Credit card or prepaid card

I called Citi-Cards today XX/XX/20, and asked them if they had any special programs for people that have just lost their jobs due to the Coronavirus Pandemic. I am presently without a job due to this. 

I was told that the only option I had was they could probably lower the monthly payment for three month 's and in addition to this the account would be closed. No other programs available. 

I do not want to close this account, I just want a fair treatment for this unexpected situation I am going through. Citibank did not offer any other option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my credit report saying I owed Columbia Debt Recovery {$7200.00} in collections debt. This claim is wrong and I have reported the claim as fraud to the company and in order for them to process my request, they said I needed to file an FTC complaint and then have it notarized.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking to verify as accurate. 
( XXXX  ; Account Name ; XXXX )
Product: Debt collection

I received a voice mail on XXXX/XXXX/15 and XXXX/XXXX/15 from XXXX XXXX with XXXX XXXX XXXX stating that they will file charges on me and take me to court if I did n't respond within 72 hours related to a debt they supposed to have bought and it is now in their office. I have not responded to these calls because I don not live in XXXX County where they are supposedly filing a suit. I do not know what they are talking about because I have not received any notifications from these people via mail.I believe these people are scam artists or at least using illegal tactics trying to get money. When I looked up the number for the caller ; I see they used to be XXXX also NE Processing.
Product: Credit reporting

I first contacted equifax by phone to dispute several inquiries on my credit report and I was n't allowes to dispute the inquiries by phone. I was told I could dispute them online or in writing. I disputed them online and the investigation was completed the same day. I was told that the inquiries were factual. The inquiries on my rwport werw not the result of any request made by me. They did not investigate my dispute. I also contacted the creditors to have them removed and they directed to request the inquiries be removed by the credit reporting agency. Tge inquiries are affecting my credit standing. I understand that inquiries that I initiate will remain on the report. I only want tbe ones that were not initiated by me removed. 
Thank you and I wiuld appreciate assistance in this matter.
Product: Credit card or prepaid card

I ordered a sofa from pottery barn & was offered their store card at time, I accepted however months later when sofa still unavailable I cancelled the order in XXXX, and I was told I was given full credit. Pottery Barn then changed their credit card company to Capital One two months after I was told I was issued full credit, however pottery Barn failed to have issued the full credit properly and left a {$250.00} shipping charge on my account, which was transferred to Capital One. I never knew of the balance they mistakenly left in my account, I never knew Capital One took over their store card, until I went to apply for car loan that XXXX, and my score had decreased by 150 points! Pottery Barn finally acknowledged their mistake, credited me for shipping charge I never owed, and I asked capital One to remove late payment report they refused! When I disputed Capital One reporting me late with bureaus cap one responded the account satisfied however, they refuse to report I was never late and balance was never owed! I have called, written, begged Capital one to report correctly and remove the late notice and they refuse, saying it wasnt their mistake! This one late payment still reporting against me is devastating to my credit score, and is not true! I cant have been late paying a balance that I did not owe,, to a credit card company I never knew took over their accounts, and that I was never invoiced from! Capital One even refuses to give me the account number they set up without my knowledge, so I could file this complaint! I have tried for over a year, and Capital One refuses to send me a letter confirming my payment was not late, they refuse to report correctly to the bureau, its costing me a fortune in interest charges any time I apply for something, and have been declined for new credit due to their reporting that I paid the account I knew nothing about, late! This should be against the law that they are not required to be truthful in reporting and are causing me such harm!
Product: Credit reporting or other personal consumer reports

Someone has created an Experian account using my information.

When attempting to register for an account, I receive a prompt titled " Keep your account secure '', which then attempts to text a code or email a code to a phone number and email address I do not have access to and have never had access to.

I have called multiple times asking about this issue navigating various automated responses, been put on hold through multiple transfers, and been promised the issue was " being looked at '' more than 30 days ago.

Someone is likely committing fraudulent activity, or at the very least has full access to my financial information within Experian 's credit platform, and Experian has been no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wrongly believes a tax lien #  XXXX  from the  State  of Michigan for {$3800.00} on my credit report belongs to me when really it wa s ( w rongly, but that 's another story ) issued to my deceased grandfather.     I submitted a dispute with Equifax on  XXXX   XXXX     2017  that was essentially denied when they " verified the information ''. I had other disputes with  XXXX   XXXX  and   XXXX   that both went positively and they have removed the item.     I have a copy of the lien, a copy of both my and his license, and his social security card. I would be glad to verify any information as soon as possible.     Thank you
Product: Debt collection

I went into XXXX  to retrieve my internet equipment and was stopped by a salesman who stated I can get a free phone I said I dont want it but he insisted he said I only had to pay {$14.00} dollars for a phone number and the phone would be free so I paid the XXXX dollars and got the phone then I started receiving messages saying I owe this amount I contacted them several times and I went to drop the phone off I then received something on my credit and which I contacted them again and they removed it but it was put back on my credit they said I didnt drop it off I said I did so I dont understand because of there mishap my credit has negative remarks when this is their problem
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DOES NOT REMOVE THESE CREDIT CHECKS FROM MY HISTORY. I ALREADY SENT THEM REQUESTS FOR UNAUTHORIZED REVIEWS AND THEY HAVE NOT REMOVED THEM.

XX/XX/2022	XXXX XXXX	
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX		


XX/XX/2022	XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX		


XX/XX/2022	XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

XXXX XXXX  app charged my chime account for {$350.00} on XX/XX/2023. I was supposed to rent a vehicle from them for a week. I was told that my account was on hold due to XXXX  issues so I did not get to keep the vehicle. I owed XXXX  {$58.00}, but my full {$350.00} deposit was still withheld. XXXX told me my bank received it back but chime keeps telling me XXXX  has it. It has not been almost 2 months.
Product: Debt collection

This company Afni , Inc. XXXX. XXXX XXXX XXXX, IL XXXX. They are a debt collection co. They are trying to collect for XXXX XXXX. The Creditor Acc # XXXX. 
The Afni, inc, acc # XXXX. 
I submitted a receipt of pay-n-full to all three credit bureaus and they deleted this account for the amount of {$650.00}. I just received this collection notice on XX/XX/XXXX. I believe they are trying miss up my credit report that I have been trying to build up for the last 6 years. Also, this debt was paid Date : XXXX. I pray that you can get them to leave me along.
Product: Student loan

After reading about the CFPB lawsuit against Navient, I believe I am victim to some of the alleged misdeeds by Navient. First, I was denied a cosigner release despite having a household income above $ XXXX. Second, I have been unemployed and without income as a XXXX since XXXX 2016, and Navient did not inform me of an income-based repayment option ; I was ushered into forbearance for the past year. The private loans are set to come out of forbearance in XXXX with a year 's worth of interest accrued.
Product: Debt collection

I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Pallisade Collection are actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a Palisades Collection who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible. 
Consent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

These garnishees need to be stopped. They are at over double the statue of limitaions in NY State. There is no verification or proof of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account.I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are violating my consumer rights according to the FCRA I am requesting th method of verification of the following accounts 15 USC 1681a ( e ) states that a consumer reporting agency investigates something it is known as investigative consumer report. I am demanding a deletion I gave them 15 days to respond and I requested exact names and they failed to provide me with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. Capital One has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is FRAUD. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on Capital One for making false claims. Capital One knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked XXXX, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to Capital One because I give my social every time because again I had no idea of this account, Ive never had a Capital One account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with XXXX. Capital One isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.
Product: Money transfer, virtual currency, or money service

I was just sending money to a friend of mine from XX/XX/XXXX to XX/XX/XXXX of 2021. I sent my friend XXXX XXXX, then suddenly, XXXX says that I used their service in a questionable manner even though it is not. I gave them the information they needed to verify that I made the transactions. They asked for my current and bank statement address and told me to state what I did with their service. 

After few days, they said that they will permanently limit my account as they found potential risks on it even though there are none. Also saying that my money within the app will be able for withdraw after 180 days, which is not acceptable because I did not anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not updating my on my auto loan showing my principal is decreasing which in prohibited by FCRA the information theyre reporting is not my true balance. My true balance is XXXX as XX/XX/2019 and my credit bureau report is reporting XXXX which that was my loan balance way back XX/XX/2019. This company is neglecting to report true and accurate updates to my report which is unethical and prohibited by law. When I called they told me that they update monthly but no remedy has been giving to resolve my complaint
Product: Debt collection

I applied for a loan and was denied due to a collection I was unaware of. I called the apartment complex, XXXX XXXX  XXXXXXXX, and talked to the property manager on XX/XX/. They sent me an itemized final statement in the amount of {$760.00}. I asked how to resolve the debt and remove it from my credit report and they notified me that they had sold the debt to a collections agency. I contacted the collections agency and they said I owed {$3700.00}. I had asked the agent where they got that number and they could not provide me with an answer. I had sent the itemized bill from the property manager to the collections agent and the collections agent said they would scan it in and update the amount owed. I received an email from the collections agency on XX/XX/XXXX with an itemized bill and a termination fee of {$3000.00}. The collections agency added charges that were not on the final statement from the apartment complex. They had also added interest charges, none of which were included in my leasing agreement. The collections company charges and not consistent with the final bill verified by the property manager through the apartment complex.