23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied for a PPP loan thru XXXX XXXX XXXX like three years ago when covid was new. Scratch, and XXXXXXXX XXXX approved my loan, but sent it to some random persons bank account. XXXX  and Scratch do not and have never had a system in place to account for mistakes, or even to help their own customers. Ive been calling for three years trying to reach them and tell them what theyre doing, via telephone and email and they most I can get out of them ( if their customer service line even answers your phone call at all ) is " oh we'll pass your issue up to someone and they'll reach out to you ''. Three years later and after hundreds of attempts to reach out and get help from XXXX, scratch, the sba, all they'll say is " we'll have someone reach out to you '' and I never hear from anyone again. Now they're sending me emails saying I owe them XXXX for a loan I was never issued. THREE YEARS. XXXXXXXX XXXX needs to be shut down. it is a scam service that will take your money and give you no avenues of reprisal. even their website where it has a button to say " does this loan information look correct? '' if you click on it it says to call their toll free number that is not in service XXXX. please help get this trash company away from me.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I notice that XXXX cent had been transferred out of my account to another by using XXXX! I call PNC bank to tell them about it, they said they would investigate, across they said I did it after I told them my email has been compromised on the dark web! With that being said my email is hook to XXXX and my bank account! I change my password like they said! But just got a letter saying its my fault, how is PNC able to investigate XXXX when they one of the owners! This is fraud alway around and PNC is involved in a class action lawsuit because of XXXX! Not right Im getting a lawyer involved, I did not transfer no money to this person! If anyone no how they can help me my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of housing states I received a loan for XXXX.on XXXX XXXX I paid off my home in XX/XX/XXXX  I did not make or apply for a loan I would like this to be removed from my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. I had identity theft. Someone got this loan in my name. Was reported late. Remove from all credit bureaus.

Here 's the police report number XXXX XXXX City Police
Product: Debt collection

I have already contacted the original creditor and informed them of the identity fraud that I have been dealing with. Im not sure why this company is maliciously trying to collect a debt that isnt owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As already documented my identity has been compromised inwhich the aftermath has affected my credit file with unauthorized accounts. The following accounts are not mines. I'm now demanding them to be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX  {$700.00} XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Good Afternoon and how r u Cfpb & Westlake Financial Managers! I'm not sure exactly who to take this to, but it's been more than 6-7 months that i been trying to resolve this matter and everyone has failed to look into this and investigate it. I haven't received anything that proves the method of an investigation but yet there is a wrong balance on this account and finally today I got hold of someone that help me get to the bottom of it. As you can see the attachment, i talked to XXXX today and settled the account and he said that within the next few weeks, they will remove this tradeline from my 3 credit reporting agencies ; XXXX  and XXXX  and XXXX. I'm not liable for this account, but yet it continues to report incomplete, inaccurate, erroneous information on my credit. It's basically unverifiable and this can not be reported as such, It's my understanding that under the consumer laws that account needs to be reported as accurately as possible, and verifiable. This is not accurate!!! There are different dates of last open, questionable balance, high balance than actual balance, 1st dates of delinquency is incorrect and different dates of last active and payment, etc.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to investigate the disputed account, Since I believed that the Experian Credit Bureau didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the Experian CREDIT BUREAU investigation was done improperly, the Experian Credit Bureau must update or remove the listed account from my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

Checked on line to make a payment on my Chase cards only yo find out they decreased my line on the one by over {$4000.00} and the other by {$2000.00}, Chase Freedom and XXXX respectively. Did NOT get ANY type of notice whatsoever. Contacted Chase, they stated I have too much credit usage, my credit cards are paid off except for two which I had to use because my wallet got stolen along with my checkbook and debit card so I had to use my credit cards til things got straightened out. I plan on paying those cards off. They also commented about what I have going out, they have NO IDEA what my income is. I have NO problems paying bills. I'm a travel nurse and they would be surprised what I make. They violated the Truth in Lending Act and I demand they restore my credit lines to what they were. Not only that, my credit report us locked. How did they get my info without my permission????
Product: Credit card or prepaid card

In XX/XX/XXXX, I spoke with a representative regarding an offer for a reduce in my interest on my credit card with Capital One due to loss of job due to Covid-19. The representative did not make me aware that it will restrict the used of my card. I spoke with Supervisor XXXX back in XX/XX/XXXX stated if I make 3 months of my payments on time that my card will be turn back and the restriction off my card. I have made payments over {$3000.00} since XX/XX/XXXX over the minimum payment and XX/XX/XXXX payment for {$380.00} on XX/XX/XXXX. I spoke with Supervisor XXXX she stated that the restriction will not be lifted until 14 days after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states that I have the rights to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 US CS 1666B. A creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose
Product: Debt collection

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has violated my rights. 
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
Product: Credit card or prepaid card

I am being charged for items I return. I was promised a refund in the amount of {$1700.00}, {$820.00} and {$420.00}. I never got my refund.
Product: Debt collection

Credit card already charge off. Collection agency threat because sue but unable to show me copy of contract I sign.
Product: Credit card

Each month I go on my fifth third on-line payment portal to pay my current credit card statement balance. As a matter of practice, I always pay the full indicated statement balance to avoid interest charges. During the last two billing cycles I have been charged interest, even though I paid the full statement balance as indicated on the portal. In each instance I was paying after the 3rd of the month, which is when the monthly statements are posted, and in each instance I paid before the indicated due date. 

I called fifth third, explained what happened, and related that I had screenshots of the transactions. In the first two attempts I was told the representatives could not access my accounts ( I was later told that I had called too early, and needed to call back later ). I called again later, and after several jumps up the cue to a supervisor, I was told, again, that I didn't pay the full statement balance. I attempted twice to email them my screen shots indicating that I had paid the statement balance indicated on their portal, but in each instance the supervisor told me she didn't get the emails. Each time, I confirmed with her that I was using the correct email address. 

During our 'conversations ', the supervisor told me that regardless, they could not forgive the interest charges. According to her, the statement amount that I paid on the portal was not the amount on the statement. How can fifth third 's card billing be so faulty that the payment portal lists a statement due amount that differs from the statement amount listed on the bill ( I went back to compare the e-bill statement amount to the portal statement amount to find that, in fact, they don't match. This has never happened in 10+ years of paying the statement amount using the fifth third on-line payment portal. How can it be legal, or defensible, or proper, or not a fraud, or a trap, to list a lower due amount on the payment portal than that listed on the e-bill, and how would a consumer 'understand ' which one to give credence to in advance? 

This smacks of nothing than a change in billing practices constructed to generate income by deceiving consumers. I want the interest removed, and the practice corrected, and for fifth third to review credit customers to identify any others who have been trapped by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I instantly called your department the moment I received the copy of my report that I purchased with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that Lanier Collection Agecy is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Lanier Collection Agency received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.
Product: Credit card or prepaid card

sear card close my account when in fact I have documents payments has been made I sent the two showing the payment has been piad and the reported it using another names the same account and refused to give credit for payment made
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts from XXXX that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list XXXX  ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to XXXX, but they continue to harass me!
Product: Debt collection

I dont know who these people are sending what seems to be scam letter. They used several names to represent themselves. Very deceptive and misleading. The lack of transparency is definitely a red flag. See attached.
Product: Credit card or prepaid card

XX/XX/XXXX Wells Fargo discontinued carrying " secured '' credit cards, which I am a customer of. According to customer service agent this past XX/XX/XXXX, I was mailed a check XX/XX/XXXX in the amount of the " secured '' card ( {$300.00} ). Well, over one year later, every time I contact them, all they can do for me is open a " case '' to have someone eventually review, inform, and still not mail me {$300.00}. My accounts are now passed due, credit has been ruined, and they now tell me " good luck. '' I'm homeless now, and it feels like when I go into a branch, they look at me like I'm crazy for asking for my money. I'm so shattered inside by this type of treatment. Sad, just sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report I have an inaccurate account listed under XXXX # XXXX. I believe this account is recorded in-error due to XXXX XXXX XXXX XXXX policy and/or United States XXXX Regulation on Seperation and Discharge. You can not separate from XXXX XXXX military with an open credit/debt when such debt would be inappropriate and unmanageable by the servicemember or a government agency. You are required to have proof of receipt the account is PAID IN FULL or you will be extended in your time and service until the account is paid, per military regulations, this record makes me the ONE EXCEPTION to XXXX XXXX XXXX Policy and the XXXX Regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : XXXX, XXXX XXXX XXXX, has violated my rights. 
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 an account without my written instructions. 

This account is fraudulent account and i never open an account with this company.
Product: Debt collection

Enhanced recovery Coll is trying to collect a debt i do not owe them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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
Product: Consumer Loan

I have no knowledge of the said debt and would like it removed as its reporting to the credit bureau as an open account and is negatively affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it is d isplaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent account listed below from my credit report. As a victim of a data breach, I did not authorize this account, and it does not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Account XXXX - XXXX - XX/XX/year> - {$7700.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting the deletion of account XXXX XXXX XXXX XXXX from my credit report as this account was sold and now reporting as XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX ). You are also reporting different balances when this is the same account. Please remove both accounts due to double jeopardy and incorrect reporting. Account XXXX was written off XXXX, and account XXXX was opened XX/XX/23 making this the same account obviously just sold and yet you are reporting different balances. How does this meet FCRA/FDCPA? I will take all parties to small claims court for negligence and violations of consumer laws if this account is not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advantus llc inquired 2 different occasions. I have never inquired with this company. 
One date is XX/XX/2018. I did not apply with this company. Another date is XX/XX/2018. I did not apply with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] Trans Union LLC Subject : Request for Removal of Hard Inquiry Dear Sir/Madam, I am writing to formally request the removal of a hard inquiry that was made on my credit report. The inquiry was made by XXXX XXXX, and I believe this inquiry was either unauthorized or made in error. 

The details of the inquiry are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I kindly ask you to review this inquiry, and, if possible, remove it from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies, and I believe that this inquiry may not meet the required criteria for inclusion on my credit file.

Please notify me in writing of the status of this request and any actions taken as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have multiple inquiries from XXXX XXXX XXXX  I didnt give XXXX XXXX XXXX  XXXX consent for inquiries. I have disputed the inquiries and ovXXXX XXXX XXXXeted reports from XXXX XXXX was removed, due to these deceptive tactics I have been financially unable and stressed. I now noticed that these are violations under the FDCPA and XXXX XXXX is legally obligated to pay for violations. Like I said I have over 20 and Im putting yall on notice so we can have this matter taken care of. Also I received a report from a new debt collector stating I owed a debt of {$510.00} and I learned XXXX XXXX XXXX  sold them my information without any consent another illegal tactic this company has made against me.