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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr background check suggests that I have lived in XXXX tho I have never lived in any state other than XXXX XXXX, or XXXX
Product: Debt collection

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Product: Mortgage

I have a mortgage with PennyMac and my monthly payment is {$3000.00} my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX, and my name is XXXX XXXX, my phone number is XXXX, e-mail address XXXX On Saturday XX/XX/2018 I received my monthly statement and my XXXX payment was not posted, so today Monday XX/XX/2018 at XXXX XXXX I called PennyMac and I spoke with XXXX to check why my XXXX payment was not posted she said that PennyMac received my XXXX payment after XX/XX/XXXX, I explained to her that I pay through my bank account online every month and I was never late before and if she can give me credit for the late fee of {$89.00} she put me in hold for long time and when she came back on the phone she said that she will not give me the credit, I told her that it is my bank fault and I would like to speak to her manager then she put me on hold again for long time and then I spoke to XXXX the supervisor and she also refuse to give me credit for the late charge which it is my first time with the PennyMac to be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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 has violated my rights. 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

I have repeatedly been called by people representing Navy Federal Credit Union ( XXXX ) -XXXX. I was called multiple times in regards to two separate people on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. On Three occasions I have spoken to XXXX and XXXX ( shift supervisor ) and today I spoke with Mr. XXXX. Me XXXX said I would continue to receive calls because of the skip services they use to find members. I have repeatedly asked for my phone number to be removed and for all calls from them to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 years ago I was informed by Florida DMV that my personal information has been compromised. The details of the situation are that I apply for a HazMat endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as late.
Product: Money transfer, virtual currency, or money service

I send money yo XXXX to my self and i never got the money but the bank say that i collect the money when is not true i use a company name worldremilty to send the money and the bank where i was send the money say that i collect the money but is not true because they say the money was collet at XXXX XXXX of XX/XX/2023 when is not true because the transantion was a XXXX is note posible because at that time the transantion it was not made yet that proof that the receit is not real. With these i give the right to consumerfinance to do what they need to do to get my money back thank XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXXL XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 ONEMAIN XX/XX/2019 XXXX  XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report
Product: Credit card

Capitol One credit card didn't have appropriate or additional dispute actions so I put down cancellation of subscription, I canceled my yearly subscription with XXXX XXXX months prior to the auto-renewal date within my profile page and didn't think to screen shot the at least XXXX pages they make you go through to cancel, so I had no digital proof. This was my initial dispute with Capitol One with XXXX XXXX  I also raised a verbal dispute because they wouldn't allow another dispute or for the XXXX XXXX to be amended to include breach of contract was NOT an option. XXXX XXXX  contract states under renewal that XXXX XXXX  would notify clients of their auto-renewal date subscription, which they did NOT. I forwarded the XXXX XXXX XXXX to Capitol one and the supervisor said their was nothing they could do, because this wasn't an option for a dispute. I was charged XXXX on XX/XX/year> for another year of service that I don't use.. I believe the renewal statement is in bold print on page XXXX of XXXX XXXX XXXX..Please help
Product: Credit reporting or other personal consumer reports

I have an inquiry from XXXX XXXX  showing on my credit report that i did not authorize nor have knowledge of the company. I request that it be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc . ) due to inadequate costumer service and unfair practices, which violate the consumer financial protection Act ( CFPA ) Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account & info vulnerable and unprotected.Futhermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union / XXXX XXXX has failed to provide verification of this. I don't even have a account number of this said debt. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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: Debt collection

XXXX  company keeps calling me not my debt they have been advised of yhis on a number of occaions but keep calling me.
Product: Credit card or prepaid card

i received an advertisement for purchases at 0 % interest via my personal email in XXXX of this year, XXXX, on my Existing c.card, ending in XXXX. 
subsequently i made a {$12000.00} purchase on that card. 
however, much to my surprise i discovered last month that us bank is and has been charge me 26 % interest on that purchase. that amounts to approximately $ XXXX in interest. 
i contacted us bank but they have stated that the 0 % interest was only on a New c. card. however the ad states differently. it states i can use it on my card ending in XXXX, which is my Existing c.card. 
regards XXXX XXXX
Product: Credit card

I got pick pocket out of the United States and lost all of my cards and military IDs, I called every company to let them know of the incident most of the companies have refunded funds that was taking from me. Now my issue is with capital one, they gave me credit for the missing funds and then this lady called me and to, d me that I have to take responsibility as well and they reversed the funds which now put my account in a big negative balance that is completely unfair from them and I 've been a long time customer with no issues ever and now they 're blaming me for being robbed how can a company do that.
Product: Debt collection

continuously send me debt collection emails for a debt that is way beyond the statue of limitations. I have disputed it and asked them to stop and they still continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/XXXXhave been reporting ID THEFT ALTERED PERSONAL DATA STEM INTO MY SONS IDENTITY XX/XX/XXXX, XXXX INVESTMENT mass mutual variable ASSOCIATES XXXX TEXAS TAKEN 50/50 SPLIT.
FORGED XX/XX/XXXXFROM XXXX XXXX XXXX XXXX FRAUD BY SALE AND TRADE. XX/XX/XXXX XXXX XXXX XXXX XXXX BY TEXT CYBER RAPE. FCC RELEASED MY TV TO XXXX XXXX. 86 AM 16. 86. My reports and complaint began XX/XX/XXXX. My statute ended XX/XX/XXXX .XXXX  constantly changing altering my info. Hard inquiries constant with out my permission. Have 4or more person using my SSN Exact matches. XXXX XXXX XXXX Aka XXXX XXXX XXXX  XXXX XXXX XXXX aka XXXX XXXX. XXXX XXXX XXXX.
XXXX XXXX fraud add XXXX XXXX XXXX XXXX Texas.
XX/XX/XXXX XXXX two. Imy registered business XXXX XXXX XXXX XXXX CA. Sector insurance. XXXX XXXX XXXX XXXX XXXX AMUSEMENT.
IN MY CASE STUDY CRINES AGAIBST ME DISCOVERED ABUNDANCE ALTERED FORGED DEEDS CO.-CC RECORDING XXXX, XXXX, XXXX, XXXX  XXXX CAD! /TCAD POI : Brokers. XXXX XXXX XXXX AKA. AJ. XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX.AND XXXX ( XXXX ) Poi : XXXX XXXX. Or XXXX XXXX XXXX. Co worker goodwill Ind. XXXX Discover a fake financial with my SSN personal info. To this day Credit agencies says 1free a year XXXX not access online Deception with XXXX XXXX XXXX.
Paid purchase XXXX  one week later started double billing. Key holder To my stock apparently extremely equity extreme of violation occurs.
On XX/XX/XXXX - XX/XX/XXXX submission reports all federal state city corruption o
Product: Debt collection

I sent a letter to Caine & Weiner requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Caine & Weiner is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I have been a victim of a data breach, and these entries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I have a mortgage with Citizen 's Bank for a vacation home in XXXX XXXX New Jersey. Taxes are paid there quarterly. Citizen 's is escrowing for taxes and not paying them. I called the XXXX XXXX tax office XXXX on XX/XX/2020 and was told Citizen 's Bank needed to submit a bank code. I spoke with XXXX at Citizen 's Bank tax office XXXX and was told it was under review. I called XXXX XXXX at XXXX tax office on XX/XX/2020. He said they had not received a bank code from Citizen 's Bank still. Called CB again on XX/XX/XXXX and was told they still hadn't paid taxes. I ended up paying the third quarter tax bill myself. Now my fourth quarter tax bill is due XX/XX/XXXX and CB still has not paid the bill and said they have an extension which is untrue. They have 10 day grace period but they don't even acknowledge receiving the tax bill which I uploaded to them on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have filed disputes on various incorrect accounts on my credit through Experian yet they continue to show incorrect information that is negatively affecting my credit. 


1 ) I have a {$380000.00} loan through XXXX XXXX XXXX with the account number XXXX. This account has never been late and it is also completely paid off in full. Experian is claiming that I have been late on the account which is false as it is on autopay and the balance of {$380000.00} was paid in full already. This account has no balance and I own my home outright and I WAS NEVER LATE on ANY PAYMENTS on this account. If Experian is incorrect about me even having this loan, how can they be trusted to reflect whether or not I was on-time or behind on payments? 

I demand they remove all late payments in regards to this account and show this account as fully paid off. 

2 ) I have a secured loan through XXXXXXXX XXXX and XXXX with the account number XXXX that is showing as paid, close and {$32000.00} written off. I have no knowledge of this account as the only account with XXXX I have is a mortage on an apartment complex. I have asked Experian and XXXX to provide me with written documentation showing this account and that was never provided to me. 

I demand Experian to remove this account off my credit profile entirely. 


3 ) I also have numerous false inquiries on my credit. I am currently out of the country and these inquires are not mine and I demand they be removed off my credit. 

XXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was inquired on XX/XX/XXXXXXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXl which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was inquired on XX/XX/XXXX XXXX XXXX XXXX  which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was incquired on XXXX  Experian Business Credit which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX which was inquired oXXXX XXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXXXXXX XXXXXXXX which was inquired on XX/XX/XXXX All of the above are not known to my knowledge and I demand they be removed. 


The only valid inquiry on my credit should be : XXXXXXXX XXXX XXXX  which was inquired on XX/XX/XXXX
Product: Debt collection

In XXXX I was the victim of a hacking into my XXXX account. This caused a bill of {$650.00} to be created. When it showed up on my credit card due to automatic payment, I immediately disputed it with XXXX XXXX XXXX. Something occurred and it was an error and XXXX never received or properly processed this. As a result on four occasions since then collection agencies to try to obtain the money that was never owed from me. I have contacted XXXX when I could because XXXX was unhelpful when they merged or the collection agency. Most recently in XX/XX/XXXX, the Jefferson capital debt collection group tried once more. I called them and explained to them exactly what happened and they said that they would cancel the debt. This did not happen a negative collection mark which put on my Credit file and despite disputing it with all three credit bureaus, one of the credit bureaus still has it On my file until XXXX. I do believe that that is not unfair but illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did have to lift the freeze on my credit report earlier this month. The handling of that effort was detailed in an earlier complaint. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX This is a separate complaint. 

On XX/XX/XXXX, I received a letter in the mail from Equifax stating that they had processed my request and the credit freeze was lifted between XX/XX/XXXX and XXXX. 

The first point I'd like to make is that these letters are not sent in a timely manner. The last ones arrived after the freeze had already been reinstated. 

However, more importantly, I did not request a freeze be lifted between these dates. I don't know where this request came from and when I called the company today all they would tell me was that I called them and requested it. Even after I assured them I did not. No one can give me any explanation for this. 

This company is extremely aggravating to deal with. Its one thing to establish that the person calling is who they say. It is another to ask vague questions such as " did you ever have a consumer loan and if so what was the monthly payment '' " Did you ever have a closed store account '' as the basis of establishing your identity. They also apparently don't like that my credit union where my auto loan is identifies itself by initials. I'm annoyed with the amount of time I've had to spend on the phone in the past month due to their processes. I'm also annoyed that the employees can state that you failed to establish your identity even though you provided them with the correct answers to the questions they asked. And now they are telling me that I requested a freeze be lifted that I am 100 % certain that I did not. If this agency had a stellar reputation that would be one thing. But they do not. And they hold way too much power over people to handle their customer service the way that they do. 

I would like to know how a credit lift was placed on my file when I did not request it,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX keeps stating information is verified as accurate. I want Experian and XXXX to send the Method of Verification, who did they verify Bankruptcy with, I want name of person spoken with, address, phone number, agency and where did they SPECIFICALLY get verification information according to the FCRA guidelines. They are not being truthful. Can they provide a statement of penalty of perjury they followed FCRA guidelines to verify information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested a security freeze be placed on my credit profile.