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

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XXXX XXXX XXXX Dear XXXX, XXXX, and Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 *15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates.

the report by more than seven years.

**15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED... 

Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX XXXX NOTE : Valid FTC REPORT ATTACHED, drivers license and social security card
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a course with XXXX XXXX  on XX/XX/year>. Before enrolling, I asked the counselor if I could use the course as a stepping stone towards transitioning into program management, and he assured me that I could. Interview XXXX  had a program listed on their website for those interested in transitioning to a XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) role. However, after signing up, I realized that the course was focused solely on XXXX, and I would need to pay for a separate Interview XXXX  course for the XXXX  track. This was despite the fact that I had clearly communicated my goals to the counselor.

Additionally, a few days later, I received news that I would be moving out of state, so I contacted Interview XXXX  on XX/XX/year>, to request the cancellation of my registration. They directed me to reach out to Affirm ( the loan provider ), but Affirm informed me that it was up to Interview XXXX  to handle the cancellation. I tried to follow up with Interview XXXX  again, but they did not provide a resolution. 

Affirm has since been harassing me about paying the loan for this course that I did not take, and they are now threatening to report it as delinquent.
Product: Credit reporting or other personal consumer reports

APPILED FOR CREDIT GOT DENIED CREDIT WHICH I HAVE THE RIGHT TO CREDIT BY LAW AND I AM QUILFIED FOR CREDIT THEY VERIFIED MY CREDIT SCORE SO WHY WAS I DENIED CREDIT, DISCRIMINATION IS THE RESULT OF THE FAILURE WHICH IS CLIVIL LIABILITY
Product: Credit card

I am specifically requesting a tax statement or written confirmation that the debt associated with this XXXX XXXX XXXX. account # XXXX has been written off. Additionally, I would like to receive any supporting documentation related to the charge-off, including the official date of the charge-off and details about the subsequent resolution and reporting. BUT FAIL TO DUE SO. Please provide the requested information through the credit reporting agency 's secure online portal. If there are any specific forms or procedures required to process this request, kindly provide guidance on how I can complete the necessary steps. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. If there are any fees associated with obtaining this information, please inform me in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX on XXXX I have a XXXX  day late payment. I was in boot-camp at the time and had the payment scheduled. XXXX Card Services my credit reports do not match for XXXXXXXX XXXX 2023 through XXXX XXXX  2024. XXXX Bank my credit reports say i'm paying as agreed and delinquent XXXX  days. XXXX XXXX XXXX has a collection on some but not the other credit reports with inconsistent numbers.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the late opening of my account. Despite my initial attempts to rectify this issue, I am disappointed to find that the problem persists.

I appreciate the efforts made thus far to address this issue, but it is essential that the matter be resolved promptly and definitively. I kindly request that you expedite the process of opening my account and provide me with a timeline for when I can expect this matter to be resolved.

Furthermore, I would appreciate any measures taken to prevent similar incidents from occurring in the future, as repeated delays could adversely affect my confidence in your company 's services.

Please acknowledge receipt of this letter and provide me with an update on the progress of resolving the late opening of my account. With this, I am asking for your assisstance to correct this late open accout in my credit file : XXXX XXXX XXXX Balance : {$390000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

all the big companys got XXXX listed differant i just want them to show same info
Product: Credit reporting or other personal consumer reports

On My credit report there is a XXXX  account a XXXX XXXX account and a XXXX XXXX XXXX  account on my report all which happened as a result of identity theft. i submitted an FTC complaint to the three major credit bureaus Experian XXXX and XXXX XXXX in or around XXXX of XXXX  along with a police report of the actual crime. The information was not removed from my credit report. Please have them remove the fraudulent accounts from my report immediately. Thank you
Product: Debt collection

I sent Credit Service Company a dispute letter for XXXX accounts that they have reported on my credit report. The disputes were sent out XX/XX/2022. I asked for documentation that I am entitled to ask for and they have not complied with the whole list.
Product: Credit card

Yesterday ( XX/XX/year> ) I received an email from Capital One asking me to verify my information to complete registration for a Capital One QuicksilverOne credit card by sending them " my XXXX most recent consecutive bank statements, my XXXX most recent consecutive pay stubs or earnings statements and my XXXX and/or Form XXXX from the most recent tax year. '' I've never used Capital One and I've never had a credit card. I also received an email from XXXX saying that there was a new installment loan inquiry on my credit report. I looked into my account and saw that there was a pending inquiry for Capital One. I tried to call Capital One this morning, but they said I didn't have an account attached to my name or social security number. I asked them about the application number that was on the email they sent me and they said that only the application department could check on that, so I have to wait until they're open to talk to them. I've yet to call XXXX, but I'm planning on it today. 

I believe that this could've happened because of my run-in with a scammer a few months ago. 

Around the end of XXXX, someone on XXXX messaged me pretending to be a secondary account for someone I knew and they asked if I could help them " get back into their main account. '' I gave them my phone number because they claimed that it was the only way I could get them the help they needed. From there, they messaged my number and asked me to give them codes that I was being sent from XXXX and XXXX, they claimed that this was only related to their situation and had nothing to do with my account. 
From there, they logged me out, changed the email address associated with my account, and asked everyone in my direct messages for money. I was able to regain the account with the " request help from friends '' feature. Near the begining of every month since then, XXXX suspended that account for trying to scam people but I was usually able to get back into it after verifying the account with a video of myself. Unfortunately, the account was permanently taken down a couple weeks ago because of this incident, I don't know why my appeal didn't work this time. 

I believe the hacker was somehow able to create a clone of my phone to get all my information off of it, or at the least, found a way to get a hold of my SMS message history which is the only place I've ever mentioned my social security number. 

Since the initial XXXX hacking situation, I've changed my phone number, factory reset that phone, and switched to a new one ( because of unrelated problems with the battery. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has XXXX employees to answer questions via phone or via chat and they are dealing with our financial information! If I am being forced to use this company they should be forced to have employees man the phones. I had a freeze put on my credit due to a data breach by a large company many years ago. I do not remember my pin, I did the online retrieve you pin and it said I need to mail in required documents. I called to see if I could have it reset, no answer and message said to see the website, and the website says mail-in documents. I also tried old echat email and I got auto-reply to call in and you see how that went. I tried to remove this before and gave up but now I need it removed so I can buy a home but at this point, the home will be sold before Experian thinks about processing my request. They have an area where you can upload document but you can't use that portal for freezes! This company is the worst!!! Remove my freeze and I'll check prior to doing business with a company that they do not use Experian as their primary agency.
Product: Credit card

A year ago I financed a small purchase ( about {$430.00} ) through XXXX for interest free for XXXX months. I paid the bill every month through auto-pay through my bank account. The payment was due on the XXXX and was sent by the bank without me actually physically sending it. I get a letter recently saying a payment was not made. I call them to figure what was happening and the person says I have been charged interest because payments were received late. Every month for 12 months they have received payment on either the XXXX or XXXX of every month. 

The company is now trying to charge me over {$300.00} in interest and fees. They said it is their policy to charge interest and fees even if it is 24 hours " late '' because that is the contract I signed. This is strong arming the consumer into paying undue interest and late fees. There should be a grace period, and 24 hours or less is a reprehensible act of consumer fraud. This policy should be reviewed and not allowed. I will not pay almost XXXX % of the original charge in interest/fees. I have near perfect credit, and have never heard of a company that does n't give a grace period, especially when every single payment was received monthly and within the date. I have no control over when the bank sends it out on auto-pay, as a matter of fact I believed the payments were due on XX/XX/XXXX. This is predatory lending at its finest, and some protection is needed for the consumer. I will never do business of any kind with Synchrony Bank ( creditor on the account ). I will warn as many people as possible about this predatory lender.
Product: Credit card

I was recently divorced and assumed full liability for a joint Discover Card account that my ex-wife and I have. I am the petitioner and the divorce decree states that " The petitioner will assume and pay and hold the respondent harmless '' for the Discover Card and other joint debts. I called Discover to ask them to remove her from the account, which still has a balance and they refused. They offered to establish a new account in my name but they would not transfer the balance from the joint account. The balance is reported monthly to the credit bureaus for both my ex-wife and I, and thus it shows my former wife is liable for the balance when in fact she is not. How can this be acceptable under the Fair Credit Reporting Act where it requires creditors to report accurate information? If my ex-wife is legally not responsible for the debt, then why can Discover, and other creditors, continue to report it as such?
Product: Student loan

Since XX/XX/2023 I have been attempting to contact EdFinancial Services to enroll my account in automatic payments. There was a system switch and we had to create new logins, which I did and enrolled in automatic payments. The system continued to say that they received the request, but to this date they are not enrolled. I also tried enrolling several times since then, and several times today, to no avail. Their original site says that the loans previously on autopay will be enrolled automatically, but my statement that I received today states that I am not enrolled in autopay. Why can't I be enrolled in automatic payments? And why did I have to pay a {$61.00} charge that was DUE in XXXX when we are still in forbearance at this time? I need to be enrolled in autopay because of the 0.25 % discount on the loans and this company isn't helping me to obtain this. 

Additionally, I have no way of seeing my transaction history since acquiring my student loans. It is no longer on the previous site and I can't access anything on the new one. Additionally, the current transaction history on my account is incorrect. My employer has been sending {$50.00} a month toward my loans and the transaction history on EdFinancial 's new site states that there have only been several received. It skipped the entire summer 's contributions on the transaction history, let alone every single payment I've made up to the point of the website transfer. 

I can not contact anyone either. I have been desperately emailing and trying to chat with a representative but can not reach anyone and no one is responding to me, and I've emailed months ago for answers! I have been trying to search online if anyone had any solutions, and it seems that there are 5 hour long wait times for phone calls, the chats kick them out as well, and no one is responding to their emails either. I can not believe this has been happening. I had no issues before the website switch, and now it seems like no one cares. I always spoke so highly of EdFinancial and now it has gone downhill so drastically.
Product: Debt collection

In XXXX I was being harassed about an account I had no knowledge or applied for. XXXX acussed me of applying for an alarm security system. I have disputed false account and collection was removed from my credit report. XXXX used four different collection agencies and derogatory mark was removed findings as fraud. I submitted police report of fraud along with a copy of the application and bank account used for this account from XXXX to credit bureaus. Now, XX/XX/XXXX XXXX using Zions Debt Holdings to put the derogatory mark on my credit withXXXX. I am disputing again. On the application the heading is XXXX. I assumed XXXX is the new owner of XXXX. I did submit documents to the Office of Inspector General asking for help and/or suggestions to end this fraudulent application/contract that I AM NOT RESPONSIBLE FOR AND THIS IS NOT MY DEBT. I have contacted all collection agencies and submitted police reports and what XXXX sent me. I will send Zions Debt Holding the same documents proving this is NOT my debt. I requested an investigation on the agent name listed and signature in the documents but as of this day no response. I did followed up with collections agencies, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX only XXXX responded as case dismissed and fraud. Now Zions Debt Holdings, the fifth collection agency starting this fraud. I need help to end this fraudulent account to end completely. Please help methanks.
Product: Debt collection

In XX/XX/XXXX, I settled a debt in full, but by late XXXX, I began receiving fraudulent harassment calls regarding this account. I requested validation of the debt and asked for confirmation of its legitimacy ; instead, they sent me a statement from XX/XX/XXXX, followed by another dated XX/XX/XXXX. Upon receiving their initial communication, I verified every transaction and confirmed that the debt was indeed cleared. Nonetheless, the company continues to assert that I owe nearly {$500.00} and has reported negative information to all three major credit bureaus. 

Additionally, I discovered notifications from XXXX XXXX  in XX/XX/XXXX, regarding fraud alerts on my account, which I found listed on the dark web, yet there was no further communication or documentation sent to my residence. My payments to XXXX XXXX  were consistently set up for auto-pay, making it perplexing that a remaining balance exists. Furthermore, I question why XXXX XXXX  did not inform me of any outstanding balance prior to allegedly selling the debt to this collection agency.
Product: Credit reporting or other personal consumer reports

I noticed some errors on my credit report under 15 USC 1681c-2. The listed inquiries were made without my consent and are affecting my credit. Please remove all unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The very company ( Equifax ) that is supposed to be protecting my identity ... allowed my identity to be stolen!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX General Clothing Stores XX/XX/XXXX Yes XXXX XXXX National Credit Card Cos. 
XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes
Product: Credit card or prepaid card

I was told I would receive a new card in the mail, but it has not made it to me yet. XXXX XXXX XXXX. At XXXX XXXX XXXX XXXX. XXXX Illinois XXXX. The agent told me the card was blocked, on XX/XX/XXXX but it shows my balance of XXXX but I can't spend it in the store or cell phone. Can you help me with this problem. This is my card number XXXX XXXX XXXX XXXX. The expiration number is XX/XX/XXXX. I'd like a new card for the inconvience, my number is XXXX ( XXXX ) XXXX, and my email is XXXX I'd like you to contact me with a call preferably.
Product: Credit reporting or other personal consumer reports

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

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last reported in not accurate. This ground for removed they also violated my rights under 15 U.S.C1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states consumer reporting agency can not furnish account without my written instructions also the credit bureaus took more then 30 days to complete certified mail tracking #