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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of Auto Financing Companies XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. Another fraudulent inquiry, consist of XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I was out of work at the time because of XXXX XXXX. I was even homeless at the time me and my family. I told the company bout everything that was going on with me. So i try to talk to them bout what was going on with the vehicle. The XXXX converter was mess up and the vehicle had no heat. It was winter and we was in a snow storm with my family in a frozen vehicle move from hotel to hotel. They told me its nothing can do bout it i had to take it up with the car dealership but they was scam artist because they lost the company because of all of the complaints that was sent to them from other people. So i had no other choice but to give up the vehicle because i couldn't pay no more on it. So i choice to let it go because i had to provide for my family to get a home over our head. I really do thank them for help me get a vehicle and im sorry for let it go but my family come first before a vehicle. I just want it to be remove from credit. I understand it was a loan but people do go through hard times and i did go through hard times but XXXX help me to get back on my feet and back to work. I just want to start over with everything. I have even i report them to better business Bureau about the vehicle. If i can get a one time payment offer that isnt to high for me to get off and them off my back.
Product: Mortgage

My homestaed property loctaed at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX was in forceclosure and taken away on XX/XX/2012 I was never aware of this the bank of Bank of America and XXXX XXXX never contacted me to inform me of this situation. I would of gladly worked with these banks and I would of never lost my property that I worked so hard to obtain my homestead property. I never received any documents that the above mentioned property was going into foreclosure. I will provide any documents necessary.
Product: Debt collection

I tried to talk to a representative of the collection agency and they said that although I paid my collection amount through them, they refused to take the account off my credit report. When I pleaded with her to give me a valid reason for the refusal, she stated that they essentially just wanted to keep it on my record. The debt was for medical lab work for {$140.00}, which I paid in full. Is that right, can they just refuse to take my debt off my report? This happened about a month after I paid the collection agency, Eastern Account Systems, which was on XX/XX/2021.
Product: Student loan

My son, XXXX XXXX XXXX attended XXXX XXXX XXXX and received his degree in XXXX. I co signed on the loans with him. He paid on his loan with Wells Fargo without missing a payment when he had his first job. Then he moved to XXXX XXXX and was in the process of finding work. We took a forebearance for about 5 months. As soon as he got back on track he began paying his loan again. We requested that I be removed from his student loan obligation, and I was told that since he took the forebearance, we no longer qualify for me to be removed. He has been making payments for over a year now in good standing and they still will not remove me as a cosigner. Please let me know what information you require to research. 
Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX  {$9800.00} These are not my accounts . i have no knowledge of the inquiries and accounts listed. 15 USC 1681b. i am requesting these items be removed from my credit report within 24-48 hours.
Product: Debt collection

This debt is incorrect the charges are for XX/XX/year> and we moved out of the apartment on XX/XX/year>. XXXX XXXX gave me the option to move out with lease termination which is the option that I took because XXXX XXXX couldn't prove that there was no mold in XXXX XXXX 
The debt needs to be removed because there was clear notice that if XXXX  XXXX was not livable meaning without mold then we could not live in the unit, XXXX XXXX could not prove this so me and my family could not move into that unit, this is the amount of {$2100.00}. I also asked for a month to month lease if we did move to another unit and XXXX XXXX could not provide that either. I have sued XXXX XXXX XXXX XXXX and have come to a settlement. I should not be responsible for these charges.
Product: Credit card or prepaid card

On  XXXX   XXXX  I purchased airline tickets on the  AMEX Travel we bsite for tickets to  XXXX  for myself and  XXXX   year old g randdaughter. The fare for my granddaughter 's ticket was {$1300.00} The date of travel was  XXXX   XXXX ,  XXXX . When checking for departure at  XXXX  on  XXXX   XXXX , I was told that my grandaughters ticket was not valid and the fare was returned to AMEX. I was told that in order to take my granddaughter with me to  XXXX  that I had to buy a replacement ticket on the spot for {$2300.00} for same day travel. I had no choice and purchased the replacement ticket. I have been claiming a refund f rom AMEX for the difference between the ticket fare AMEX sold   me and the fare I had to pay {$990.00} since  XXXX   XXXX  and without resolution.     My position is that the  Amex trave l website states they are a travel service so my expectation was that if there was a problem with the services sold to me that I would have been alerted in advance instead of blind sided at the ticket counter. I have been a n AMEX cardmember sin ce  XXXX  and expected tha t AMEX w ould take responsibility for the processing error but this has not been the case.
Product: Student loan

I private loan with navient corporation I told them that I was under borrower protection because my school I attendant was doing fraud practices. And the schools was order shut down the private was I am not sure about the amount. If possible can I get some of that money back in a refund.
Product: Debt collection

I was trying to purchase a car at the end of last year and I seen a collection on my account for Hunter Warfield I proceeded to right them a letter asking for proof that I owned the debt because I didn't recognize it. Instead of sending a response all they sent me was a threat to sue for unpaid debt. I have been sending letters and have been ignored.
Product: Mortgage

My loan was just transferred to Select Portfolio Servicing by XXXX XXXX. When making an online payment, I am being charged a {$15.00} fee.
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit card

In XXXX, 2015 I received a pre-qualification letter for the Discover It card, advertising a 0 % APR for purchases and a 0 % APR for balance transfers for XXXX months. I only had one existing credit card, a XXXX Rewards card, with a balance of around {$7500.00} at a 9.99 % APR. Even though 9.99 % is a fairly good rate, I figured I would apply for the Discover It card and take advantage of the 0 % balance transfer for XXXX months. I applied online and was initially denied. I then called Discover to ask why I was denied and, after a conversation with a supervisor, they changed their decision and agreed to the terms in the offer, 0 % APR for purchases and balance transfers for XXXX mos., and then a XXXX APR thereafter. However, they set my initial limit at {$1000.00}. Since the whole reason I wanted to open the card was to enable a sizable balance transfer, this was unhelpful and so I was not going to go ahead with opening the card. However, the Discover supervisor I spoke with assured me that if I used the card frequently during the first XXXX months, paid it off each month and then called back and ask for a credit line increase by the XXXX XXXX, 2015 deadline for making balance transfers, I could get a credit line increase and then make a larger balance transfer. I did all of that. But when I called Discover today XXXX XXXX XXXX XXXX, they told me that they only consider credit line increases after three months, not two. This means that I am unable to take advantage of the balance transfer offer that was made XXXX at least for anything beyond {$1000.00} XXXX, which was the only reason I opened the card in the first place. To make matters worse, the APR I was given by phone - 10.99 % after the 0 % intro 12 mo. APR - has been changed to 22.99 % starting in XXXX XXXX XXXX months from card opening rather than XXXX XXXX. There is no way I would consider a rate that high -- my existing card is 9.99 % APR! I was either lied to or deceived XXXX by Discover, first about the ability to increase my credit line before the balance transfer deadline and second about the post-intro APR APR that we agreed to ( 10.99 % ). A Discover Supervisor, XXXX, claims that she is looking into the issue and will refer it to Discover 's legal services department. I hope that they find the initial phone call during which all of these terms were told to me by another Supervisor. They will find that he lied to me in order to get me to open a card with them. I do n't know what can be done, but I hope that Discover is held accountable and honors the original agreement that was made. My advice to people talking with credit card companies is not to trust verbal agreements by phone. Or, at least, make your own recording of the call so that you have a record of the commitment that was made. Unfortunately, I am now at the mercy of Discover finding the recording of that phone call, which they say may happen, though I am doubtful.
Product: Credit reporting or other personal consumer reports

The reported delinquencies for XXXX and XX/XX/year> are inaccurate due to Biden 's loan forgiveness plan. Payments resumed in XX/XX/year>. Mohela 's representative apologized and assured that the correction would be made promptly. Regarding the PSLF forgiveness, Mohela hasn't updated it with the XXXX XXXX XXXX  per a representative, as bills for payment are still being received.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> Late Payment XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX is threatening me to file a lawsuit to collect a debt that was not mine and has been taken off of my credit report. The only Fifth Third Bank account I had was one that shows up on my credit report as closed and paid off and this other debt was after I closed this account.
Product: Credit card

Capital One Travel Confirmation XXXX I purchased a ticked using miles through Capital One Travel on XX/XX/year> for a grand total of XXXX miles with free cancellation up to Monday XX/XX/year>. Had to cancel on XX/XX/year> and called to confirm a full refund of my miles. They confirmed yes. I submitted the cancellation and only had XXXX miles reimbursed. Called to inquire and they said the remaining points were for the seats I purchased at {$40.00} each way ... total of {$80.00}. Again, this was ALL purchased through Capital One Travel and they took my XXXX points. They stated they'd have to submit a letter to XXXX regarding their policy ... which is also XXXX hours. I asked that they honor their promise and give me back the remaining points, and I was told nothing could be done now and I'd have to wait to see what XXXX said at the tune of 3-5 business days. Totally unacceptable. I'm asking the you make me whole with the full refund of points back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still reporting on my credit file.
Product: Debt collection

I moved from my condo and disconnected my bundled tv through XXXX and XXXX and paid the bill off through XXXX & XXXX, however XXXX turned the amount I paid them to satisfy my bill into a debt collector. I 've contacted XXXX 8 times and they have where I satisfied the bill but have n't contacted the debt collector to take this charge off. I do not owe the {$340.00}.
Product: Mortgage

Rushmore unpaid amount is in error. I have discussed this issue with them recently I even provided Rushmore copy of my previous servicer of my account showing overpayment. 
I would like to receive back-up information from Rushmore how they arrived to this amount. 
at the same time my XX/XX/XXXX monthly due is higher than previous one. I checked with the city assessors that my property tax has not changed at this time it might even go down. 
please provide me how you come up with this monthly due. 
I would like to request that I will be given a chance to pay my property tax and homeowners insurance myself so that no more escrow.
Product: Debt collection

LVNV Funding LLC/Resurgent received a default judgment on a collections lawsuit against me and ignored that the debt incurred was a result of identity theft. I have a copy of a police report and FTC report documenting the theft, but they ignored it and did not provide me with the information I needed to forward to law enforcement investigating the issue. This goes beyond the scope of unconscionable at this point, they are obstructing an investigation and violating victims rights under Justice for All Act and a myriad of other laws. I will contact the Attorney Generals office again and let them know how my case was handled.
Product: Debt collection

Vance and Huffman llc has reported to my credit bureaus that I opened an account with them XX/XX/2020 which is false. I do not I ow who they are and I did not open any account with them.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a money transfer from my paypal account. The transfer was supposed to send XXXX to my bank account. My email connected to this paypal account is XXXX. Before I submitted the transfer, I read literature which stated that my transfer would be available in 24 hours. The next day on XX/XX/XXXX, I was surprised that my transfer did not process and was still in paypal 's pending process. After talking to a manager, I was told that my transfer transaction had been placed under security watch to verify if I was the owner of the bank account that 's connect to my paypal account. I pleaded with the manager, telling him that I successfully completed the security verification process weeks prior to this transaction. I explained to paypal that already sent two deposits to my bank account that I had to confirm. I asked if paypal could release the hold on my deposit, yet my request was denied. I was told that my transaction could be on hold for at least a week. I explained how frustrated I was ... that I was expecting to buy XXXX Presents with this transfer ... that my situation is the result of unfair business practices against customers. 

This is n't the first time that I have had this situation with paypal. I have multiple paypal accounts and have had situations like this happen more than several times. I followed all of paypal 's security steps in confirming my bank account ; paypal should not hold my money for " security '' purposes. I feel like paypal continues to constantly bully its customers with no real clear explanation. I am not the only customer who has shared this issue. It seems to be a pattern with paypal. Although they may eventually release my funds to my bank account, it 's still unfair to have made me wait for this unfair process. My money was taken out of my account from paypal, yet it 's no where to found. Thank you for your time and consideration. I hope that this issue can be resolved for all customers who has shared this same experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please urgently address the unauthorized inquiries on my credit report, as they are causing me distress and were not approved by me.
Product: Debt collection

I hope this letter finds you well. I recently reviewed my credit report and observed late payments reported for my XXXXXXXX XXXX  XXXX XXXX XXXX account, specifically in XXXX 2018.