23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019, I discovered that several thousand dollars ' worth of charges had been made on my Discover debit card. I reported them. On XX/XX/2019, I received a call from Discover dispute investigations who asked me a few questions and told me I should file a police report. I asked for the information they had and a supervisor named XXXX told me he would send me all of the documents. I never received any documents at all. On XX/XX/2019, Discover decided that the charges were valid even though it is impossible that I made them. I asked for proof and they can't provide me with any proof or documents. The burden is on them to prove that I made these charges and they will not show me what they are using to justify the decision that I made them ( most likely because there is no evidence ). Now my account is overdrawn and I can not pay my bills or book necessary business travel because of this. The Deposit Agreement says I have zero liability for fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016 my husband and I went to XXXX XXXX XXXX to see about getting a new vehicle. We authorized them to run our credit, but we never authorized them to run our credit with over half of a dozen other companies. This put hard inquiries on our credit report, which obviously hurt our credit score. We were told by XXXX XXXX XXXX XXXX that the hard inquires would n't matter because they were all on the same day and that anyone who looked at our credit would be able to tell. It 's been well over a year and we 've gotten nowhere. It 's beyond infuriating knowing that we 're trying to build our credit and because this one company inquired with 6 plus other companies, we 're the ones paying for it.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Debt collection

I found multiple fraudulent accounts on my credit and they are reporting to my the credit bureaus and hurting me and families future financial journey.
Product: Mortgage

There was a HELOC on a property which I purchased on XXXX. I did a deed on lieu with a positive market value on the property on XXXX and stopped the payments on the principal loan and the HELOC ( same bank ). Bank of America reported this account on XXXX according to the credit bureau. the account was supposed to be reported when I stopped to make payments and not 3 years later. I have trying to dispute this issue with the bank and credit bureaus with no results. 

Bank of America balance due {$39000.00}. 
Account opened XXXX. 
Property address : XXXX XXXX XXXX. XXXX XXXX TN XXXX My name : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Finacial continues to delebratly damage the credit of a co-signer that signed a loan with me on my behalf. They call myself and the cosigner XXXX continously I am only a payment and a half behind. However I continue to make my regular monthly payments I asked One Main could I refinance the loan under my name only and they said no. Mrs XXXX my cosigner called me and said one-main has been calling her and harrassing her about late payment. Also I was told by one-main that we were not seriously in delinquency. However they have began to report this to the credit bureau. Mrs XXXX has perfect credit and she is upset about it. This company calls during hours when I ( XXXX XXXX ) is at work. My supervisor asked me who is that calling interupting you at work. I said One-Main Finacial. I have been harrassed and threaten by One-Main- Finacial. I was told one time by an employee if I didnot make a payment I could be sued or they will go after XXXX and that I would be the cause of her credit being damaged. Althoug I make a payment every month. This continues this is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with XXXX XXXX XXXX. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, XXXX XXXX has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked XXXX XXXX XXXX to correct my pay history on several occasions, but they never take any action to correct the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had 4 30-day late payments on my credit report. I have email confirmation when payment was sent but yet XXXX still wont correct said error. Each email contains a tracking number to track when payment was sent. In fact, I had one for the month of XXXX and payment was submitted ON TIME. XXXX reports XXXX payment as on time and payment is not due yet.
Product: Mortgage

I applied for a mortgage through quicken loans/rocket mortgage. I was directed to their credit department, and told i needed to pay down a couple credit card balances to get approved. I paid the down and was directed back to the loan department. At which time I dealt with a total of 3 different loan officers. I just checked my credit report and found out every time they put me in touch with another person they ran my credit without my permission. I explained this to their credit compliance department, and they told me it didn't matter because they could pull my report as much as they wanted within 45 days and it would not affect my score. I've been told by other lenders that this is a lie. I was told 1. ) they can not pull my credit without my permission, 2. ) They have dropped my credit score by at least 10 points.
Product: Credit reporting or other personal consumer reports

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors
Product: Credit reporting or other personal consumer reports

please check the information concerning the XXXX data breach below in attachment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Last 4 of SSN : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting

transunionXXXX XXXXstatus showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$540.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2900.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$540.00} XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$2900.00} XXXX DRS Account number XXXX Date opened XX/XX/XXXX Balance {$540.00}
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me XXXX  days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . As a consumer, by law the accounts in this letter must be updated immediately because my rights have been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to LexisNexis and they never responded - this is a violation of the FCRA. It has been over 30 days and I have not heard anything from them. I need this incorrect information deleted for violation of the 30 day FCRA violation. THe credit companies claim they are the company providing the inaccurate information.
Product: Credit reporting

I had a car loan through XXXX XXXX XXXX ( XXXX ). In XXXX 2011, we had a major hail storm hit our area and car was totaled out by my insurance company. XXXX still has on credit reports that I owe $ 3k. I have sent over a copy of the check from my insurance company along with where they released the title. Credit report states they still say I owe the debt, but sent no proof. I finally talked to someone at XXXX and they were like a " loan shark '' if I pay a certain amount they will take it off. I said " NO '' send me proof I owe it and he would n't. They stated maybe it was from late fees, I asked them why they would let $ 3k it late fees rack up with out repossessing, then they changed it to maybe it was when I XXXX got the car and two days later it broke down and they helped me get it fixed, I advised them that that service was offered to me and no one said I had to pay that back and please send me proof of where they paid that amount to XXXX XXXX XXXX, and he said he did n't have it. I would like this removed from my credit report ( all XXXX agencies ) since they are not willing to provide any valid proof that I owe this debit. Please let me know if you need any further information.
Product: Credit reporting or other personal consumer reports

Improper account reporting Account in charged off status and company hasnt sent me a 1099c Account is in charged off status still reporting a balance Account is a charge off which means a 1099 c was diled which makes it income and income should not be reporting to a credit report They are reporting a balance of XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My husband and I submitted an income drive-repayment plan for student loans with Navient. We choose " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in Section 2. We put the application in on XX/XX/XXXX and had not heard anything from them. We call Navient today and she tells us that " we did not fill out an application exactly for PAYE plan. '' She tells us we have to submit an additional paperwork to get on the PAYE plan and that what I filled out was not the right application. They ca n't place us on a plan until we specifically choose one. My husband and I are both lawyers, I think we can read an option that says " I want my loan holder to place me on the plan with the lowest monthly payment. '' Either she did n't know what she was talking about or this is an attempt to prevent people from getting on IDR payment plans. This did not happen to me when I filled out the same exact application from my own loans with XXXX.
Product: Debt collection

XXXX XXXX XXXX has a debt system that is not tied to patients social security number. I have a debt payment agreement with them making payments on my balances for XXXX different hospital visits. At their direction I was paying on oldest ones first. Since the accounts are not linked to my social they determined that I was not making payments and sent them to collections. They have damaged me even though I was making good faith payments.
Product: Mortgage

I am sending in a complaint/response to my previous complaint ( XXXX ). Not only did this company lie in their response to me I feel as though no effort was put into really looking at my case. They lied and stated that they tried to get in contact with me during the time I was trying to get a loan modification but they could not reach me. Not only is that a lie I was the one in fact calling them repeatedly to get my case settled and back on track with my loan. I would like Wells Fargo to prove that they have tried to reach me in any way and was unsuccessful in all their attempts. My phone number has literally been the same for the past XXXX years. And I remained in the home until they told me to get out. In my complained I stated exactly the respresentative I was in direct communication with the entire time I was going through the process and the person handling my current complaint ask me in the letter to whom did I speak with that told me not to begin making payments again until they completed the modification process. That in itself let me know not only did they not read me complaint, they did not research a thing in regards to my foreclosure because they should know the exact name of the rep that was helping me and all of the correspondences and documents that was exchange between she and I. They should have all of this information on file. If I had the money I would sue them directly for the way they have badly mishandled this entire situation. I honestly see why they been sued but the government and I hope they get sued again and go bankrupt.
Product: Debt collection

I want a list of all the factors that were involved in this consumer transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, Equifax, and XXXX they're reporting XXXX XXXX accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.
Product: Debt collection

We are receiving repeated robocalls from someone claiming to be Harris & Harris.. 

The recording states that they are Debt. Collectors and instructs to call their number XXXX.. 

The recording provides no information as to the reason for the call, or the nature of any possible debt.. We have been receiving these for approximately six months.. 

After attempting to report this action on the FCC 's Don Not Call Complaint site, and was informed that Debt. Collectors are not bound by the Do Not Call Rule, I posted here..
Product: Credit card

I came to the branch to ask about the requirements to get a credit card. But I did not apply for it. I have an inquiry that I need be deleted.
Product: Checking or savings account

on XXXX my XXXX account on venmo recieved a XXXX transfer for her XXXX  funds. on XX/XX/XXXX, i believe or maybe that same day my childs card was stolen and funds were sent to a XXXX XXXX i never heard of and do not know for {$900.00} and also at t-mobile for XXXX something there were lyft rides purchased and a few more i reporterd to the police and venmo. i feel because of the amount a fair investigation wasnt done i was refunded some but not anything over XXXX and they closed my account and wont let me access or even tranfer the funds they did replace saying something about a XXXX loss prevention XXXX. i was a victim and am pursueing charges against whomever the theif was, and have been treated unfairly and my money is now stolen and whatever is left venmo has shut my account down and wont let me access it please can somebody help me ive also called XXXX and reported it they were more then willing to refund it if my bank allowed and XXXX XXXX told me to contact my bank who is not in any way being fair to me they are not trying to help and have stolen whatever was left and also shut my account down. upon speaking with XXXXXXXX XXXX  ( TRANSACTION HISTORY GIVES STORE NUMBER ) they informed me they were never contacted by venmo about my case so i dont underestand what kinda investigation was done. they were more then willing to help me if venmo would have legally and fairly did there investigation
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2