23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to call many times this past friday XX/XX/31, today XXXX to settle or pay this debt to get it off my credit report. Kohls dont want to want to do anything at all. I have talked to the manager as well to get my account settled or something on payment wise and they refused. They told me my account is too old to do anything with. And I have received many options in the past regarding my balance which I have not received. Therefore, I need this off my credit due to lack of communication and refuse to help in anyway.
Product: Credit reporting

A fraud alert was placed on my Equifax reporting with the old/ incorrect phone number. Now when I try to apply for credit, the company 's will not talk with me.
Product: Credit card

I did not receive any communication that my account was close. I have been struggling to make payments and was paying what I could when I could, but when it did not satisfy the minimum balance I assumed this is when they closed my account. Since now the account is closed and I have inherited the debt this should be removed off my credit report as it is no longer Citi 's. 
I sent out a letter to Citibanks on XX/XX/year> requesting documentation as my account was closed on XXXX. In this letter I state that I would be open to discussing potential options for negotiation as I believe there is a solution that would benefit both parties.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$190000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several checking accounts have been opened in my name without my knowledge or consent. I have extended fraud alerts on all of my credit profiles but somehow these accounts STILL get opened. 

About two years ago someone broke into my apartment and stole several things, including my social security card, driver 's license, birth certificate and passport. It has been terrible. I filed a police report and FTC identity theft affidavit and have attached both. I also attached ID and letters from other banks that also opened accounts in my name, investigated them and found I was not the person who opened them.

I have my early warning services report and all of the reported information is incorrect. All of the account closures are incorrect because I did not open the accounts. All of the inquiries are incorrect because I didn't apply for the accounts. I have no applied for or opened a checking account in over three years. Anything new information reported within a three year period is not me and is a result of the apartment break in that resulted in identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened an investigation several times with this company in regards to them reporting unverifiable and inaccurate information in my credit file. 

They have refused to properly investigate my dispute and delete the unverified accounts.
Product: Money transfer, virtual currency, or money service

I opened up a cash app account a couple months ago, I was a victim of id theft and my phone was stolen, I managed to get a new phone via insurance, once I lost my phone I noticed that there were charges on my cash app card. I disputed the charge through cash and my claim was denied. I filed an FTC report and sent it in to cash app with my new dispute and my claim was denied again. cash app sent me what they used to determine where or not my claim was true fraud. the only thing they sent me was a receipt from the unauthorzed charge. which doesn't show how cash app investigated the claim. I need my money back from the XXXX  charge as i need to pay my rent.
Product: Debt collection

I was first contacted in XXXX about a debt of mine that was sold to another debt collection agency. The agency was XXXX XXXX XXXX. I wanted to take care of the debt so I gave my card information and made the payment. the transaction total was {$620.00}. The original debt was for the XXXX XXXX in XXXX Tx in XXXX I believe. I think this debt was charged off on my bankruptcy in XXXX. 
I paid the account off in XXXX when I was contacted by the debt collector. I had to call several times after the transaction to get the paid in full receipt. Every time I called I was connected to a different person. I could never get back in touch with the same person. 
I was promised a paid in full letter 30 days after the transaction. In mid XXXX I still had not received any documentation, so I started calling all the numbers back that were saved on my phone. None of the number worked or were in service. So I filed a dispute on my debit card to get my money back, my bank gave me back my money. On XX/XX/XXXX I began to receive calls again about the debt in question. I asked to this transaction through the mail and that request was denied. 
The phone numbers associated with these called are XXXX, XXXX. Along with a few others. Non of the addresses associated with this company are real and neither are the numbers. 
I was told that I am going to be sued and my accounts will be flagged in the XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX a fraudulent chargeoff was added to my XXXX XXXX, and transunion credit report by XXXX XXXX  I disputed the original chargeoff which was reported on XX/XX/2018 as a chargeoff but its been reported three differentways. I received a brand new chargeoff reported on my experian, XXXX and XXXX credit report after 4 years of the original chargeoff. As a result of this brand new chargeoff being added to my credit report even though the account is closed my credit score went down almost 100 points. FCRA gives me the right to validate and dispute any inaccuracies on my report without retaliation. This is a fraudulent chargeoff. I called the credit companys they said no chargeoff was added which is a lie. It shows a new chargeoff on on XX/XX/XXXX and all my fico and vantage scores went down 50 to 90 points. This is retaliation. FCRA says this is illegal ( section 623 ) protects me from this tactic. This chargeoff needs to be removed immediately it's fraudulent and retaliation. I disputed the original XXXX XXXX  because on all three credit reports it is reporting three different ways which is an inaccuracy. XXXXXXXX XXXXXXXX retaliated against me by adding a new chargeoff 4 years later which is illegal reporting tactics.
Product: Credit card or prepaid card

I have yet to receive my way2go Florida unemployment benefits card it has been over 2 weeks I have called repeatedly waiting on hold for hours only for them to say there servers are down and call back later and hang up before I can say anything or I wait on hold forever and they act like they cant hear me and hang up on me they have my card with {$1200.00} on it I dont know what to do
Product: Debt collection

In early XXXX, I sent XXXX XXXX an email where I told them to cease and desist from calling me and sending certified mail. Despite this, I have been receiving calls from debt collectors working on their behalf, in XXXX. 

Also, it's come to my attention that XXXX XXXX did a number of illegal things while my account was still open. They were charging me just interest but putting it under cash advances. And when I signed up, they were charging me monthly for credit reporting I didn't want. Both actions have been up in class action suits. 

With my account limited. I can not provide the best dates. But if they provide all of my records, I can show they over billed me illegally.
Product: Debt collection

This debt was already paid by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From CFPB Complaint ID : XXXX XX/XX/2023 it said the hard inquiry from XXXX would be deleted from my Equifax credit file. XXXX from my Equifax credit file.
Product: Credit reporting or other personal consumer reports

I am writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.
Product: Debt collection

No response. XXXX XXXX keeps calling, more than once a day to collect a debt from my stepson who is out of state. He will never pay the debt. We allowed him to use our address for his mail for a short time. He has never lived here. Not responsible for a XXXX year old XXXX XXXX. I have blocked the calls, but the still phone rings. I want the calls to stop. Have notified them by mail, returning letters they sent and by phone. They keep calling. If they looked on the internet, they 'd see he is probably in Arizona where he is a frequent guest in XXXX XXXX jail. 
Name : XXXX XXXX XXXX ( or XXXX XXXX ). DOB. XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

THIS IS A SECURED LINE OF CREDIT THAT WAS ILLEGALLY REPORTING NEGATIVE IN MY CONSUMER REPORT. IT SHOWS DIFFERENT INFORMATION ACROSS ALL CREDIT BUREAUS. I PAID THE DEBT THAT WAS SHOWING WITHIN MY CONSUMER REPORT.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX and XXXX in XXXX, IL from XX/XX/XXXX through XX/XX/XXXX. Numerous lawsuits have proven that this school was fraudulent, and that they used deceptive practices to get people to enroll and obtain loans with their " preferred '' lending company, which was XXXX XXXX at the time. Since XXXX my loans have gone from XXXX XXXX to XXXX and now, more recently, to Mohela. On XX/XX/XXXX I submitted my XXXX XXXX XXXX application to XXXX. On XX/XX/XXXX I received an email from XXXX confirming they had received my application and would put my loans in forbearance for 60 days while they reviewed it. Since I was unable to submit all of my evidence in the same email as my application ( due to the files being too large ) I called XXXX and asked how I should submit the rest of my evidence. They said I could either send another email to them, upload the evidence directly to their website, or both. So, on XX/XX/XXXX I submitted additional evidence via email and by uploading some of the documents directly to XXXX 's website. The amount of evidence that I submitted to support my application was over XXXX pages. In XX/XX/XXXX I received notification that Mohela was my new loan servicer for my XXXX private loans. Then on XX/XX/XXXX I received an email from Mohela stating that my XXXX XXXX XXXX had been denied, and there was a link to XXXX denial letters- one for each of my private loans. The denial letters were identical, and were very vague, stating " XXXX carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I emailed Mohela and asked for a specific detailed reason for the denial. Unfortunately, their response was just as vague, stating " Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. '' This makes absolutely no sense. If an application is denied, there HAS to be a specific reason, otherwise it is simply unethical! That same letter stated that if I had any additional documentation, I could submit it to them for consideration. However, I submitted XXXX pages of SOLID evidence to support my application, and I can't believe that wasn't enough to prove to them that I was a victim of XXXX XXXX misconduct.
Product: Student loan

Nelnet has been reporting negatively on my credit report to XXXX, XXXX, and XXXX. I have gotten my lawyers involved in the matter after I was told by nelnet that I needed a subpoena to get them to resolve the required documents but was advised by the attorneys this is not true. 

They have failed and refused to show documentation for me being late and i request the inaccurate negative late payments be deleted off my report backed by FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$530.00}.
Product: Credit reporting or other personal consumer reports

I submitted an online dispute with Equifax to correct information as it pertains to two accounts on my credit report ; however, Equifax instantaneously returned results that the account information being reported was correct when, in fact, it is not. I sent via USPS first class mail a 609 validation letter requesting verification as well as the method of investigation and have yet to receive a response. I initiated an online dispute directly through the Equifax website accompanied by proof of payment of the disputed accounts and the results of the investigation continue to be incorrect and show a current balance when none exists on either account. It is my contention that it is unlawful for CRA to knowingly report inaccurate information and that the disputed accounts must be suppressed or deleted from my credit profile unless validated and verified. Please assist in finding a remedy in this situation up to and including the maximum legal penalties and fines for reporting of false, inaccurate information by this credit bureau.
Product: Credit card or prepaid card

I want to make a truce with Goldman Sachs over this mess they have put me through since XX/XX/2022. I dont agree with them and I know how many disputes that were resolved in my favor and it was fraud. My nerves can not take anymore of this I just want to be done with it. I have never filed a dispute in my life and I am XXXX XXXX XXXX and have had charge cards for a long time. I also have never sued anyone in my life and dont think I could get through that without having a breakdown. You do owe me and you are in the wrong but I am done. I just wish you would have looked at what I sent and you did not. You didnt even attempt to compromise on anything that I asked. I did get that independent audit of my account and the numbers are correct with what I sent you! You do owe me {$17000.00} + but I cant take anymore of this. If you could at least take care of those last 5 disputes so I dont have to worry anymore about it, that would make me happy! 

I have money so the loss of the money wont hurt me, I just dont like being taken advantage of.or have the feeling that you dont believe me. You wouldnt even admit to the {$1000.00} charges and there were 13 of them. I have the receipts for those and so do you and they were resolved in my favor and never credited to my account along with those several {$530.00} ones. 

You have a lot of work to do to make your charge card operation work. Your managers and others need a class to help them deal with customers.The wait time to take care of your customers needs a lot of work. I will never have another charge card from you thats for sure. 

Its not in me to be so hateful but you made me so mad. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We XXXX  have big hearts and love what we do! So my apologies for being so rude. My son-in-law is a XXXX so I know my rights and I know I have enough evidence to use against your bank but I cant do it!! I just want it over with. Its been a nightmare for me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Equifax, I've attached the documents for review these XXXX accounts were opened in my name fraudulently by someone else. Please remove or block it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/2017 And XXXX opened on XX/XX/2017.
Product: Checking or savings account

I placed an order for grocery pickup from XXXX that was to be picked up on Tuesday, XX/XX/XXXX. They charged me # XXXX for a XXXX of chicken thighs that were priced at {$10.00}. I returned the entire grocery order. I did not take anything from them and brought it all back in to the store. There is camera footage of me doing this. I asked for them to give me my money back. I woke up on the XXXX of XXXX, and they had charged me a SECOND time for {$390.00}. They told me that the charges would fall off, meanwhile I was in limbo with {$800.00} missing from my bank account. I asked my bank ( PNC ) to dispute the charge, and it seems as though they LOST THE EMAIL WITH MY EVIDENCE FOR MY DISPUTE. Instead of reaching out to me about it or any alternative, I am now stuck with losing almost {$400.00} due to their incompetence and attempting to get my money back- AGAIN. I no longer wish to shop with XXXX. I no longer want to bank with PNC. I want a lawyer to work with to get me my money back from XXXX. Why does XXXX get nearly {$400.00} for giving me ABSOLUTELY NOTHING? And putting me through the stress of having to fight it for nearly a month. Why does PNC hold no responsibility for losing my email with my evidence for the case?
Product: Debt collection

On Thursday XXXX XXXX 2016, I was called by Credit Consulting Services at XXXX. I returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. My first complaint was against the same company the other day, but then I remembered that they also called for XXXX bills of mine that they have. It was the same representative who was rude and her supervisor who was rude and would not help me as I demanded her and I to switch roles and see how she liked how her employee acted towards me. The employee seemed like she did n't care about her job and thought it was a joke as she went ; " hhhhhmm and chuckled, '' when I advised her that I could n't take care of it and did the same chuckle when asked me to put it on a credit card. The supervisor/manager was very rude as well. The representative never asked for my last name, last XXXX of the social, address. All the representative who answered asked for a phone number since I called blocked and my first name. They should not be assuming with only XXXX pieces of information that is me or correct. I feel that since the company see 's my last name that they are racially profiling and sending the letter in English and XXXX. I have never had this issue before and I find it very offensive and all letters and communication needs to be in 100 % English or legal action will possibly be taken. I have the documents as well for proof.