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

XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXXXXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX under the account number ( XXXX ), a personal loan account opened at under the account number XXXX XXXX  ( XXXX ), and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that appears related to the aforementioned personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all have same account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report DUE TO MULTIPLE DATA BREACHES I WAS EFFECTED. 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 due to several data breaches i was harmfully effected by.
Product: Debt collection

I am in discussion with my country club about some debt. my complaint is not about that, but they sent it to collections, who put it on my credit report and then contacted my ex wife ( of XXXX years ) who was not married to me when I signed up, and is not on any contact information. There is no reason she needs to even know my personal life, let alone my debt. They gave her details, and the exact amount. They would have had to search her out, I never provided any information. We are in the middle of a custody battle and she submitted to the court that I am living an extravagant lifestyle that I can not afford to even pay for. Their illegal, bully tactics not only caused me embarrassment, but they could cost me primary custody of my XXXX children if it reflects poorly of me to the judge. 

I have attached the document that goes to the court through the court appointed app, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I tried to create an account online to view my credit report and score, Equifax Credit Bureau charged my {$4.00}, but I was not able to view my report, then I called XXXX someone from XXXX answered I asked him to forward me to the US Office, someone else answered I asked him if he from the US office and he said yes, after we talked he was not able to help me, I asked to speak to a manager or SV initially he refused then he forward me to his super visor in XXXX, any how I spoke to 10 people in total wasting 2 hours of my time, and the last 3 where for the US office, I released all the needed information including my SSN but they still could not locate an account for me, the last two people that I spoke to I asked them to refund my money but they said they dont have an active account for me, the question remains why I got charged {$4.00} if I do not have an active account? And why Equifax rep could not refund the money for me? 
i spoke to XXXX, XXXX, XXXX ID XXXX,, XXXX XXXX XXXX, XXXX id # XXXX, XXXX ID # XXXX, XXXX XXXX, XXXX XXXX
Product: Student loan

When I first started paying my loan in XX/XX/XXXX, there was some kind of mistake made by in how my payments are applied to my loans. I have 6 separate loans and my initial payment, they said, was XXXX dollars. I have three Direct Plus loans and three Direct Unsubsidized Stafford loans. I called back in XX/XX/XXXX and they said this was a mistake and I should only be paying XXXX every month, which I did. So for the first 6 months of making payments, even though I was paying the full amount, I kept getting notices that I was not paying what I owe, and thus these payments were not counted. On XX/XX/XXXX I ended up paying more than I owe ( XXXX ) so the computer would stop saying that I was past due because the people at FedLoanServicing could not seem to fix it themselves. This did fix the problem, however, when I submitted my Employee certification form in XX/XX/XXXX it was showing that I only had made 5 or 6 payments when I had been paying for almost a full year at that point so should have had around 10. I submitted a request to have my payments re-evaluated in XX/XX/XXXX and they told me the review should be done in 6 months. I called back in XXXX of XXXX and was told it would take another 6 months. I called back in XX/XX/XXXX, one month ago, and they told me that they don't know when it will be done. So now I have 2 years of full, on-time payments and 3 of my loans only show I've made 19 payments, and the other 3 of my loans show I've only made 9 payments. I called again today and they still can not tell me when the review will be done and they will not let me talk to anyone in the review department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX, Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance is incorrect, I am not familiar with this collection agency and did receive any communication or notification.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> case innovis XXXX informed about XXXX XXXX  XXXX  XXXX and upon my call to XXXX XXXX the lady representative said you have XXXX of benefits at XXXX XXXX XXXX and hung up in my face. I immediately called innovis but were unaware then I called XXXX  XXXX XXXX  spoke to the president XXXX XXXX at XXXX XXXX and she decided to lie and denied me of an account. XXXX XXXX fake XXXX and XXXX stolen my identity at XXXX XXXX XXXX and cash two XXXX  escrow account checks in my name and I reported the XXXX as XXXX detective XXXX XXXX XXXX.
Product: Debt collection

I am not liable for this debt owed to XXXX for {$3100.00} ..I did not sign a contract with Jefferson capital system , there this is not my debt..
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 us 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

On the morning of XXXX XX/XX/year> I received a notification from XXXX that a collection had been reported to my credit report by I.C. SYSTEM, INC. 
XXXX I.C. SYSTEM, INC Address XXXX  XXXX, MN XXXX Phone number ( XXXX ) XXXX I immediately contacted XXXX to dispute the debt as was assured XXXX years ago by a customer service XXXX at XXXX that the charge amount of {$330.00} had been forgiven because the original creditor XXXX had charged me a full month after I had canceled my subscription. The collection agency claims they texted me in XX/XX/year> about my debt. I told the representative that an initial dunning letter is what is required by law to allow me XXXX  days to dispute the validity of the debt and that any electronic communication without my consent is illegal and probably would have been ignored by me because I don't have any creditors that would've communicated with me regarding an outstanding debt via text message. I further exclaimed that I demand they remove this debt from credit report immediately the rep refused, I obtained the inhouse reference number associated with the debt of XXXX
Product: Debt collection

For the past year or so a debt collection agency has been reporting an alleged collection account on my credit report. I repeatedly asked them for documentation of this alleged account and they have yet to provide me with any documentation. I also have repeatedly asked them to stop calling me and they also refuse to do that. My last communication to them a few weeks ago I again asked them for documentation of this alleged account and the respone that I received on XX/XX/2019 stated " We have already responded to a previous dispute substantially the same as your present dispute and because my dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute ''. They have also stated if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved we will consider your inquiry answered. FRCAl laws state that a company must provide me with documentation when requested of any alleged debt. It also states that to collect on that debt they must provide with a written agreement made with their company that includes my signature agreeing to pay this alleged debt. This company is trying to collect on an alleged debt they claim is owed to another company and refusing to provide me documentation of the alleged debt to that company or and a agreement that I made with their company to pay this alleged debt.
Product: Credit reporting or other personal consumer reports

Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/year>, I made an outbound call to Fortiva at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/year>, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/year>, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/year>, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXXXXXX XXXX. PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/year>, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.
Product: Credit reporting or other personal consumer reports

I have falling victim of identity theft and have accounts under my name that do not belong to me. i want this matter resolved and these accounts removed and deleted from my report on Transunion. 

Kindly remove these accounts they do not belong to me. Please help me please delete these accounts XXXX  Account Number : XXXX Total amount : {$360.00} XXXX  Account Number : XXXX Total amount : {$170000.00} XXXX XXXX  Account Number : XXXX Total amount : {$22000.00}
Product: Debt collection

These accounts are an result of fraud SYNCB/LOWES {$3500.00} XXXX SYNCB/WALMART {$0.00} XXXX SYNCB/PPC {$2000.00} XXXX SYNCB/CARE CREDIT {$2500.00} XXXX
Product: Credit card or prepaid card

I attempted 5 times in one day to purchase flooring online at XXXX XXXX. I had over {$10000.00} in available credit. The flooring cost about {$7600.00}. Each time, Capital One denied the purchase, due to a " Fraud Alert '', despite the fact that I confirmed the purchase 4 times by text and 3 times by phone. I provided my SS number, birthdate, confirmed a code they sent me, etc. Each time they said it was cleared and then denied it again. I wasted an entire day trying to make this purchase. Each time I was denied, I had to contact XXXX XXXX also, to clear the purchase so that I could try again. I need this flooring and they do not carry it in the store. I also work and now I guess I have to get to the bank, take out cash, and go to the store to place an order. What is the point of a credit card if you can't use it. The last Capital one rep I spoke to could not provide me with any reason why I was being denied and basically didn't do anything to help.
Product: Credit card or prepaid card

I did not get a XXXX statement. I called on XX/XX/XXXX and they were not open. I called back on XX/XX/XXXX and was told the statement was mailed from Ohio on XX/XX/XXXX and they had registered that I received it on XX/XX/XXXX. I asked the dates XXXX times during my call on XX/XX/XXXX and was told the same thing. This is an impossibility mail is not delivered on XXXX XXXX so they were lying. I paid the bill. They did takeoff the late fee because I didnt receive a statement but they continue to maintain that I had to pay {$10.00} in finance charges for being late on a statement I never received. Commenity Bank XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent NOTICE to Equifax Information Services on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax received NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX , GA and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX, GA ( View details on USPS ) . The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. I have included documentation along with the LEGAL NOTICE from the child support agency that child support is not any sort of a loan transaction from the child support agency as well to support removal according to the FACT. Equifax response did not remove the information as required by the FACT Act and sent a reply stating that Equifax verified the amount of the of the delinquent account. I at no time gave Equifax any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of ****Important Notice**** sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}
Product: Credit reporting or other personal consumer reports

These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX - XXXX - inquiry XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

Opened a New Account with M & T on XXXX XXXX. 
Transfered money from my other Bank Accounts on XXXX & XX/XX/2022 for a total of $ 5K. 

M & T placed restrictions on my account to use this money & not letting me Transfer this money. I Called Customer Service to remove the restrictions or close my account and refund my money back to the source accounts. 

They are not doing either, please help me in getthing the account closed get my money refunded.
Product: Debt collection

I move out from XXXXXXXX XXXX in XXXX GA ON XX/XX/2024. THE MANAGER said will mail me the total statement but I never received it until debit collection company call me AGAIN AND AGAIN THAT I OWN {$1700.00} DOLLAR, THEY USE MY XXXX XXXXXXXX REDUCE TO {$1300.00}. I TRY to call apartment manager three time to express the amount does not correct that I should not pay for carpet over XXXX dollar for replace.because when I move init is old carpet and did not clean at all. I AM NOT TAKE ALL RESPONSIBILITY to the carpet that is been replaced.when I ASK TO GET THE EVIDENCES OF MONEY SPENDING ON CARPET TO REPLACED AND SOME PAINTING RECIPT they paid. I had been told to talk to the debt collector call <HUNTER WARFIELD AND PHONE NUMBER XXXX, I DID FOLLOW TO CALL THEM.THE DEBT COLLECTOR REPEAT TO SAID DO YOU WANT TO PAY IT? NEVER TO LISTEN WHAT I EXPRESS THE SITUATION. THEY KEEP TELLING ME EITHER PAY IT OR WILL REPORT TO THE CREDIT UNION. I TRY TO FIGURE IT OUT THE AMOUNT I REALLY OWN AND TRY TO PAY IN PLAN. THE HUNTER WARFIELD ALWAY SAY I CAN NOT HELP. YOU NEED TO PAY.
Product: Bank account or service

I opened a business bank account and later I decided to open a merchant account. I was n't informed that the bank decided to open a merchant services account. 
this included a 36 month credit card machine lease, # 2 included gift cards and credit card machine. I DID not ask for merchant services. I even got my business name changed and also my name was changed five ( 5 ) times. Two people were on a business billing statement. They even sold my fruadulant accounts off
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 a 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.
Product: Credit reporting or other personal consumer reports

I opened this account 6 Months ago and they have all my contact information and I set the payments up on auto draft. I did not realize the last payment didn't go thru. I never received a written notice or a phone call the account was slightly delinquent. It was caught up immediately after I realized the error. It was reported to the credit bureau a day after payment was made. It was reported 2x. Causing a XXXX point drop in my credit!!!! Please help me correct this.
Product: Debt collection

I recently discovered three debt items on my credit report from WFXXXX CARD, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to WFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from WFXXXX CARD regarding my dispute. This failure to respond violates my federal rights under the FDCPA.