23daVinci/CFPB_Complaints huggingface dataset:
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 accounts and loan accounts opened at Discover XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and collections account opened at XXXX XXXX XXXX on XXXX XXXXunder the account number ( XXXX ) with a balance of $ ( XXXX ) and XXXX XXXX XXXX under the account number ( XXXX ) with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX and XXXX 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Debt collection

Collection agency SPRINGOAKCAP no additional information on consumer credit report by XXXX XXXX. I do not have nor ever had an account with Original Creditor. XXXX XXXX XXXX XXXX  " reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- Conducted an online search for contact information and called XXXX ( XXXX ) XXXX - After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact. 

STEP 2- online research for this debtCreditor Name SPRINGOAKCAP Account No. XXXX. unable to contact a live person, no information to verify my account. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account is either owned by Spring Oaks Capital , LLC or our affiliate Spring Oaks Capital SPV , LLC. 

STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead they have used my calls as acknowledgment of this debtCreditor Name SPRINGOAKCAP Account No. XXXX Original Creditor. XXXX XXXX XXXX XXXX  Responsibility Individual Condition. Derogatory Original Balance. XXXX Balance. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection
Product: Checking or savings account

I haven't received the {$200.00} sign up reward as advertised below by Valley National Bank after meeting all the direct deposit requirements. 

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

I recently checked my credit report and was shocked to find accounts that I do not recognize.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX  Employer - XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed a XXXX XXXX loan with Sallie mae, my borrower who is currently in schools have the school sent a confirmation letter to lender of his current status ( student ) so as to stop making payments and activate a deferment on the account. Sallie mae denied the receipt of the request ( which they later confirmed while on a call with Sallie mae representative ) and report a delinquency to the credit bureau knocking 50 points off my credit score.
Product: Debt collection

Hello there, I XXXX XXXX am filing a complaint against a debt collector. I have attached supporting documents. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owed XXXX XXXX XXXX {$6000.00}. I then called, got the runaround was treated rudely and hung up on I disputed the charge and was told that I still owe the debt however, I could send in any documentation supporting my dispute. I also went in to the apartment complex to let them know that I have been formally signed off of this lease since XX/XX/XXXX, for two years they said they had no records they were recently under new management they weren't sure who I could contact at that point. I sent my lease modification to XXXX XXXX XXXX  showing that I was taken off of the lease on XX/XX/XXXX, along with a demand to see proof of the debt ( Copy of letter is attached ). 
I now have some health issues and need a loan to take care of XXXX I was denied. I checked my credit and the debt is still there. I called XXXX XXXX XXXX on XX/XX/XXXX they stated they transferred my debt to another credit company Brett Borland law. 
I then called Brett and Borand Law on XX/XX/XXXX. I explained to them my issues, they were very rude as well. 
I ask if they could point me in the direction of who to call or what management companies name filed this complaint, he told me call XXXX XXXX, I had try to explain they sold the company to someone new and is under new management and if they could please help with some point of contact he said to call XXXX properties. I did call XXXX they said they had purchased the apartments in XXXX, so they do not have any documentation and do not hold the debt. 
Brett and Borland then said I could send in documents that support my claim however, that I still owe the debt, because XXXX XXXX has not released me. I asked for documentation of the debt as well he said they had it however did not offer to send it to me. 
I'm contacting you and also, filing a dispute with the credit bureau, in hopes to get this resolved. In advance, I appreciate your time and taking my complaint on. I felt very lost and felt as if they were going to get away with filing a debt with me that wasn't mine and ruining my credit. I appreciate your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX # XXXX debt has been paid in full directly to XXXX XXXX and it still has not been removed from the 3 Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my credit report from XXXX XXXX, account number beginning with XXXX. The report incorrectly lists late payments on this account. I have consistently made my payments on time and have never missed a due date. I previously disputed these inaccurate late payments with the credit bureau Equifax, but their investigation was unsatisfactory. In order to substantiate my claim. I request that this inaccurate information be completely removed from my credit report, as it is negatively impacting my credit score.
Product: Money transfer, virtual currency, or money service

I have two virtual gift cards through American Express that I have been gifted by my employer. I have tried on numerous occasions to use them at various online retailers or outlets and each time the transaction is declined. I assume this is because there is no actual billing address associated with the card, and despite the fact that AMEX FAQ 's indicate I should be able to enter my own address, clearly this doesn't work as the card is kicked by every time due to it not being able to be verified via a correct billing address. I have exhausted every method to no avail and as such I am stuck with {$100.00} worth of currency that I am unable to use anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX Account Number : XXXX
Product: Credit reporting

The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
Product: Student loan

I worked for a 501c3 company from XX/XX/XXXX to XXXX : The XXXX XXXX XXXX XXXX, federal XXXX : XXXX. The school has been closed for several years. You can XXXX IRS documents that this school should qualify for these dates for XXXX. 

This school is currently identified as ineligible for all dates, even for when it was open. 

I have tried to submit complaints about this to XXXX and they just close the ticket after XXXX business days.
Product: Credit card or prepaid card

i called american express credit cards i spoke with customer service during covid-19 i lost my job and having financial problems but i offered to pay half of what i owe balance is {$4500.00} i offered to pay {$2300.00} and the lady with americamn express customer service told me pay XXXX dollars down and XXXX a month and they would'nt close my account and no penalties and i honered their payment plan and paid XXXX total then phone misteriously disconnected i called backed now a man answered the phone in customer service said that my account will be closing and i would have to re apply for card even tho other clerk id number XXXX told me different which i actually did pay her terms now american express changed the deal during united states covid -19 hardship thats effecting  everyone leaving no one to spare during this disater relief program american express has i really believed i was going to get help from this credit card company i would like for american express to honor the deal they promised me or atleast let me pay {$2300.00} and give me 2 weeks for balance but they agreed on term of XXXX a month now breaching the verbal contract just need help please
Product: Debt collection

Credence Resource management has not provided me with any validation to verify how or when this alleged debt was acquired, I have sent them a written notice by USPS-certified mail and a follow-up letter as well. They have not done anything to resolve this matter. Based on consumer laws I've researched I now KNOW I have a right to privacy. 
This company has acquired my personal information without my consent and put a debt on me. To my knowledge, I have no contract with this company or the original creditor, so I am confused as to why they are damaging my credit. 

I am aware of my rights as a consumer and this company is in serious violation. 
The account is as follows on my credit report. 

Credence Resource management XXXX
Product: Debt collection

Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has information in my credit report that is not correct due to their linking another individuals derogatory credit with mine. I have made numerous attempts to get this issue resolved. I am continually told by XXXX that they can not remove the disputed, derogatory items ; even after I have disputed the items several times and have given XXXX the correct information. This was done some years ago and they have once again created the same issue. XXXX  has sent the individuals information to my address as I am certain the individual has been sent my information. This has caused a very negative situation for me on my credit record and is indeed creating issues in every aspect. This individual has many, many collections against them. This individual has not been a responsible creditor. I have always handled my credit responsibly. 
I have also found out that this person is linked to my XXXX XXXX XXXX ; causing false reports about accidents for my vehicle with XXXX. I have requested to speak to supervisors and continue to be told the file is being sent to maintenance to get the issues resolved. I was also promised someone would send me information or a call back. I have yet to hear from anyone, unless I initiate the call. The individual that is linked with my credit lives in XXXX, NC. I live in XXXX, NC. We have some similar information, yet there are many differences that should be distinguishing. 
On XX/XX/XXXX, I spoke with XXXX XXXX who stated that the file had been sent to maintenance for investigation ; I was instructed to call back XX/XX/XXXX. I called again XX/XX/XXXX, this time speaking to another supervisor, XXXX, who promised to follow the issue until resolved and personally call me back. XXXX said she saw what the problem was and understood my frustrations. I never heard anything more from XXXX. On XX/XX/XXXX, I spoke to XXXX, who stated the file was being sent to maintenance. 
XX/XX/XXXX, I called each of the disputed creditors and was told by each one that they had nothing on me ; my name nor social security number was not in their database. I was told that this was an error on XXXX part and they would have to correct it. I was also told that XXXX was not going to call the creditors ; they would just send the information that was disputed. XXXX  has continually sent the information attached to my name without separating the names causing the disputed bills to remain linked to me. 
XX/XX/XXXX, I spoke to another supervisor who stated there was nothing that could be done to remove the information until the investigation was complete and the reporting companies okayed the removal of the disputed items. I informed the supervisor that I had spoken to each of the reporting agencies and their responses, yet to no avail. I will send documents that will reference all of the above. Hopefully, the dates and documentation is visible.
Product: Debt collection

I initiated the MONTH TO MONTH membership XX/XX/XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX  Pennsylvania. I spoke to the " manager '' named XXXX. I explained to her that I didnt want to use the Gym equipement but only required the use of the showers. I then explained to her AGAIN that I only required the use of the showers for a month maybe two at the very most. She said yes I could do this on a month to month but I still had to agree to the automatic payment withdrawl from my account. I used the facilities approximately 4 or 5 times!! Each time I was there the bathrooms were not clean .... in fact they were terrible. There was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. upon 2 returns to the facility it was still there. Very nauseating to say the least. My final visit there Itold who ever was on duty.. some other unhelpful person.. that I was cancelling my MONTH TO MONTH agreement and he said I would have to talk to XXXX. I then called XXXX and she said I had to come in. To accomadate her wishes I came in. I believe it was the last week of XXXX or first week in XXXX only to have her say that I would have to pay for the whole year because of cancellation. 
Well ... ... ... ..I completely and utterly disagreed with her as to what agreement I had made and which she agreed to. I said FIRST of ALL XXXX! ... ... .I said emphatically in no way shape or form would have agreed to a full year member ship ... .as I SPECIFCALLY SAID I DO NOT WANT A YEARLY MEMBERSHIP. Finally after all this in her infinite wisdom pulled up my account on the computor ( which should have been immediate! ) As to when she finally agreed that in fact YES these were the terms of the agreemnt. To which she offered no apologies what so ever... the only reply was that shes " busy dealing with hundreds of people during a week ''. Which in my opinion is a very poor representation of this company and absolutely the poorest of customer relations. I then after reviewing my bank statements this is what I have for the dates involved. 
XX/XX/XXXX {$49.00} withdrawn for initial agreement XX/XX/XXXX {$29.00} withdrawn for montly agreement XX/XX/XXXX yet YET ANOTHER {$29.00} withdrawn???? 
I then see a charge for another {$29.00} withdrawn from my account on XX/XX/XXXX. 
This is the point as to where I had called my bank and put a STOP payment on my account and the result was a demand payment notice from First Credit Services Inc . 
for the amount of {$260.00}. This is not my bill. They are now trying to scam me out of monies not due to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address fraudulent personal information and inquiries associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

When checking my credit unnoticed a collection account. I had never received any notice or phone call about this debt. My address is current because I have a mortgage and have had same phone # number for over  XXXX  years. At any rate, I did n't want to have any back and forth. I do not know anything about this debt nor do I believe it was mine. I paid this with the agreement they would delete account from credit bureaus. They have cashed check and are still sending me letters now to collect on an account that has been paid and they are saying it is n't. And i attempt to call and never get a representative. This is paid and was n't my account. This was to be deleted and has n't and now they suddenly are mailing me wanting payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Transunion 's consumers relations department on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX who stated I was not a victim of their inquiry issue and they refused to remove the false inquiries on my credit report. 

I know that the large amount of inquiries originated from fraudulent activity and have put a hold on my credit file with other bureaus as well as this one but still see inquiries coming through almost daily. The company refused to clear the inquiries and had the audacity to say I was fabricating the fraud when it has been proven with other fraudulent marks on my reports.
Product: Vehicle loan or lease

I requested the negative information be removed back in XXXX of XXXX. The company responded and noted in the attachment that the information will remain until XXXX XXXX. As of today XXXX XXXX XXXX, the negative information is still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX : I have never paid late this account XXXX XXXX XXXX : I have never paid late this account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX ACCOUNT NUMBER XXXX : Unverified account