23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Product: Debt collection

We moved from our house back in XXXX due to foreclosure. i see the credit card used was going back i believe to XXXX i have had many cards issued that did not pertaining to me and were identity theft going back to XXXX. This debt does not belong to me.
Product: Debt collection

Account was sent to collections ( XXXX XXXX XXXX ), account was sold to Global Trust Management. Account was paid, neither XXXX or GTM will report information to credit repositories. Disputed account with supporting documentation ( receipt from GTM ) and XXXX still reporting account unpaid - been 60 plus days and disputed account and XXXX does not own account - sold to GTM and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from GTM and XXXX not deleting account on credit report and acting as unaffiliated third party.
Product: Debt collection

I have contacted consumer adjustment company involving a debt that they claim I owe that was taken In my name without my approval authorization and or knowledge I have sent over the required documents requested to dispute this item as fraud. The company removed the items from my XXXX  and XXXX and however has failed to remove the item from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is requesting information to verify my identity. This information was sent to them on XX/XX/2022, complaint # XXXX. This seems to be a stall tactic with the credit bureaus. They are reinserting information without my knowledge and not following the law according to FCRA.
Product: Credit reporting or other personal consumer reports

I selected all the accounts that had either my name, address of DOB that falsely identified me and submitted a report. They never removed those from my account.

This was a couple months ago so unfortunately I dont have any images of the complaints submissions. I thought it would make sense once they see my submission that those reports shouldnt be on my account.
Product: Money transfer, virtual currency, or money service

I cashed a check years ago with XXXX XXXXh ( NEVER CHECK N Go ) and the check was returned in which I paid the check back to the speedy cash location on XXXX XXXX because Check N Go would NOT cash the check that my work XXXX sent to me to travel right away and this was over 4 years ago. The company I worked for voided the check and issued a deposit instead which had me returning the funds. I am now receiving some type of fraudulent XXXX XXXX XXXX XXXX XXXX Check N Go XXXX XXXX, XXXX : # XXXX account number reference # XXXX XXXX Client XXXX I do not have a relationship with this company
Product: Debt collection

On XX/XX/2020 I received a collection amount of {$970.00} on my credit report from commonwealth financial System and this is not my debt it was done fraudulent I havent been to the hospital at that time.So I disputed this numerous of times and they continue to say its my responsibility and I know for a fact I havent been to the hospital at this time
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 confidentially under 15 USC 1681. 

accounts : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, violated my rights. 


15 U.S.C 1681 Section 602 AXXXX 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 a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio recovery is starting I owe them over {$2000.00} for a something back in XXXX, I have never heard of them before. I did not open an account or authorize an account to be opened with them. I asked for paperwork to be sent to my home that has my signature on it, they stated they cant do that. I disputed the account under fraud but they are still reporting it as open.
Product: Credit reporting or other personal consumer reports

This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Product: Checking or savings account

This issue has been unfolding over the last few weeks of XX/XX/XXXX, 2018, through early XX/XX/XXXX, 2018.

I maintain 2 checking accounts with US Bank. One is tied to my debit card and used to pay off credit cards. The other is rarely used, and thus has a low balance - under {$500.00}. I have had both of these accounts for around a decade. 

Last, I have a credit card through US Bank, for which the balance of about {$1000.00} was due in mid to late XX/XX/XXXX, 2018. 

I have purposely never had automatic payments to this credit card because I often pay it through outside checking accounts, but this time, US Bank 1 ) turned on automatic payments ; 2 ) turned on auto-payments only for the checking account with a low balance ; 3 ) did not turn it on for the checking account I generally use ; and 4 ) did not enable their system to pull funds from the larger account when the smaller account was exhausted, which it was.

I woke up to find a {$600.00} overdraft of the smaller account, and the larger account untouched, so I called US Bank and had them 1 ) reverse the payment ; 2 ) turn off automatic payments ; 3 ) enable overdraft protection such that if I attempted to overdraft the smaller account, it would pull from the larger account rather than overdraft ; and 4 ) reverse the overdraft fee.

This all seemed fixed until a few days later, when I found out that even though they reversed the overdraft fee and payment, that they forced the same payment to happen, and it overdrafted again and charged me 3 overdraft fees - the first, a {$25.00} extended overdraft fee from the first issue ; a new {$36.00} overdraft fee, and a third extended overdraft fee. 

I called them shortly after ( this is in the last days of XX/XX/XXXX ), to which they replied that they simply didn't do what we had discussed, despite agreeing to it. They did not stop that one account from automatically paying the credit card. They did not enable it to pull funds from the larger account when it was exhausted, and they continued to pile on fees. 

It would be a simple matter of phone calls except for their XXXX having made my car payment bounce. I have the funds, I guess I just don't get to control how they are used. 

I called today, XX/XX/XXXX, to which they claim to have fixed the problem. I am doubtful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc on all XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$13000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$13000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$18000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$18000.00} Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$850.00} Date OpenedXXXX
Product: Mortgage

My ex-boyfriend reached out to me because he was contacted by Fifth Third Bank numerous times this past month. Fifth Third Bank changed the phone number associated with my mortgage to my ex-boyfriend 's phone number, which is not associated with my mortgage. Fifth Third Bank did not give me an explanation as to why it changed or when it changed. To make a payment, I had to provide my ex-boyfriend 's phone number and then explain the situation, to which they said, " I do not know when or why the phone number changed. '' I talked to 4 different people who merely repeated, " It is fixed now, and that number will never be contacted again. '' I again requested information about when this change was made and was given the response, " I do not have access to that information. '' This is a huge security issue. What if he took out a loan against my house? This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit inquiry was not authorized to run my credit. It is a crime to run someones credit without permission. I am trying to purchase a home and this inquiry needs to be removed immediately as I have not run my credit for 4 months. It is not mine. 

Thank you
Product: Student loan

This dispute involves incomplete and inaccurate information on my credit reports with XXXX loans from the same creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XXXX have the same address. It is XXXX. XXXX XXXX, XXXX, WI, XXXX, phone number XXXX. 

The account numbers are XXXX ... XXXX ; XXXX ... ./XXXX ; XXXX ... ./Great Lakes XXXX ; and XXXX ... XXXX. 

XXXX of these loans are closed, paid in full with zero balances. Yet they are still being reported as " Adverse '' or " Negative '' with all credit bureaus except XXXX. They have been all removed with XXXX ( copy attached ). 

When I called the creditor 's toll free number listed above, XXXX was unable to find any accounts under my name. 

Please delete all XXXX accounts on my credit reports. 

XXXX account shows an outstanding balance of {$2400.00} as of XXXX XXXX. I owe nothing on this account. I have never received a bill yet it is being reported as current making monthly payments. 
I received a XXXX waiver from the XXXX XXXX. of XXXX dated XXXX XXXX, 2014 ( copy attached ) which wipes out all my student loan debt. Yet XXXX account, XXXX ... .under the credit name of XXXX XXXX XXXX XXXX shows an outstanding balance with XXXX late pays in its payment history.
Product: Credit reporting or other personal consumer reports

The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.
Product: Debt collection

After moving out of apartment, a few months later I was sent a collection from company reporting claiming I owed in unpaid rent. Although I have sent dispute letter with ledger payments, checks, dates and proof of payment and email confirmation between me and management stating that on the day of my move out I owed no money and actually was owed a credit of {$600.00}. Although all of this was sent this company continues to report this debt. When I contacted the apartment complex when all of this happened, the manager at the time admitted to me that their billing system had been glitching and that my collection was possibly apart of that. He was only there temporarily so he never resolved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX  Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX  XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}
Product: Debt collection

I have talked to them several times about removing the false debt from my report, this debt is hurting my chance to purchase a house. The account was used by someone else and not me, and their conclusion was that i was the person using the card and that it wasn't fraud.
Product: Credit reporting or other personal consumer reports

I'm extremely disappointed with the lack of accuracy in my credit report. I had expected a higher level of diligence and attention to detail. These errors are causing me significant inconvenience and financial harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against Regional Finance regarding the mishandling of my loan account during the period of my disability. My name is XXXX XXXX, and my account number with XXXX XXXX is unknown. XXXX XXXX Account # XXXX for XXXX dollars. 

In XXXX, I encountered a severe health setback which led to the XXXX XXXX XXXX XXXX, rendering me XXXX XXXXXXXX and consequently unable to work. As a result, I found myself in a situation where I could no longer afford to meet the monthly payments on my loan with XXXX XXXX. 

Upon reviewing the terms of my loan agreement, I recalled a clause about hardship defaults, which, if applicable, would relieve me from the financial obligation of repaying the loan under such circumstances. However, despite contacting XXXX XXXX and expressing my situation, I was neither provided with the necessary paperwork nor granted the relief promised under the hardship default clause. 

Instead, my account was sent to collections, leading to further financial strain and emotional distress. Despite my attempts to dispute the validity of the debt, it continues to appear on my credit report, inaccurately stating the date of account opening as XX/XX/XXXX. This account has been to multiple collection agencies. This misinformation not only affects my creditworthiness but also exacerbates the injustice I have faced due to XXXX XXXX 's negligence and disregard for my rights as a consumer. 

I firmly believe that XXXX XXXX has violated the terms of our agreement and failed to uphold its duty of care towards customers facing unforeseen hardships. Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. 

Enclosed with this letter, please find copies of relevant documents, including my loan agreement, correspondence with XXXX XXXX, and credit reports reflecting the inaccurate information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and fair treatment from XXXX XXXX. 

Sincerely, XXXX
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an 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 conviction 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

The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.
Product: Payday loan, title loan, or personal loan

I made a purchase from. XXXX in XX/XX/XXXX through Affirm and received a price adjustment through XXXX. I noticed that it was not applied to my account and I filed a dispute on XX/XX/XXXX. I was told that I could not make any payment while in dispute and that it would be resolved by the end of XX/XX/XXXX. I never received a response from Affirm and just noticed on XXXX XXXX, that my account was charged off. This is very shocking and unfair.
Product: Debt collection

I closed my account with XXXX XXXX and returned all equipment I had received from them. I received a closing statement showing nothing was owed. 
At a later date, I received a bill for {$420.00} for equipment not returned. As I stated, I had ALL equipment that had been in my possession, so did not and do not owe XXXX anything. I did not pay them. They had a debt collector contact me via email. I furnished information to the first debt collector, who investigated the issue. THE FIRST DEBT COLLECTOR CLOSED THE CASE SINCE I DID NOT OWE THEM MONEY. 

THIS FALSE ACCUSATION HAS AFFECTED MY CREDIT RATING, WASTED MY TIME, AND CAUSED ME UNDUE XXXX. PLEASE REMOVE ANY DEROGATORY REMARKS ON MY CREDIT AND CEASE AND DESIST THIS UNWARRANTED ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Debt collection

My first and so far only contact with synerprise consulting services has been a text message.They have not emailed or attempted contact by telephone. I'm told this is illegal, and that they must call first. I have had no emails or phone calls from the " XXXX XXXX XXXX '' they claim they represent.
Product: Debt collection

My business landline rang but no one was on the line from a number listed in California. I called it back but it rang to a recoeding that someone was trying to contact me. I then received a call on my business cell phone and it was ERC trying to confirm my address I immediately told them they were not to contact me at work and that I was a victim of identity theft multiple times. This afternoon I received more of these harrassing calls where no one was on the line and when I called it back turned out to be ERC.
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT AND I FILED A IDENTITY THEFT REPORT ON XX/XX/2019. IDENTITY THEFT REPORT # XXXX. I SET UP A IDENTITY THEFT PLAN WITH FEDERAL TRADE COMMISSION. IT INCLUDED CERTAIN ITEMS ON MY REPORT WHICH WAS REMOVED BUT XXXX  AND EQUIFAX REMOVED THE ITEMS BUT PUT THEM BACK ON MY REPORT 'S BUT IN A DIFFERENT COMPANY NAME. I GUESS THEY SOLD IT TO ANOTHER COMPANY. I DON'T UNDERSTAND AND DO NOT KNOW WHAT TO DO AT THIS POINT. I HAVE WRITTEN THEM SEVERAL LETTERS BUT YET AND STILL CERTAIN ITEMS STILL REMAIN ON MY CREDIT REPORT 'S AND KEEP COMING BACK ON THEM. THE NAME OF THE COMPANIES THAT STILL REMAINS ON MY REPORT WITH EQUIFAX IS PREFERRED COLLECTION WHICH ONCE WAS XXXX XXXX XXXX. IN THE AMOUNT OF {$380.00}. THE NAME OF THE COMPANY WITH XXXX  IS XXXX XXXX BUT IT HAS NO AMOUNT ON THIS ACCOUNT AND THE NAME OF THE OTHER ACCOUNT ON XXXX IS XXXX   NAME WAS ONCE WHY NOT/XXXX IN THE AMOUNT OF {$390.00}. I NO NOTHING OF THESE ACCOUNTS.
Product: Credit card

They closed my account over 60 days AGO because of a miss payment, instead of charging me the late fee they closed it?, I never paid the minimum always the full ammount and it also was a secured card, they told me in 5 weeks I would get my check mailed to my house, and nothing, I need the check with the full balance + the secured deposit which was XXXX $ + the balance I had in my favor
Product: Credit reporting or other personal consumer reports

i check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts