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

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) as proof from the XXXX 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 card

I applied and got approved for USAA XXXX World MasterCard. It came with a {$200.00} statement credit offer if I make XXXX purchases by XXXX XXXX, 2016. After I made XXXX purchases, I called USAA customer service to check when the statement credit will be issued. USAA denied the existence of this offer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old late pay on my account that is since closed but i don't ever remember having it. I am always set up on automatic payment so I'm confused how this late pay is on my report. I have tried contacting them to get it removed. The address they have for me isn't even an address i had. Can you help me to get this removed as it is damaging my credit score and keeping me from getting the best interest rates.
Product: Credit card

I opened a dispute with Discover Card because I was over charged by XXXX Moving Truck company for gas along with an invalid late fee for car trailer return. I provided Discover with the receipt for filling the gas tank at the station across the street right before the return, along with the return information for the car trailer. After Discover did what they claimed was their " investigation, '' which was nothing more than obtaining a falsified document, which was signed by XXXX of XXXX 's employees, the dispute was ruled in XXXX 's favor. I then informed Discover that the signature on the document provided to them was not mine, I also pointed out that I was only obligated to fill the tank up to where it was when I received the truck, which was documented on my sign out invoice, but instead I filled the tank to full, Discover reopened the dispute. In the meantime I called XXXX in objection to their employee signing their name on the customer portion of the document that they sent to Discover, they agreed that it was inappropriate and looked into the matter further. When they got back to me, they apologized and said they would credit my account for {$150.00} which included the {$73.00} disputed amount, plus an extra amount for my inconvenience. I informed Discover of the outcome. After XXXX credited back my account and everything was settled, Discover still had my account notated as the dispute being resolved in XXXX 's favor and the charge as being valid. When I called to make them aware of this misinformation, I was told that there was nothing they could do about it because the information was pre-printed. I asked that it be manually overridden so it would be reflected on my account accurately. After going back and forth trying to get the information corrected, I called the executive office and spoke with XXXX XXXX, which also resulted in no correction on my account. This company 's inability to document correct information is unacceptable and this level of complacency, incompetence and mediocrity is appalling. My account needs to be documented correctly to reflect the correct information. The employees at this company just throwing their hands up and saying there 's nothing we can do because something is pre-printed is ridiculous and I would like my account corrected properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

State licensing authority did a credit check on me and reported to me a company named XXXX and XXXX XXXX alleges I owe a debt in the amount of {$550.00}. I called both companies. Neither one knew who I was. Neither company had my name or social security number in their database. I am unable to have this stop being reported. I asked them to remove no answer.
Product: Debt collection

XXXX ( automated dialer call from Volkswagen credit ) has called me XXXX times in the past XXXX months without my express consent. I have called and asked to speak to a supervisor regarding this, one was supposed to call me back and never did. I attached screenshots of the dates and times of the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX : {$1600.00}
Product: Debt collection

They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.
Product: Credit reporting or other personal consumer reports

I am attempting to get access to my Equifax report however it is not reporting accurately and it is blank. I have requested this be revised and never got a response.
Product: Credit card

Capital One discontinued their partnership with Walmart credit cards and told me that it was going to be changing to a quicksilver card. I didnt love the terms of the quicksilver card so I began looking into the other options and found a Venture card that was offering XXXX miles after {$4000.00} dollars spent in the first 3 months. I then applied on a separate window for the venture card. I believe that when I attempted to log into capital one to apply for the venture card it saw that as me trying to change my Walmart turned quicksilver card into a venture card. After 2 months I see no implication of my sign on rewards so I call on XX/XX/XXXX and submit a claim that should take 10-12 business days. On XX/XX/XXXX I call again because I havent heard any updates and I learn that there is no claim number associated with my case, but there has been an indefinite delay. So I call back on XX/XX/XXXX for another update still no claim number and still no updates. However now Im told that it may take an additional 42 days before my case, with no case number, can be reviewed. Simultaneously Im told by supervisors that I upgraded cards so I will never be entitled to benefits.
Product: Debt collection

COLLECTION BUREAU OF A is claiming that I owe them {$760.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

I did a balance transfer with Capitol One. Capitol one completed the transfer on line electronically. The electronic check was made payable to, XXXX XXXX in the amount of XXXX dollars. The electronic check was cashed by, XXXX XXXX. My bill was never paid. Capitol One has the electronic check and sent me a copy. it is clearly payable to XXXX XXXX and endorsed by XXXX XXXX. To add insult to injury Capital One mailed me a letter on XX/XX/2018 stating, after researching your account we found the error may have occurred by your bank. Please contact bank. THEY ARE THE BANK. 
I have been trying to resolve this since XXXX. Capitol One is aware there was an error and my bill never paid. XXXX XXXX sent Capitol One a full refund of XXXX dollars on XX/XX/2018. Check number XXXX. 
Capitol One has not premitted me to speak with any one over the account supervisors. They will not provide me with any physical address so I may write a complaint. I have made about 40 telephone calls in effort to rectify this error. Capitol One refuses to set up XXXXthier a bill dispute, or fraud charge and is requiring me to pay the XXXX I DO NOT OWE ... until the investigation is complete. This investigation has been going on since XXXX. There is no one else I can speak with or write too. I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} XXXX   XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

Transunion can not be accessed by myself or my wife online. This problem has persisted for several months. Calling them is the only choice and very difficult. Why can we not access this feature online. It is very time consuming to deal with them on the phone and not nearly as secure! The only one of the three that is not doing what they say. It is very critical to keep our records safe and also be able to lock/unlock unencumbered!!!
Product: Mortgage

We rescinded a refinance loan with JP Morgan Chase Bank. Chase refuses to refund us our good faith fee for the appraisal. The money was pulled from my Chase Credit Card without my permission. I 've sent emails requesting a refund per the rescission guidelines but I am getting no responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 an email was sent to Equifax XXXX XXXX XXXX XXXX regarding a breach in my account, i.e. an unauthorized party changed my residential address on file. The following Monday, XX/XX/2022 I reached back out by telephone to XXXX 's Equifax Corporate office and spoke with a XXXX XXXX in the Consumer Affairs department. XXXX XXXX worked very diligently to verify my identity but to no avail, we could not complete the process but through no fault on XXXX XXXX 's behalf. I was unable to get a clear image of my ID and answered incorrectly to the date to when I applied a Freeze on my account with Equifax as I had done with the other 2 credit bureaus '. I realized this after the fact. I simply let XXXX XXXX know how grateful I was and that I would get my act together and phone back the next day on the XXXX of XX/XX/2022. Unfortunately, through no fault of my own, I was not able to phone the Consumer Affairs department on Tuesday prior to their close of business day. Thus, the following day, on the XXXX of XX/XX/2022, I phoned with my neighbor by my side to aid in photographing my ID since I was not able to complete the process the first time with XXXX XXXX. However, the agent that I spoke to this time simply stated it was against company policy to send me a copy of my credit report with the incorrect and unauthorized address on it. I asked the agent if this was something she was reading from in the notes in my file because that was in contradiction to what I was trying to accomplish with XXXX XXXX on Monday the XXXX of XX/XX/2022. I told the agent that I understand that she does not know the history on the account and thanked her before saying goodbye. 

I have not moved thus, I did not change my address. I need to file a police report for someone attempting to steal my idenity and I can not do so without a copy of my account information with the psuedo-address on it. I do not hold Equifax responsible. 

Please assist me in this matter Kindest regard, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Omega Rms has violated my rights 15 U.S.C 1681b ( a ) ( 2 ) [ ( 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 data of an account without my written instructions. The company is falsely accusing me of owing them on behalf of XXXX XXXX XXXX {$3700.00}. for services I never used and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.
Product: Credit reporting or other personal consumer reports

I don't owe the debt that's showing on my credit report. Sent attached letter on XX/XX/23 and never received requested information. It's past the 30 days and should be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. Again, it appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. There are still remaining items on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. Here is the list of items that not belong to me : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX AV XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX
Product: Debt collection

This is my 2nd complaint for this company. I have asked for a debt VALIDATION with my ACTUAL SIGNATURE AND CONTRACT WITH THEM but yet they failed to provide me with the proper documentation. I do n't need a verification I NEED A VALIDATION OF DEBT. since they failed to provide with the correct documentation I am requesting an IMMEDIATE deletion from my credit report in all 3 bureaus as this collection is affecting my credit score.
Product: Student loan

I sent an email to XXXX XXXX XXXX to request the XXXX XXXX XXXX for private loans. They responded that my loan type does not qualify. I called the customer service number and was informed that because my private loans are consolidated, they would not qualify for discharge. 

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX from XXXX. Since that time, the school has closed and has been accused of a myriad of recruiting and lending misconduct. I am currently in process for having the federal loans associated with this school discharged and have been informed that I have been approved for this action. Additionally, Navient has settled a lawsuit with private loan borrowers for this same school discharging private loans due to shady sub prime lending practices. Borrowers with loans in default were granted the discharge, but borrowers like myself that have tried to do the right thing were not included. 

I have been in default multiple times over the past XXXX years and was steered into high interest XXXX. At the time of the lawsuit, my loan was current. In XXXX I was in default for XXXX months, and again in XXXX was in default for XXXX months. 

My current balance is {$73000.00} on these private loans and the original loan amount when consolidated was {$72000.00}. I've been in repayment since XXXX and have paid a total of {$84000.00}. I've done my best to manage these loans over the years, but after XXXX years in repayment I owe more than I originally borrowed after paying more than the original loan amount. Something is definitely wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Penn Credit Corp is reporting a collection on my XXXX, XXXX, and XXXX XXXX XXXX for a debt that they do not own. The original creditor is The City of XXXX and they own the debt but Penn Credit is reporting and attempting to collect on a debt that they do not own and has been Paid In Full to the original creditor, City XXXX XXXX in full. They are also adding fees of XXXX which is not owed to the city of XXXX and they do not own the debt that has been paid in full to the original creditor and is reporting to my credit bureaus. Per telephone discussion, they should be removing the collection from all three credit bureaus. There is no outstanding debt owed to The City XXXX  XXXX as the {$260.00} balance owed to them has been paid. On XX/XX/2022, I spoke with Penn Credit who advised that they have the ability to remove the listing on my credit report. I also spoke with XXXX, a manager at the city XXXX XXXXXXXX who advised that she spoke with Penn Credit Corp and confirmed that they have the ability to remove the listing they are reporting for a debt that has been paid to the original creditor in which Penn Credit doesn't own. 
Prior to XX/XX/2022, I have never communicated with Penn Credit or received any written correspondence. They clearly sent items to an incorrect or old address as I never received anything from them. I contacted them by retrieving their number from their listing on my credit file. The city XXXX XXXX also has the ability to pull this from collections as they have been paid. They sent me the portal screenshot showing that Penn Credit had a bad address for me which is why I never received anything from them. I have requested Removal from all three credit bureaus as Penn Credit is reporting debt they do NOT legally own that has been paid to the original creditor that doesn't exist as it has been paid.