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

MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  XXXX of XXXX. Also Receive a email from XXXX  today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling XXXX  i have a list of account that was open and use without my consent i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXXXXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IF XXXX Failed To Remove These Accounts or Do A Proper Investigation Into This Matter By Providing Proof Of Verification Such As Contracts Sign Ducs, and Proof Of Id Ill Be Seeking Legal Assistance To Press Charges!
Product: Credit reporting or other personal consumer reports

I paid a third party collection company And now the original debt holder XXXX is refusing to remove from my credit report
Product: Credit reporting or other personal consumer reports

I am a new immigrant who just logged on and because I needed a loan to buy a car I filled out and signed a loan counseling application at XXXX XXXX but to my surprise they gave it to almost XXXX loan companies for review which caused serious damage to my credit, no one told me to do this and I didn't even know that I was being counseled multiple times until I received the appraisal reports from multiple loan companies. These loan companies had no direct documentation of my signature authorization. I am filing a complaint about these actions and would like the opportunity to repair my credit report. 
The following are the companies and times that inquired about the reports without my signed authorization and these inquiries are considered third party actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am very upset! 

I have submitted several disputes by mail to the credit bureaus to fix incorrect and incomplete accounts in which they fail to properly verify. I have yet to receive a response or solution from them. 
I have provided them with a very DETAILED dispute letter, clearly identifying the specific account names, numbers and details as to why it is reporting inaccurate and/or incomplete. 
I have even included screenshots of each account specifying the inaccuracies and incompleteness. 
I have still not heard a response to fix this issue, it has been well over 30 days for them to respond. 
THIS IS ABSURD!! HOW DO THEY HAVE THE LEGAL RIGHT TO CONTINUE TO REPORT INACCURATE INFORMATION WHICH IS CLEARLY IN VIOLATION OF THE FCRA!!!
Product: Credit card or prepaid card

i made was in line at home depot on XXXX in XXXX ny. a store employee approached me and told me if i get the home depot credit card i would get XXXX dollars off the purchase in store and XXXX dollars off my first bill. i believe this was in XXXX. i signed up for the card but did not have my id so i could not use the card. i got my id a couple weeks later and went back and spent XXXX $ on the card. i asked the clerk several times if i would be getting XXXX dollars off the first purchase and XXXX  dollars of the first bill and the confirmed i would several times. i was glad i had to go get my id actually. i felt like being able to talk with someone else would really confirm the great deal the other employee offered with this card. so i made the puchase and was never granted XXXX dollars off my credit card bill. i called the home depot credit card department and talked to a superviser they said call the store. i called the store and they confirmed the promotion was correct and i should have gotten the XXXX $ off but told me to call the home depot credit card department again.
Product: Debt collection

Merchants Credit Guide XXXX XXXX XXXX XXXX XXXX, illinoi XXXX XXXX This is a multiple offense of a company that has issued collection on my credit report. Each report was found unsubstantiated by all Credit Reporting Agencies. I placed a note on my record after each company investigated to refer to their own investigations before reporting the above and fraudulently adding same to my credit profile. They never produced a bill and can not prove the charge. I wish to report them and THE CRA 's for being negligent. I do n't know how to keep this from recurring.
Product: Checking or savings account

In XXXX I called direct express concerning charges that I wasnt familiar with. They credited my account my account XXXX a some dollars. Then took it back out. Then on XX/XX/XXXX they took {$470.00} out for both XXXX and for an account Id never heard of and never agreed to. And so they paid them twice and wont even listen to me.so Im outthatmoney twice. And I cant afford this on what I get.
Product: Credit card or prepaid card

CapitalOne opened a credit card in my name XXXX XXXX, XXXX. I never received the card. It 's never been used. I ca n't log into online banking,
Product: Debt collection

This creditor XXXX XXXX has been harassing and negatively reporting me to the credit bureaus for years for a debt that's not mine. There currently are using collection agency of Credence Resource Management LLC. I've disputed this and asked for proof of validity and my signature of this allegation. They have failed to present proof that this is my debt.
Product: Credit card

I called to cancel this membership. I do n't even remember calling them. That is not to say that I did n't ... I just honestly do n't remember. When I called to cancel and get {$39.00} refunded to my credit card I was told that it would be placed back in my account in 3-5 business days. That never happened. THen I received an email saying that the request was not approved.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX Bank account to Huntington National Bank at the instructions of the scammers. 

Given that their client, owner of XXXX number XXXX an active participant in the movement of my money, which eventually ended up with the Company, Huntington National Bank have not exercised their duties to identify this suspicions scheme in a timely manner.
Product: Debt collection

A walk through was completed when I moved out of my apartment with the staff present. No damages were mentioned or recorded. XXXX XXXX XXXX nor XXXX XXXX XXXX not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting. The apartment complex was also provided my forwarding address. XXXX XXXX XXXX did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. I can not dispute or pay an alleged debt I dont know about! An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed.

As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. 


XXXX XXXX XXXX sent the credit bureau an itemized list that was typed up on a word document!!!! It was not in the leasing companys letterhead. Nor was it dated. Nor was it signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit bureaus to VERIFY this debt? I cant even view or dispute my credit report without proof of identification. But a NO NAMED PERSON can VERIFY *MY* DEBT? The evidence submitted I believe was fraudulent! I have attempted disputing this debt with the CREDIT BUREAU online and via mail. I have even followed up directly with the creditor. No one will VERIFY this debt or tell me the method of verification! 

I am requesting the following evidence as a method of verification or this debt deleted immediately : Photos of alleged damages or a copy of an awarded court judgement. 
Copy of the maintenance requests I reported for 2 old appliances listed MONTHS PRIOR to my move out date. 
DATED rental inspection checklist that was completed when I moved out that lists the alleged damages that MATCHES the typed sheet of paper itemized list. 
Notice of any alleged debt from XXXX XXXX XXXX to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! 
A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name.
Product: Mortgage

XX/XX/2019/ $ XXXX insufficient credit history-suntrust bank/XXXX XXXX/ federal equal opportunity credit act/
Product: Debt collection

I am writing to address the recent denial of my dispute claims on my credit report, and I am greatly disappointed to find no supporting documentation justifying this denial. As a victim of identity theft, I have been actively working to remove these fraudulent accounts from my credit report, but the credit bureau has not provided any assistance. The accounts in question are XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. I urge you to treat this matter seriously and take the required steps to resolve this issue promptly. I anticipate hearing from you soon.
Product: Debt collection

Good afternoon : On XX/XX/XXXX at XXXX PST and today XX/XX/XXXX at XXXX PST I have received phone calls and voicemails from a number missing one digit - XXXX and a person by the name of XXXX XXXX leaves me messages that he has received legal documents under both my name and social and that any questions need to be directed using the file number XXXX and to call XXXX. I called them back on XX/XX/XXXX XXXX PST and spoke with a XXXX XXXX she said she was is the XXXX  XXXX XXXX department, did not provide the name of the company but when asked she said they are from XXXX XXXX XXXX XXXX and that I have a collection account from HSBC/XXXX XXXX credit card number ending XXXX that defaulted on XX/XX/XXXX for the original amount of {$1300.00}. Their client is willing to accept half of the amount owed, {$660.00}, but it must be today XXXX by XXXX Eastern Time or they already have someone in my area to serve me with a civil action suit. Furthermore, if this happens I will then be responsible for not only the original amount owed but for attorney fees, court fees etc., totaling {$3600.00} and they will garnish my wages and place a lien on any assets I might have. I tried XXXX their number and looking up the name of their company, but can not find anything except the word Fraud when i XXXX them. I am listing the numbers and name ( s ) below for them : XXXX XXXX XXXX XXXX XXXX Rep. XXXX XXXX Rep. XXXX XXXX File #  XXXX I am hoping you may help me with this matter.
Product: Mortgage

On XX/XX/XXXX, XXXX, on behalf of LakeView Loan Servicing, paid out {$1700.00} to City of XXXX XXXX for our condos Q4 XX/XX/XXXX taxes. XXXX did not have the correct block/lot/qualifier information so that amount was not paid to correct tax account and did not get applied to our condos tax bill. We immediately contacted them about this error, and in the past fifteen months we have called and emailed the XXXX customer support team multiple times but the issue keeps getting closed in their system with no contact and no resolution. 

When the XX/XX/XXXX tax payment was reported to us by XXXX we called the XXXX   support number to report the mistake as well as to inform them that, as per the mortgage documents, the XX/XX/XXXX taxes were to be paid out of closing costs so the full amount needed to be refunded to our escrow account. We were advised to email their support team with the details so they could correct the block/lot/qualifier information in their system and request the refund. We emailed those details on XX/XX/XXXX and did not hear back. 

We called and emailed a few times in XXXX and early XXXX to ask about status and ensure the tax account information was updated before the XX/XX/XXXX Q1 payment. We were told the case was open and would be resolved before that next tax payment. XX/XX/XXXX Quarter One taxes in the amount of {$1800.00} were paid on XX/XX/XXXX, and were again paid to the wrong tax account. After a couple more phone calls the tax qualifier information was updated in the myLoanCare system, and a refund was requested on XX/XX/XXXX. This was not communicated to us by myLoanCare, we had to contact the City of XXXX XXXX Tax office to find that out. 

In XX/XX/XXXX XXXX XXXX refunded {$1800.00} ( the amount of the XX/XX/XXXX Q1 payment ), but denied the Q4XX/XX/XXXX refund. XXXX 's support team closed the case as a refund was made, but we were not informed until we called back to ask status. We informed them at that time that there was another payment that needed to be refunded and had the case reopened. 

Since then we have contacted XXXX support team over thirty times and are constantly informed that the case has been closed since they received a refund. We have reopened the case each time and are informed the tax department will look into it, only to find the case is again closed with no contact. On multiple calls we have requested they provide us any documentation available about the tax payments and their correspondence with XXXX XXXX requesting a refund so we could ask our real estate lawyer to assist providing proof of overpayment to XXXX XXXX, but it has never been sent to us.
Product: Student loan

I attended XXXX XXXX XXXX XXXX in the year of XXXX XXXX for XXXX XXXX .The school went bankrupt and left many students in debt and devastated. We still owe the loans For Careers we cant get a job in. The school closed down. We have been fighting this case it has been a lengthy and exhausting process. I filed a report with the Student Loan Ombudsman U.S. Department of Education and still waiting to hear back for my My borrower defense claim for the XXXX XXXX XXXX XXXX. 

Our loans keep moving around from XXXX which was the original creditor to XXXX  to aid advantage. 

I have student loan debt totaling out to {$28000.00} dollars with XXXX  student loans I was recently told the CFPBs investigation of XXXX  kicked off a series of efforts by state and federal agencies to examine forbearance steering and other breakdowns in the income-driven repayment program. Those efforts have resulted in more than {$50.00} XXXX in debt relief for more than XXXX XXXX borrowers who were wrongly steered into forbearance, as well as those who had payments miscounted. 

I just want this headache to be over for all the students that attended ( XXXX XXXX XXXX XXXX ) it is now XXXX and we still cant get a job with the certificates this school gave us because they lost their accreditation .please help me
Product: Vehicle loan or lease

Contacted Kia XX/XX/2021 when I had XXXX. They put me in a COVID payment arrangement which I kept, and still reported me 30 days late. I've contacted them multiple times which they make me dispute thru the credit agencies. So ive disputed this multiple times with it still coming back as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the XXXX XXXX XXXX effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The Name and the address are incorrect I have called and to multiple representatives from The 3 credit bureau and they are not fixing it XXXX Equifax XXXX
Product: Credit card or prepaid card

My Wells Fargo Credit Card is being declined for the past two months for at least 8 times. I have called various department of Wells Fargo. Wells Fargo is not doing anything to fix the problem. 
I am embarrassed every time my card is declined. This decline waste my time and seller 's time. And also waste my time again when I call wells Fargo Bank. 

Their customer service department is not friendly and even rude as if I am calling to pay debt to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. - There are two different payment status- Date of last activity is different on all reports. - Date of last payments is different on all repots.
Product: Credit reporting or other personal consumer reports

I am current on my payments. I have asked for a hardship repayment plan which was granted. I have been making payments every month. However, they continue to report me as late. They received payments every month from me. I am not behind on any payments. However, the payment is not being applied to the balance due. The balance due is not updated. The interest rate was below 12 % apy when I applied. Now when I log in to upgrade.com the rate says 17.5 % and that I am delinquent. This is a violation of my privacy. Please fix my acount now. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''