23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX i accepted an offer from Discover to consolidate my debt with them. 
I explain that the amount of {$1200.00} needed to be send to XXXX XXXX XXXX  ( and provided the account number ending in XXXX ( the payment instead was mail via check to XXXX XXXX XXXX XXXX and it was deposited to a different account number XXXX XXXX XXXX 
XXXX  XXXX was nice enough to send me a letter dated in XX/XX/2021 they are not affiliated to XXXX XXXX and that the address that reflects the payment address it's for XXXX  XXXX. 

I've been trying to reach a resolution with Discover since XXXX and all i get is the run around and this balance it's still showing on my Discover Personal Loan. 
I need them to remove this charge soon as possible
Product: Debt collection

Enhanced Recovery is showing a debt from an XXXX XXXX XXXX account from XX/XX/2020 that does not belong to me. My cell service is. through XXXX and I have had the service for approximately 3 years. My cell phone number with XXXX is XXXX XXXX XXXX XXXX.
Product: Debt collection

On Saturday, XXXX XXXX, 2024, at approximately XXXX am, someone knocked on my door and served me a court document about a fraudulent account that was opened in my name stating CKS Prime Investments , LLC VS XXXX XXXX XXXX. When I asked the person what this was about, they mentioned that a credit card company named XXXX was trying to sue me or collect a debt for which I have no knowledge. This credit card was taken out with XXXX and then sent to a collection agency called CKS Prime Investments. On Monday. I called CKS Prime Investments to understand the situation. They couldn't assist me and directed me to contact to their attorney, XXXX. CKS Prime investment also mentioned that they are also called XXXX. When I called XXXX, they asked if the account was fraudulent, and I confirmed it was since I hadn't opened it or have ever heard of this credit card company. They began detailing the purchases made with the credit card, including transactions at XXXX and payments to XXXX. I immediately knew it was fraud because I have never used my card to pay the light bill ; my siblings used to handle that, and now my spouse does. So, was certain the account was fraudulent. XXXX informed me that they would send a fraud document form for me to fill out and return, but I have not received said document as yet. They said the company would then investigate the source of the fraud. That concluded my conversation with the attorney. I am writing to see if there is anything you can do to help, as this is the second court document I have received for a fraudulent account in my name. I would greatly appreciate any assistance you can provide. Thank you very much for your support and understanding in this fraudulent situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Experian to confirm the disputed account and take out if unable to show that the account is mine. I have been a victim of Identity Theft and the account I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please delete the account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Macys Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bank. XXXX  XXXX XXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open XX/XX/XXXX.
Product: Mortgage

I was with a loan company SLS and was told that my XXXX months will be at the end of my loan. Then with out me being notify and many calls to them following my loan was transferred to other loan company. So with thatbeing said now I 'm dealing with new mortgage company with loan being behind and in process of forcloser. This not a good for any XXXX to go through. The thing is I called SLS every XXXX to XXXX days and every person said it was getting taking care of. I feel each persons know what was going on did n't shave to deal with what was pride. This is not good customer service at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO PREVENT FUTHER STALL TACTICS FROM EXPERIAN
Product: Credit card

Ive attached an Identity theft report with the company names and dates they placed hard inquiry on my report that I dont recognize.
Product: Debt collection

I have reached out to Santander Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX receipt # XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XX/XX/year> XXXX XXXX XXXXL receipt # XXXX XXXX XXXX XXXX XXXX XXXX ( following up ) then again XXXX, XX/XX/year> VIA CERTIFIED MAIL receipt # XXXX XXXX XXXX XXXX XXXX XXXX. I received return mail receipts from XXXX XXXX on all of the certified mail on XX/XX/year> XXXX XXXX & XX/XX/year>. I am continuously receiving unfair credit reporting monthly of this debt which has decreased my credit score tremendously, Santander was harassing and sending threatening emails and calls after I advised them to only contact me in writing by mail. Since XX/XX/year>, as I was shopping for the hurricane XXXX, my vehicle had been illegally towed and seized and I am being denied my personal property inside of it because I do not have possession of the key card. The tow company in charge has had us come out several times and had us wait hours been very confrontational when we simply just want our property, always give us an excuse not to be able to get my belongings I had to call the police on XX/XX/year> in which the police told me to file this dispute because this is a civil matter and they can not be involved. I need to get my items including over {$1200.00} in cash, several gift and credit/debit cards, jewelry, dl, social security cards, personal phones, hotspots, clothes, other items, and food ( that by now has gone bad and can cause additional damage to the vehicle ) .I was highly XXXX  had to be XXXX behind all turmoil and is in pain & suffering from of this. My credit needs to be restored and this situation needs to be remedied immediately and expeditiously.
Product: Debt collection

I received an email from Credit Control LLC on behalf of XXXX  regarding a fraudulent account. On the email it had someone else 's address. This account does not belong to me and I'm prepared to go to court.
Product: Credit card or prepaid card

I'm too respectfully decline your decision regarding amazon card card that obtained under my name that insist i used ( XXXX ). I went online look your application there is no place asking for mothers maiden name that you could verify I only know. the rest information was obtained my account was use as well like i notified to make payment i never noticed. when i noticed i notified the bank but the told i wont recover the loss and i closed the account. All information has been obtained by him i go to university in the morning and work in the afternoon till night time. I ; m not home to check mail box before him or recived any mail without him looking at it first.
Product: Credit reporting or other personal consumer reports

I sent letters out XX/XX/2023 to XXXX, TransUnion, and XXXX, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX FIN Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX XXXX XXXX continue to report an alleged debt that I do not owe. I have no obligation under law to pay this debt and neither company provided me with a notice of my right to dispute this debt before it was added to my consumer report.
Product: Credit reporting or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion,  XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 vears. 
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. XXXX 's accounts XXXX charge of
Product: Debt collection

In XXXX of 2015, I went to a presentation about a XXXX in XXXX XXXX. I was told that I had an allotted amount of days to cancel the contract. After discussions with my family, I wrote a letter and cancelled the contract within 3 days. 
Later in the year, I receive a bill from Meridian Financial Company for account XXXX. I contacted the company and stated I had sent a letter within the allotted period to cancel the contact. I was told there was a letter but it was not received within the allotted time. I refused to pay because I sent the letter certified mail and I knew the company had received the letter within the allotted time. 
In XXXX of the same year I received a bill from Meridan Financial Company for account XXXX. This {$980.00} bill was for the yearly maintenance fees for the above account. I had cancelled the original contract which included the maintenance fees. I contacted the company again. I was told again that the letter was not received within the allotted time. 

Account XXXX is showing as a charge off on my credit report for {$7100.00}. I would like both of the charges to be taken off my credit report because I followed the guideline and Meridian Financial did not. Even after acknowledging they had received my cancellation letter.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my informations. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.
Product: Debt collection

In XXXX of XXXX, I received notice from XXXX reminding me that I had {$400.00} to use in credit. {$400.00} was my credit limit/high and since it was the holidays, I decided to use it. I purchased XXXX items, a facial steamer, a portable hand held wash machine and an indoor grill. I will include pictures of the XXXX items. The total was approximately XXXX. My payments were XXXX per month. Sometime during my financing, XXXX sold or changed ownership. This is where the confusion comes. In late XXXX, I was told I still owed approximately XXXX in which I paid. I paid and called XXXX XXXX, the new company in late XXXX to advise they had already been paid the full XXXX. They advised me on that call that I still owed {$400.00}. I argued that this was a mistake and I wasnt going to pay anything else. In early XXXX, I received notice from a collection company that I owed XXXX. I argued that they remove the charges immediately as I have already paid. I asked them to submit proof of the original debt as well as record of all payments made. Never received it. I then contacted each credit bureau and asked that they request the original debt and proof of payments and they never did. Instead, each bureau said that the debt was confirmed by the creditor to be valid. I have the recordings of all the calls with the creditor, Resurgent Capital LVNV Funding LLC. Just this past Friday, I again advised the creditor that I have made more than XXXX payment as they had been claiming. I told them I could provide proof of the payments because I actually got an email each time the payment was made. I uploaded just XXXX which is the XXXX their site allowed me to upload, which was more than the XXXX payment they claimed I made. The dispute I put in this past Friday, which was not my first, was shot down as insufficient proof. I also advised them that I was in the process of purchasing a home and that if we can not rectify this, I will have to take legal action. Right now this debt is causing my rates to be higher. It was calculated that this company is costing me {$30000.00} right now and I will want to collect this amount as well as all attorney fees in court. I have dealt with this company on another debt that I owed and paid with no problem, but I refuse to pay a debt that was already paid. Please note : there are more payments made than have been uploaded which I will reserve for court. This company should have a record of all payments made. If you listen to the recording, you will hear them advise me that they only have a record of XXXX payment made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute errors on my Equifax report for the past few months. And their services are very hard to work with. I am able to submit the dispute online without a problem. But when it comes time to check the status it gives me error messages stating that my information is incorrect. When I know for a fact it isn't. I contacted them directly and they stated that there is something wrong with the online portal. And I've been getting this " something is wrong '' notice since XX/XX/XXXX and we are in XXXX. But disputes I submitted came back after 28+ days and said the information was accurate when it wasn't. I don't know what my options are at this point because Equifax isn't being helpful in me getting this information removed from my report. I contacted the Credit Union and they verified the correct number that I told Equifax it was ( which is what is reported on my other 2 reports ) and I asked that they correct it right away. But I don't understand why the correction wasn't made in the first place with the dispute. 

It seems like there should be some kind of justice for them reporting the wrong information after a dispute has been filed. The creditor took my vehicle and it was not a peaceful retrieve my husband was in the car when they took the keys out and repossessed the car. They hiked my monthly payments up from {$500.00} a month to nearly $ 900 month because they added insurance. Making it impossible for me to pay. It was very predatory. When they took the car I had made 2 of the late payments and there wasn't a balance but they told me that since they took the car I would have to pay the entire loan out to get my car back. 

This has been very stressful and I just want to get everything resolved. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Product: Checking or savings account

On XX/XX/XXXX about XXXX I went to citibank atm # XXXX outside address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I called XXXX and police and they told me to go to bank on business hours. On the XXXX  I called their costumer service and they said they couldn't help me that I need to contact my bank card banker because I was not a citibank client. I showed up the next day to the bank in the XXXX and they told me they couldn't assist me because I was not a client and I needed to have my XXXX  or XXXX file a claim but XXXX can't because it shows money was assumed dispensed and it took it out of my XXXX. XXXX customer service says I need to go through citibank but they need to check the cameras to show i didn't receive any thing and help me file a complain it's their atm machines.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate late payment information on my credit reports from Experian, XXXX, and XXXX regarding my account with XXXX XXXX XXXX. 

My credit reports currently show two late payments for XX/XX/year> and XX/XX/year>, which I believe to be incorrect. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate, verifiable, and fair. Since these late payments are inaccurate, they must be removed immediately. 

Please provide written confirmation once the corrections have been made. If further information is needed, I can be reached at the contact details listed above. 

Thank you for your prompt attention to this matter. 

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

ON MY XXXX ACCOUNT # XXXX IT WAS CLOSED IN XXXX WITHOUT MY AUTHORIZATION I REASON TO BELEAVE EQUIFAX HAD SOMETHING TO DO WITH IT I FILED A DISPUTE ON THE XX/XX/XXXX THRU A XXXX DISPUTING SYSTEM THE DATES WASN'T REPORTING CORRECTLY WITH ALL XXXX CREDIT BAREAUS AND THEN ON XX/XX/XXXX I GOT A EMAIL SAYING MY ACCOUNT CLOSE BECAUSE OF E-OSCAR THE DISPUTING SYSTEM THE CREDIT BAREAUS THE NEXT DAY. UNDER 15 USC 1691E IF A CONSUMER USES CONSUMER LAWS TO FIX HIS CREDIT REPORT IF A CREDIT REPORTING AGENCY TAKES ADVERSE ACTION AGAINST ME AND CLOSE MY ACCOUNT IS CLASS ACTION CASE ON WHAT PURPOSE CANT GET FUNDING FOR MY BUSINESS I GOT A LLC FINES UP TO A MIUMMIUM OF {$500000.00}. I GOT PROOF OF THE ADVERSE ACTION AGAINST ME IF IT CONTINUES WILL RESULT IN LEGAL ACTION TO THE CONSUMER REPORTING AGENCY AND WHEN THE CONSUMER REPORTING AGENCY GOT THE ACCOUNT CLOSE THERE IS MISSING INFORMATION ON THE REPORT ON EQUIFAX WEB SITE IT'S NOT SHOWING NO INFORMATION UNDER 15 USC 1681I PROCEDURE IN CASE OF A DISPUTED ACCURACY A INCOMPLETE CREDIT REPORT IS A VIOLATION OF MY CONSUMER LAW RIGHTS A CREDIT REPORT POST TO BE ACCURATE AND COMPLETE. UNDER 15 USC 1681-1681X UNDER THE FAIR CREDIT REPORTING ACT THE CONSUMER REPORTING AGENCY VIOLATED MY RIGHTS THEY TOOK ADVERSE ACTION AGAINST THAT ALONE SHOULD REMOVE THE CLOSE ACCOUNT FROM THE REPORT