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

I was a victim of identity theft. There are inquiries on my XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-2016 Not my account Fraud account identity theft
Product: Student loan

Sallie Mae has refused to disperse {$7000.00} of a {$20000.00} loan that was contracted to be paid to XXXX XXXX School for my tuition. They attempted to gain my approval for this unwarranted unilateral renegotiation by notifying me in the middle of the night from a no reply email, claiming that my school requested the change. My school called their claim fraud and said they made no such request. I relied on my contract with Salle Mae to get me through XXXX  school and now that I'm halfway through Sallie Mae has pulled the rug out from underneath me by breaching the contract we had.
Product: Money transfer, virtual currency, or money service

Hello, Paypal blocked my account without any reason and he blocked my money for 180 days and did not leave me access to my money and I am going through a difficult financial period and this affects my life and the lives of my family members. Please help me to get my money back as soon as possible. Please help me thank. 
My paypal account email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

In the process of selling my home, money came through on a wire and was not credited to my correct account. Instead somehow online two fraud accounts were opened and the credits were placed in those. I was unable to transfer it out and it was kept and I was not afforded to see both ledgers. 
The bank has not returned the credits to the correct Bank of America account. This has caused me great hardship. The amount was {$880000.00} which came in doubled as it should have. The bank called this an error. They did not follow gaap principles. A fradulent account was opened and the credits placed in them. My credits have not been returned, and not returned to the sender. They said these amounts were error codes. They refused to speak to me afterwards. 

I need your help Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked credit reporting agency to explain how they validated the collection Account. Credit bureau did not provide me with an answer and stated it was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! 2 years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, 3 secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had 3 secured credit cards while paying my debt off!
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Capital One is showing a late payment in my account, that i never did, capital one must to remove these late payment if they cant provide it as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus last XX/XX/XXXXXXXX XXXX XXXXorrect/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX CARD Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXccount Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX XXXXccount Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Student loan

My name is XXXX XXXX. I am having trouble paying my son 's student loan. I tried to lower my payment. But I was told that I couldn't..
Product: Vehicle loan or lease

XXXX both account with navy federal were open one personal loan one car loan both charged off than picked up by XXXX XXXX XXXX i made polce reports also sent mail and went online called them many times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX 15 U.S.C 1681 section 602 A. States I have 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...

15 U.S.C 1681c 15 U.S.C 1681s-2
Product: Debt collection

I have spoken with the same lady twice about this so called debt. She has insulted my intelligence stating I know nothing about the law and about how collections work. She stated she can call me whenever she wants and say whatever she has to in order to get me to pay the debt. I've asked her why is she so rude and condescending when that will never work to make someone pay anything she is saying is owed. I've asked several times for her to stop calling me and it appears she is the XXXX to always contact me. Late at night around XXXX whilst just being rude. It makes my XXXX XXXX rise and for me that is super dangerous for me. Please help me with this super rude company. Portfolio services is the company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax XXXX XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Moreover, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Late payment report on credit report.. 
unfortunately I had a medical emergency that almost killed me.
Product: Credit reporting or other personal consumer reports

The Children 's Place Credit Card has been reported on my XXXX credit report as closed with an alleged debt of {$620.00}. The Children Place has not given me any sworn statement to the validation of any alleged debt according to the FDCPA. The Childrens Place also need to produce a document with my written express consent stating that The Childrens Place can put anything on my credit report.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and to someone I trusted to do my credit repair from XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Mortgage

I had bank of america and when I was trying to get a modfication they told me to stop paying my mortgage so I did cause they told me i was more likely to get it if I showed I couldt pay now they reported I was 17 payments behind on my mortgage which i was not and they refuse to take it off my credit report
Product: Credit reporting or other personal consumer reports

After a thorough examination of my credit report, I've identified discrepancies, including unfamiliar items, Student loans, addresses, and other details that do not match my records. Taking immediate action, I am filing a complaint with the Federal Trade Commission ( FTC ) to report suspected fraud and identity theft, as these accounts were not authorized or opened by me My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.Please help me delete these illegal accounts from my credit reports. XXXX Department of EDU 3x on my credit report fraud and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding XXXX : This debt has been paid. Its reporting as open and has a balance. That is inaccurate. This information needs to be deleted due to the fact that I no longer owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I called XXXX  XXXX XXXX  ( XXXX XXXX XXXX ) because I paid for the protection insurance on my cards. The account was closed in XXXX. The insurance expired some time in XXXX. The account should have never been reported to the credit reporting agencies. They should have just went through the insurance. Today I spoke with XXXX ( supervisor ) and she pulled up the insurance document but said, they could not provide it to me because the account was in collections. I explained, to her I had a contract with you all, the collection agency does not have this information. I said, you all sold my account to a collection agency with inaccurate information. These two accounts should have been paid for through the insurance. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had to undergo XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now that I am better I realize the creditors are bogus. 
I also had a XXXX credit card and my balance was XXXX I paid XXXX and a few days later I realized I could not use the card. I called, a few months and they said, it was probably late fees. How can I have late fees I just paid, {$1000.00} and you all closed my account because my credit score dropped. I never missed a payment. I wrote an email because I felt like it was discrimination. I never got any further. They were very snotty and told me to call the collection agency. I also had insurance on this card but I never missed a payment, even though I wasnt working I stayed in good grace. On my credit report it still says I owe a little over {$2500.00}. where did the {$1000.00} go. They really treated me bad during the pandemic. Its really sad that they are taking your money and then canceling your card. I was so shocked at their behavior. Why is this okay for creditors to report to the credit reporting agencies and then sell the account to a collection company
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT EDXXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Experian then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX Agent XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Experian or any XXXX XXXX XXXX. 
The only clear thing is that the Experian is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Experian. I humbly ask for assistance in having this information deleted from my Credit file at Experian.
Product: Credit reporting or other personal consumer reports

According to FCRA 15 usc 1681 section 602 says there is a need to insure that the reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. The reporting agency XXXX XXXX XXXX XXXX XXXX and I am the consumer. I have the right to make sure my information stays private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers nonpublic personal information. NATIONAL CREDIT SYSTEM is a financial institution by definition under that title 15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates too. NATIONAL CREDIT SYSTEMS the financial institution and the consumer reporting agencies XXXX, XXXX XXXX do not have my written consent or any permisson to furnish any information. Any and all consent to XXXX XXXX and XXXX and NATIONAL CREDIT SYSTEMS whether it be verbal, non-verbal, written or implied is now revoked. Also 15 USC 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a non-affiliated unless the consumer is given an explanation of how the consumer can exercise his right to that nondisclosure option. NATIONAL CREDIT SYSTEMS Never informed me of that right. Also 15 USC 1681 ( a ) ( 5 ) says " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reports 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. This account is an adverse item that they are reporting again without my permission which is against the law. Lastly 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account has been removed off the XX/XX/XXXXand XX/XX/XXXXand Experian refuse the remove the account XXXX XXXX XXXX # XXXX. As this is account is not my mines. 

Please see attachment.
Product: Credit card or prepaid card

I called to the Capital One costumer service more than 4 times for my XXXX Credit Card, the third time on XX/XX/2019, which took more that 3 hours explaining the issue, finally got disconnected when I was on hold for more than 1 hour by the Costumer service Supervisor who wanted to confirm the issue with another departments. 
Once I didn't called back again I called back on XX/XX/2019 and just informed that they put a note on my account that " everything is correct. '' The issue is very simple, I explained in detail more than 10 times but it looks like there is not an intention to pay attention to my issue : Let assume today is XX/XX/2019 : I simply downloaded all of my transactions form Capital one website : 1- I summed Total ( Year to date ) posted Expenses 2- I summed Total ( Year to date ) posted Payments ( including Reward Redemption ) 3- I calculated Total ( Year to date ) Remaining Balance by extracting item 2 from Item 1.

The result it is showing a negative number which means I paid beyond the debts but surprisingly my available credit limit is still under the credit limit. 
I am attaching here an transactions Excel spreadsheet which is clarifying my claim.
Product: Debt collection

XX/XX/2021 - I was informed by XXXX XXXX XXXX  my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from Midland Credit Management. The name on the judgement was XXXX XXXX XXXX. I contacted Midland Credit as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. Midland Credit Management failed to provided me a validation of debt letter at the address they filed the lien on. Midland Credit failed to contact me prior to obtaining the judgment or lien on the property. XXXX XXXX  per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK  XXXX. This is also the address in which this individual was served notice. Midland Credit knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. Midland Credit knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. Midland Credit has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.