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

Someone fraudulently opens a credit card in my name with capital one for XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector. 

The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. Equifax did not notify anyone quickly enough and admit that they will not notify everyone.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect on a debt for their client Calvary Portfolio Services.  This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.
Product: Debt collection

" CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations '' " Debt collection giant filed lawsuits even when it lacked documentation about the debt. '' Portfolio Recovery Associates XXXX XXXX XXXX XXXX, Va XXXX : XXXX Portfolio Recovery is known for its illegal debt collection tactics. The same in this situation I have no contract with this company never did. They're a 3rd party debt collection agency. Who bought an old debt and trying to re collect and profit. Once a debt is bought it's discharged. You can't buy and recollect on the same alleged debt. this company is in Violation of 15 USC 1692 ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt. The debt collector ( s must cease all communication.

This has been effecting my credit for well over 180 Days. After 180 days the debt must be removed from the consumers report immediately.
Product: Checking or savings account

I visited chase on XX/XX/XXXX where I opened an checking as well as a saving account. gentlemen banker assisted me with a split counter deposit. all my receipts say deposit on the XX/XX/XXXX. Chase now claims that the deposit was done 2 days later on the XX/XX/XXXX. Chase also still hasn't explained to me how I had interest payments deposited into my account. and why I had Ann available balance of {$1000.00} XX/XX/XXXX and I was unauthorized to withdraw from my own account. I will post a scanned document that shows the interest deposit in my next complaint.
Product: Debt collection

EXPERIAN CONTINUES TO BE IN VIOLATION OF CONSUMER LAWS AND ARE VIOLATING THE PURPOSE OF CFPB TO AVOID THIS KIND OF CONSUMER FRAUD. We request CFPB to help fix the error that is in our credit report in the form of collection and by that incorrect entry my credit score decreased by about XXXX points. IN RESPONSE TO THE REPORT XXXX. TO CFPB, EXPERIAN PROVIDED INACCURATE, INCORRECT AND IRRELEVANT INFORMATION Experian sent a letter by mail that incorrectly says An account record was updated. Other items disputed are not currently displaying on your personal credit report. BUT, it has not been removed ( XXXX ) the derogatory remark exists even XXXX a report Exprian sent to me in response to previous complaint # XXXX directed at Experian, and ( XXXX ) such removal should increase the credit score by about XXXX points - that is the number my credit score dropped by the addition of this incorrect collection I contacted Experian directly many times and gave information and provided XXXX of pages of facts prior to complaining directly against them in CFOB complaint XXXX. 

Experian further writes in response to CFPB INCORRECTLY as I reported being a victim of identity theft. I HAD NOT REPORTED OF BEING VICTIM OF IDENTITY THEFT. Their additional false words ( which can be perceived as indirect threat ) provided as response to CFPB in response to complaint # XXXX is : You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. THUS EXPERIAN IS WRITING FRAUDULENT INFORMATION TO CFPB AS WELL, RATHER THAN CORRECTING AN ERROR THEY HAVE BEEN ABETTING FOR SO LONG, WHEN NOW BEING PROVEN ABOUT THEIR ERROR PURELY AS A CONSUMER FINANCIAL COMPANY RELATED ERROR AND FRAUDULENT ACTIVITY OF THEIRS. 

I have gone through the cycle of the utility company reporting collection incorrectly to credit report, we refuting Experian/XXXX , though CFPB with extensive information as proof, the utility company sending that to collection company ( XXXX ) who upon collecting facts dismissed that we owe any money to the utility company. I sent those latter proof also to CFPB and EXPERIAN. This completes a cycle of false accusation and more clearing it through full cycle of processes that decided I do not owe any money. Hence, here the complaint is about Experian abetting and consequently involved in fraud. Despite having indisputable proof documents. Expetian is not removing the collection notation in my credit report as well as not correcting s huge drop in credit report because of that. Experian states that the other company say it is true and the account was closed at vendors request - both of which are false and the XXXX of pages of documents I have provided prove those clearly.
Product: Credit reporting or other personal consumer reports

I have tried a number of times to have inquires removed from my credit report that is fraudulent. I requested documentation that i signed an authorization fo the companies in question to pull my credit. they have not provided it to me. all that equifax repeatedly states is to call the company. when i do they tell me to call equifax. 

XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX, XXXX. Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX XXXX XXXX  SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called chase and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

XXXX received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX Balance : {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX XXXX : {$500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$540.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX, XXXXXXXX XXXX Balance : {$62.00} ; DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$590.00} ; XXXXXXXX XXXX XXXX  Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Debt collection

On XX/XX/2022 I received a call from XXXX. I answered the phone and it was a lady from Superlative RM collection agency. She was very rude and very aggressive. I told her of why I was unable to make my payment and she said Why should I care what other bills you have to pay. That has nothing to do with me! Even though I have been paying payments to them for months and I had also tried calling days before. I would try to talk and she would just cut me off. I would say something and she would twist my words. I told her I was at work and she said Oh so now youre going to rush off the phone I felt threatened because she said Well well have to take further action She was very unwilling to work with me on anything. So I hung up with her and went online and just made the payment myself since she wasnt going to let me get a word in edge wise. I mean I felt very very threatened and scared. This lady was very very hateful and aggressive.
Product: Credit reporting or other personal consumer reports

I've reached out to the bureaus XXXX on XX/XX/2023 trying to update my information because it was some fake XXXX and fake names on my report along with addresses Experian refuse to correct my information. on XX/XX/XXXX I sent certified mail to the company and bureau pertaining to the alleged account that the original balance was {$8300.00} but has been written off and sold for {$7900.00} I then asked for their right of ownership, the original contract the validity of the debt. and I received no information after XXXX  days. I had to call in they stated they sent it to email, and I searched and never found it. I requested that all results be sent to me through mail. In the letter I also included a copy of my credit report with the inaccuracies highlighted and stated that according to the FCRA that their job is to report XXXX XXXX accuracy & XXXX they're suppose to provide the information requested for the validity and they just sent it back as verified with no removal or updated information which violated the federal law. Also spoke with a representative on XX/XX/XXXX I want to say, he stated that he seen the inaccuracies I mention as we discussed it verbatim on the call and stated he can submit another dispute for me on their end. I asked him " so if you see the inaccuracies then why are y'all willing reporting it to my credit ''. He then stated " well it falls of in XXXX anyways ''. So, to know they are willingly and purposefully reporting that damage on my credit & defaming my character. Also prevented me from being able to buy my house and obtain funding
Product: Credit card

On XX/XX/XXXX, I opened a cfpb complaint. 
Part of the verified answer, Discover says " As such, a check was mailed to you for your Security Deposit in the amount of {$44.00} on XX/XX/XXXX " 1 ) I never gor any check 2 ) I paid previous statement in full on 12/13/23 for {$2400.00} 3 ) Current balance when account was closed was {$44.00}. 
4 ) I am owed a refund of {$2500.00} ( security deposit ) minus activity of {$44.00} equates to {$2400.00} It is near 30 days and they have my monies not paid back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX, Account XXXXXXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

I was a victim of identity theft ( with multiple payday loan companies in XXXX SC ) My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began inXX/XX/XXXXXXXX XXXX  2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple hundred thousand dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft. 
AMERICAN EXPRESS Also known as AMEX Account number XXXX {$3400.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my Paypal account was permanently limited, stopping me from making any transactions or transferring money out of my account, without any reason given for why. I currently have XXXX $ USD in my account which I can not access. Paypal as a business has promised to provide me with access to my funds and the ability to make online transactions, which has now been taken away from me without even a reason for my ban. I have been using my account for many years and have paid a large amount of fees for their services throughout that time, without any activity that would violate their terms. My latest usage which may have triggered the algorithm to flag my account was a transfer of money from my parents, which was XXXX $ USD into my account. Contacting Paypal through their help center, social media, and phone support have all given vague responses that did not solve my problem nor give reason for my ban. The email associated with my account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its time to file suit and expose this. This is my last time asking for my report. I have proof of my attempts and their refusal letters. Lexis Nexis keeps lying and have not mailed my CLUE REPORT TO ME! Every response they give to my complaints are just to close my complaint. They are not people with integrity. I received a letter in the mail yesterday XX/XX/XXXX. The same letter keep mailing me but wont mail my report! Its dated for XXXX XXXX. After the certified mail I sent to Lexis Nexis, that was received on XXXX XXXX  They have my social and copy of my license with date of birth on it. I dont know what else they want from me. They REFUSE to send my CLUE report and keep lying to the CFPB! I've reached out to company via phone and online system multiple times. I input all my information correctly and received a confirmation. Lexis Nexis keeps mailing letters instead of report that they are not able to verify identity even though I'm the person entering all the information about myself. I've emailed and mailed them a copy of my license. They are still saying that they not able to verify my identity and do not provide me my report. I've received information from other companies that there are errors on my report, but I'm informed I would need to request report directly from Lexis Nexis which where they got the report from. They lied to CFPB with their response that they had reached out to me on the first complaint filed. Again, on my second complaint they claim to have mailed it to me as of XXXX in order to have my complaint closed. Lying again with the same lie XXXX. Its been almost 3 months of me requesting my CLUE report but not receiving it. Im attaching proof.
Product: Student loan

Exact dates : XX/XX/XXXX ; I sent 3 certified letters requesting for forgiveness ( I took out around {$42000.00} and paid back {$47000.00} + ), inform once again about losing my job, as well as asking for SCRA.I stated I could give a good faith payment of {$20.00} a month. I also stated to please stop calling me every hour on the hour for repayment I can not give. I was given responses in mail stating nothing can be done to help me. 

I have XXXX children, an XXXX XXXX military member as a husband. I was told that SCRA is not applied in Missouri, Colorado or Kansas. 

I sent messages in the secured inbox stating I lost my job, and that I could not repay. I have been harassed over and over to the point of exhaustion. 

I was told in XX/XX/XXXX, that I could get no help. The payment plan I was on was on is being cancelled and the only option for me was to have my lower interest repayment plan go up to over 13 % and make an interest only payment plan for 6 months. I stated that will not help me one bit and will drive up the rate once again. I had been working diligently to stay in contact with XXXX XXXX MOHELA through all these years. I know this new rate will only keep me in the cycle for the rest of my life. This is just predatory and they do not care about helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed information on the Experian report showing a derogatory by XXXX XXXX indicating they not been paid {$500.00} and that the account was charged off in XXXX and XX/XX/XXXX. 

I provided proof of payment provided by my bank XXXX XXXX and asked that the information be corrected. XXXX XXXX denied my request and furthermore updated the report to indicate the account was written off as of XX/XX/XXXX. In disbelief I disputed it again. Again I got the same result and XXXX XXXX charged the account off again, effective XX/XX/XXXX. So now the account which was originally charged off in XX/XX/XXXX was again charged off 2 more times in XXXX and XX/XX/XXXX and was now a negative on my report. In other words the account that was erroneously charged off in XX/XX/XXXXwas now maliciouly made to look like if was 2 recent charge offs. I called and wrote XXXX XXXX again and they refused to do anything about it and warned me that they would list it as a recent charge off everytime I disputed it. WOW. I called Experian and they told me they just report what they are told by the Financial institution and they couldn't do anthing about it. 

Please Help ... These guys are horrible!!!
Product: Mortgage

My husband left me in XX/XX/XXXX. He stopped paying mortgage and trustee payments, which defaulted mortgage and XXXX XXXXXXXX bankruptcy. I filed an application with the XXXX  XXXX XXXX in XX/XX/XXXX prior which is still currently pending. The mortgage company XXXX XXXX and their attorneys and the XXXX XXXX XXXX are aware of the application and are still proceeding with the auction sale on XX/XX/XXXX.