23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My daughter XXXX, received a text message and phone call on my behalf, XXXX XXXX seeking a debt collection. The debt collection stated a failure to comply would garner legal action. Upon researching the number attached in the message it belonged to Midland Credit Management. 

Upon checking my credit report there are multiple collection accounts from Midland Credit that I was shocked to see. I was never contacted by this company with any sort of documentation stating I owed a debt with the exception of the collection attempts made to my daughter. 

I believe these charges are fraudulent. 

This company is contacting family on my behalf and my daughter has been contacted by this company at early morning hours. The text message attached was sent to my daughter at XXXX.
Product: Debt collection

I was charged {$100.00} and {$330.00} from affirm and XXXX for a faulty product as soon as I took it out of the box! I sent the product back and even had to pay {$70.00} of my own money to ship it back! Use them at your own risk
Product: Debt collection

The collecting party is NOT THE ORIGINAL CREDITOR. I was never informed from either party of their being a debt that exist, let alone to be bought than sold to a third party, without any concern of keeping me informed. I never received any Debt Disclosure documentation requested XXXX.Please provide the consumer contract bearing my wet signature validating the debt claimed or quit claim language and remove the negative information from my credit report for i only will only deal with the original account creditor. Please provide gps location data at time of the purchased debt, Copies of Payoff Disclosure letter, Balance history, Credit Insurance Documents, If documentation can not be produced than remove the negative rating on my redit report or i will pursue litigation, informing CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have report applied bank as a fraudulent account I even call email them sent theft report to them they still reporting this account .then Equifax is reporting old data to the creditor who is trying to let me have loans a call them the same guy put XXXX hard inquiries on my credit.. I believe this is a inside job to stop me as a XXXX XXXX to get any thing in life..also XXXX made agreement to remove late payment and accounts but didn't remove them..XXXX agree to remove late payment but didn't do so .. XXXX..was a fraudulent account by a credit repair company and also XXXX XXXX XXXX..was by the same credit repair  company..but they want remove the late payment or the account.. 
...
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for my XXXX credit report annually via XXXX. For the past 3 years I have been unable to access my XXXX Credit Report through XXXX. Per XXXX, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/2017 ) no response. I suppose that I could request a credit report by phone through XXXX, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. since this is not my information and accounts has been reporting since XXXX as showed on the attached identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored according to FCRA 15 U.S. Code 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. 
Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XX/XX/year>
Product: Vehicle loan or lease

I paid off my car back in XX/XX/2020 and was told i was going to receive my title two weeks after. I called several times including last week for the last time and they keep saying the lien hold was taken off but it wasn't. Ive gone to the dmv and XXXX a total of 8 times where i had to take off time of work many times. I have reached out through email, phone and the company always says the same thing. I dont know what to do i need my title
Product: Checking or savings account

I have experienced a few issues with this bank. The was a claimed I filed where XXXX XXXX took {$250.00} out of my account navel federal never showed me proof of authorization which I asked for in the initial claim and the dispute of the denial of the claim. Also I had a claim for XXXX  where part of it was fully resolved and the other part is still being investigated. I dont understand that. When I called I was asked why I filed the claim so far out in a rude manner. Then when I called about it again I spoke to a XXXX that brought up accounts that were discharged in bankruptcy. She was very rude again like most of the reps I speak to here. They make you feel less than a person if you dont hold a certain status on your account. Ive even been told by a rep that I shop too much. Which is a violation of my privacy and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX and XXXX, XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Money transfer, virtual currency, or money service

I sent money to my daughter on XX/XX/19 via Moneygram. I received an email at XXXX XXXX  stating transfer sent and ref # XXXX. My daughter went to pick it up around XXXX XXXX  on XX/XX/19. She called me and said the transaction had been cancelled. I said let me log in and see what is going on. I could not log in to the website and I still can not log in to the website. I have screenshots from two different web browsers showing the error. I finally was able to track the transfer with the ref # but it just said cancelled no other information. I call Moneygram and was told Moneygram cancelled the transaction and will not give me any further details due to security purposes and that I will never be able to use Moneygram services ever again. I can expect my REFUND in 3-10 days. ABSOLUTELY UNACCEPTABLE. If they cancelled the transaction due to security reasons and reasons they won't  tell me, they should not have touched my money. The transaction was cancelled, therefore the authorization to access my account was also cancelled. I want these thieves held accountable and this pursued to the full extent of the law. False advertisement of a service they could not deliver, theft of funds from my account, withholding the reason why my transaction was cancelled but my money was still taken. I am also filing with the Attorney General. I need to know who to contact to file theft charges and damages for their deceptive practices. I want to hear from someone on this complaint - I have filed a complaint before and no one ever contacted me so I doubt it was ever investigated. The thieves in this country need to be held accountable just like with any other criminal.
Product: Student loan

And XXXX has tried to collect a school loan debt from me which is a identity theft situation in aid advantage has not cooperated with me on investigating this matter I did not attend nor do I plan or planned on going to the schools that the loans were distributed through I am the physical person XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I applied for XXXX XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call XXXX in XXXX. 
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car. 
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?! 
They should have noticed me that this car is not available.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a call from XXXX XXXX about my Chase account ending XXXX, XXXX, XXXX, XXXX being moved to California from NJ without my permission and a clear violation of my privacy and confidentiality. The branch manager is XXXX XXXX and district manager XXXX XXXX. My information XXXX XXXX and my XXXX kids XXXX, XXXX and XXXX XXXX - SSN, bank balances, account information was given to my ex-father in law XXXX XXXX, ex mother-in-law XXXX XXXX and XXXX XXXX XXXX - we have been divorced on XX/XX/XXXX. We have ongoing criminal case for child abuse in the NJ court and disclosing my financial information to them is very detrimental to the life and safety of me and the kids. My entire financial assets are in Chase and breaching my privacy and confidentiality is a clear violation. This is a clear violation of my privacy and a breach of my confidentiality. I want my account back in XXXX NJ and restricted from viewing from any branch outside XXXX NJ. I would like to be compensated {$7500.00} for the trauma and stress endured by disclosing confidential information and XXXX to XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of fraudulent accounts and inquiries listed below. These accounts were opened and inquiries made without my knowledge or authorization, and I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX I - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX or Experian are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the information.
Product: Credit reporting or other personal consumer reports

I am writing to file a dispute regarding inaccuracies on my credit report maintained by Experian. 

Bankruptcy Listing : I received a letter from the United States Court confirming that Experian has not verified the bankruptcy listed on my credit report. Despite providing this documentation to Experian, they have refused to remove the bankruptcy from my file. I have been requesting its removal, and this has not been acted upon by the company.

Hard Inquiries : I contacted Experian to notify them that I have not applied for any car loans, as I already own a brand-new vehicle. However, several unauthorized hard inquiries related to automobile financing remain on my report. I requested the removal of these inquiries, but Experian has failed to do so. 

Paid and Closed Accounts : I asked Experian to remove the negative reporting on several accounts that were paid off and closed in full. Despite this request, these accounts remain negatively reported, but the company has not updated my file. 

Inaccurate Names : I also requested that Experian remove any names that do not match my legal name, XXXX XXXX XXXX, from my credit file. However, the company has failed to address this issue as well, leaving inaccurate information on my credit report. 

Despite my repeated attempts to resolve these issues through their customer service channels, Experian has not taken the appropriate corrective actions. I am now seeking assistance in ensuring that the inaccuracies on my credit file are promptly corrected.
Product: Debt collection

Today, XX/XX/2021, I received a letter in the mail from Credit Management Control the letter stated a letter origination date of XX/XX/2021, my name and address, the original company owed, and the amount but no other pertinent information regarding this debt. Then the letter says exactly Dear XXXX XXXX, We have received authorization from our client to refer the above referenced account ( s ) to an attorney for legal action. 

If you wish to avoid the action and the possibility of added expenses, please contact our office to set up an arrangement to pay or pay the above balance in full within 10 days. 

Please be advised any signed check received by Credit Management Control May be processed as an electronic payment.

Sincerely, Credit Management Control , Inc . 


Nowhere in the letter does it inform me I have the right to dispute this debt, nor does it actually have an attorney retained for the collection of this debt. It is merely a threat to take legal action against me. Also, I live in Minnesota and it only says at the bottom that they are licensed by the division of banking in the Wisconsin department of financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove inaccurate addresses and additional names from my credit report.
Product: Credit card

I have attached documents for your review. Please initiate an investigation into these accounts as I am never late, yet they are inaccurately reported as such.
Product: Debt collection

The collector keeps calling my cell, my job, and my family. Claiming they are going to serve me papers at my home or place of employment. They are making threats and using different names. The call to my job was from XXXX XXXX Services, To my family they are identified at Fling Firm but from the same number
Product: Mortgage

This happen back in XXXX of XXXX when my Boyfriend got sick with XXXX. So he was having problems working full time. So I called LoanCare if I could get help with the mortgage and said yeah! We have this plan if you qualify it's a forbearance plan. Yes we did qualify for 160 day 's. Then we where still not doing well on hours from work cause of the covid. So I extended for another 160 day 's. Then we started making payments as of XX/XX/XXXX So I pulled my credit on the XX/XX/XXXX and it was showing I had late payments as of showing XX/XX/XXXX - XXXX XXXX being late and I'm like how if I was on the plan. So I called XXXX spoke this Lady, and she said oh! Sorry I will tell them to email you a letter stating those dates for being late. Cause of the forbearance plan. So then I called again XXXX. Then now he said I'm sorry who gave you that information is wrong we don't do that here. You need to go to your credit report and dispute it. I'm like are you serious. This place is the worst doing business with. They don't give a XXXX about you.
Product: Credit card or prepaid card

My XXXX card was hacked XXXX. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my XXXX account, XXXX account, After pay account, XXXX account, XXXX XXXX account, XXXX XXXX account and credit card, Synchrony credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases. This is going to effect me from buying a home. This needs to be taken serious and when I call in to speak to your agents they are extremely rude and give me a hard time like Im lying I been with Synchorny for awhile now I dont deserve to be treated this way. This needs to be investigated and find out who do this. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with The fair credit reporting act Total number of XXXX DEPT OF ED / XXXX accounts Closed on XX/XX/2020 has violated my rights 15 u.s.c. 1681 section 602 A states I have a right to privacy. 15 u.s.c. 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions. This company was unable to furnish me with my original contract these accounts should not be reporting I have never attended school or signed up for any loans for college these accounts are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, Fortiva, has violated my rights under 15 USC 1681 Section 602 states I have the 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. Under 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.