23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was never informed of this medical debt and I would like it removed. I have contacted the company to try and figure out exactly what it is, but they cant seem to tell me exactly what this bill relates to. The debt is for {$410.00}, please help me get this removed off of my credit.
Product: Credit card

I made a {$200.00} payment with my XXXX XXXX on XX/XX/2024. The Available credit was not reflected immediately as I was instructed it would be in the past. I called Capital One and they told me that Capital One is in the process of removing XXXX XXXX payments as an option for making payments. I find that to be very suspicious, because I received no communication that this would be happening. The XXXX on the phone advised me that the Available Credit doesn't update right away because their system doesn't allow it to update right away, which is not normal given the pattern of payments I've made. I make substantially large payments that would cover at least XXXXXXXX XXXX  of the XXXX XXXX every few days or so because my intent was to use this card as an everyday card for purchases. Capital One is treating it very differently. I also questioned the security of my information given that it is being accessed outside of my country. The XXXX expressed that they can not bring bags, cell phones, paper, pens, etc into their offices ( which I find hard to believe ). So I began to question how I know my information is secure, especially when being accessed from a mainframe in a different country from the headquartered location where no law enforcement can hold criminals accountable for stealing information belonging to people not residing within that country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/21 about credit inquiries on my report that I did not authorize or have any knowledge about and they are refusing to investigate or remove these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I started receiving some mail related to student debt refinancing ( from XXXX - a firm I have never heard of ) and was suspicious about it since I do not have any student debt. I then checked my XXXX credit score and noticed an account that wasn't mine - An open student loan account from ASCENT FUNDINGXXXX XXXX XXXX phone XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ) with balance {$53000.00}, 7 year term opened on XX/XX/year> that appears to have 'Paid Satisfactorily ' Payment History. There is also a previous closed account with the same start date that has a balance of {$0.00}. 

I did not take out this loan ; I was doing a fully funded XXXX XXXX XXXXXXXX at the time and had no need for student loans. 

I called the number listed for ASCENT FUNDING on the credit report and found it to be a robo-call that said 'you have been selected for a free gift ' and dropped the call ; searching for XXXXXXXX XXXX phone number on XXXX gives me a different phone number XXXX ( ie 54 order was swapped in the credit report entry ), which appears to belong to XXXX but will not let me proceed until I enter a phone-number corresponding with my account, which I obviously don't know since I didn't create an account or take out a loan with them. 

I disputed the account on XXXX ( the credit reporting company that produces XXXX scores ) and am yet to hear back. Looking deeper into the credit report metadata, I found an erroneous mis-spelling of my name : XXXX XXXX XXXX and two addresses in XXXX, NY that I have never lived at. I disputed the two erroneous addresses as well and they were promptly removed from my credit report. 
Based on this information, I found a person named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was a graduate student at XXXX XXXX in XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX lab. It is possible that the loans were taken out by this person and were erroneously attributed to me. 
My name is spelled XXXX ( with a trailing a in my first name ) XXXX and I have never lived in XXXX, NY or interacted with Ascent. I am unsure how this managed to appear on my credit report seeing as they should not have access to my social security number. 

Finally, I also checked my credit report on XXXX and XXXX. Neither have this fraudulant account listed in my credit report. This leads me to suspect that this may have been a record linkage error where a loan granted to a different person got erroneously linked to me. If it is an honest mistake, this points to sloppy actions on Ascent/XXXX XXXX part ; if not, it is outright fraud.
Product: Student loan

I don't have an income I signed up for forgiveness and I was approved to have all loans forgiveness.It shows on my credit report ....
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I noticed this RADIUSGLOBAL account number XXXX that recently shows in my credit file. I was never notified about this debt. 
I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identiy theft, not later than 4 business days after the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX  This is so unlawful.
Product: Debt collection

Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with XXXX XXXX. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from Dyck O'Neal regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.
Product: Credit card or prepaid card

I receive a pre approval credit card offer for {$12000.00} from penfed. I applied and was declined due to many accounts open in a short period of time. Which is fairly false and requested to have my application reviewed and reconsidered. They lady I spoke to advised I had to send a hand written letter which makes zero sense. Please review my application and reconsider my application. XXXX ID : XXXX
Product: Checking or savings account

I believe I have a victim of identity theft. My account was charged without my authorization. XXXX XXXX has billed for the unauthorized charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts and inquiries listed below from my credit report, as I have been a victim of a data breach, and these accounts and inquiries were not authorized by me. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed. The accounts and inquiries listed below were either opened fraudulently or were not authorized by me. I ask that these be removed immediately to ensure my credit report is accurate and reflects only the accounts I have personally authorized. 
Fraudulent Accounts to Block and Delete : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$7100.00} XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMINODA XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance {$2700.00}
Product: Checking or savings account

Received a text message appearing to be from Peoples United Bank asking if I had authorized a purchase - I responded with a NO. They called me and a person claiming to be from Peoples United Bank proceeded to ask questions relating to my bank account and so I answered accordingly. He told me they had to close my account due to fradulent activity. He gave his name/ID number all while posing as a Peoples Bank employee. I gave him general information and he said he would take care of the situation. I went on Monday to inquire about this situation to the branch in XXXX, CT. There I found that there were 3 unauthorized transactions of {$500.00} each for a total of {$1500.00}. 
XXXX {$500.00} XXXX {$500.00} XXXX {$500.00} I tried to file a claim to receive these funds back. My claim was denied because Peoples Bank claims that I entered a " Code '' to authorize the funds. I was NEVER asked for a code and never gave a code. I assume the hacker must have hacked my phone or internet or something where he was able to get that code or whatever they are talking about. I did not give any codes to anyone nor was I asked about one. I keep telling this to Peoples Bank but they are not hearing me and keep claiming that I did this. Other banks usually refund unauthorized transactions right away so I am very upset to know Peoples Bank has denied this to me- especially as the scammer took the role of a Peoples employee and I am out {$1500.00} hard earned dollars. I would like a refund asap.! 
I need my funds back immediately! I am a widow and having financial troubles and obligations. This has really caused me immense stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX XXXX : {$90.00} XXXX XXXX Balance : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised from the lost of my wallet. I've also been a victim of the Equifax breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX {$450.00} 3 ) XXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX  {$780.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXX XXXX$780.00} 10 ) XXXX XXXX XXXXXXXX {$780.00} 11 )  XXXX XXXX XXXXXXXX {$790.00} 11 ) XXXX and XXXX {$920.00} 12 ) XXXX XXXX {$180.00} 13 ) XXXX XXXX  {$180.00} 14 ) XXXX XXXX  {$560.00}
Product: Student loan

I am getting a hit to my credit every month that reads this : XXXX. XXXX, XXXX Delinquent Account Account Number : XXXX CITIBANK , N.A . 
Student Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Delinquent : {$1500.00} Consumer Statement : Profit and loss write-off I also have several closed loan accounts that were closed in XXXX and XXXX during the class action suit against Citibank for {$3.00} XXXX. I think that I am also due a refund.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For the violations
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many errors within this listing. Please check the High Credit, Date of Last Activity, Payment History, Credit Limit and remove immediately or I will pursue further actions.
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. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXXXXXX XXXX PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting acts. This creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions. Under 15U.S. Code 1666Ba creditor may not treat a payment under a credit card under an open consumer credit plan as late for any purpose.
Product: Debt collection

I have received repeated calls from a collector for a debt that is not mine. I have visited their website and left voice messages indicating that they have the wrong person. The robo calls continue over the weekend as well as during the week.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXXXXXX 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

I found the accounts on my credit report I never opens those accounts are fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT # XXXX XXXX
Product: Debt collection

On XX/XX/2020, I received a letter of intent to collect a debt from Allied International Credit Corp. ( US ). Their address is XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX. They state that I have acquired a debt with XXXX in the amount of {$95.00}, but I do not have and have never had an XXXX  account. I looked at my credit information via XXXX XXXX and found no negative information there as I have no established credit. Additionally, there are no negative inquiries to my credit and no record of this debt on it. 
Further research into this company led me to a thread on the XXXX  community forum where it was recommended that I file a complaint with this institution. 
I have not contacted this company and refuse to do so as I have not accrued this debt nor have I had any accounts to my knowledge with XXXX. Further, the XXXX  forum thread stated not to contact them directly.