23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

someone keeps trying to open creditcards in my name for capital one and XXXX XXXX
Product: Debt collection

jefferson capital systems llc claims i owe them {$330.00} and has repeatedly reported this as a new debt so that it keeps lowering my credit about every 6 months. when i sent in a debt validation request after the most resent time they claimed this was a new debt and all they sent back was a letter say debt is valid and what looked like an email saying an account was started XX/XX/XXXX. there was nothing about the date it was sent to collection, them being the new owner of the debt, or even what was purchased to cause the debt. i sent the debt validation request certified mail on XX/XX/XXXX, they signed for it on XX/XX/XXXX but did not respond until XX/XX/XXXX as dated in the letter they sent back.
Product: Credit reporting or other personal consumer reports

I had an existing LOC on my house... the balance was XXXX for a significant amount of time. Suddenly there's a charge of $ XXXX on my credit and XXXXXXXX XXXX  is putting me in default. I never used my LOC, I never charged anything, it is 100 % FRAUD. The bank can not tell me or figure out or trace how the check was written, cashed, or used online. I have no idea how the XXXX change came on my credit report/ LOC and the bank can't give me details either. I am not showing XXXX days late on my credit report for a non payment on a charge I never did. This is fraud. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

I have recently submitted a complaint that my identity was being fraudulently shared. In that complaint I mentioned TransUnion and other third party, elaborate mechanisms that had my information and was using that information to make determinations against me. I asked for proof that I ever contracted with them and so far TransUnion has not provided that information BUT they sent me a report which to me proves that they somehow got all that information about me without my consent nor having a contract with me. To my knowledge, I've never willingly given TransUnion my information nor have I ever contracted with them.
Product: Credit reporting

I received a call from dealership where my husband and I purchased our truck last XXXX. They said they noticed we have been making our payments on time and would to see us and possibly see about new options. We drove to dealership following weekend and were just going to just speak with someone. They keep trying to have us purchase a new vehicle on top of the one we already had and also told us we could just purchase a new vehicle and let the one we have go back. I specifically said we were not interested in a new truck and stated that several times while I was there. While I was there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had already stated I did not give them permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the up coming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because It was n't directly through them, that I would have to speak with the dealership. I called the dealership and spoke to the guy who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake. XXXX Equifax said they could send in a statement explaining that it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.
Product: Debt collection

I went to the XXXX Hospital in XXXX to pay off this bill. 
This is a facility that caters to the poor. I had to go there years ago when I was not married and I had a severe medical issue. 
Anyway, I drove around for an hour. There was no parking lot and no parking on the street. The place was a zoo. So I went back home and tried to telephone them. Finally, I spoke to this person at Alliance One Receivables who took my payment. 
The only reason I paid was to redeem my credit score. 
After I made the payment, I asked the person who assisted me could I have a paid in full letter. He said they do not do that.
Product: Debt collection

This company calls me repeatedly but won't send me any hard proof of loan that they say I took out with them. I don't recall this loan. I think they have my information because I applied for one a long time ago. 

They call me weekly with this message : Good morning my name is XXXX calling on behalf of Integrated Services XXXX XXXX. I'm calling to speak with you concerning docket # XXXX. It's imperative that I speak with either your or your attorney immediately regarding this matter at XXXX x XXXX. 

Last call was placed on XX/XX/2018 at XXXX XXXX XXXX. They have called my husband as well leaving message that they are a lawyer and trying to contact me. They also call my work phone.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX and Doyle & Hoefs , LLC, without notice, filed a lawsuit against me in a state where I do not live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had 4 CDs with First Horizon in XXXX, TN ( Formerly XXXX XXXX ) years ago. I was cleaning out an old file on the CDs I had and found paperwork on the 4 CDs. I called and spoke with XXXX initially on XX/XX/21 to look into what happened to the proceeds of the CDs. She was able to find out the info on 3 of the 4 and said she would get back with me on the fourth CD. She did not call me back so I called again XX/XX/21 and she said she would email that department and get back with me. Again, no call back so I called and spoke with XXXX on XX/XX/21, he said she was off and would have her call me the next day. Again, no call back. All I wanted was documentation on what happened to the proceeds of the last CD. She told me the other 3 were closed but I no longer trust that information verbally and now l would like documentation on the other 3 CDs. Please contact me for the account numbers on all 4 of the CDs. Thank you,.
Product: Student loan

Two things ... I was never advised I had the option to apply for the release of my cosigner. I was eligible, too, but I was never advised that option existed. I admit there might have been some ignorance on my end, in that I just assumed a cosigner was stuck with the loan for life like I was, but this information was never promulgated to me from the Second, after I applied and was granted graduated income repayment status in XX/XX/XXXX and XX/XX/XXXX for all loans ( federal and private ), I was never advised that the payments for the private loan would only be allocated to the interest and nothing to the principle. I just learned I owe MORE now on that loan than the principle disbursement in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, 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 XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/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
Product: Debt collection

XXXX  i cosigned for a loan for a then friend to purchase a vehicle. The loan amount was originally over XXXX. Th payments from the co borrower was late from the very begining, and a couple times was delinquent as much as 120 days. I contacted XXXX XXXX XXXX XXXX   on more than one occasion including going in person in order to try and get the truck or assistance in getting the bank to get it back i was willing at the time to take over payments. I was told no they would'nt do it. this went on several years at the same time my credit was destroyed Sometime later Mr XXXX voluntary reposessed the truck and was left with a debt of more than XXXX. Now mind you the vehicle started out at XXXX. and for several years he made payments on time. My complaint today is that amount of collection that i am being sued for is not right. I reached out to the bank over and over for help in resolving this matter. The bank official that i was dealing was racist and treated me very disrespectful.I went and sat down with then president of the bank twice and he assured me that they would be going only after Mr XXXX. My wife has been fighting XXXX XXXX and i told them about our financial hardships. I feel like victim when over and over i tried to work with the bank to resolve this. My credit has been destroyed and i think thats punishment enough for my good deed.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a letter from CHASE bank saying that my account will be closed on the XXXX of XXXX for no reason. I talked to the branch manager and he can't give me any solutions and he doesn't have additional information, which is bank private information. I would like them to review this position and keep my account operating, as I never use extra limits, and I always keep good value in the bank. I see no reason to close my account. This will cause a lot of problems as all my family expenses are associated with this account. It would cost me a huge amount of energy to set it up all over again. And I don't think it's reasonable for other banks to question me why I had my account closed if I didn't give any reasons. I ask you to reconsider this position that you have taken.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the inquiries and addresses I do not recognize are continued here. 

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

LENDMARK FINANCIAL SVCS is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my [ XXXX, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( First Bank PR XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - First Bank PR XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please fix these items and correct the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

At the end of last year, I fled an XXXX relationship and began living of my Comerica Bank Credit card. I called them to let them know this and asked numerous times for lower interest rates, balance transfers, deferred interests etc all options I know is available to people like me -victims. Comerica bank refused to help my citing that my situation was not serious enough for them to help me. Keep in mind, my abuser tried to kill me and I was hospitalized. I began making payments and NEVER missed any payments. Then they began charging me HIGHER interests when I was not even making ANY purchases with the card. When I reported Comerica bank to CFPB, the retaliated against me by running my credit and lowering my credit limit. I called them to ask why and they said I have late payments. I DO NOT HAVE ANY late payments. they lied. Moreover, I found out from an employee that they were retaliating because of my numerous complaints against them. I have paid of the credit card in FULL as of XXXX. I called today XXXX to close the account and they began reading me " a disclosure '' saying that if I close down the account, they may never issue me a credit card in future. This is illegal and this needs to be looked into. My other banks have agreed to help me. I spoke to management at XXXX, XXXX XXXX and XXXX XXXX NONE of them reported me to the credit bureaus. None of them lowered my credit limit. Comerica BANK is a XXXX and discriminatory bank and I will never use them again. CFPB needs to look into them ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/WALMAR. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting XXXX  and XXXX  Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Debt collection

My Husband & I joined XXXX XXXX a year ago and I am on the account.We always paid our bills on time.Since joining my Husband has ended up in XXXX & left me with XXXX money. I am low income & have a small child to raise.Our FINAL bill was {$160.00}, I emailed XXXX XXXX asking for a payment plan of {$20.00} a month ... .more if possible.They accepted my request.My first payment was for {$20.00} & my second for $ 50.All the sudden I got a call from a collection agency named GC Services requesting the remaining balance of 99.00.I was upset bc my account was actively being paid off already.I never breached any agreement with XXXX.But I agreed to pay the balance on XX/XX/2018, as long as XXXX sent me a email or letter promising that they had not damaged my Husband 's credit record already.Not a lot to ask, if I am gon na pay them as requested.Tmw is XX/XX/XXXX & I have received nothing from XXXX, to this day . GC Services promised that I would.
Product: Debt collection

The balance they are reporting on my credit reports are wrong. Td is reporting I owe XXXX but the debt collection company is reporting XXXX please report accurate information or delete
Product: Debt collection

My complaint is with PayPal Credit, which opened an account in my name, some time in the mid to late part of XX/XX/XXXX, although I had never requested an account.

I pay for purchases on XXXX  by using my plain Paypal account ( which is identified by my email address ), and that Paypal account is linked directly to my XXXX credit card. I never asked for a PayPal Credit account, since my payments are made directly through my XXXX card. 
When I began getting emails and statements in the mail and continuous phone calls, I spoke to a representative there ( around XX/XX/XXXX ) told him that I never opened an account at PayPal Credit - that he should send me proof that I had requested an account ; he said he would mail me this 'proof ' but it was never sent ( because such proof does not exist ). I do not have his name. I did receive an email confirmation of my request for proof, that stated " We've received the document copy request regarding your PayPal Credit account. Once our research is complete, you'll receive an email notification. '' Now I continue to get phone calls, emails, and statements in the mail, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing that I owe hundreds of dollars in late fees/interest. I want these to cease. If they could show me any legitimate proof that I opened an account, I would pay. 
According to the report in XXXX XXXX ( at XXXX XXXX   XXXX XXXX ), with a consent decree ( see XXXX XXXX XXXX  ) PayPal Credit is under orders from the U S District Court for the District of Maryland ( In re XXXX XXXX XXXX. , No. XXXX, civil action XXXX Settlement agreement ), to halt such actions ( opening false accounts ). I have heard that until the end of XX/XX/XXXX, when a customer was checking out from an XXXX  purchase to make a choice of payment method, that clicking on just PayPal got CHANGED to PayPal Credit by them, which was definitely in violation of the US District Court Settlement agreement. 
I have attached the " statements '' from PayPal Credit, which, to make matters worse, are in the name of my wife, XXXX XXXX ( who has not had an XXXX account for ten years! ). Nevertheless, the phone calls come to my cell phone, and emails come to my email address.
Product: Debt collection

Call my workplace at least XXXX a day after I have told them that I can not have calls at work. They have not identified the name of the company where they are calling from, so I only have a telephone number.
Product: Credit card or prepaid card

I have disputed with the three credit bureau 's many times and had zero luck getting anything updated or accomplished. I have spoken many times to Wells Fargo associates in executive office as well. I applied for a mortgage earlier this year and was turned down because of a Wells Fargo Credit card charge off that is reporting on my credit report. I do not think this debt is accurate or mine. I had to settle for half of the debt in order to move forward with a mortgage. Wells Fargo collection department said it would update to paid in full. It is still reporting inaccurately on my report. The charge off date is incorrect because I paid the card in full in mid XXXX. The credit limit was {$1900.00} dollars. The balance was at around {$900.00} that was paid in full in XXXX. The highest amount reporting {$2100.00} dollars, of which I have paid {$1000.00} to settle a bogus debt. Now I also had a checking account with these folks which was my only account that I used to make payments to this credit card account. Every time I have tried to get credit card statements ( I have never received a statement since early XXXX ) I am denied and routed to the " collections '' department. I have also tried on the checking account side of things to gather statements from the old checking account with no luck. I know there was no payments authorized for this card since I paid the account in full in XXXX. One representative said that payments continued to be applied to credit card from " savings '' account all the way into late XXXX. The worst part is I didn't even have a savings account with Wells Fargo or any debt against this credit card for that matter. This has cost me major time, money, and stress. I had to settle for a higher mortgage rate, I have hired agencies to clear this up, and I have spent my own man power to try and tackle this issue. Please help a consumer out against these corporate scammers.