23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Consumer XXXX, XXXX, XXXX entered into a Consumer Credit Transaction with American Credit Acceptance on XX/XX/2019 I use my credit card as defined under 15 usc 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card i use is my Social security card. And there was a finance charge involved as defined under 15 usc 1605. American Credit Acceptance then took my credit and got a loan and being to violate 15 usc 1692e. Because they falsely represented the STAUS of debt.
Product: Credit card or prepaid card

I received a letter from Chase XXXX services stating I was denied their credit card. I informed them that I never applied for their Chase Freedom XXXX. I was told someone on Saturday, XX/XX/2021 appled for the card. I was in the XXXX XXXX XXXX library that day using the computer which I realize is not that secured. It had to happen on that day. Chase wrote me a letter on XX/XX/2021 outlining steps I need to proceed. I was told to go online at XXXX and start the paperwork. 

I check all my other accounts and nothing is happening in terms of theft. I would prefer only a temporary fraud alert at this junction.
Product: Bank account or service

I have had a basic, no monthly fee bank account with XXXX Bank until around middle of 2015 when XXXX Bank was acquired by Cathay Bank and all the XXXX Bank accounts were transferred under Cathay Bank. My account was also transferred under Cathay Bank but instead of the same basic no monthly fee account I used to have it was the type with $ 15 monthly fee. When I opened my bank statement from Cathay Bank and saw the $ 15 monthly fee, I decided to go the bank branch and inquire about the fee. The manager said the bank has sent all customers about the account type change and refused to refund the {$15.00}. I believe from a matter of principle what Cathay Bank has done is not right.
Product: Credit card

I made a purchase from XXXX ( " XXXX '' ) on or about XX/XX/2016 and used XXXX credit cards to pay for this purchase -- Amex and XXXX Master Card. XXXX failed to deliver the merchandise in the condition promised and I refused to accept delivery. I disputed the charge with both, Amex and XXXX Master Card. After a lengthy investigation, XXXX resolved the dispute in my favor and issued a permanent credit. Even after XXXX has accepted return of the merchandise, Amex continues to refuse to resolve the dispute in my favor and issue a permanent credit.
Product: Credit reporting or other personal consumer reports

The report is showing that I owe {$590.00} to an apartment complex in some where, I have been living at my current location from last XXXX  years. Someone use my information and and now my credit report has a collection report on my report that causing my score is going down and I cant get things that I rightfully deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Flagstar Bank has a forbearance process due to COVID-19 for those needing to bring loan current, and modify terms. The main issue it appears, none of their systems take to each other. Meaning, if you call to speak with someone, and they input the request does not mean anything. You still must go online and submit the application, which is not clear on requirements, and criteria. I was promised a six-month reprieve until XX/XX/2022. However, I received a " Notice of Default and Intent to Accelerate '' letter stating the {$23000.00} must be paid by XX/XX/2022. 

The notice sent has a phone number XXXX to contact. However, when contacting the office, and no one is available. I have left a couple of messages within the past 2 weeks. The message system even leaves your contact number in the queue for a return call. I'm concerned, the left hand and the right hand are not talking to each other purposefully.
Product: Credit reporting or other personal consumer reports

its under bankruptcy i paid off 3 yrs ago they keep changing the status the debt adding amount or reporting the debt late they are using old debt to lower my score verifying old debt like XXXX XXXX they are doing it with several of my bankruptcy accounts ive had to sue XXXX venders I'm asking you to take notice to all three credit bureau doing this when i dispute it they are reporting items in my bankruptcy account late payment or they will put amount or code for creditors or lenders to see. i sent each bearu 8 pages of disputes to all three XXXXthey XXXX reported XXXX 30 days ago as write off i ask them for 1099C Schedule the debt disappeared from my credit now it with another company with a different amount XXXX this all happened in the middle of dispute XX/XX/year>2024. Equifax XXXX and XXXX. I'm asking you to investigate why they are assisting the companies to put false amounts on my report and i have ask for documents when i catch them in a lie them they are aloud to change the lie and creditor amount and not give me a response that ask for creating false reports and writing debt off to IRS and selling it to collections agencies and the credit bureau know exactly what i asking for and they are assisting them. defrauding the Govenment!!!!
Product: Credit card or prepaid card

I closed a credit card account with Bank of America about 2 months ago and paid off the remaining balance on XX/XX/2022. 
The employee I spoke with confirmed via phone that the card was completely paid off and that there would be NO remaining fees. The reference number for this call was # XXXX. 
I received a bill in the mail a few days ago stating a " finance charge '' of {$10.00} on XX/XX/2022. This makes absolutely no sense to me as the card is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN STRUGGLING TO HAVE THE XXXX XXXX XXXX FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT, MY CREDIT PROFILE, THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO XXXX  XXXX XXXX AND TO TRANS UNION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE SENT THEM ALL REQUIRED DOCUMENTS AND PERSONAL STATEMENTS. BUT I FEEL LIKE NO ONE CARES ABOUT THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed My TransUnion Credit Report today and saw some suspicious inquiries that were n't made by me. Although I have a freeze on my account and an alert that some one needs to contact me whenever a line of credit is opened in my name. Once contacting the companies they stated I needed to contact the credit bureaus to get them removed. Here are the unauthorized inquiries : 1.XXXX XXXX ( X/XX/17 ) 2.XXXX ( X/XX/17 ) XXXX XXXX ( X/XX/17 ) Please look into this for me.
Product: Debt collection

I keep on receiving callas about a debt that paid by XXXX. I submitted proof to this debt collector that this was paid and that I was in fact covered under XXXX during the time of her service. They continue to call me 5 times a day every day. It is abusive and they have the incorrect information. This bill was for my daughter. Please have them stop calling me. They never sent me a debt validation letter as requested.At this pointy I believe this is fraudulent and they are trying to collect money that was paid.
Product: Debt collection

I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt  because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is  severely damaging my otherwise excellent credit history. Thank you.
Product: Student loan

This is in reference to complaint. XXXX XXXX XXXX also asks about the IP address used to take out the private student loan. The IP address used to sign the promissory note and to access the account was XXXX. XXXX XXXX asks why he didnt receive the cosigner information back in XXXX. This loan does not have a cosigner, so Aspire Servicing Center is unable to provide information about a cosigner. The results of Aspire Servicing Centers investigation was provided to him with the XX/XX/XXXX, ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
The statement above is from Aspire Servicing Center. I just have a few more questions. 
Aspire Loan states the IP address used to sign the promissory note and to access the account was XXXX... I have attached the document the shows the IP Address. This is pretty straight forward. Pull the IP address, location, etc. Why can't aspire loan take the effort to do this and provide the results to myself to review and then give an explanation on how it relates to my ID Theft? Also, Aspire loan states there is no information on the Cosigner. I have attached a document that states there was an application for a cosigner. Don't you think this is relevant to my ID Thief? What else is Aspire Loan withholding? What's relevant in this matter is how the application was processed, the IP Address of where it was processed and signed at, the COSIGNER application and denial letter, and everything that was done from the start of the application to the disbursement of the last amount. I want every transaction, document, and explanation of what happened. Can aspire loan pull detail information on the IP Address? Businesses have to cooperate and provide all information that is requested and related to the Victim of ID Thief as required by FTC and XXXX. I have a legal document stating account XXXX with XXXX XXXX was dismissed for evidence of Fraud and Frogery in XX/XX/XXXX. This account was opened and used at the same Bank location of XXXX in XXXX IA. XXXX. I have not lived in XXXX IA since Fall of XXXX.There 's no po Another point is my attorney at the time XXXX XXXX wrote a letter to Aspire loan service in XXXX asking about this loan as it relates to my ID Thief. In addition to my Police report I filed in XXXX stating fraud in my loans. I did access it in XXXX b/c I wanted to look into this account and see what has happened. That doesn't mean I opened the account and took out the loan. That just means I was investigating my ID Thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts as follows # XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX XXXX XXXX ) 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Sections 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello there! I recently read through a copy of my credit report and I saw address on there that is not correct. I looked up your website and I have enclosed the proof of current address that you require. To make the deletion easier, here is a list of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX Additionally, these INQUIRIES are NOT AUTHORIZED, I have review my financial transactions and remember doing NO BUSINESS with these financial agencies : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Most, importantly, to avoid future possible fradualent activities in my credit report please make sure that this is the only name XXXX XXXX and address XXXX XXXX XXXX XXXX XXXX Florida XXXX that should show in my credit report. Other personal information that reflects in my credit profile, you need to REMOVE it : These are MISPELLED Names in my Credit Report : XXXX XXXX XXXX XXXX These are the ADDRESS that DO NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I suspected identity theft and took action to stop it. My credit report is showing the accounts and they arent mine. REMOVE them please ; delete the accounts from my credit report. The reporting is an error and ( the accounts are not mine ). I dont have a knowledge of them. My entire cred report *is flooded with accounts that arent mine.
Product: Checking or savings account

On XX/XX/XXXX the amount of XXXX and XXXX was unauthorized ( XX/XX/XXXX was posted to the account ) and was used to process the transaction without my permission. I called Well fargo the day after to change debit card because of the unauthorized charge. The investigation was opened after some time the investigation closed and they declined to refund me the unauthorized transaction because of lack of information which was impossible to provide because there was no way of providing evidence of something that I didnt do. couple days later I got an email most likely from either well Fargo or a fake company trying to impersonate as an employee of well Fargo as a means to intimidate me or someone indirectly connected to well fargo which is most likely since it occurred few days after, I want credit posted on the account for both unauthorized charge it is unnaceptable that a company like well fargo would not resolve customer dispute. I am extremely dissatisfied by the service. The worst bank I have ever seen in my whole entire life .Also an employee was filing a complaint when I was disappointed with the outcome of the investigation without my permission or disclosure of these policy ahead of time to consumer which is very deceptive. I want them to be held responsible for all of the above, the lack of transparency and incompetence of solving disputes and satisfying customer complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft/databreach see attached documents
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries from : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, another inquiry from Credit XXXX, XXXX XXXX, a third inquiry from XXXX XXXX a second inquiry from XXXX XXXX XXXXXXXX , a second inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX  I DID NOT AUTHORIZE ANY OF THESE INQUIRIES .
Product: Credit reporting or other personal consumer reports

A fraudulent report of a collections account was placed on my XXXX report. I have already reported this to XXXX and Equifax, but this fraudulent account was not yet reflected on my XXXX credit report. Fortunately, XXXX has already removed this from my account, but it is essential that it is removed from all credit reporting, as this is not a valid report, and it is severely impacting my credit, which is unjust. 

A collection agency called " XXXX, '' put a fraudulent claim from " Original creditor University XXXX XXXX  '' on my credit account. I have already confirmed with the registrar at XXXX that no debt was owed. I hold a XXXX. from XXXX University, an XXXX from XXXX University, an Ed.D. from the University XXXX XXXX, and a post-graduate certificate from XXXX XXXX University, and I have never had an unpaid balance on my education accounts. This should provide context for my creditworthiness. I am also a higher education professional and faculty member. There is absolutely no way that I would have an unpaid balance for a course. Moreover, the fraudulent claim in question is only for {$120.00}, which is less than the cost of a single credit hour. As such, it does not require much inquiry to identify this as an invalid/fraudulent report. Before this randomly appeared on my credit report, I had never heard of " Conserve. '' They have not contacted me, or offered an opportunity to contest this inaccurate claim. 

This significantly impacts my ability to buy a home significantly and amounts to fraud. If this false claim is not removed from my credit report promptly, I will be taking legal action. As a higher education professional ( and XXXX. ), I will also be reporting XXXX to the Department of Education for the practice of placing a fraudulent debt for collection. This action goes against the very mission of institutions of public education. I considered attending XXXX for professional development one semester and dropped the course before the semester even began. The registrar confirmed that it was dropped, and no fee was owed. Regarding " conserve, '' this organization has no legal right to place a fraudulent debt on my account and destroy my hard-earned excellent credit in a moment. I am looking to buy a home and may have to renew my lease now because this fraudulent action incorrectly tanked my score by nearly XXXX points. This is ostensibly unjust and illegal reporting.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/year>XXXX XXXX NAME : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision XXXX of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX