23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XX/XX/XXXX
Product: Debt collection

I received a letter from DCM Services , LLC requesting identity of the person with authority to pay debts of my husband 's estate. My husband died 2 years ago and he/his estate had no outstanding debts of any nature. I have never received any notices of amounts due to anyone. There is no information regarding amount due or name or nature of debtor. This appears to be a phishing scam. I called the phone number listed and left a voicemail advising them that he had no debts and not to send any more similar mail.
Product: Credit reporting or other personal consumer reports

I decided to voluntarily surrender the vehicle in XXXX of XXXX due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as XXXX XXXX.
Product: Student loan

I have been working with Navient for some time now with both my private student loans to work towards the repayment. 
Since I have been working with Navient they have not been forthcoming in terms of providing me with appropriate repayment options until I had started with School at XXXX around XX/XX/XXXX. 
They provided the option for me to pay {$100.00} on my student loans while I was in school. However in XX/XX/XXXX they had canceled that payment plan option for me because they said that I had exhausted this option which I felt was ludicrous as I have been paying for my current education out of pocket because I do not have any aid funds available which amounts to {$4000.00} every 6 months which equates to {$660.00} a month that needs to be saved to pay for this. 
Now Navient also wants me to pay {$850.00} a month towards my student loans, which is too much for me to be able to pay both and still be able to take care of my family. 
I have asked Navient when I first was told of this plan cancellation to see if there are any further programs I can be part of since I am going to school and I keep getting told that I am not longer eligible for any programs as I have exhausted them all which I don't believe that to be true as we are also in the era of COVID and based on Navient 's website is that they do have other programs available but no one had even mentioned them to me. 
When I have asked Navient employees during our calls " Is paying on my student loans from a fraudulent school more important than pay for my current education and even putting food on the table? '' There was never any answers. I have let them know that I am not refusing to pay but I will pay what I can so that I can have a better future to be able to pay down on my loans without feeling like I have to choose a bill or basic living necessities. 
I have received notice via the Borrower Defense program that my direct student loans have been forgiven from XXXX XXXX and what else I find unsettling is that the majority of my private loans are also with XXXX XXXX the servicer is not willing to work with me on providing any suggestions or assistance to help with the repayment or even recommendations regarding the fraudulent school.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX appeared on my credit report. It shows a medical bill from XXXXXXXXXXXX XXXX. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXXXXX  really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.
Product: Credit card or prepaid card

The Account Im disputing, was sold to XXXX XXXX XXXX, XXXX in XX/XX/XXXX by Synchrony Bank/Gap . This Account was one that I had called in to Synchrony Bank/Gap for in XX/XX/XXXX as a fraud account, opened fraudulently in my name. Back in XXXX, they reviewed the Account and they deemed it fraud. My actual social security number was never used to open any Synchrony Bank/Gap accounts after running it through their database, then and now. Therefore, to my knowledge they closed it and reported the fraud account to the credit bureaus in XXXX. 
Unbeknownst to me, after Synchrony Bank/Gap closed the Account, having the notes on file since XX/XX/XXXX that it was a fraudulent account, they sold it to XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX. Now, XXXX XXXX XXXX, XXXX is actively suing me for this fraud account. I called Synchrony Bank/Gap right away to inquire about the " Account '' mentioned in the lawsuit. They repeatedly apologized for their negligence of how it was not properly handled by the representative. The representative closed the account but did not send the fraud alert to the credit bureaus. This is why for all this time the Account seemed valid, it was not properly handled by the Synchrony/Gap. They still have on file the fraud, the notes, and the calls in XXXX. I have never signed up for an account, to this date, with Synchrony/Gap. I never filled out or signed an application for a Synchrony/Gap card. Synchrony Bank/Gap is currently working on getting me the fraud paperwork.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX ) # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX
Product: Mortgage

I am writing to complain about JP Morgan Chase refusal to credit my mortgage account with late charges in the amount of {$300.00}. These charges incurred in the account over five years period and were caused of technical issues on Chase.com own website in processing my payments on time. To date, the full mortgage balance has been paid off including all fees involved. I strongly believe that Chase should credit me the amount of {$300.00} since these charges were beyond my control. I had a strong history on making my payments on time. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 

Subject : Formal Dispute of Inaccurate Information Under 15 U.S.C. 1681s-2 ( b ) Civil Liability for Negligent Non-Compliance Dear Credit Bureau Representative , I am writing to formally dispute inaccurate and misleading information that appears on my credit report. This information is in violation of the Fair Credit Reporting Act ( FCRA ) and has resulted in an unjust negative impact on my creditworthiness. 

The disputed account is as follows : Creditor/Furnisher Name : XXXX Account number : last 4 digit : XXXX Date of Reported Inaccuracy : XX/XX/XXXX Disputed Information : Account closed Legal Basis for Dispute : Pursuant to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct a reasonable investigation upon receiving notice of a dispute. Under 15 U.S.C. 1681o, civil liability is imposed for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). The inaccurate information on my report has not been verified according to the standards required by law. As a result, I demand the immediate correction or deletion of this erroneous data.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INSTUCTONS
Product: Debt collection

My son and daughter in law live in XXXX. My son and I have the same name. A number of years ago my son and his wife bought a car through XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX. I was in now way involved with this loan. I did not co-sign on this loan. My son also assures me that this loan has ben satisfied. My complaint is with MacDowell and Assts. Ltd. Inc. XXXX XXXX XXXX XXXX , XXXX. XXXX. Thursday of last week My employer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, informed me that my wages have been garnished by order of the circuit court of XXXX County XXXX. This was done through the action of MacDowell & Assts. Again I was not involved with the original transaction in any way. 
My best guess is that MacDowell did some sort of skip trace procedure and came up with my name. MacDowell never contacted me. They just filed the garnishment. Of course this was done under the wrong social security number. Is it right for companies like MacDowell to through information against the wall and to see what sticks regardless of the time, money, and embarrassment it may unjustly cause? I have also left the voice mail messages and they have not returned my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was submit a complaint with XXXX XXXX about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XX/XX/XXXX 2. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with SPECIALIZED LOAN SERVICE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the XXXX and XXXX Credit Bureau and the SPECIALIZED LOAN SERVICE but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},
Product: Mortgage

I refinanced my loan in XX/XX/XXXX I transferred my escrow to pay for the insurance that was due in XX/XX/XXXX.  Loandepot failed to pay the insurance and insurance was canceled. I was on the phone with insurance company and Loandepot for four months as the kept telling me it was paid and I could see it hadn’t been.  The insurance was finally paid for in XXXX and I personally had to pay XXXX in fines and taxes before they would reinstate the policy. I have attempted to resolve this issue but they keep telling me that they sent me the overage in escrow to cover that. That was already my money. I feel Loandepot owes me that money as they failed to pay insurance on time.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am a victim of identity theft. Several years ago my office was broken into and my wallet was stolen, as was my passport. I filed a police report with the XXXX Police Department which I have attached to this dispute. I recently attempted to establish a XXXX account but was told my XXXX account was frozen. I did an online chat and was told that because I had violated their terms of service I was banned from the XXXX service. I have never used XXXX before so I could not have violated any terms of service. I suspect someone has used the XXXX service in my name and there may be a debt or issue lingering due to this identity theft. I told XXXX about this and told them I have filed a police report but they did not want to see the police report nor would they disclose to me if an account had been opened in my name.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I signed up for a US Bank XXXX XXXX XXXX XXXX card, which advertised {$500.00} in cash back after spending {$4500.00} in 6 months. I met the spend requirements in XX/XX/2023. 

However, I never received the cash back. I asked US Bank about this, and they said they needed 30 days to look into this. The 30 days passed, and still no cash back in my credit card account.
Product: Credit reporting or other personal consumer reports

I had a checking account with XXXX and XXXX bank and showed my police report along with my ftc report and its still states I owe them when they were open as a result of identity theft
Product: Checking or savings account

I've been a customer of PNC Bank for years. I have never in my entire human life had an issue with a bank. PNC bank first charged me 2 or so months in fees while I was attending the death of my brother whom comitted XXXX in XX/XX/2019 in XXXX. We barely had any phone functionality. We have barely any power for the entire country. It made it impossible to call PNC, even though I would try to remote into my desktop at home ( USA ) it was unreliable. I come back in XXXX and talked to PNC on 6 occasions about the fees since my brother comitted XXXX and I was not here they said no problem we will refund you. That was a lie. About 17 hours later on the phone in the 2.5 months since XXXX I have been met with lies, and more lies. I stopped by a local branch in XXXX MD, and spoke to the branch assistant manager who said we are so sorry, she stated she wrote a report to the back office, and that this will be cleared out and that the fees will be taken off, and my account will be in great standing. She said give it about 10 days. She also stated shes never seen anyone have any issues after she submits a report. Its been 1 month now and I received numerous calls from PNC who stated they are attempting to collect a debt. I was caught off guard. She stated she saw no notes about what I mentioned. She stated she will talk to her supervisor and contact me back. I never heard back. They also disabled my online access, and removed ALL my statements - which I need for my taxes. They said I can send them a check in the mail for each statement I request. This is INSANTIY.

The account closure happened while our entire Country is dealing with a global health crisis - COVID-19. How dare a bank take  advantage of this. MY WIFE WAS IN THE HOSPITAL FOR THIS AND I GET CALLS DURING COVID 19 TO PAY SOMETHING I WAS TOLD I WOULD BE REFUNDED?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice of credit opened in my name ( Uplift , Inc. ). Advised company. Now I am getting negative credit notices for past due balances.
Product: Credit reporting or other personal consumer reports

I just looked at my Transunion credit report on XX/XX/XXXX and I saw some inquiries on my report that did not have permissible purpose and that I do not recognize. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Wells Fargo credit card services closed my account on XX/XX/XXXX, because of late payment on one of my other credit cards. I spoke to them on XX/XX/XXXX and they refused to give me my rewards that I earned through there credit card. It was about {$1200.00} dollars worth of rewards that they owe, and the person who I spoke too refused to give those rewards. They said the only way to get those rewards was to reopen that account. I spoke to someone in customer service about reopening my account and they said that the account is permanently shut down and would and be reopened and the rewards are therefore forfeited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to XXXX XXXX  but they were no help Thank you. 


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

ive just received my credit profile and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX, XXXX, as well as fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2
Product: Debt collection

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : 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 than 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.