23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around  XXXX    XXXX  , a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The ite m ( Inspiron 3050 - a  microcomputer ) was received at my home add ress ( redacted ).  It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ). I  was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of   XXXX  , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in u nder one year ( >   {$300.00} by the end of   XXXX   )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. On XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX added a derogatory mark on my credit report per Equifax. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Equifax has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX, XXXX, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

In? XXXX I received unemployment benefits? On. The? Bank of America Visa. Prepaid. Card to XXXX while receiving benefits I had experienced identity theft and unauthorized transactions due to fraud within my account 2 and a 1/2 years ago. I open the dispute 2 of them one in the amount of {$1900.00} the other 1 in the amount of XXXX. {$180.00} now they have opened and close them numerous times but upon receiving verification documents from me in XXXX of XXXX in reference to my identity theft and the fraud within my social security number that has been taken out by. An unknown person they have reopened the claim both claims and both of them have been in a pending state. I have contacted the number provided to me through Bank of America claims department and all they can do is escalate and write a complaint to the department. In reference to the time frame that has been exceeded as well as the non correspondence of communication and lack of interest based based on my accounts even with the. Documentation verifying everything that I have claimed. Tell the state I'm still trying to get Bank of America to. Please put the account funds back in my account that were fraudulently taken out by another individual who got access to my card. I did not want to take this route. Against speak of America but I think 2 and a 1/2 years is well above and beyond the time frame needed.
Product: Debt collection

I received a letter that I owe money to a utility company and Aargon Agency has now reported this to the credit bureau. I called and emailed them and as of yet no response at all. I lost a credit card because of this. I do not owe any money to XXXX utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Td bank USA/ XXXX credit card is the company in question. XX/XX/XXXX to XX/XX/XXXX I was reported late by this company to the credit bureaus. That is 7 late payments that I was never late for. At the time I was mailing my payments in. Unknown to me the checks I was mailing were not being delivered to the company. The mailman was stealing my checks and using my banking information for fraud. At the time I was going through a divorce and was not paying attention to my finances as well as I should have. I was approached my the post master general and told of the situation and told the person had been arrested for check fraud. I should not be held liable for this. I have paid this account on time for 5 years and have 7 late payments that I am not responsible for. The account is current and paid on time. Soon as I found out my checks were not reaching the company I paid them again and the account has been current for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several requests have been made to XXXX to furnish documentation showing I signed up for services. They also have not been able to provide any bills dated for the time period or the balance shown.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confiriming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information.

1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claimed is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes i checked my report before trying to open a secure credit card and noticed some accounts that do not belong to me. 1 ) XXXX XXXX of {$900.00} that was opened in XX/XX/XXXX 2 ) XXXX XXXX XXXX of {$300.00} that was opened in XX/XX/XXXX 3 ) XXXX XXXX/ XXXX XXXX. Also I have some inquiries that do not belong to me as well. 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX and 6 ) XXXX/ XXXX XXXX XX/XX/XXXX
Product: Debt collection

This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  acknowledged that I opened the account on  XXXX  and closed my account   XXXX  . I had an account where I paid monthly and the service would be cut off if I did not pay my monthly {$45.00}. I did not sign any 2 year contract and I did not buy a phone from  XXXX   XXXX . When I canceled the account, at  XXXX   XXXX  's approval, they did not inform me that I owed them anything. They say I owed them {$730.00}, but when I contacted  XXXX   XXXX  's headquarters on   XXXX   XXXX   XXXX    , they would not provide me with any proof that I ever owed them anything before the date I closed the account on   XXXX  .     According to the Credit Report,  XXXX   XXXX  indicated I opened the account on  XXXX  - I DID NOT.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company is reporting a debts that are inaccurate to my credit report. This company is reporting a debt of XXXX to my credit report falsely. This company is also violating the hippa law I did not authorize my information to be giving to them I have no debt with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and it shows multiple hard inquiries that i did not authorize and i am asking for it to be removed from my report.
Product: Credit card or prepaid card

I have a total of XXXX credit cards showing on all three major credit reporting agencies. While I was XXXX XXXX I placed a fraud protection on my account to make sure nothing like this would happen for the several years I would be unable to monitor it. At the beginning of 2021 I had my credit ran for a homeloan with my husband to then learn from the bank of these XXXX credit cards. The same thing happened to my husband. We have learned that my sister while in my home stole our credit and I informed all the credit cards companies and gave them police reports, as well as a letter detailing that it was impossible for us to open them while XXXX XXXX because they were supposed to call me prior to opening any credit card because my credit was on fraud protection alerts. It would have been impossible for them to speak to me because of the fact I was XXXX XXXX in the location I was in. IMPOSSIBLE. So I could have not open any credit cards. They have been unwilling to cancel the cards and delete them from my credit report. But they had no issues with charging them off because I refused to pay for cards that were fraud. My sister is now incarcerated because she was charge with stealing XXXX peoples credit cards and personal information to open cards. I am please asking for these to be asked to be deleted by your agency. I need the help from you because the credit card companies do not care that my service would have made it impossible for me to open them. They also failed to protect me and check with me per my fraud protection. Instead they ran my credit and allowed someone to open XXXX ( XXXX ) cards in my name. The cards are listed below. 

Capital One Credit Card : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally prot consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Trafficking-Related Items from Credit Report Dear Trans-union , I am writing to formally request the removal of certain items from my personal credit report. As a victim of XXXX XXXX, I recently reviewed my credit report and identified information that originated as a direct result of the trafficking I endured. 

These items were not authorized by me and are linked to circumstances beyond my control during that time. I kindly ask for your assistance in removing these inaccuracies from my credit report to ensure it reflects accurate and fair information. 

Please let me know if additional documentation or evidence is required to process this request. I am prepared to provide any necessary details to facilitate the resolution of this matter. 

Thank you for your understanding and prompt attention to this sensitive issue. I look forward to your response. ( Please only respond to this email address due to the sensitivity of this matter at XXXX ) Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX continue to call my business phone number trying to collect a debt. They call from several different numbers and continue to do so after I block their numbers
Product: Mortgage

We were approved for a conventional loan for a single-family home on acreage, only to be told two weeks prior to closing that the mortgage company would not be able to fund the loan given the property type. During the mortgage application process, we disclosed the property was a modular home on a permanent foundation ( as described on the listing ), and there was no mention of the possibility that the lender may not be able to proceed until the appraisal was ordered and submitted. The appraiser was not even able to upload the appraisal, without the appropriate form needed -- as it was determined to be a " manufactured '' residence. Several days passed with no word from the mortgage company in regards to the status of being able to proceed, as they scrambled to pull the tax records on the property ( what they should have done previously ) and review their own lending policies only to arrive at the decision that they could NOT provide the loan. Devastated by the news that we would have to seek out another lender in the eleventh hour and plead for an extension due to this enormous oversight -- we requested a refund for the appraisal, as it should not have been ordered in the first place if the several loan officers we spoke with had done their due diligence. They responded by blaming our real estate agent, denying that we had provided advance notice of the property type to the initial loan officer ( after only pulling one phone conversation of several ), and stated that a refund was not in order as it would violate " Fair Lending '' laws and regulations. We wasted several precious days waiting for USAA to piece together their story in radio silence -- only getting bits and pieces of elusive responses when saturating them with calls and emails. The complete lack of professionalism, courtesy, and general competency was beyond infuriating. We should have been made aware of their inability to do business much sooner, and are incredibly disappointed in the lack of attention that has cost us our time, money, and possibly, our house.
Product: Debt collection

On XX/XX/2020 I received a letter from NAVY FEDERAL CREDIT UNION, stating that I owe on an alleged debt. This letter contained violations to my rights pursuant to Title 15.
Product: Student loan

At first the company was called XXXX XXXX. I needed help with making payments to private loans. They would n't help me by lowering the payments. I could n't afford {$400.00} a month in payments. 

XXXX XXXX went bankrupt and Navient took over. They said I couldnt use any XXXX options or anything. I tried to explain to them in XXXX I was out of work and coouldnt make payments. They would n't work with me, I could n't afford {$660.00} a month. They kept calling my family, my friends and me to collect the money. They got my new job number and kept calling their too. I told them once again I needed help with payments but didnt offer options. 

For years they have been reporting to my credit bureau negativity. I cant buy a house or anything and I dont know what to do.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan and went back to pay it off and take a new one the next day. This is a process I have used before. When I made the payoff it was a lot higher than it usually is and the person at the store couldn't tell me why but said I was not the only person who was complaining about it being higher but the company had not released any info to the public or them about any changes. I then went in the next day to talk to the store manager and she told me she didnt have any access to my loan info only what my last pay off amount was but no details on the current or older loans to help compare. She then gave me the number to the customer service over the phone for the company I called them and they couldn't give it to me either they said the store is the only one who can provide this info. My last attempt to get the info was speaking to the area manager who told me he would get with the loan dept and find out why it was higher and get the info on the interest, When he called back all he said they were able to give me was the reason the prior pay off was less is because i took out a smaller loan which has nothing to do with what I was asking for. I mentioned it was a violation of the truth and lending act to not share the details of the loan with me when requested and if he cant get it the store cant get it the customer service number cant get it and the loan team doesn't have access how in the world can I get the info he simply apologized and said it was all he could give me. I still had to take out another loan as I wasn't financially prepared to pay it all off at once and not take a new one so I am currently making installment payments on the loan now and they cant give me info on this loan either.
Product: Credit reporting or other personal consumer reports

I am a victim identity theft due to security breach.
Product: Credit reporting

This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XX/XX/XXXX Closed {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1200.00} High Balance {$1200.00} Remarks Account information disputed by consumer, meets FCRA requirements Item Results Result : Based on your dispute request, TransUnion has included new information on your TransUnion credit report. 
Dispute Reason Ownership : I have no knowledge of this account. 
XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$650.00} Remarks Consumer disputes this account information Collection account See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION RENTAL SCREE Inquiry : XXXX XXXX, 2020, XXXX XXXX DEALER S Inquiry : XXXX XXXX, 2020, XXXX  Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.