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

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit on XXXX through XXXX XXXX. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from SageStream LLC is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. 



Thank you
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, TransUnion and XXXX ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Tracking # : XXXX Trans Union LLC XXXX XXXX XXXX XXXX box XXXX XXXX XXXX PA XXXX Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX # : XXXX
Product: Credit card

I have tried to call CapitalOne almost everyday, basically they all told me they are working on it, no one is giving me a definite answer. My credit score dropped from XXXX to XXXX because of a fraud charge from CapitalOne. I need CapitalOne to report the correct information to credit bureau to fix my credit score
Product: Payday loan, title loan, personal loan, or advance loan

When I signed up for Amica, I was under the impression it was for a lease as stated in their contract, but they gave no way of returning the product and then charged excessive interest fee fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX ) The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # XXXX, Account amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$800.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX Account # XXXX, Account Amount : {$1900.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$360.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$1000.00}, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Amount : {$9900.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$500.00}, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Acount Amount : {$270.00}, accounts 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 permission instructions.

15 U.S.C 1681 C. ( 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 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: Credit card or prepaid card

XXXX XXXX opened this Barclays credit card account without our authorization. They've used our personal information, we don't have any knowledge that they opened a credit card account for us and also made unauthorized charge. I did not agree to any membership, a loan, or a credit card. They used my personal information to open these accounts without my permission. This is fraud and I am a victim of theft. I have filed complaints. They should be investigated for this kind of fraudulent actions. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit card or prepaid card

XXXX : I placed an order for {$990.00} on the website to pick up in store, using a coupon. ( these discounted prices do not show up on the available receipt for some reason ) XXXX : I went to pick up the order in the store and only 2 of the 7 items were available for pick up ( {$200.00} adjusted order total on receipt ). 
XXXX : Credit card statement cut showing that I owe {$340.00} for the transaction. It seems like Home Depot shorted me about {$140.00}. 
XX/XX/2022 : I filed an investigation with the credit card company, but they told me that after investigation, they do not owe me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Bank of America that was modified on XX/XX/2018 after a chapter XXXX bankruptcy was discharged inXX/XX/2018. The mortgage was discharged for a little over $ XXXX and now my mortgage is {$210000.00} and I have been making monthly payments since XX/XX/2018, in the amount of {$1600.00}. None of this is reported to the credit agency. My account is listed as closed. I am paying a mortgage every month and I have a balance now greater than my original. I may not be liable to pay this bill but I do and the bank should be reporting the new amount balance and payments. I can't refinance a loan that looks to be closed. I can't repair my credit if the payments I make go unreported. I am in a very dangerous situation that if these payments are not made the bank takes the house, but I pay and I get no credit for having a mortgage or paying it. It does not help my credit get re-established and it looks as if I don't have a mortgage when I do. This is unfair business practice. I need the loan to be reported on my credit report. Nothing prevents the bank from reporting my loan and on-time payments. They just can't report anything negative. The debt owed on this reported closed account is paid monthly and it should be reflected on my credit report that the account is active and in good status. My payments should be reported to my credit agencies. Bank of America said they will never report my payments to the credit report for the life of this loan. This is an unfair business practice. They should change the account number just as other companies did after my bankruptcy to allow for reporting. I should not be a slave for a mortgage company and can't refinance or get credit for the payments I am making and have been making since XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a number of erroneous reports tried to dispute each. No action taken by reporting agencies ( Equifax, XXXX, and XXXX ). 

Erroneous report # XXXX and # XXXX XXXX XXXX XXXX XXXX XXXX XXXX victim of Identity Theft. XXXX had to completely fix account after giving unauthorized access to another person posing as me. XXXX XXXX XXXX was made aware of the issue and still demanded payment of fraudulent transactions or face legal actions. 

Erroneous Report # XXXX XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX XXXX repayment of illegally charged fees as well as collection fees. XXXX actually used legally was paid on time. however I disputed the fees posted to my Account by XXXX XXXX asking for my signed copy of the agreement which was not provided. Within a day of the dispute XXXX XXXX immediately closed and sent the illegal debt to in-house collections and within 20 days sold the debt to multiple collection agencies. XXXX XXXX remains as the sole owner of the fraudulent debt. 

Erroneous Report # XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX.re XXXX refuses to allow dispute of this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report name is incorrect. My correct name is listed under " Other Names Used ''. I downloaded a report on XX/XX/18.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

For years I have been paying XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX faithfully every month on medical bills. Because of that I have to remain sick because I am not able to pay the 20 % my insurance does not pick up.
Product: Student loan

Sallie Mae Student loans belong to Daughter and there making me responsible for repayment of loans I never applied for loans, I'm disable vet on fixed income and meet there loan forgiveness program but they refuse to honor their commitment to the disabled and refuse to provide me with the information because they say it's my daughter loans but they show up negatively on my credit report please help me to live what life I have left in peace. loans ( XXXX ) {$6100.00} XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I separated from my wife in XXXX after finding out she was taking out lines of credit and credit cards in my name without my knowledge. We divorced in XX/XX/XXXX. At that time she was awarded the family home and I signed a quit claim deed. I Had to file Chapter XXXX I clouding her and the family home for added protection. Chase mortgage was included and surrendered collateral on home. Everything has been fine until this year in XXXX when my bankruptcy fell off my report. Then XXXX  reported this home on my report due to my ex wife being behind in loan payments. I contacted them as I and my new wife were trying to buy our own home. Sent them all this information and contacted Chase. But both companies refused to remove.
Product: Mortgage

We have requested freedom drop the pmi cost from our mortgage payment. The value of the house compared to the loan amount owed is within the guidelines where freedom should have dropped pmi automatically. Freedom continues to send advertisements asking us to cash in our our equity. I even called one time to see how it works nd they quoted me new mortgage payment, new apr, and the cash i would receive. How is all this possible but the pmi continues to be charged. My research states they are suppose to drop after value and loan owed achieve the correct ratio.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This company input negative information on my credit report and fails to fix the problem. I have evidence and proof that XXXX XXXX XXXX department sent me that this claim was resolved and this company fails to fix the problem. It is illegal to input negative information on my credit report without me knowing or giving me notice. I need an updated credit report from them and paid for by them letting me know that my report has been fixed and that this is no longer in my credit report on all 3 major credit bureaus XXXX, XXXX  and XXXX. Thanks They have been harassing me with phone calls and fail to fix my credit reports. In order to satisfy my need from this complaint I require a copy from every credit bureau sent to me with tracking letting me know that this issue has been fixed with evidence and proof. Otherwise I can sue this company in state court including attorney fees. All I need to present is the evidence I have and it will be an easy win for me.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Receipt XXXX Date : XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX United States Subject : Request for Assistance in Restoring PayPal Account and Opening a Dispute Dear Sir/Madam, I am writing to seek your assistance in restoring my PayPal account, which has been permanently limited, and in opening a dispute for a fraudulent transaction that occurred on XX/XX/XXXX. 

I purchased a hot tub from a seller who turned out to be a scammer. Over the course of several weeks, the seller provided various excuses, preventing me from opening a dispute on PayPal ( Receipt number:XXXX ). Eventually, the seller sent an email admitting that I had been scammed and advised me to " deal with it. '' On attempting to resolve the issue with PayPal, I was informed that my account has been permanently limited. I have no understanding as to why this action was taken, especially since I was simply trying to open a dispute for a product that I never received. This situation has been incredibly frustrating, and I am now left without access to my PayPal account and without the means to get my money back. 

I kindly request your assistance in the following : Helping me restore access to my PayPal account. 
Facilitating the process to open a dispute for the fraudulent transaction in order to recover my funds. 

I appreciate your prompt attention to this matter and any support you can provide in helping me resolve this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Student loan

I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. I submitted that information to my lenders Navient and the adept of Education. My loans were not delinquent before XXXX. Dept of Education decided to payoff to of the delinquent loans from XXXX yet there are still being report delinquent. I have several delinquencies reporting from both Navient and Dept of Ed even after sending them proof of my XXXX and agreeing to rehab the loan. I know that it is no one fault for my XXXX except my own. Yet these reports cause my scores to drop 100 points. I dont want a statement to be put on my credit report stating I was XXXX for that will only cause more harm. I have a problem that government agencies should as Lenders are allowed to report information when I believe they knew I was incarcerated and never reached out to me to try and defer my account until I was released from custody.
Product: Credit reporting 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. 


Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX 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.
Product: Credit card

I am a Victim of Identity Theft and I would Like to Notified all Three ( 3 ) Of the Credit Reporting agencies to Delete all Unauthorized account on my Credit Report Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC is not complying with their own policies in a timely manner. Please see my attached dispute letters.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXXXXXX 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