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

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance details 0 % paid off Balance {$6200.00} Balance updated XX/XX/XXXX Original balance {$5200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Credit card or prepaid card

This bank has treated me horibke their customer service I lost my credit card to report fraudulent transactions that incurred on the card and they told me not to make a payment and now I login and find out they closed my card after being a loyal customer for 4 years and want me to reapply
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$960.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$670.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$29.00}. Inquiries XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have had an account with Sofi for several years and never had any problems. On XX/XX/year> I attempted to log into my account to pay a bill. I put my username and password, and a screen came up to input a XXXX digit authentication code. I had no access to receive this code. So, I contacted the bank, which unfortunately goes to a call center in XXXX and are very hard to understand. They attempted several remedies but nothing worked. They said they would file a ticket with the back office to resolve this. I never heard back from them, so the next day I called again with the same results. The representatives are never able to really help you. I called again the following day and still no help. I desperately need to be able to access my account to do my banking and can not get anyone to help me
Product: Credit reporting or other personal consumer reports

This is my 5th endeavors 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, remove 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
Product: Debt collection

I have been getting lots of mail to my home and place of business from Rushmore loan management services regarding a mortgage for a family member with the same last name as me who has never lived in Florida, I live in Florida, the owner of the loan lives in NY. I called Rushmore several times and asked to stop with the mails but they refused to. I was told by Rushmore to contact the individual and let them change it, I contacted the individual and did as they say. I NEED them to stop sending collection mails to my place of business and my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX phone # ( XXXX ) XXXX is Reporting FIRST CREDIT SERVICES on my credit report this is a fraud account please remove thank you. 


Original creditor name XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my EQUIFAX Credit Report on   XXXX     and noticed a HARD INQUIRY from  XXXX . I did not request or authorize anything from this company. I sent a certified letter on   XXXX     (  XXXX  ) to have this removed and I have never received a response and it is still on my credit report. I want this removed.
Product: Student loan

I am a XXXXXXXXXXXX student presently attending XXXX XXXX XXXX which I was not given no date of payment of my student loan because I am not finish yet my graduation date is in XX/XX/2022 and now its on my credit report that I owe which is incorrect and I need your help with this there are others that are incorrect on my credit report please help.
Product: Student loan

Having issues with repayment for years, I called XX/XX/XXXX to put my account into forebearance and set up " auto payments '' for 15 months. I accrued late fees on my account, because it was not made clear that changing the due date was passed to actual due date, which ultimately made my account " in the red zone '' ... .for months! Seven months later, I had " auto debit '' coming from a different account, which is different than auto payments, which again was not made clear. Making double payments for 2 months, I accrued late fee charges through my banks, because I did not know how to stop this from happening. I called XX/XX/XXXX to have the " auto debit '' cancelled and to continue with the " auto payments '' that I had originally set up back in XX/XX/XXXX, for a specific date. Now it 's XX/XX/XXXX. I just got off the phone with Navient. I talked to people in customer service and collections. I talked about my account still being debited for payments, accruing late fees with my personal bank. I was furious with them. They try to transfer me to different departments " trying '' to figure out my account, late fees, and double payments. Ultimately, I am so discouraged, I do not trust that they will take the correct amount from my account on the said date. I owe a large sum of money, work full time, live with my parents to save money, and still can not make payments. They do no explain what they are doing, until I am screaming at them through the phone, making myself so upset I am literally XXXX. Customer service does not/ can not see what collections does and vice versa. I am making a formal complaint because they assume the borrowers know exactly what is happening with their accounts and money. They do not explain anything and will tell you whatever you want to hear. I do not trust this company. I wish there was a way out, for my own personal sanity and not be financially burdened by this company.
Product: Student loan

XXXX XXXX is the loan service I got my student loan for XXXX from and though I did not continue my education at XXXX for my own person reason which I will not disclose, I am not responsible for paying off the loan. My mother cosigned on the loan for me at the time and I am not quite sure of the date that I called XXXX XXXX is check what I would pay every single month once my grace period was over but I do remember the female telling me about {$25.00} or {$50.00} a month after the grace period. I was fine with that because not only do I owe other loan services money, I work two part time jobs that don't pay as well as I'd like and I have to pay my credit card bill along with my phone bill. So {$50.00} was good enough for me and from the way the lady spoke to me she seemed as if that would work well for her as well. I was unaware that from the month of XX/XX/2017, accrued interest was being put on my loan and has been, to this day that I am reporting this, it's still being put on there. When I first checked the loan to start paying it off in XXXX on the XXXX of {$50.00} the loan was at {$12000.00} and now, the time that I am writing this the loan is at {$13000.00}. Any money I am putting towards the loan for XXXX XXXX means nothing when the accrued interest rate bumps it back up dramatically. I am unable to do anything and if I go too long without paying it because it's in my mother 's name and I have to make 12 payments to finally release her as the cosigner, she's worried about her credit score decreasing. I am only XXXX year old, I am trying my hardest to work two jobs so I can do what I promised and pay my loans off. Getting a job at my age is hard enough but it's even harder when any money I do earn from my jobs goes straight to XXXX XXXX but it's not making any difference in the loan itself.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Violation of Rights and Request for Compliance with Federal Regulations To Whom It May Concern, I am writing to express my deep concern about the collection practices of Jefferson Capitol system, which I believe are in violation of my rights under federal regulations. Specifically, I have identified several instances where Jefferson Capitol system has failed to comply with the following regulations : 1. 12 CFR 1006.34 ( d ) : This regulation mandates that debt collectors must provide accurate and verifiable information in their communications. Despite my repeated requests for validation of the alleged debts, Jefferson Capitol system has failed to provide sufficient evidence to verify the validity of the debts being claimed, thereby violating this regulation. 

2. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to be licensed and bonded. However, I have not been provided with any evidence that Jefferson Capitol system compliant with this requirement, raising concerns about the legality of their collection activities.

3. 15 USC s27a : This provision of the Fair Credit Reporting Act imposes obligations on debt collectors to provide accurate and up-to-date information regarding debts. I have reason to believe that Jefferson Capitol system has not been transparent in their reporting of the alleged debts, leading to further concerns about the accuracy of their claims. 

4. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation stipulates that debt collectors must adhere to certain standards when communicating with debtors. Despite my requests for validation and proper Jefferson Capitol system engaged in aggressive and harassing communication tactics, which is a clear violation of this regulation.

I demand that jefferson Capitol system immediately cease all collection activities until they can provide valid verification of the debts and PURCHASE AGREEMENT between them and original creditor regarding account # XXXX BAL XXXX open date XXXX in question and demonstrate compliance with the aforementioned federal regulations. Failure to do so will result in further action to protect my rights under the law. 

I expect a prompt response from XXXX XXXX XXXX addressing these concerns and providing the necessary information to ensure compliance with federal regulations. Thank you for your attention to
Product: Checking or savings account

I was told by a bank manager when i went to open a new bank account that my credit was flagged for fraud. So for some reason I ca n't even get a bank account. I do not know where this is coming from nor do I have knowledge of how it occurred and after requests still have not received a copy of my credit report with it on there. ive been working for over a year to repair what damage a younger me had done to it. So please what steps can be taken to remove any such marks off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Wells Fargo Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my credit score to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. Wells Fargo told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called Wells Fargo in XX/XX/XXXX to  inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I have been repeatedly contacted by agents form XXXX XXXX   XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ). They have left voicemail on my personal cellphone to confirm my whereabouts and threatened that if I do not respond, charges are going to be filed in my county of residence ( they don't name the county ). I have answered the phone several times, and a recording tells me to contact their offices. On one occasion 3 weeks ago, they called me at work and I spoke to someone who said they were collecting for a payday loan company that I paid in full, although there was a dispute on the interest -- I borrowed {$300.00} and paid back {$450.00} in 4 weeks, but the company claimed I owed {$150.00} more. Those types of loan sharking loans are not even legal in California anymore. That debt occurred approximately 8 or 9 years ago in XXXX or XXXX! In California, the statute of limitations is 4 years. Anyway, I told this to the collector, reminded him it was not legal to claim on a time barred debt and asked him to stop calling. He insisted that they were going take legal action, got very nasty and I told him to sue me and notify me of the Court date before I just hung up. Today, when I answered another call telling me to call their office, I did call, got their contact information, and advised that I was reporting them to the FTC and CFPB. unfortunately, the FTC is closed right now, but i will make a complaint as soon as they are open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact the credit reporting agencies regarding the inquiries. Please keep in mind that I have included all of the unauthorized inquiries reporting to all XXXX credit bureaus, so if there is an inquiry that is on the report that you do not see, then please remove the inquiries that you do see. This is to avoid the stall letters that you always send back stating that the inquiry is not on my report. This means that is on another report so disregard and remove the others.
Product: Credit card or prepaid card

The XXXX from synchrony is a scam. After making thousands of dollars in purchases and earning $ XXXX dollars in reward points I am unable to use the reward points as promised. The seller I earned the points from is unable to take the points for a new purchase on XXXX. After speaking with representatives at Synchrony I finally called and spoke to account XXXX XXXX. She was rude and unhelpful just like the several representatives before her. This company blames XXXX even though they are the customer service for the credit card. I asked for a statement credit or some other compensation for the reward points I am unable to use, but XXXX is unable to comply.
Product: Checking or savings account

I was trying to contact chime for a issue on my account I spoke with a man who said he was costumer service went into my account took all my money XXXX $ and when I finally got in touch with customer service they told me I couldn't get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had dropped severely in early XXXX - I looked into it and found a credit account that had been opened that I did not open or know about. I learned it was opened in XX/XX/XXXX - an XXXX credit card. I reported it as fraud and it was closed in XX/XX/XXXX, but it still shows on my credit account as an account under my name that had late payments. It is still affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX portfolio recovery sent me a letter denying any inaccuracies that they are furnishing to the credit reporting agencies XX/XX/XXXX I sent them a letter pointing out the errors as blatant proof since they denied any inaccuracies XX/XX/XXXX portfolio recovery received my letter XX/XX/XXXX I received results from experian claiming they have updated this account. mind you absolutely no valid reporting fields were updated. false results XX/XX/XXXX I pulled my updated consumer reported with experian and XXXX XX/XX/XXXX and I saw that portfolio recovery recently reported to both agencies on the same day XX/XX/XXXX. they also reported two different 1st deliquecy dates maniupulating the federal time frame for his account to be removed. experian says on record until XX/XX/XXXX putting the date of 1st deliquency date XX/XX/XXXX and XXXX reports the date of first deliquency XX/XX/XXXX XXXX how can they report on the same day but with different information. there is only one date of first deliquency date. I also took upon myself to pull a trimerege consumer report with smart credit XX/XX/XXXX and noticed XXXX also let portfolio report XX/XX/XXXX and they have updated the date of last activity to XX/XX/XXXX also. wouldn't that be re-aging this account? I pointed out all the inaccuracies and inconsistencies that porfiolio recovery has done to my consumer report and I am tired of them not complying under laws. they are violating my right to privacy, they are bring unfair by doing improper proceedures to correct this account. I have already put them on notice and I want this account deleted.
Product: Debt collection

In XXXX XXXX XXXX  I applied to a job that sent me a check only to find out the job was spam upon trying to cash a check that was received from the company to purchase equipment to work. Upon being advised Id cashed a fake check I acknowledged to the bank XXXX that I was not aware the check was fraudulent until theyd notified me. Around the time of applying for jobs and receiving the fraudulent check my identity had been compromised. I made law enforcement aware of this and was advised to make a police report. Id placed a block on all of my personal information and credit. As of XX/XX/XXXX, Midland contacted everyone I can think of that I may know personally as well as people I dont know whatsoever to make them aware of this supposed debt that is owed. Midland stated I have a debt of roughly XXXX XXXX owed to XXXX separate companies, XXXX that I am unaware of aside from XXXX XXXX Midland threatened to garnish wages as well as provide a claim to a previous home address of mine and stated if the attempt to receive confirmation of my ID & /or signature were not obtained Id be forfeiting all possible options of a settlement. I do not agree with the settlement and therefore I am not going to pay on the settlement whatsoever. I also dont feel comfortable to verify any of my current information as Midland is very aggressive and rude with their employees as well as supposed couriers they use.
Product: Mortgage

I paid off my mortgage the beginning of last XXXX. I can not get them to respond with my request for copies of the loan paid documents nor have the deed transferred to my name.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a {$100.00} Vanilla luxe bow gift card from XXXX pharmacy at XXXX XXXX XXXX XXXX Alabama XXXX. Their phone # is XXXX. The card was in its original untampered packaging. When I got home and took the card out of the original intemperate packaging I noticed the last 4 digits was scratched off the card. Also, when I tried to scan the card at a store it doesn't work.