23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During a visit to XXXX for 11 days XX/XX/2022 to XXXX XXXX I had rented a card with XXXX XXXX ( record number XXXX ) I used my new XXXX XXXX  XXXX credit card with a XXXX Limit. Everything was FINE- the car was filthy and dirty and I gave them a bad review because the car was NEVER cleaned a child had licked their hands and wiped it all over the back windows. Someone had spilled a drink in it and French fries were all down in the seat. Due to flight delay from Florida I should have arrived at XXXX XXXX and instead arrived at XXXX so it was dark and I picked from the 5 STAR group that was left. Regardless, I never complained. I filled the car on the evening of XX/XX/XXXX because Of the extremely early flight back to Florida that cost me over {$50.00}. Fast forward, I had given them a poor review when I got home and noticed on my FINAL receipt they charge me {$20.00} additionally for GAS. This was ridiculous and I put that in my review. MOVE ahead to XX/XX/XXXX I got a notification on my cell phone that SOMEONE fraudulently was trying to charge my card from XXXX XXXX and thankfully my card DECLINED it as fraud. Now, ever since that day I have been receiving ( to the level of HARASSMENT ) almost every other day notices from XXXX that I have an amount due of {$740.00} which is IMPOSSIBLE since I have the finally receipt from them that was emailed to me showing the Credit card that was used on XX/XX/2022. 

Now on XXXX XXXX I received a collection letter from XXXX XXXX XXXX, XXXX trying to collect an amount that I DO NOT OWE. I believe that this is an extremely important matter and I will be forwarding this to the XXXX XXXX XXXX of TX and my XXXX XXXX XXXX to inform them of the situation. I believe that there is a VERY SERIOUS MATTER OF FRAUD taking place or very least Retaliation for the review that was left. I have no idea. I have the final receipt from XXXX and then SUDDENLY in XXXX ( mid ) they are trying to bill me. I ive rented many cars throughout my lifetime and I have never seen a company try to send you a bill a month after the rental thats unheard of there was no problem with my card it was approved when I took the car they had a hold on the money and I have an email showing that that they held that amount so why Im being charged or trying to be charged again looks very very suspicious and now Im being turned over to collection Agency is absolutely appalling these companies are out of control these corporations think that they can do absolutely whatever they want to just regular honest people and that is not going to happen and again both of these companies the collection agency and XXXX this information
Product: Student loan

I have tried several times to apply for forgiveness with Mohela by applying and never get a response. I have called on numerous occasion, i get transferred around and at times, disconnected on. I called today regarding the XXXX data breach and complained about my records not being protected and safeguarded. I requested to have my student loans XXXX in full. The representative said they knew nothing about XXXX and transferred me to someone else. Hold time was XXXX hours and I opted for a call back and no one called.
Product: Credit card or prepaid card

I have a credit card for Sam 's Club which is processed by Synchrony Bank. I have had problems with them before so I used my XXXX XXXX credit card for a purchase of {$100.00}. I paid that to XXXX XXXX but I received a bill with that amount from Synchrony Bank. I called them and reported that it was an error. They said they would check on it and get back with me. Several days later I got a letter saying that I did owe that amount and to prove it if I didn't. I am a XXXX XXXX XXXX XXXX senior citizen who can't deal with a company that bullies people. This is elder XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. This is hindering me my family and these fraudulent accounts are negatively effecting me. Please remove these fraudulent accounts from my report immediately. I am disputing this with you directly. I have documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in 4 business days of receipt. I have deemed legal advice and am prepared to retain counsel to uphold my legal rights if this is not resolved promptly. I appreciate your prompt attention on this matter and I await your reply thanks.
Product: Vehicle loan or lease

Hello, on XX/XX/year> I called at XXXX American credit acceptance to work out a payment plan to get my car back from repossession. I originally let them know I was going through bankruptcy & I wanted to leave my car loan out of the bankruptcy & work with them on a payment. I asked the rep if there was a way I could have an extension on the account and I pay a month bill and get my contract restructured & he agreed. Later at XXXX I called back to see if I could get the loan restructured and the agent was very rude & didnt allow me to speak. The agent also hung up on me. I called back again to speak to a supervisor at XXXX and the supervisor stated they were going to escalate the matter. I told them I was going to report them to the consumer agency and sue them for customer mental abuse & slander during a stressful moment in my life. I asked them to let me get my vehicle back & restructure the lease & they still said that it wouldnt be a guarantee. They currently are charging me {$510.00} a month with a 24 % interest rate & I am now finding out even the interest is illegal in Florida to be this high. I submitted a complaint recently & I wasnt composated for being discriminated against, verbally abused by there agent on the phone & the agent hung up in my face. I want {$70000.00} rewarded to me for my pain & suffering. I am will to take full legal action on this company if Im not compensated for everything I went through in this stressful time.
Product: Debt collection

FMS Solutions contacted my ex spouse in XX/XX/XXXX alleging a debt that we owed them from a previous apartment. My ex settled account for almost the amount owed as he needed it off his credit report immediately. I was a co-signer on that apartment and was pursued by FMS Solutions for alleged interest that accrued on that account and threatened with legal action. Court records indicate the judgement entered in this case was dismissed in XX/XX/XXXX for the apartment I allegedly owed. I do NOT have a signed contract with FMS solutions and do not owe them any money. FMS continues to check my credit as recently as XX/XX/XXXX, which shows up as hard inquiries on my credit report..damaging my credit history. FMS solutions should not be able to do this as I do not legally owe them any debt. They are currently out of the statute of limitations for collecting the debt IF the debt was valid. They are not registered with CFPB or state of maryland to collect debt and illegally reported the debt to my acct preventing me from past jobs and credit opportunities. Please rectify this situation immediately by barring my credit from being accessed by this company. Please stop letting them access my credit reports and personal information. I do NOT owe this company any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX  where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Product: Payday loan, title loan, or personal loan

Recently received an alert on my credit report showing this balance as current as of XX/XX/2021 ; Please send original dates of when the account was opened ;
Product: Mortgage

My wife and I have been trying to get a short sale approval since XXXX of 2014 for a home we rented out but due to the disrepair the tenants left it in we could not afford to fix it nor could we continue to pay on it as we had another home we were living in and had a child born in XXXX of 2014 in which my wife quit working to take care of. We contacted our mortgage company about it and they sent us paperwork and we had to resubmit it numerous times due to them claiming they did n't receive it or not giving us the proper forms and having to submit more. It took them 5 months to finally approve the process to begin a short sale. However, when we found a buyer, the mortgage company would not contact us to let us know the situation on it and when I or my realtor contacted them they would tell us different things. The buyer backed out of the sale due to the lack of progress from the mortgage company and my realtor took the house off the market until we could find out what was going on with the mortgage company. At that time, the house had been on the market for at least 4 months. A week after that, the mortgage company finally had us sign an Approval to Participate and said that we had to have the house on the market for another 4 months. My realtor found another buyer for the home but now the buyer is looking to back out due to the mortgage company once again not responding to my realtor or myself. Also, the mortgage company keeps refusing to accept documentation from my realtor that would allow the short sale to be approved. I have received several letters informing me that I have a single point of contact but whenever I call they are unavailable and I am told anyone can help me with the situation. I called again today and now am being told only the underwriter can help me but he is also unavailable. Through this whole process, we have gotten behind on our other home and we can not get any loan modification from them until we resolve the issue with the first home which due to the lack of progress, we are concerned we will lose the home we are currently living in and trying to raise our family in.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Ive sent experian and XXXX multiple of letters concerning this alleged account thats charged off on my credit report. 

They failed to provide me with requested documents, it is my right to ask how they verified account and how they validated the account, experian is just going off a computer based system, with no real investigation, i need help here, if i take them to court they wont be able to provide the judge with nothing but he/she say. 

Could you please have them provide me with what i ask for or remove the negative tradeline from credit reports. 

i need a real investigation to be made.
Product: Student loan

I did not receive any official notification from American Education Services to state l did not qualify for the COVID- 19 Government Forbearance initiated by Fed Government in XX/XX/XXXX and ended on XX/XX/XXXX Missing payments on the loan should not be held against me as an American Citizen I thought I qualified for this government forbearance like everyone else Therefore l am asking that the derogatory mark on my Credit Report be removed by AES company and be removed from the office of the US Department of Education as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint is filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agencies XXXX, Experian, and XXXX block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of receiving this complaint. The disputed information includes fraudulent and inaccurate details from several accounts. A personal credit card account with XXXX XXXX was opened in XX/XX/XXXX, which incurred fraudulent charges of {$520.00}. Additionally, an account with XXXX XXXX XXXX XXXX  was fraudulently opened in XX/XX/XXXX, though the amount of fraudulent charges is unknown. There is also an unauthorized account with MI XXXX XXXX XXXX XXXX, but both the opening date and fraudulent charge amounts remain undetermined. Furthermore, a fraudulent account associated with XXXX XXXX XXXX XXXX has accrued {$900.00} in fraudulent charges, and similarly, an account with XXXX XXXX XXXX has an unspecified opening date with fraudulent charges totaling $ XXXXXXXX XXXX XXXX  {$880.00}, XXXX XXXX {$1100.00}, XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX FIN {$1900.00}, XXXX {$4500.00}, XXXX XXXX {$320.00}, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX These accounts have led to several unauthorized hard inquiries and collections appearing on my credit reports. I've attached a list of the hard inquiries in question and a copy of the consumer XXXX credit reports showing the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries on my credit reports were not initiated by me and are the result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX as evidence from the US Federal Trade Commission that all the disputed consumer credit accounts, collections, and hard inquiries are due to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Experian : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

REPEATED ROBO CALLS FROM FAM ( FINANCIAL ASSET MANAGEMENT ) FROM THEIR NUMBER XXXX CLAIMING SOME DEBT REGARDING SOCIAL SECURITY YADDA YADDA. PLEASE STOP THESE SCAMMERS AND THIEVES.
Product: Credit card or prepaid card

Hello, So I traveled to XXXX recently and was charged an extreme overage at a restaurant. I spent about {$20.00} and they charged me : XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XXXX {$700.00} I contacted Chase about the charge. They temporarily reversed it but then gave me a call saying the merchant provided evidence and I did not respond to their mail. I contacted them back saying they did not send me any mail. They said the dispute has been closed in favor of the merchant. 

It was reversed : XX/XX/2019 REBILL XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Not sure what can be done because this merchant is in XXXX and I am in the US and tried calling but they just hang up. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation into Inaccurate Credit Reporting by TransUnion Dear Sir/Madam , I am writing to bring to your attention an alarming issue I encountered with my TransUnion credit report, which I accessed through AnnualCreditReport.com. Upon reviewing my report, I noticed that my rental payments for the months of XXXX, XXXX, and XXXX have not been updated. This discrepancy is concerning as it impacts my creditworthiness and financial standing. 

As outlined in the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is essential for consumer reporting agencies to maintain accurate and fair credit reporting. The lack of updated rental payment information undermines this principle and can adversely affect my financial opportunities. 

I kindly request that your offices investigate this matter to ensure compliance with credit reporting laws and that TransUnion rectifies this situation promptly. Accurate reporting is crucial for maintaining consumer trust in the banking system and for the overall efficiency of financial operations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One and XXXX continue to report this account incorrectly. The account has been paid in full and discharged. Per the IRS this is now considered a certificate of indebtedness and is income. Income can not be reported. 

Capital One agreed in their terms and conditions agreed not to release my non public information to non affiliates. XXXX is not an affiliate of Capital One and is not the credit bureau. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. XXXX is a private owned company does furnish reports based on profit. 

XXXX does not have my written consent to furnish ANY of my financial history with Capital One. 

Capital One is required to refund any balance due back to me within 7 days. I am requesting my payment be sent immediately. 

This account is listed multiple times on my consumer report with the same account number with my financial history attached. You can not have the same acount number for multiple accounts.