23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted Online Information Services multiple times on XX/XX/year>, XX/XX/year>, and on XX/XX/year> to address concerns regarding the violation of my privacy rights and the North Carolina Consumer Privacy Act and the North Carolina Consumer Protection Act. Specifically, they failed to safeguard my personal information, which was obtained by the XXXXXXXX XXXX XXXXXXXX without my consent. This information, including my name, cell phone number, address, and Social Security number, was improperly disclosed to XXXX, XXXX, and XXXX. I also spoke with the XXXXXXXX XXXX XXXXXXXX multiple times XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> about contacting Online Informational Services to have them remove the collection from my credit report. The XXXXXXXX XXXX XXXXXXXX is refusing to do so. I told them that they are violating my privacy right by disclosing my personal information to Online Informational Services without my consent. I did not give the XXXXXXXX XXXX XXXXXXXX the authorization to release my personal information such as my name, phone number, address, and my social security number to Online Informational Services. They are violating the Georgia Consumer Privacy Protection Act. 

At no point did I authorize the disclosure of my personal information. Furthermore, I have informed them that I am not liable for the debt Online Informational Services are asserting, as I have no agreement or contract with their company. Online Informational Services has stated that they will not resolve this issue which has led me to take further actions to resolve this problem. 

I am prepared to provide audio evidence to substantiate these interactions if needed.
Product: Checking or savings account

Had accounts with Wells Fargo. Had over draft protection, would have pending direct deposit would be charged overdraft fees and told atm fees were waived utilizing certain atms still charged and charged twice
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$180.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX/XXXX XXXX {$85.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$940.00}
Product: Credit card

I applied for a capitol one savor card in the middle of XXXX on XXXX XXXX I clicked on the card details and if gave me a list of benefits etc for this specific card. I found the terms and rates good for what i wanted ( 15 month 0 % APR ) and then after that was your usual interest rate. It also came with a few others such as {$200.00} credit after spending x amount in the first three months ( Which i did ) anyways this is not the case. I realized on my first statement i was charged interest and have not received the {$200.00} credit like i applied for. I called and capitol one stated i did not apply for that card with those benefits. I went back to the application process that i originally filled out and again that is what was on the application and terms. After verifying i indeed applied for that card ( going through the entire process again without submitting it ) I explained to them there is a mistake somehow. They then told me since i did not do it off their website they couldnt do anything and that i again selected the card with " fair '' credit and not excellent credit. Nowhere in the process of doing the application was there an option to choose anything like that. I went back to the application AGAIN on credit karma and when you hit continue to go through the application it brings you to capitol ones website to finish the application so saying it didnt do it on thier site is a LIE. It DID. And under those terms it was the same information i had applied for. All the information on the card details was the same that i applied for and yet theyre saying thats not correct. I have applied for two other cards in the previous year through third party and never got scammed like this both of those cards were exactly what i applied for. OMG. They wont do a single thing or let me talk to anyone they keep blowing me off and saying they cant convert the card WHICH TO I APPLIED FOR. This makes zero sense how they can SCAM people into this XXXX. THIS IS SERIOUSLY FRAUD AND UNACCEPTABLE. I havent been this mad in a long time this XXXX is ILLEGAL
Product: Debt collection

Portfolio Recovery Cease and desist ANY and ALL claims you claim you have on me under15 U.S.C. 1692cc and 15U.S.C.1692 e { XXXX } cease communications of ALL collection and debt information that you have, to any body or company other than my self by mail only this is an official notices
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX  XXXX XXXX XXXX : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX On XX/XX/XXXX I received a letter via postal mail stating my Mortgage would be transferred From Guaranteed Rate in Illinois to a Guaranteed Rate Servicing in XXXX, XXXX My mortgage payments are due on the XXXX of each month. Therefore, I sent a payment in the amount of {$1000.00} on XX/XX/XXXX via the new mortgage company address and account number information included in the letter. This payment was made from my bank to Guaranteed Rate Servicing via Bill Pay on XX/XX/XXXX. 

On XX/XX/XXXX, I get an email from Guaranteed Rate stating that they made a mistake and that my new welcome letter received at the end of XXXX was inaccurate. This email provided me with a 2nd New Loan Number and it stated I did not need to take any action and that no late fees would be added until 60 days after the Mortgage Transfer.

Please note that per the last customer service rep at Guaranteed Rate told me I was being charged a late fee for XXXX even though the letter stated by law there is a grace period. I need this charge refunded for XXXX 2023 monthly payment. 

The payment of {$1000.00} sent on XX/XX/XXXX has cleared my bank account, therefore I contacted Guaranteed Rate to confirm my payment was applied to the correct account and was told they dont see the payment to for me to email their support team with documentation. 
On XX/XX/XXXX the email as sent with the documentation requested, only for me to get a response on XX/XX/XXXX asking for documentation. As of today XX/XX/XXXX at XXXX I have emailed the support team the documentation they requested. I went to the bank at XXXX XXXX XXXX XXXX in XXXX to get a print out of the payments and this is the documentation sent to the guaranteed rate. 

On XX/XX/XXXX I made a partial payment of {$420.00} to bring my account current and on XX/XX/XXXX Guaranteed Rate returned my payment back to my bank with no reason or explanation. They are constantly harassing me but NOT ONE PERSON IS willing to HELP. I also emailed the print out of this transaction to Guaranteed Rate Support team on XX/XX/XXXX @ XXXX. 

This mortgage company has lost {$1000.00} and returned another {$420.00} totaling {$1400.00} PLUS LATE FEES FOR XXXX. They are constantly harassing me, however if they keep returning and losing my payments WHY would I keep sending them money until the problem is resolved. Based off the letters and emails, it sounds like I dont have an account number or multiple acct numbers or my funds are being applied to another account. Either way I need assistance in a proper resolution with my money being applied properly and for my payments to stop being returned and I am due a credit for XX/XX/XXXX late fee. 

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

These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX '', " XXXX XXXX XXXX '', and " XXXX XXXX XXXX  XXXX ''.
Product: Credit card or prepaid card

Certified Mail # : XXXX XXXX AMERICAN EXPRESS has discriminated against me. According to the Federal Equal Credit Opportunity Act I am exercising in good faith my right to extend credit. AMERICAN EXPRESS has provided the reasons for discrimination against me which includes my credit score. Based on AMERICAN EXPRESS 's and the Consumer Reporting Agency policies my credit score is insufficient to deny my credit approval. Im extending my credit to AMERICAN EXPRESS.
Product: Credit card

On XX/XX/XXXX, there was unauthorized activity on my card in XXXX XXXX, over an hour from my home. The charges included XXXX rides and a visit to a place called XXXX XXXX, totaling a staggering {$7000.00} for a single night. Following Chase 's instructions, I promptly filed a police report and submitted my phone records for that day, even though they claimed I received and responded to an SMS, which I can confirm I never did. 
This whole ordeal needs to be clarified because the case seemed prematurely closed without thoroughly reviewing the documentation I provided. In fact, the case was closed on two separate occasions and needed more consideration. I had to proactively inform them that I had spoken to someone in the fraud team and clarified that I was awaiting my phone company to send me my phone records via mail. Furthermore, they closed the case again when I explained that I was assisting a family member overseas and couldn't file the police report until my return to the United States. 
I've diligently followed every step they requested, offering clear evidence that I was not responsible for these transactions. Despite my efforts, my case was closed without a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Student loan

We have been in contact with Navient very frequently since XX/XX/2017 to try and resolve our daughters student loan situation. Initially we understood the loans to be Federal loans. At some point Navient took over 5loans from XXXX XXXX, apparently now considered " private ''. As loan payments began approaching due date post graduation we have had conflicting information from Navients customer service as to how to navigate payment options. We were told Forebearance is the only option, now reaching the end of this option. It appears a benefit for Navient, forbearance. These loans need to be consolidated or payment due substantially decreased, we have no other options from Navient. Payments were being made while attending the University to " XXXX '' ( Navient? ) each month. Not sure where that money was applied, but it was deducted from our checking account each month. Any guidance in this matter would be appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with my account, where an old address and incorrect names are being reported. I no longer reside at the listed address, and the names associated with my account do not belong to me.The credit reporting agencies are violating my rights and failing to comply with FCRA laws by inaccurately reporting incorrect names and addresses on my credit report. 
Here are the following errors I found as per the FCRA : XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 




XXXX XXXX This is not the correct spelling of my name. 






XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is XXXX XXXXXXXX XXXX XXXX and I do not live here nor is this address deliverable to me by the XXXX Postal Service XXXX XXXX FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX, NJ XXXX This is XXXX XXXX XXXX XXXX  and I do not live here nor is this address deliverable to me by the XXXX Postal Service XXXX XXXX FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is XXXX XXXX XXXX XXXX and I do not live here nor is this address deliverable to me by the XXXX Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


You are still reporting an old address that I no longer reside at. I attracted my Social Security card, a recent utility bill, and an updated copy of my drivers license as proof of my current address. I kindly request that you update my account with this accurate information to ensure my credit report reflects where I actually live XXXX XXXX XXXX XXXX, NY XXXX and my name XXXX XXXX XXXX XXXX not the correct spelling of my name.
Product: Debt collection

This collection agency did not send letters, failed to email me or communicate properly to notify me of the debt prior to placing it on my credit report. I sent them an overnighted letter ( with a return receipt an tracking ) to demand they verify the debt, to prove that I made a good faith payment ( despite it being an open fraud investigation ) and to request that they remove the negative reporting during this open investigation. I also submitted verification ( bank statements ) showing my current address. Instead of complying, they contacted the credit agencies AGAIN and added and " XXXX '' flag to my credit file in order to hurt my score even more. They received my letter at approximately XXXX that day and by XXXX they flagged my credit profiles to aggressively attempt to ruin my credit by ignoring the information I provided them. 

XXXX XXXX XXXX XXXX department received all my correct contact information to investigate the fraud and also took a good faith payment despite it being an open fraud investigation. In the letter I overnighted to Credit Management LP, I informed them of this and they ignored it and attempted to damage my credit more by adding negative information to my credit file. 

I called XXXX to dispute this account over XXXX year ago ( which I now know is a fraud account ). I had no luck as the company took my complain but never got back to me about my claim. This collection company, Credit Management LP suddenly put a dent on my credit report without contacting me. I have never lived at the address the XXXX bill was sent to, I notified XXXX I had no access to that address and XXXX never reached out to me to pay the bill. They called about the boxes XXXX day and I re-informed them that I don't have access and don't live there. An open investigation is ongoing but the account is PAID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Experian, XXXX XXXX, XXXX on XXXX XX/XX/21 for an unknown collection acct appearing on my credit reports. All three agencies verified the alleged account. The collection company is listed as XXXX XXXX XXXX which is also shown as XXXX XXXXXXXX XXXX. This company has not responded to written request for information, I don't believe this acct exists .I don't know who they are collecting for. I have excellent credit and don't owe any outstanding debt. All three credit bureaus continue to report this unverifiable, inaccurate account in violation of federal law. I have attempted to resolve this and have been ignored. The furnisher has not responded to written requests either.
Product: Credit reporting or other personal consumer reports

This account is identity theft someone has used my SSN as personal gain. I have been fighting this company for years about this alleged debt that I am not responsible for. The company where the alleged loan was supposedly initiated at on XXXX XXXX XXXX XXXX XXXX XXXX has went out of business. I went there personally to get proof of identity to see if the ID matches mine, and to also get Proof of Contract Agreement. I have been in contact with their main office and also credit agencies advising that this is not mine. However I failed to get the adequate docs needed to prove it is mine legally. I am getting the run around, and I have received computerized statement with a digital signature. These docs does not have an original signature or my signature. I am exhausted from the run around, and the frivolous information that is being reported monthly as a " charge off '' claiming to be an auto loan. This is not true. My next step is contact an attorney that the XXXX XXXX XXXX has referred me to, if this is not cleared up the legal way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ex peria 
n in XX/XX/XXXX about a dismissed bankruptcy that is showing on my bankruptcy report. Per the rules enacted on XX/XX/XXXX this bankruptcy does not meet the requirement of Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days.

Secondly when I receive a response when I disputed in XX/XX/XXXX I was told that it was verified through the court. I received this response from the court on XX/XX/XXXX. Stating that they do verify this information with the courts. 
Although it is credit agency policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter disputing information on my credit report on XX/XX/XXXX it was delivered by certified mail and I have not received a response to that letter nor has an investigation been open. I called today XX/XX/2021 and spoke to a representative in the fraud department and she informed me that they could not remove the information that was being reported Falsely on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong addresses and names or spellings of my name and variations on my address are making it inaccurate and violates FCRA that states it should be 100 % accurate. there are inquiries I do not recognize and original creditors can not locate my information. 

1. XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX ( XX/XX/XXXX ) and Equifax is reporting 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 7. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX XXXX  ( XX/XX/XXXX ) 10. XXXX ( 1XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 16. XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen in the hack of Equifax 's data stores. I confirmed that my data may have been affected on their site : https : XXXX. 

I submitted a credit watch and have looked at my credit report : no issues so far. It is messed up that a credit company does not have secure databases. ESPECIALLY when that database contains information that can mess up people 's lives for years to come.