23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On Wednesday the XXXX of XX/XX/year>, I pulled my credit report and found three accounts that I had zero knowledge of or access to. Upon further investigation I found out the XXXX XXXX and Barclays/XXXX XXXX had been opened by my mother XXXX XXXX XXXX and the contact information, phone number, and email address ( XXXX ) are hers, not minXXXX XXXX XXXXXXXX XXXX XXXX had her name as an authorized user. We share an address, however, I have no access to the mailbox, as she has the key. I confronted my mother about said accounts, and she admitted to opening these accounts without my knowledge or permission. Both these accounts were opened under my social security number, name, and date of birth without my permission, and the rest of the information as well as payments under them were all regarding her, XXXX XXXX. She also falsely added me as an authorized user on a XXXX XXXX account without my knowledge or permission, which showed up on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
Product: Credit card or prepaid card

My XXXX XXXX card was stolen from my car along with a small journal with a lot of important numbers I keep in my armwrest. Because I barely use my card, I didnt notice it was lost until I tried to make a purchase at a restaurant. I called my bank to report my card stolen and they told me of transactions on the account. I informed the specialist that I lacked online access to see these transactions and that I would like to get access and file a dispute. The specialist told me I had to wait till the transactions posted and said she will email me a login info. I never received the email, and called back 2 days later to see if ye transactions posted. The supervisor told me yes and helped me file a dispute. She then said she will send me another login information to gain online access, but I still didnt receive it, and it was like that back and forth. I didnt hear from my bank till a couple of days when I received my replacement card and I couldnt activate it. They told me my account was closed, but wont tell me why and that I should go online and referr to the card agreement service page. I did t hear from them again until I called today to ask for the status of my claim and they told me they reached a decision on XXXX that said they denied my claim because my card was used with a merchant close to where I live. I told the lady so if I someone robs a bank closer to the owners home does that mean the owner is at fault? I asked hem to reopen my case and ask for video footage or a receipt where I signed anything and they refused and told me to send in an appeal letter.
Product: Debt collection

In accordance with Fair Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. Also, this company has violated the XXXX XXXX including deceptive and unfair practices, and their reporting of my nonpublic information.
Product: Credit reporting

The XXXX Bank accounts are fraudulent account that belong to XXXX XXXX, not XXXX XXXX, XXXX XXXX, Account number XXXX and XXXX Account number XXXX .... are the same accounts XXXX XXXX. I have attached an incident report from XXXX XXXX Police Dept. I have attached the signature page that was sent to CFPB from XXXX Bank 's application and I have sent my mortgage page with my signature. You can plainly see the signatures do not match. I never knew of this debt until discovering on credit report. This debt from 2007 is not mine, never had any affiliation with this account. This account belongs to XXXX XXXX, not XXXX XXXX. I am asking for the fraudulent accounts to be removed immediately.
Product: Credit reporting or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

While looking into a recent identity theft issue I noticed a Discover account with roughly {$4000.00} in debt, I have never owned or opened any account or had service from Discover whatsoever, this debt is not mine and it has stopped me from getting a credit card from anyone or any type of of financial support.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX 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  Balance Owed : {$2600.00}.
Product: Debt collection

We continue to get calls from debt collectors regarding people we do not know. There are several debt collection companies calling XXXX to XXXX times a day. We have told them time and time again we do not know the people and take us off your calling list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CXXXX 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: Student loan

XXXXXXXX XXXX XXXXXXXX, the calls from Sallie Mae began to happen of my account running into default. I explained to the representative that I recently began a XXXX XXXX  that came with a pay decrease, so I asked if there was an Income Based repayment program, and their response was " no ''. Then I requested for a repayment program that could better accomadate me, the program offered was around a XXXX XXXX  monthly payment. That was not affordable for me so I had to decline. Following that, the calls continued, daily! I make payments on my loans monthly, but I am only able to pay what I can. I would speak to a representative a few times a month, and the narrative was always the same ; The caller would ask if I wanted to bring my account current, I could not afford the {$10000.00} balance, they would offer a " great '' program that again was not affordable for me. I would always get asked about my salary, monthly expenses, and none of that is ever taken into consideration. Most recently, XX/XX/XXXX I spoke with another representative, I believe her name was XXXX XXXX, this representative was very rude and inconsiderate. The representative was talking over me, raising her voice and making unnecessary comments. For example, I asked her why was I at fault for not being able to afford the payments and not being offered a program that could accomadate me and that I could afford, her response was " Well you know what you signed up for. '' That remark was very offensive as student loans was my only option to get through school at the time. She also made a comment in reference to my cosigner, her comment was " You chose your cosigner out of trust. Where is your cosigner? Why can't she assist? '' My grandmother is the cosigner on these loans and that is another issue I have. My grandmother is XXXX  and was dependent on my grandfather financially. XXXX of XXXX my grandfather passed away and since then my grandmother has not had support financially, and in result of that I don't expect her to assist with this debt. Sallie Mae continues to harrass her with daily calls and threats of garnishing her wages. My grandmother is ill and I have also explained that to all representatives I've spoken with, but the calls continue and is causing her distress.
Product: Debt collection

A company called nations recovery call me often every time I answer they hang up never telling me a thing, when I call them back to find out information they hang up on me. I want them to stop calling me. I have no idea what they want. the number they call from is XXXX
Product: Student loan

I was contacted by a company called " Helping Hands ''. This company told me I qualified for the Student Loan Forgiveness Program. I was told I would be charged a fee paid over a few months. I paid the fee. I was told I qualified for the Student Loan Forgiveness Program and my loan would be forgiven. My credit scores would dramatically improve, etc. None of this happened and I am receiving letters demanding payments I can not afford. I don't know what to do. When I try to contact this company, my emails are returned.
Product: Debt collection

I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with 2 federal charges re : knowingly defrauding a bank. I asked which company reported this and they said Advance America which is a payday loan co i have used. Said i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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/block any items 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, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$98.00} ; XXXX  XXXX XXXX XXXX : {$1600.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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 never heard from or of this company and this message was left on my voicemail : We have made several attempts to get in contact with you regarding the pre legal matter We suggest you do not ignore this notice press 1 to speak to an associate now or contact this office immediately at XXXX if you have retained the services of an attorney you may have your counsel contact this office on your behalf this communication is from a debt collector. This is an attempt to collect a debt any information obtained will be used for that purpose.
Product: Debt collection

I received a collection letter from Synergetic Communication , Inc stating XXXX XXXX XXXX has placed with their office for collection in the amount of {$2100.00} and offer to resolve my account with the following discount payment of {$540.00} due by XXXX. The original creditor was XXXX XXXX XXXX Visa, Ive called XXXX XXXX and was told I have a XXXX dollar balance on my account and the account has been closed for years. I am very aware of my financial obligations and is very alert with my credit history. I believe this is a scam and it needs to be stopped, not fair to the citizens and consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked  more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXXXXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX 's ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall
Product: Debt collection

I received an alert from XXXX, XXXX XXXX and XXXX reporting agency ( s ) on XX/XX/XXXX that reported a collection debt that was added to my credit reports. I called Enhanced Recovery Company on XX/XX/XXXX and was told that they were representing XXXX and collecting a debt, I told the rep that the debt did not belong to me. I filed a complaint to CFPB back on XX/XX/XXXX Ref : XXXX against XXXX XXXX XXXX which resulted with the XXXX account being deleted from my credit files XXXX, XXXX and XXXX. It appears that Enhanced Recovery Company purchased the debt from XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This account was closed and deleted and now added to my credit file once again.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV XXXX  Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

So I created a cash app account back In 2021 everything was fine I had my direct deposit set up to cash app so I could get paid early. I received a paycheck in the amount of {$650.00}. First I tried to make a payment on my lights using the cash app card they provided and it said failed. And Im like this cant be right because I just got paid. Soo I try to go into the app and login it says youre no longer able to sign in using this account and it asked me to make another one!! My heart instantly dropped like what is going on. So I made another cash app to contact cash app support and let them know I needed to get my money. They told me they closed my account because fraudulent activity had been suspected. Im like how is there fraudulent activity when all I do is get my paycheck to the account pay my bills and use it for everyday spending. They didnt reply!! So I messaged them again and again until one representative told me I would not be able to get my funds!! I cried like a baby
Product: Credit reporting or other personal consumer reports

It seems that they are still reporting the same accounts that have been successfully deleted from other consumer reporting agencies ' records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION & XXXX I am aware that the credit reporting system is designed to ensure consistency and accuracy across all major credit bureaus. Therefore, if an account is removed from one consumer reporting agency, it is expected that the others will follow suit, especially when reporting to the same creditor or furnisher. 

I demand XXXX and TransUnion to promptly remove these items that have already been successfully deleted by other credit bureaus. Ensuring uniformity in reporting is essential to maintaining the integrity of credit information. 

Thank you.
Product: Mortgage

Freedom Mortgage Company has been holding insurance claims proceeds in the amount of {$130000.00} since XX/XX/2019 from a casualty loss and will not disburse the any funds. All of the appropriate documentation has been submitted, but they continue to withhold disbursing proceeds. Each time I call, which has been countless over the past 3 months, I get a different representative and a different excuse.
Product: Debt collection

Portfolio Recov Assoc XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.