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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I am writing this due to non-compliance with the PORTFOLIO RECOVERY. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Debt collection

I asked for proof of debt and they stated they bought the account from total
Product: Debt collection

Midland credit management contacted my ex-husband, on his cell phone, looking for me, about debit that they say I owe from a XXXX  XXXX credit card. The person gave him the proposed amount due, the last 4 of my social security #, my physical address, my date of birth, date of last payment on the credit card ( 2019 ) and I have never received any mail or correspondence about this debt. Today, I received an early morning phone call, before XXXX from a gentleman that did not verify he was talking to the right person and a revealed all my personal info again on my cell phone ( name with spelling, date of birth ( wished me a " happy birthday '' ), last 4 of my social security and my full address with amount due and last pyment in 2019. I let the representative know I did not know what he was talking about, that I needed something mailed to me ASAP.
Product: Debt collection

XXXX XXXX  XXXX XX/XX/year> IS IN VIOLATION LAW CODE 15 U.S.C 1681 DEBT IS INNACURATE NON-VERIFIABLE & OUTDATED
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Bank account or service

CITI Bank Customer Service and Presidential Escalation departments REFUSE to address issues with my account. 

1. CAN NOT CALL - BLOCKED 2. CAN NOT LOG IN ONLINE - BLOCKED " We 're very sorry, but that content you are looking for ca n't be found. Please try the homepage again. If you continue to receive this message, please call the Customer Service number on the back of your card. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' Can not resolve billing issues or dispute charges or make changes to my accoun NOR advise of large payment coming from different country! 

Credit card is useless if blocked on charges.
Product: Debt collection

Exeter Financial Service is trying to collect a debt on credit account I dispute the debt and ask if The promise note can be sent to me I havnt been sent anything This is a violation Please remove Exeter Financial off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX XXXX Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; FDCROSSCOUNTRY MORTGAGE is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. FDCROSSCOUNTRY MORTGAGE is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : FDCROSSCOUNTRY MORTGAGE XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. FDCROSSCOUNTRY MORTGAGE is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Product: Debt collection

I have reached out to this company on several occasions. They failed to provide validation of this debt. Sending me a copy of a bill or account summary does not validate a debt. I specifically asked them to send me the contract bearing my signature and they failed to do that. Therefore, they are not validating this debt.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the Debt Collection company Credit Collections. Credit Collections are reporting inaccurate and incomplete credit information. I am distressed that they have included mis-information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. I have never heard of Credit Collections, never done any business with them nor never signed any contract with them. 

They are reporting inaccurate information on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. I have know knowledge of these collections accounts. 

The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Product: Checking or savings account

On XX/XX/2021 US Bank Locked my account several fraud speacilist and bankers have tried to remove the fraud alert and give me access to my account but everything has failed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I registered for a class in New York with an XXXX. ( XXXX XXXX by XXXX XXXX I took out the loan to pay for the classes. The XXXX ( XXXX XXXX said that there would be training, a certification after completion, as well as equipment to start my own business. I didnt not receive any of this. Ive called and explain this to Acima and they informed me that the loan was for a pair of glasses. I dont wear glasses nor would I pay close to {$3000.00} for a pair of glasses. I told them that was a mistake and the company that they are providing a loan for must be fraudulent. I dont have specific dates on when I registered for the classes it was during the pandemic but Im sure Acima has that information as well as the date that I called in about this company. I didnt take the classes or receive certificate or equipment.
Product: Checking or savings account

I requested a transfer from this bank to another bank and this bank held my funds without my permission saying I had to contact the bank to verify info which I did and even after the bank ilegally held my funds. Also there is XXXX {$9.00} fee I was told would be remove and credited back to me and the bank has failed to do that. 
This bank is not trusted
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Thank you for your consideration, and I hope youll approve my request. 

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

Experian FICO dropped on XX/XX/XXXX indicating that I have a serious delinquency. However when i view all my accounts all accounts have been paid on time and no delinquencies are appearing on my credit report. When i try to apply to anything I am denied due to " SERIOUS DELINQUENCY '' However this makes no sense as I can not locate a delinquent account on the credit report this must be some kind of error/glitch on experians side. 

This error also appears on XXXX  stating I have a negative account with XXXX when the account also shows paid on time.
Product: Prepaid card

This is a Vanilla Visa pre-paid debit gift card issued by XXXX XXXX. I have confirmed that the card is active using the Vanilla website and that it has {$130.00} available for use. Per the Vanilla website, I am to use my own address and zip code when paying for an online purchase with the card. I have attempted to use the card to make a purchase at XXXX XXXX XXXX and XXXX, but both have been rejected because of an incorrect billing zip code. The phone customer service has advised that it isn't possible to register the card or set my own zip code as the billing zip code.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA ( XXXX ) XXXX {$0.00} This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting or other personal consumer reports

I am now providing all documents from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that listed three times, so these items can be removed off my credit report. The amounts are in accurate. The accounts are in accurate, please and thank you. Credit one has already been deleted thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I advised XXXX  and Equifax that I was a victim of identity theft during Covid 19 and I have lived in XXXX XXXX, NV only in Texas all my life Account Type Collection Department / Agency / Attorney with a Balance of {$4200.00} from XXXX XXXX XXXX creditor : XXXX XXXX XXXX NV and placed on my on XX/XX/2020, I requested that XXXX  and Equifax provide with methods used to verify that this account belongs to me which they did not this account is a fraudulent account on my report and should be deleted immediately and not sold to any other collections agency that I do not have a contract with this information is not accurate and they should report accurate information only but I find that most of the time they do not and therefore are not protect the consumer I have worked and lived in Texas all my life
Product: Credit reporting or other personal consumer reports

Some one has taken out car loans in my name as well as auto insurance under my information but says the drivers name is someone totally different and has XXXX cars XXXX payed for and XXXX not with my name involved on my equafax credit report when I don't even know the individual also I have never received my covid money that was applied for and never received XXXX XXXX tax money when applied for it it tells me I need to contact someone else. I am also not being able to get on credit karma to check credit scores it denied me saying the information did not match. I am refused by IRS and they won't let me speak with them over the phone saying my information don't match and then they hang up their phones on me. Some one also had a car wreck and has used my name at the jail house saying they were me using my information now I been having trouble with the law in XXXX XXXX for breaking and entering and want me to go to court over these things ... im so confused I need someone's help badly to clear this XXXX up. I don't want to be doing time in jail for things I've never done. I have not been in XXXX XXXX but the information on the male driver who has auto insurance in my name as well as all my information lives in XXXX California because I looked the name up and this male lives in XXXX XXXX where XXXX resides.in. please help me connect the dots. I don't like what's happening with my money my information nor the foul things this person is doing to ruin my life. I need help please I'm begging u.
Product: Debt collection

I started disputing Bank of the West credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch of Bank of the West three times, filing two more reports at the local branch, filing complaints against both Bank of the West and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX  in XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, Bank of the West chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like Bank of the West. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. Bank of the West needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Experian to investigate XXXX, XXXX  XXXX and XXXX XXXX XXXX   XXXX. Company continues to use " black box '' methods to investigate issues. Company failed to remove hard inquiries off credit report. This company failed to comply to FCRA guidelines. Requesting a full investigation of my credit file. This continues to have issues with getting credit from different companies. Company has failed to update credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The balloon payment condition in the modification was under duress. I had no option at the time but to accept it. The balance went from XXXX to XXXX and took away any realistic chance I had of ever actually owning the home. JP Morgan Chase also had the option to just reduce the principal to get me into an affordable payment and that was not their choice. Therefore, they took advantage of my vulnerability at the time to increase their profits!
Product: Credit card or prepaid card

I purchased item from the XXXX XXXX. 
I placed order 2 same item by mistake so i canceled one with the XXXX XXXX. 
but my credit card charged for 2 items and declined my dispute.

I only pick up one item, and i talked to XXXX XXXX  several times verified with them my charge got refunded to Chase. 
I don't understand why my dispute got declined, i already submit my cancelation email from XXXX XXXX  and receipt also. 
they might got confused because I ordered same item in same day but should verify with order number. 
one I need to cancel/dispute is XXXX XXXX order number : XXXX please take care of this matter. 
thanks,
Product: Student loan

I tried contacting them about responding to an education award request made through my XXXX  portal and they have no information regarding it or even see it on my account despite the fact that I called and checked with XXXX  before I called MOHELA and did confirm from XXXX  that the holdup was occuring on MOHELA 's end of things. I made this request almost a month ago ( XX/XX/XXXX ) with the hopes that my payment would go through before my XX/XX/XXXX deadline for resuming payments after my term of forbearance. They are attempting to conduct a " Payment refund research request '' which I don't know if that is even a real thing, since they wouldn't send me email confirmation of anything we discussed about regarding my loans and account. I have a conversation key which I was told could be used by other customer service parties to help them better understand what I will be asking in the future. KEY : XXXX I called at XXXX on XX/XX/XXXX and was on the phone for 91 min. I do not trust MOHELA 's ability to service Federal Student Loans seeing as they are not even able to accept lump payments such as mine requested for {$13000.00} in XXXX from a National Service Trust, and largely due to their inability to provide meaningful assistance to borrowers who simply want to pay off their loans. I know they have the ability to accept money from the national trust because they accepted an interest payment for {$150.00} but have ignored my lump sum payment and allowed me to accrue interest on the original principle.