23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I ordered XXXX & XXXX XXXX  internet and XXXX XXXX bundle. XXXX XXXX was installed but no one ever came to install internet. after 2 days i was told XXXX XXXX   wasnt available in my area and i couldnt get the bundle discount XXXX  canclled my entire account including XXXX XXXX  and got internet and cable from a local providr. in XXXX of XXXX i discovered a negative mark on my credit score from an XXXX XXXX XXXX debt collection i knew of. i gave spent the last 2 months calling and emailing Franklin collection agency and XXXX XXXX XXXX for info. They said I owe XXXX dollars for DSL internet. i have asked both XXXX XXXX XXXX and Franklin collections for proof of internet service provided by XXXX XXXX XXXX. a bill, a copy of a contract, a service agreement, ANYTHING to show why they have billed me. I have recieved nothing. I have spent dozens of hours on the phone with Franklin and XXXX XXXX XXXX and constantly get transfered, told to call other numbers, told to call the collection agency because XXXX XXXX XXXX doesnt have the debt anymore and has bo record of it and the collection agency tells me i have to call XXXX XXXX XXXX to get the details of the bill. no one has helped me. i have copies of emails i sent, requests for documentation, phone records, names and id numbers of representatives I have spoken to and I have no answers from anyone but they will not discarge the debt or provide any billing info. At no time has employee from XXXX XXXX XXXX internet service entered my home or property to install or set up any internet service or equipment. at no time has any employee from ANY internet service provider associated with or representative of XXXX XXXX XXXX entered my property to install any intermet service or imternet service equipment and I affirm that I have never at any time had XXXX XXXX XXXX service installed or activated in my name. these charges are fraudulent and XXXX XXXX XXXX and Franklin services are using abusive and evasive practices to perpeutuate these fraudulent collections. i need asistance desperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX and XX/XX/XXXX. The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XXXX XXXX XXXX  but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.
Product: Credit card or prepaid card

On XX/XX/XXXX at roughly XXXX XXXX XXXX XXXX was talking to a person from Discover. The phone number was ( XXXX ) XXXX. I asked for a XXXX XXXX instead a gentleman said he was not available he would help me. I explained to this gentleman that I received a offer from Discover to settle my account with Discover for 60 % of my total balance. We spoke about it I asked him to speak to manager he put me on hold for long time. He then came back on the line said he could not find manager but he would settle for XXXX XXXX I said I would go ahead and do that he disconnected the line. The line went dead. He hung up on me. None the less when I called the same number back. The guy hang up on me who answered the phone again. They hung up on me twice when they said yes. The first gentleman told me he was writing up deal. He would be back with me. Instead pretended like we disconnected. People get into financial trouble but to be treated like this is unacceptable. Please honor your deal you said the call was being recorded.
Product: Credit card

Capital One has charged me over {$90.00} in late fees. I 've contacted them multiple times to resolve the matter and have been reassured by team members hat the issue is resolved yet they continue to charge late fees to the account. This account has been closed out for several months at this point and I 'd really like to have this matter resolved.
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XX/XX/XXXX Account:XX/XX/XXXX Open options Account # : XX/XX/XXXX Open options Account # XXXXXX/XX/XXXXOpen options Account # XXXX Inquiries XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped 20+ plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX data breach which led to being a victim of identity theft. my information was used to attempt to open credit in my name which led to XXXX hard inquires on my TransUnion credit report which I did not authorize. these are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Neiman Marcus Credit Application was denied stating that : " Based on you r application information, application submitted is incomplete or can not be verified. '' Source XXXX Consumer Relations : Time since most recent account opening is too short. ( I was approved for a XXXX XXXX XXXX Visa without issue {$1500.00} Credit Limit which is being managed appropriately ).

Number of accounts with delinquency. ( I have no accounts with delinquency and have a 100 % perfect payment record ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts. ( I am using between 10 - 25 % Credit limit way below 30 % ) Time since delinquency is too recent or unknown. ( There is no delinquency )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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 # 2 states a consumer reporting agency can not furnish my account information without my written consent.

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following 4 credit inquiries listed on my Chex Systems Consumer Report : XXXX are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX, XX/XX/2020, I am a victim of identity theft and Chex Systems  has a recent police report on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. 

I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Product: Bank account or service

I opened a Wells Fargo checking account in 2012 and the account has no proof that it exist but I have paperwork saying something different
Product: Debt collection

Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail to the address that is provided on my credit report the letter came back to return to sender. Syndicated Office System is well are that this account is fraudulent and still verifying it with the credit bureaus. I called and talked to their office supervisor who on a recorded line said they did not need to reply to the credit disputes. I have sent a second dispute to them and consulted with an attorney about this ordeal.
Product: Credit reporting

I have put a 90 day credit fraud alert on my file, but I also want to dispute the things that I saw and I do n't know how to do that. I tried to get my Free Annual Credit Report this morning and it asked me security questions about a mortgage I supposedly took out in XXXX, I could n't answer those questions because I NEVER had a mortgage before. It also asked about a retail card i took out THIS YEAR, NEVER had a retail card before. The second time I tried to get my FACR it asked me security questions about an auto loan in XXXX, I JUST GOT MY LICENSE YESTERDAY. I have NEVER had a car nor have I ever took out a loan for XXXX. It also asked about an installment loan, could n't answer that either because I have NEVER taken out a loan before. I want to fix this issue as soon as possible, but I do n't know where to start. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

Hi this is my third time trying to resolve this matter. I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, they are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Debt collection

At the time that the credit card was open, I was XXXX I was XXXX from XX/XX/XXXX until XX/XX/XXXX. The credit card was opened on XX/XX/XXXX. The charges occurred between the dates of XX/XX/XXXX to XX/XX/XXXX. Therefore, the card was not opened or used by me.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a letter I received from XXXX XXXX XXXX XXXX  ( XXXX ) on XX/XX/2023 informing that they had a security breach on XX/XX/2023 and my personal information such as my Name, Date of Birth and Social Security Number was compromised and stolen by an unauthorized third party. The following accounts thats currently showing and listed on my Experian and XXXX credit report is the result of the data breach and are fraudulent accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I received a Vanilla Visa Card as a gift in XX/XX/XXXX. The value received was {$200.00}. I tried to use the card for the first time a couple of weeks ago, and was unable to use it. I checked the balance online and the value was zero. When I checked the balance online, I could see that the starting balance was {$200.00}, and that it had been used on many occasions and depleted to zero. I did not use this card at all and did not make any of the purchases. I believe someone hacked into the account and stole the card. I have contacted Vanilla and submitted a dispute packet on XX/XX/XXXX. I have not heard anything back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2019, I went to the XXXX XXXX office in XXXX, MA. The reason I was going there was to figure out the plan changes on my line. Before figuring out what was happening, the person who helped me put me on a new plan and ran a hard inquiry on my credit report. I was not informed about an inquiry and I explicitly told the person that I have no consents for any credit checks. The person assured me that since I am with XXXX, there will be no credit checks. In the end, I received an email from XXXX that XXXX put a hard inquiry to my credit report via Equifax. I disputed to this inquiry through Equifax since I did not authorize this procedure. After these I asked the person to undo what he has done but he said it is too late. XXXX sent me a receipt via email for my plan change. I have not seen any receipt in the store so my sign is missing in the receipt. I have not authorized a single operation in that store. Yet, they put me in a plan, they ran credit checks on me. On the other hand, I called XXXX XXXX to file complaint about the poor customer service I received. I requested from XXXX that if they could also dispute or undo this unauthorized credit check. I was told that it is impossible by XXXX. After this, I switched from XXXX to XXXX by XXXX same day because of this issue. I'd like XXXX to dispute any kind of hard inquiries to any credit companies on XX/XX/2019.
Product: Student loan

I applied for the XXXX XXXX forgiveness program 2 years ago. I provided ALL requested information to Mohela, on several occasions, and every time they got the information they asked for, they came back asking for something different. First it was detailed payment history mailed in XXXX, then it was Employment verification, mailed XXXX and XXXX. Then it was pay stubs, next W-2 information. I worked for XXXX XXXX, now XXXX from XX/XX/XXXX to XX/XX/XXXX- all of the paystubs and W-2 's were archived and unavailable. I was told to download the information from IRS.GOV website and mail that in XXXX of XXXX, once again I was advised that what was needed was a declaration from XXXX, formerly XXXX XXXX, I jumped through every single hoop Mohela asked and made me jump though, and now was just advised that I don't qualify based off of payment history. They have made me jump through incredibly significant hoops only to continue to come up with different reasoning for my application to be denied. It is never the same reason. My loan was transferred from XXXX XXXX to Mohela as I was eligible for XXXX and yet here I am once again being denied. Mohela is acting fraudulently, is impossible to get in touch with and out right preventing those eligible from receiving the forgiveness they are eligible for. I filed a formal complaint on the federal student loan site and it is STILL in review, I have included a screen shot of the XXXX closed XXXX applications as well as the status and case number for my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Complaint, I am XXXX Very Bad, XXXX is hurting me causing damages where as i am moving this month and can not let them check my credit due to XXXX dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of XXXX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to XXXX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law
Product: Mortgage

I am elderly and this is very difficult for me and endangers my financial situation. 

they placed forced place insurance. 

I provided/ uploaded my new insurance. 

They are still charging me for forced placed insurance. 

I called UWW loan servicing and after going through all the identifying prompts and re-stating info when i spoke to someone, they told me they had to connect me with another company that handles insurance. 

I went through all the prompts and identifying things again and went through their phone mail tree endlessly, finally the recording said, " we can not complete your call at this time, please call back to the XXXX #. '' This is horrible treatment of anyone, especially an elderly person who has more difficulty with all these voicemail prompts, etc. I am trying to do the right thing and make my payments and insurance on time, and I am being hurt by UWM.

Please do not just accept the UWM 's explanation and please confirm with me before closing the case. 

I found an attorney who might help me with this and he said it sounds like elder abuse.