23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a XXXX card back in 2014. My first purchase was for a tablet. I made monthly installment payments on the tablet until it was paid in full. There has been major disputes with this company as they put me into collection for {$380.00}. This is all from fee's/interest/late payments. I 've contacted XXXX several times and I provided them with proof that they took the payments from my bank account. It was verified with 1 customer service rep that the tablet has indeed been paid in full. Another customer service rep told me I was suppose to make the payments to the XXXX not to XXXX. Regardless they received there money. I was furious when I saw on my credit report that they sent me to collection. I contacted the collection agency 's today and was told for {$250.00} they will settle and close the account. I was also told that crown assets took over XXXX. XXXX is no longer existing according to the information I received today. I explained to the collection agency that I am not paying {$250.00} for something that has been paid in full. I am also not paying for any late fee 's that were assesed to the card because I never paid late. I tried contacting XXXX today but to no success was I able to get anywhere. I was told to contact the collection agency. I told them I did that already. I am very upset with this company as this is affecting my credit score and affecting me in obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I have a right to an accurate credit file. The inconsistencies on my credit file dealing with this account are unacceptable and are obvious.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i requested with all three CRAs that i have been a victim of identity theft, filed a FTC report by law and submitted to them. per FCRA all information should have been blocked and deleted within 4 business days of receipt. Today it's the XXXX of XXXX and have not heard anything from them concerning my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

Good evening, Im making this report in regards to a previous PNC bank account. I literally only had the account for about a month in XXXX, one night I was out partying & lost my cards. Not even two days later, I was notified of an amount deposited in my account of about {$2500.00}, that was immediately taken out. I contacted PNC to dispute the charges and report the fraud & they canceled the card and sent me a new one. A few weeks went by, and they sent me a copy of the fraudulent check that was deposited. The check was from a restaurant that Ive never worked at and had my name on it. I notified them once again & asked why it hasnt been disputed or any further action, they told me all they could do is close my account. I just received notice that the debt is to be collected in my name. The debt collectors told me to make a legal report & then they can dispute it. I figured that PNC would make notice considering the amount of times Ive called and visited but they didnt.
Product: Mortgage

Trying to do a short sale. Package sent to lender XXXX/XXXX/XXXX - lender declined saying there was no hardship. Had client write more detailed hardship letter and resent with package on XXXX/XXXX/XXXX. Have been calling ( always put in XXXX XXXX 's voice mail with no response for over 1 month ). Also included customer service emails, which they keep saying they do n't have the information I sent many times. Home Point Financial will not respond to any communication and wo n't work with me. This has been going on for over 1 month and now they scheduled a sheriff sale on XXXX/XXXX/XXXX. HELP!!!
Product: Money transfer, virtual currency, or money service

I responded to an ad on XXXX for an apartment. The poster responded and we communicated via email and text. The poster provided a video of the unit and a utility bill with his name on it. I sent XXXX payments via XXXX XXXX through the Chase Bank app ) that totaled {$2300.00} ( {$1000.00} security deposit and {$1300.00} for first month rent ). We agreed to meet at the property on XX/XX/XXXX so that I could get the keys. However, he never showed up and stopped responding to my texts. I knocked on the door of XXXXne of the building tenants and that person called the owner of the building. The owner confirmed that there were no units available for rent and that I had more than likely been scammed. She mentioned that something similar to this happened about a year ago.
Product: Credit reporting or other personal consumer reports

This is the filling of my complaint to BANK OF AMERICA. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Product: Credit reporting

I used the Experian site to receive my credit report for {$1.00} as advertised on the site, but without my being aware of it the company also signed me up for a credit report monitoring service with a monthly fee, and I did not realize it until I saw an additional charge of {$21.00} on my credit card the following month. The company did cancel the " subscription '' after I contacted them, but they refuse to refund the {$21.00} fee.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/year>
Product: Credit card

I received a credit card with a {$10000.00} line of credit from Santander Bank. I did not apply or ask for this card, and have no financial relationship with Santander. I have now spoken to three people at this company, and thus far no one has been able to tell me they have closed this card. They have personal information about me that I did not provide to them, like my social security number, date of birth, and address. I want them to 1 ) tell me how this card request was made and how they received all my personal information, and 2 ) assure me that this account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX Transunion, and XXXX No one has yet to validate this debt! 

Also, I have requested for XXXX to remove hard inquiries from my XXXX XXXX that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
Product: Debt collection

They call me EVERYDAY XXXX - XXXX ETC.. 
Told them to stop calling my phone numerous times a day and been harassed by them for OVER A YEAR.Told them to notify me by mail and yet they still keep calling. Block their phone # 's and they keep calling from different phone # 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have not been provided any details nor contacted regarding this debt. Account with original Creditor has already been closed and paid in full prior to debt collection attempts. I have not entered into any further agreements or provided any signature for a contract in validity of this debt.
Product: Debt collection

Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please ensure that all information is accurate.
Product: Checking or savings account

ON XX/XX/XXXX I RECEIVED AN ALERT BY XXXX MY COMPUTER WAS HACKED AND ID THEFT WAS TAKING PLACE. I IMMEDIATELY CONTACTED XXXX FOR ASSISTANCE, I WENT INTO MY PAY PAL ACCT AND NOTICED THERE WERE CHARGES WHICH WERE NOT MADE BY ME IN EXCESSIVE OF XXXX PLUS DOLLARS. THE PAYMENT WAS TO XXXX XXXX XXXX. I FILED A DISPUTE WITH PAYPAL HOWVER THE REPRESENTATIVE STATED I ORDER SOMETHING FROM PAYPAL AND REFUSED TO PAY BECAUSE IT HAD NOT ARRIVED. THIS WAS TOALLY INCORRECT AND I SUBMITTED N ADDENDUM NOTHING I NEVER ORDERED ANYTHING FROM PAYPAL IN THIS AMOUNT. HE INTENTIONALLY NOTED THIS IN ORDER TO BUY TIME SUCH AS 7 DAYS IN ORDER FRO SYNHCHRONY BANK TO GATHR THE MONEY TO RESTORE MY ACCOUNT. ON TODAY ALL OF MY MONEY WAS TAKENFROM MY ACCOUNT BY PAYPAL FOR A TRANSACTIONS I DID NOT MAKE. 

I PERSONALLY THINK THIS WAS INTENTIONALLY DONE DUE TO PAST RUN INS WUTH SYCHRONY BANK. THEYHAVE CREATED A SITUATION IN ORDER TO CLOSE MY PAYPAL CREDIT ACCOUNT. IN ADDITION, I TRAVELED TO THE BABK AND FILED NECESSARY PAPER WORK THE AMOUNT CHARGED ON THE PAYPAL ACCOUNT FOR THE HIGHEST TRANSACTION WAS XXXX. THE AMOUNT DEDUCTED FROM MY ACCOUNT WAS XXXX WHICH IS A TOTALLY DIFFERNT AMOUNT AND TRANSACTION. 

IN ADDITION I HAVE RETURN ITEM PURCHASED THROUGH PAYPAL CRREDIT AND HAVE NOT RECEIVED CREDIT FOR THEM. 

ON XX/XX/XXXX A PAYMENT OF XXXX WAS SENT. THIS PAYMENT WAS ACCIDENTLY SENT TO A LANDLINE NUMBER. THE RECEIVER STATED SHE DID NOT RECEIVE THE PAYMENT. BUT PAYPAL STATED THE RECEIVER DID, GUESS WHAT? SYNCHRONY WILL CLOSE THIS ACCOUNT ALSO.! OH WELL!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. XXXX XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested to have XXXX  XXXX XXXX XXXX and XXXX XXXX removed from my reports. They do not belong to me. 


I also have tried without success to remove all unauthorized inquires from my reports. 

XXXX XXXX XXXX XXXX The other names and social security numbers on my reports do not belong to me and wish to have them removed as well
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Wells Fargo Auto a letter they requested in order to remove a hard inquiry they made on my credit. I initially disputed the hard inquiry in XX/XX/2022 when they sent me a letter stating they ran my credit. Application # XXXX. On XX/XX/2022 after not receiving any acknowledgement of my request I sent a certified letter disputing the hard inquiry, On XX/XX/2022 I finally received a response stating they would not remove the inquiry. On XX/XX/2022 I received another letter after filing a complaint with CFPB requesting documentation from the dealership stating the credit application was processed in error. Case # XXXX. I have submitted the letter from the dealership and they still have not removed the hard inquiry. Letter was submitted directly to XXXXXXXX XXXX XXXX  the XXXX XXXX Management Office In regards to XXXX XXXX XXXX XXXX, Ref # XXXX, I have not received any acknowledgement they received the letter from the dealership nor have they removed the hard inquiry. 

The dealership letter was sent to both companies with their respective case numbers and neither have removed the hard inquiries. 

Also, I did request documentation showing my signature on supposed credit application and neither produced anything with my signature which violates my rights under the credit reporting act.
Product: Consumer Loan

Collection agency, Lockhart, Morris, Montgomery continues to lie about collection of my loan and the threats they made to me and my daughter. I have never said I signed the contract. I never signed the contract. My daughter was not even in the same city when the contract was signed. The contract was emailed to me because XXXX, the salesman had it on a laptop. They claim they did not give me my full social security number and threaten me and my daughter but I have it recorded. They are lying. I can verify this. I also called the company the day the installers came and destroyed my home. I 'm trying to get the phone records now. I told them it was unacceptable. I did not want it. It states in the contract that I had three days to cancel. I also have an email stating the same thing that was sent to the company within the three business days. My daughter is listed on the contract as someone to contact if the alarm goes off and I ca n't be contacted. They only have her name and an old telephone number. XXXX and Lockhart, Morris and Montgomery are liars and scammers. I can verify everything I have said. They forged my signature and my daughter 's.
Product: Debt collection

NOTE : This complaint has been previously reported to the CFPB via case # XXXX. According to Supervisor XXXX XXXX - XXXX of the CFPB I am required to re-submit a " new '' complaint on the " new '' collection agency involved regarding this same initial fraudulent matter. <P/>Here 's what happened! On X/XX/16 a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this I contacted XXXX who investigated the same and verified that the contract employee had, in fact, fraudulently signed the aforesaid agreements in my name. XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services and I am still being billed for services and an early termination fee that I did not agree to receiving. Collection efforts are now being instituted against me by THE CBE GROUP, INC. - located at XXXX XXXX XXXX, XXXX, IA XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was totally familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she will be willing to verify this fact in writing if need be.
Product: Mortgage

Original Servicer for my Mortgage was XXXX XXXX XXXX who went bankrupt and sold my loan to XXXX XXXX, then sold to XXXX ( XXXX ), who stated during the time of the loan, there had been no payments for the past 389 days. In the mist of resolving the problem ( during my own investigation, retrieving documents from XXXX XXXX verified since all payments were sent by US Mail, because checks were not permitted while in Chapter XXXX. XXXX sold the loan once again to Seterus and added {$25000.00} to the loan. Home purchased at $ XXXX on XXXX XXXX XXXX. While in Chapter XXXX, since XXXX fees were assessed, cost of misc issues assessed. I have a copy of the letter sent to me from XXXX XXXX stating the monies sent to XXXX XXXX for payment of mortgage. I was not sure where to start here but I knew as soon as my BK was cleared I could take some kind of action. I could not afford a Lawyer because all my funds were accounted for. During this time I had to file BK to save my home, we have been in the home for 8 years. Seterus offered me a modification at {$44.00} less than my original payment of {$1700.00} which did not help after 6 months to process. They offered me nothing at this point accept for the XXXX options : Deed in Lieu, Short Sale, or Foreclosure. I have opted to use the Deed in Lieu, which was the only viable option and protect my credit from further damage. In XXXX became XXXX and had to retire from my job which was a lost of $ XXXX a year. This is just the nuts and bolts of this claim and this has had a detrimental effect on my wife and I, who is XXXX as well. I asked for a VA Loan since I am a XXXX year Veteran and they gave me the rules in spite of this gross error in accounting and servicing of my loan.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX With a balance of {$2400.00} Account number XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1200.00} Account number XXXX XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$770.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1700.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$2000.00} Account number XXXX There are also fraudulent addresses on my report which I do not recognize as reported which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

I contacted Principal XXXX XXXX for Advanced Collection Bureau , Inc. with a letter dated XX/XX/2020. Multiple times Advanced Collection Bureau , Inc. failed to respond to me directly the consumer and failed to fully verify and/or validate the alleged debt. All three credit Bureaus allege it has been verified with no full complete verification of it. Advanced Collection Bureau, XXXX XXXX XXXX amd XXXX XXXX have been acting in fraud in dishonor.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient issued me loans from XXXX until XXXX in the total amount of XXXX. They are given replacements. I would like to be included.
Product: Debt collection

Pursuant to 15 USC 1681b ( 2 ), I have requested that this unverified debt be removed from my credit file from the original creditor XXXX XXXX XXXX XXXX XXXXXXXX and the debt collection agency, Sunrise Cred. I have no business dealings that include a contract with my signature to either party. Both parties have attempted to verify this debt with personal information I have provided in previous communication with them. This is my last request for the alleged debt to be removed. Failure to remove from credit file will result in actions to seek monetary relief for damages as a result of the erroneous filing to credit file
Product: Student loan

Ed financial for XXXX student loan debt dont know what it is wrong person