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

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 15 U.S.C 1692C 26 U.S. Code 7529 I received a copy of my credit report with the intention of trying to mprove my credit and take care of my responsiBilities and noticed accounts that are suspicious and inaccurate. I havent received an update or response. I have an identity theft report that includes cyber attacks and attacks on my bank accounts as well as my credit card, loan attempts and attempts to apply for additional credit cards. 

XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type Individual XXXX XXXX  Location XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX ^ Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Request XX/XX/XXXX Individual ^ XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Permissible Purpose XXXX XXXX Requested On XX/XX/XXXX Inquiry Type Individual ^ XXXX XXXX XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type Individual ^ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX EXPERIAN XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX 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  Phone ( 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 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

At approximately XXXX p.m. XXXX on XXXX XX/XX/2018 I received a telephone number while I was attending XXXX   classes ( my full-time job ). The number that showed up on my caller identification was from ( XXXX ) XXXX and was listed as a " telemarketer. '' The female caller asked if I was " XXXX '' and was she speaking to him. I said " yes. '' The female caller ( whom I later identified as XXXX XXXX representing I.C. Systems ) began to tell me that I owed a debt of {$90.00} plus dollars for XXXX XXXX. After I told XXXX XXXX about the 'fact ' that I don't owe this debt and 'vehemently ' deny it being my debt ; XXXX XXXX began to engage with me in a very closed-off manner accusing me of cutting her off from speaking and telling me that she and her company aren't making money from this transaction. XXXX XXXX falsely represented the money she claims is owed to her and I.C. Systems. 

Earlier in 2018 I switched cable providers and informed XXXX XXXX as such. During a series of phone calls between XXXX and myself it was told to me that I no longer owed any monies and my account was " paid in full. '' I moved on. However, I then get contacted by XXXX XXXX who is purportedly representing I.C. Systems ( which when asked for the address of her company I was denied that address ) telling me I owed more money than XXXX claims which is zero! I reminded her that I felt she and her company were just trying to make money and that they had bought ( what she described as a contract ) this wrongful debt and was attempting to take money from me. I also told XXXX XXXX to never contact me again ( as this is a work number and I was in school and it disrupted a discussion I was involved with ). XXXX XXXX did falsely say that the telephone ( XXXX XXXX XXXX was the only number she and I.C. systems had. If that is so, why was the phone number she was calling from state otherwise as listed earlier? The fact is XXXX XXXX ( if that is even a real person ) and I.C. Systems are involved in a racket to manipulate innocent victims into giving them money which is criminal and thus should be punished as such.
Product: Credit card or prepaid card

As of XX/XX/2020 I got a notice from XXXX XXXX concerning my account which to my surprise had been closed! I received NO notice, in fact the only notice I received was when XXXX XXXX sent the notice otherwise I got nothing from First National bank Omaha. I cherished that account. 
According to the Cares Act 2020 We were supposed to be protected through XX/XX/XXXX from adverse actions, I guess First National Bank Omaha seems to think they are immune from Federal Law, We'll see. They said they sent a notice, I never got a notice otherwise this action would not be happening. Make no mistake, there will be consequences for this, even if it was only XXXX dollars. This is not just a threat, I will see you in court and First National Bank Omaha will pay my travel, hotel, car rental, fuel for the car, and food, plus whatever legal fees may come to. Its not the money but rather, the principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I have noticed inquiries that I did not authorize nor have had any association with these companies. The following inquiries are not authorized ... XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I sent a requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX/XXXX/2025 I received a response stating that the account ( s ) were verified on XX/XX/XXXX25 I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Account name XXXX, XXXX  Account number XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 open credit card accounts. Two are from XXXX XXXX XXXX and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of XXXX, Equifax, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.
Product: Credit reporting or other personal consumer reports

Secured credit card was paid amount due on account balance and account was to be closed leaving the {$500.00} security deposit to cover any additional balance or to be refunded to me and neither was done. First National Bank of Omaha has been reporting the account as a charge off with unpaid balance while keeping my security deposit for XXXX XXXX now negatively impacting my credit. I have reached out to XXXX  and all XXXX credit reporting agencies as the errors on the reported amounts are obvious but no change has been made to correct this.
Product: Credit reporting

This bill is for rent on an apartment I lived in until XX/XX/XXXX. I paid the rent through XX/XX/XXXX. I am being billed for rent for the entire month of XX/XX/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX/XX/XXXX.
Product: Debt collection

I noticed on my XX/XX/XXXX  Credit Report that there was an auto loan with Foursight Capital. I called numerous times and advised them that was not my debt and they were uncooperative and are not helping me with this matter. I also noticed other several fraudulent accounts. Per these creditors they are unable to assist me so I already filled out an ID Theft report and have submitted it to the bureaus. 

Other Fraudulent Accounts : 1. FOURSIGHT CAPITAL LLC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please assist with this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I loaded XXXX dollars onto my American Express card card and did not realize until I got my statement online that my money was deducted from my card that when I looked and saw that I did not have my card in my possession I called the company and they sent me a PDF file fraud documents to fill out but I don't have a computer and my phone does not have what needed to fill out and upload and I ask three different occasions if they could take over phone or send bye mail or email address so I can send this back and they kept telling me after explaining that I don't have a computer or a way to get to the library or money to fax im on a bus and have no cash except XXXX cents it has be back to them in two days I won't be anywhere to fax or use computer until the XXXX of XXXX I really need my money back it was not me that used the card nor does anyone have permission to use my card
Product: Payday loan, title loan, or personal loan

I had a personal loan with RGV Loans located in XXXX, TX. We are currently going thru a pandemic and fell behind on payments XXXX XX/XX/2020 XXXX since our household went down to one income instead of two. They would not work with me in any manner, instead they filed a lawsuit against me. I have recently been making payments of {$200.00} which is more than my payment amount. XXXX XX/XX/2020 ) They are expecting me to make a payment every week which is impossible considering the situation i'm currently in. But they keep harassing me at work calling at least twice a day, I have already gotten in trouble at work. Not denying what I owe and i'm really trying to pay but can only make a payment once a month not every week like they expect. I try to tell them and they are not understanding at all. I can not afford to lose my job due to them harassing me.
Product: Mortgage

My husband and I have the following complaints against Specialized Loan Servicing ( SLS ). 
They hold a second mortgage against our property and have done so since XX/XX/XXXX. Recently, my husband and I have been trying to obtain information regarding our loan from SLS to avail. We have been advised that our account is past due, but unable to get information on when the account became past due and how the amount stated was determined. I would like to receive confirmation on when our checks were received and when they were credited to our account. I am concerned checks are being held until our payment is due, therefore incurring late fees. For example, our XXXX XXXX payment was written on XXXX XXXX, then our XX/XX/XXXX payment was written on XXXX XXXX, but both checks were deposited on XXXX XXXX ( see bank statement attached ). 

We are also concerned that SLS has advised us in writing that our monthly payment is going to increase effective XXXX XXXX, XXXX, but have been unable to tell us what that new amount is going to be. We have called several times to obtain the information. Once I was told by the customer service representatives that our payment was not going up ( XXXX ) ; then I was told they did n't have that information available ; then I was told that could not give me that information. I believe they are withholding the information in an attempt to deliberately make our account delinquent, therefore securing more money from us. 

We also do n't understand how SLS is not responsible for sending us monthly statements for our account. We have requested statements, but have been told they do not provide them but I could go online for the latest information. When I did that yesterday, it showed our last payment received was on XXXX XXXX, XXXX and that our next payment due is on XXXX XXXX, XXXX and the amount due is XXXX. But we received a letter stating our account is in default and a possible foreclosure action is pending. 

We do n't know if this is a new policy or what, but all of our other creditors provide statements indicating the amount of payment due, the balance of the account and a payoff amount. Again, I believe SLS does this on purpose in hopes of customer 's falling behind and incurring additional fees or a worst case scenario of someone losing their property. 

We would like a letter written to SLS with our complaints and requesting documentation of every payment made, every late fee and any other fees charge and when they were applied and how long it takes them to process payments. We would also like in writing, the new payment amount due and a payoff amount.
Product: Credit reporting or other personal consumer reports

I called experian today ( XX/XX/year> ). I dialed ( XXXX ) XXXX. I spoke to a female XXXX agent by the name of XXXX on or around XXXXXXXX XXXX  XXXX. After her introduction, the call went silent. I kept saying " hello? Agent are you there? Hello? '' And there was no response. This is known as call-avoidance. This is inappropriate and unacceptable. In addition, dropped phone calls from Experian 's side has happened on innumerable occasions. It has become a pattern and practice. If this does not stop, I will retain a class action attorney and my OAG, and file a multi-district class action lawsuit against experian. We will pursue any and all criminal and civil penalties. Moreover, I have the phone call recorded as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX bankruptcy petition 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX FM XXXX XXXX # XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I check my credit report and see inaccurate information on it. It's show late payment that don't add up please removing and delete this account. XXXX XXXX XXXX XXXX. It say XXXX days late for XXXX times and 60 days late XXXXtimes and 90 days late XXXXtimes. This is all inaccurate information. Please remove this account.
Product: Mortgage

I want to thank you for helping me before. Now LoanCare has blocked me from accessing my mortgage account and will not help me. I am sure it is because I reported them. I have tried for over a week to contact them to get a mortgage statement. Today after speaking with 7 persons I was told I am unable to access my account due to the " agreement '' we now have for my loan modification. They all say something different. AND I found an email saying I was approved for the forbearance on XX/XX/XXXX of last year- they have repeatedly tried to tell me I was behind in my mortgage on XX/XX/2020. I have that email. 
I have received information from the Colorado Housing Assistance Program that will help me with 2 months of mortgage and they have requested a mortgage statement. LoanCare will not help me. Also since I am unable to access my account I can not print my 1098 to do my taxes. When I call them I get transferred 2-4 times all getting different answers. I am surprised there is not a class action lawsuit at this point from customers like myself. I can not afford to sue a giant company. They are just awful. I am truly trying to fix my problem!
Product: Credit card or prepaid card

XXXX deceived me, into signing up for a credit card with Synchrony Bank , which would pay for the work under the credit card. XX/XX/2022. 
I as an XXXX, XXXX individual, did not understand that he was signing up and authorizing a purchase on a credit card. 
I was never informed the plaintiff that he was applying for a credit card. 
Synchrony Bank authorized the payment of {$7500.00} charged to the credit card Synchrony Bank failed to inform me that I had signed up for a credit card. 
Synchrony Bank failed to inform the me of the {$7500.00} charge they authorized to XXXX . 
Synchrony Bank now, through its collections agents, has sought payment in the amount of the {$7500.00} charge on the credit card. 
I has since disputed and raised concerns regarding the account delinquency. 
Synchrony Bank has since reported the account delinquency to the national credit reporting agencies, causing a decrease in my credit scores, and causing distress to his financial position. 
Moreover, I contends that my signature on the loan documents was forged, to which I notified Synchrony Bank. Synchrony Bank failed to investigate said potential fraud, and I was both ignored and disregarded by Synchrony Bank. 
In connection to my disputes, Synchrony Bank failed to report to the credit reporting agencies that I was currently disputing the account delinquency that was reported in accordance with Fair Credit Reporting Act. 

Synchrony Bank through the credit card has caused damage to my credit report
Product: Credit reporting or other personal consumer reports

After reviewing my consumer records, I found instances of late payments listed on an account for which I have consistently made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and it is crucial that this information is represented with the highest accuracy.

I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. I request a comprehensive investigation into these discrepancies and ask that you provide evidence, such as statements, to support the claims of late payments. If you are unable to furnish such proof, I request that these payments be promptly updated to reflect their correct status as on-time, as I have consistently met my payment obligations without delay. 

Additionally, when I first obtained my mortgage with this company, I was informed that they did not report to credit agencies and was never notified of any policy changes regarding this matter.
Product: Debt collection

Currently report me with negatively on my credit reports XXXX XXXX,2016 after I had to move out of my apartment due to an XXXX  husband. My husband was XXXX  me and he refuse to leave.