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

Three years ago I applied for a credit card upgrade with XXXX. They approved, but for reasons inexplicable they sent the card to an old address. And the invoices. Six months later I received a call from a collections company for a card I never received. I called XXXX and it took weeks to sort it out and they identified their error. By that time this had been reported to the credit bureaus. I went online and fixed the problem instantly with XXXX and XXXX. TransUnion required me to verify personal information, including addresses where I previously lived. None of the addresses were correct. I contacted them and they said I was in error. It became too much effort and I moved on. Three years later, I'm still seeing my TU score impacted by this mistake. I reached out to TU and they will not provide an online copy of my credit report, and, for me to dispute it I have to guess at the error because I can not see the error. They require verification information of which 0 % is accurate ( all the addresses they present to me as my prior addresses are wrong ) and there is no way to fix this. I have spent hours and hours trying to fix this. What is most painful is that XXXX recognized this problem and they have tried to fix it with TU, but TU requires me to start a blind dispute. Ever interaction with TU is going in circles and " wait 24 hours '' for nothing to change. I think the FTC should shut down TU : by comparison, the other two bureaus solved this in 20 seconds and TU is years into no progress at all. They ask for documentation, which doesn't exist. They ask for validation of incorrect information. How ancient are their systems? There is a point where fraud and un-navigational processes are indifferent, therefore the same. That's how dictators survive and that's how TU is staying in business.
Product: Credit card or prepaid card

I bought ring for my wife from zales in XXXX dollars 3 years ago I had to pay minimum of XXXX dollars per month this is what the the sales man told me and I did the same thing.After 2 years I got a bill of XXXX dollars with interest charge so it came to the same amount where it started.They never send me any notice or email saying that I have to pay my bill in 2 years otherwise they will charge me interest.I tried to explain them but they don't understand.
Product: Debt collection

The first time I contacted Monterey Financial Services LLC was when a collection/derogatory mark was placed on my credit report in XX/XX/XXXX and they are reporting it as an account that was opened XX/XX/XXXX. <P/>I explained to them that I am a victim of fraud and that this is exactly the way my identity is being used, online and with addresses and emails that I am not associated with. They said they would not assist me, that I must " deal with '' the 3 credit bureaus. I requested a copy of my file and they sent me a copy of the application and an electronic signature dated XX/XX/XXXX.
Product: Mortgage

I have been working with SWE Homes in Texas. I purchase a mobile in XXXX and placed on some land in XXXX, NC, I sold the land and mobile home to someone and they defaulted on the land contact and purchase owner financing of the mobile with XXXX XXXX XXXX. After not being able to locate the purchaser, I tried to contact XXXX XXXX XXXX, I then later found out that XXXX land had file for bankruptcy in XXXX. In XXXX Through research I found out SWE Homes now owns the land. For months I emailed SWE I all written correspondence, inquiring about the loan in order get the home and land back on track. We no success, I find out that SWE Homes / XXXX XXXX now wants to foreclosure on the home. They did not contact me with any alternative plans, no loan modifications, not work out program. They would not respond to my emails or phones call. I never once, hide and disputed the obligation.
Product: Money transfer, virtual currency, or money service

I have used XXXX with Bank XXXX XXXX as well as Chase and XXXX XXXX. It is only recently that they have asked you if it is the correct person you are send money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I have to repair my credit for many years now and my credit score doesn't go up. Since last year I have had exceptional credit payments from all my 7 credit cards and my score has not moved. XXXX XXXX is see my score as XXXX and when I looked on transition and XXXX  and XXXX  it shows XXXX on all three. I know something has to be wrong and it doesn't see like no matter what Ido my score doesn't go up. There not taking my inquiries serious. 

Theres inquires that's not mine and they won't remove. They had incorrect address which they corrected but any information linked to that account should have also been removed and nothing 's done. Please need help something wrong with these buareus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX as derogatory on my consumer report when Experian is reporting paid. XXXX is reporting this account as a charge off but according to the IRS charger-offs are considered a certificate of indebtedness, which is considered income. Income can not be reported on a consumer report. Also, the fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I discovered on my own accord that my credit had been compromised by the data breach with Equifax Credit Bureau. At this time I also had my husband check into his status and he too has had his information compromised. At no point since the initial breach, of which the exact date I am not aware, were either of us notified that our information had been at risk by Equifax. Unacceptable. 
On XXXX XXXX, 2017 the company tweeted out a FAKE web address with regard to the above stated matter. A fake website. Unacceptable. At what point does this behavior from his company become malicious negligence on the American consumer? 
My family have all worked very hard to obtain our current credit. Credit, something we MUST take part in. A company who can make a decision on our future, take our most personal of information without consent and view it how they see fit, and decide our future. Yes, we can work hard and pay every bill on time, take our credit seriously and protect ourselves with our purchase choices. But in the end, credit is something you can not " get around '' in today 's life. So how is it that one of the 3 credit bureaus could be so grossly negligent with our livelihoods? Our futures? I want to see that they receive the harshest the government can do on behalf of all of the people who have been affected by this data breach. I want the standards of our information to be kept at the highest level of security. I want to see them not only pay the consumers back the whopping {$1.00} or two we might see in a class action suit, but I would also like the government to investigate and fine all individuals and companies involved in this disgusting act. 
They are sitting by while millions of peoples lives could potentially be ruined by the Nations leading non-violent crime - Identity Theft. Unacceptable.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

I applied for a loan of {$500.00} online on XX/XX/2017. The page with the terms of the loan would not load until I electronically signed it. It finally let me see the terms after the money was deposited the next day. I also believe that this was an illegal loan offer for a Virginia resident even though they claim tribal immunity. Tribal law should not apply. Other payday loan companies such as XXXX XXXX XXXX and XXXX are no longer allowed to offer loans to Virginia residents because Tribal law doesn't apply and is illegal in this state. My interest rate was a whopping 474.8426 apr. My first ten payments of {$100.00} biweekly all went to interest. I paid a total of {$1700.00} in interest on this {$500.00} loan. I asked for a refund for the interest amount because I should only be responsible for the principal. I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has a XXXX  balance and needs to reflect that on my credit report. Please see attached balance statement.
Product: Credit reporting or other personal consumer reports

Since 2019 I have been trying to get XXXXXXXX XXXX to remove their derogatory comments of non-payment from the credit report. The charges were due to identity theft and fraudulent charge activity. I provided detailed information including a sheriff 's report, a police report with the name of the police officer, factual information demonstrating that I could not have made the charges, and an FTC report. I have interacted with XXXXXXXX XXXX many times without success or resolution. 
I have requested the investigation information that XXXX XXXX  fraud investigators have accumulated under the FCRA policy, i.e. ; I am entitled to that information so that I may respond directly to the incorrect information obtained and for which the denial to remove their derogatory comment is based from my credit report. 
XXXXXXXX XXXX CEO has refused to provide that information and his representative has informed me that I would require a subpoena and letter from my lawyers. This is incorrect as I am entitled to that information, to dispute XXXX XXXX XXXX incorrect information
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Product: Credit card

I had a Capital One card with my ex husband that I thought was closed in 2015. All of the monthly bills were not being sent to me, instead they were being sent to an address that my husband had set up. He purposely maxed out the credit cards and made no payments on them. This was by no fault of mine and had no idea that the account existed. I have made repeated attempts to go thru the fraud department with Capital One to have my name removed from the account as well as attempted to have the bureaus remove the item from my report as well. This is my last hope as it is affecting my ability to purchase a home.
Product: Credit card or prepaid card

Someone opened a capital one card in my name. Now my credit is bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX : {$9900.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$370.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I am filing this complaint against Synchrony Bank ( PC Richards card ending in XXXX ). On, or about XX/XX/XXXX, I purchased a set of appliances for my home from PC Richard. I was informed by the sales rep that by applyingfor the PC Richard credit card I would be able to take advantage of the0 % pro which allowed me to pay off the appliances at no interest for 3 years, which would have been expected to endon XXXX. He encouraged me to apply to give me time to pay for theappliances since he had pitched higher pricedappliances due to theirbenefits/features. I set auto-payment in the amount of {$120.00} soI wouldn'thave to worry about incurring late costs. Because of this, I did not regularly check my online statement. On Sat XX/XX/XXXX, I logged onto my account knowing I had very little payments left togo. Upon doing so, I was shocked and infuriated to see that my new balance was {$3400.00}. I realized that the PCRichard rep misinformed me and that the promotion did ended XX/XX/XXXX. At the time my balancewas {$840.00}! If my promotion had in fact ended when the representativestated, then the entire balance of my appliances would have been paid off by XXXX. To see nearly a $ XXXX balance increase was completely unexpected. I feel that the rep had misinformed me and left me at adisadvantage and had XXXX financialstrain on me, one that would be very challenging torecover from.I amdisheartened and extremely overwhelmed aboutthe outcome of this situation.Synchrony mentioned that there was nothing that couldbe done. I am a fiscallyresponsible person and I take pride in my credit that I have built. Please help! I would liketo pay the original balance of the appliance as of XX/XX/XXXX. I am not able to afford the interest baringamount of {$3400.00}. I have already paid approximately {$850.00} of interest from not paying off the balance in XX/XX/XXXX. I do not have the funds to pay thisextraordinaryhigh interest thatgottacked on to the balance.
Product: Prepaid card

So back in XX/XX/2024 I purchased a car from this guy for XXXX and he had told me to send it to him to XXXX  so I sent it from my bank to his XXXX  account but I never received the car so I requested a refund but never got it so I dispute it with my bank and they denied it and said they didnt see anything wrong but I sent In the proof of the conversation between myself and the guy where he stated that my car was being delivered but I never receive the car or my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my personal information on file in a security breach. It was clearly not properly secured, and now I 'm exposed to possible identity fraud and need to take both time and money to do due diligence to protect my assets and credit.
Product: Debt collection

I got another phone call today from " Portfolio Recovery, '' however, I have already asked them to cease and desist communication due to failure to validate the account as requested. I sent the last request on   XX/XX/XXXX    , attached hereto, to which I have still not received any written correspondence to validate this. I am however receiving phone calls still, after asking them to cease and desist communication due to their failure to comply with FDCPA regulations in providing validation for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to dispute and this is my second complaint regarding XXXX, XXXX and Americollect. Americollect send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. Americollect is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from Americollect. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
Product: Debt collection

G. Reynolds Sims, took over a credit card debt that I had for approximately $ XXXX last year, around XXXX XXXX. I was actually wrapping up a divorce at the time. I was making monthly payments and having them auto deducted from my checking. I moved however did not change my phone number and also forwarded my mail as well as legally changed my address. Five month later this law firm contacts me and says I now owe them over $ XXXX. They requested documents, tax returns, pay vouchers, bank statements, which I provided back at the end of XXXX XXXX. I did not hear from them again until recently when they, without communication or notification garnished my bank account taking all my money, plus the bank charged a {$120.00} fee for doing so. They took {$400.00} and this occurred about two weeks ago. I found out about it when I tried to purchase food with my debit card and it was declined. I logged onto my bank website to find my account balance to be XXXX. I called the bank and they investigated these transactions and indicated that G. Reynolds Sims garnished my account. How is it legal and fair that a company can do such things. I was reasonably trying to work with them to settle this debt and make payments. None of the XXXX other companies I 've dealt with had any problems calling me or sending me communications by mail to resolve my debts. I was and have been doing the responsible thing and trying to pay these debts and not just declaring bankruptcy like many people seem to do and just walk away. Can your agency please assist with this company and their handling of my account? How can a company purchase a debt for pennies on the dollar then turn around and charge over 30 % interest on the original debt amount? If this is legal then I think I want to go into the business of buying charged off credit card accounts as well. To be honest I am fearful of them and their tactics. I have been nothing but cooperative with them and have not been trying to dodge them like some consumers do. I am at my wits end with them and am at a total loss as to what to do in handling them. Any assistance you can provide or any recourse with this firm would be much appreciated.
Product: Credit reporting or other personal consumer reports

I have items on my credit report that are only there due to identity theft which was caused by a data breach. 
XXXX XXXX should be removed XXXX should be removed Also all the inquires on my reports are not mines nor authorized