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

Basically someone stole my identity to get my credit card, The thief called in and cancelled my credit card as lost or stolen and requested a new credit card to another address that I don't even live or have lived. 

XXXX 's had called me ( for security reasons ) and told me someone was calling on my behalf I also remember exactly telling them that no one should have called on my behalf and I haven't called them and clearly told them to stop communicating with someone else or from another phone number then they continued working with the thief and he or she got my credit card since he or she cancelled mine and requested another one to another address, Also when I called XXXX 's and I wanted to check where they sent the new credit card to they told me that for security reasons they could not tell me that type of information all that I got was that it was to a XXXX XXXX address, The thing is that I have never lived on a XXXX XXXX address, Also they had a copy of an ID that started with a XXXX but my ID starts with an XXXX. 

I've tried everything to get this taken care of by trying from calls to disputes and complains and they're still supposedly proving this to be mine for some reason and not only does Radius Global Solutions ( the collection agency ) want to charge me {$2600.00} Dollars but they are also reflecting on my credit report and its affecting me on my credit report and score. 

If they do not take any further action and fix their mistake I will sue both companies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH ACCOUNTS NOT ACCURATE. XXXX. XXXX XXXX ALL LATE PAYMENTS ARE INACCURATE!!! XXXX. ALL HARD INQUIRIES NOT REPRESENTING POSITIVE ACCOUNT REMOVED IMMEDIATELY!!!!!! Removal of all charge offs/collections accounts all inquiries not related to positive accounts and all late payments and all negative reporting closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordingly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

XXXX XXXX : ACCOUNT XXXX XXXX REPORTING WRONG INFORMATION LAST UPDATE XX/XX/year> : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!! ( XXXX ) XXXX XXXX ACCOUNT : XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX  BOTH ACCOUNTS PAID IN FULL STILL REPORTING AS ACTIVE NOT PAID IN FULL AND CLOSED!!!!!!!!! 

XXXX DROPPED MY SCORE BY XXXX PIONTS AFTER PAYING OFF LOANS IN FULL FOR {$3500.00} DOLLARS!!!!!!!!!!. 

XXXX DROPPED MY SCORE XXXX POINTS FOR PAYING OFF LOANS IN FULL XXXX XXXX!!!. 

IS EXPERIAN NEXT?
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate  and permanent deletion. 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: Checking or savings account

Im continuously harassed while at Wells Fargo bank branches in Arizona. I had to endure further harassment and discrimination today at a Wells Fargo branch. The bank limits my daily purchases to {$310.00} dollars, The bank refused to increase this limit. My Wells Fargo debit card information has been stolen at least three times in Arizona, The police have refused to process police reports in regards to this, since its based on obvious hate crimes, fraud and negligence involving both government officials and the Wells Fargo bank.
Product: Checking or savings account

I went to U.S. bank to cash a work check and the employees working there beat me up for my work check the employee grabbed my head and slammed it on the desk and said she wasn't giving me my work money or my check back the U.S.bank I went to to cash my work check is located at XXXX XXXX XXXX XXXX California please be careful the employees there said they was going to XXXX  me for my work money
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am writing to opt out of the processing and marketing of my data. It is my right under data protection law to request my data not be shared or distributed by CoreLogic XXXX ; further, I do not want my information shared or dispersed by XXXX XXXX XXXX. I understand this is not a permanent opt out request, and the suppression will be reversed given enough time. Please opt me out of all communications from CoreLogic XXXX, XXXX XXXX XXXX, and all other affiliates and partners. I do not wish to receive physical mail, emails, direct marketing, or telemarketing. Nor do I wish to receive prescreened, or firm offers from affiliates and partners. Please start this process immediately and notify me of its completion. Consumer Information : Full Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX KY XXXX Phone Numbers : XXXX Social Security Number : XXXX Date of Birth : XXXX Please let me know if you need any other information or help to fulfill my request. Thank you, XXXX XXXX XXXX XXXX full complaint
Product: Credit card

Attempted to use card at XXXX XXXX XXXX  card was expired realized I had never received a new one. Called number on back of card and logged in online only to discover that the line of credit had been closed. Noticed an adverse reflection on my credit score for this long-term card being closed. Contacted customer service confirmed that when card term was near its end bank unilaterally decided to close line of credit due to inactivity. Explained to rep there are very few places that except this card and the card was only used for high balance medical expenses due to its very narrow scope of acceptable vendors. Representative apologized but explained it was closed but I could re-apply for a new line of credit. Transferred to a supervisor who said it was not unusual for no notification to be given for account closure and apologized previous rep made it seem as though onus of calling to hey a new card near card expiration was on client rather than done as a matter of normal course. Explained again it was in terms and conditions that bank could close an account at their discretion with no notice to client but sympathized when I explained if I was given noticed I would have gone to one of the two places I know to make a charge on the card. Asked supervisor to file a complaint on my behalf he kept saying he would take the feedback and include my point of some notification in it.
Product: Credit reporting

Well I first noticed a problem in 2005 with XXXX credit card bills that were not mine than another card had been issued unaware of what I was beeing asked to pay I began to repeatedly call them about bills told the to turn off the card or cards. Sent them mail. I then received notification of a car and a mortgage. I live at home watching my mother who was in hospice and ill military widow until her recent death. I also just received notification that someone tried to do my taxes from the IRS. I also looked at a judgement page were I am receiving JUDGEMENTS NOT RECEIVING ANY PAPER WORK. My name in different ages etc. It is effecting my job applications and rental applications. I tried to get a copy of my own credit report and new none of the answers because the info is not mine or to my knowledge at all. I will change my name soc what ever I have to do. Thanks for your help. Sincerely XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I have made this Company aware that I 've been a victim of identity theft and also provided a police report to them. This company refuses to persue the person responsible for this Medical bill. I am and have always been insured by XXXX. Additionally any bills I had would 've been sent to XXXX and paid by XXXX. It is also against the law to bill someone who 's insured by XXXX for out of pocket medical expenses. This creditor has damaged my credit by reporting incorrect information on my credit report monthly.
Product: Student loan

My son has several school loans under American Education Services. I have to help him make his payments each month. When I go onto their online payment system, I have been paying amounts in increment installments on all loans by using their payment system. I pay each installment by the end of the month. Every month, I have been getting harassing calls by this company who states that my payments are delinquent. There is XXXX payment that they have been carrying over for over 40 days stating that this payment has not been made. I spoke with the supervisor and he claimed that the payment went on another loan. How can you use their payment system and request that this payment be made to this loan and it gets applied under another loan? This is not the first time that this has happened. I feel that I have paid them double the amount on my loans. For example, I paid my loan installments, in full, on XXXX payment in the amount of {$600.00}. The following month, I received a call from AES and they stated that I had a delinquency of {$300.00}! This amount also included late fees. This has happened before and when I approached AES that I wanted a summary detail payment list, they would not provide me one. The supervisor looked into it and stated that my money was allocated to other loans rather than the ones that I had indicated. This has happened to my daughter 's student loan that she has with AES, so this method is practiced quite frequently. American Education Services is the ONLY lender that places harassing phone calls. Other loan companies will call and ask if you have made the payment, and if you tell them that you will be paying the following week, they accept that statement. I do know that there are some people that will not tell the truth, and when they are asked about when they will be submitting payments, they lie. However, for someone like myself, who considers myself as a good person, gets harassed to the point that I have to hang up the phone. This has got to stop, not only for myself, but for other students who are desperately trying to pay back a student loan under this very poor economy. Another question, why do n't they allow students to pay on a monthly installment that they can afford? AES requires that you have at least a $ XXXX job so you can handle their payments. This does n't necessarily happen with students who just get out of college. And with the economy now, it will take a long time before they get to that level of salary.
Product: Credit reporting or other personal consumer reports

The move out date and the payments where wrong to account and I want off of my credit report
Product: Debt collection

I have been served with an income execution from XXXX XXXX sheriff concerning a judgement supposedly filed XXXX. It is from an attorney representing Midland Funding , LLC. I have never received a judgement for this. I have written a letter to them requesting a copy of the judgement today. Also, they have taken and amount of {$9800.00} from XXXX XXXX, 2007 and now say the amount owed is {$19000.00}. How can this be? There is no record of a judgement on my credit report either. What do I do?
Product: Mortgage

My husband and I are in the process of buying a home. I was working with XXXX XXXX ( NMLS # XXXX ) on submitting a loan application. 
We received a call from a friend, ( " XXXX '' for the purposes of this story ... XXXX is another broker ) we worked with on getting our pre-approvals when we were making offers. He told us that XXXX had called him pretending to be my husband. " XXXX '' did n't recognize the voice and said he would have to call back and got a phone #. The phone number was a XXXX phone number ( we are in XXXX ) and the voice mail said " XXXX ''. " XXXX '' decided not to leave a message and XXXX called back saying " Hi this is ( insert my husbands name ) '' and when " XXXX '' questioned him saying " I just tried calling you and it went to voicemail of someone named XXXX '', he said " you must have dialed the wrong number ... what rate were you giving us ''? 
Clearly he was acting unethically and likely trying to gain a competitive edge over the other broker we are working with and committing fraud pretending to be someone he is not. I am not only angry but nervous knowing someone like this has my confidential financial information
Product: Credit reporting or other personal consumer reports

Hi, Last XXXX I came across a great deal on XXXX XXXX  for an air purifier, big discount and 0 % interest over 6 months. I had no idea itll be reported as a consumer finance loan on my Experian credit report. First surprise was the purchase being reported as consumer finance loan, permanently marking my otherwise great credit profile as risky. After completing the payments on time, I reached out to XXXX, explained how their small paid off loan is resulting in a XXXX points drop on my credit report, banks are declining my credit increase requests and I fear Ill be penalized for it as I get ready to buy a home. XXXX  call center simply kept me on hold before disconnecting the call after a wait of 20 minutes, twice. The only feedback I got was XXXX  reported it as per policy. I wouldnt have gotten this small loan if I knew itll be reported and would be considered a risky consumer finance loan. The categorization of the loan was not mentioned anywhere in their documentation I understand their mandate on accurate credit reporting but penalizing my whole meticulously manage credit profile over a {$200.00} paid off loan is just not fair. Experian and buy now pay later industry needs to get their act together, agree on a suitable category for such loans before they penalize consumers for not very transparent gotchas they got hidden in their agreements. 

I request that XXXX  consumer finance loan entry be struck off my Experian credit report in good faith, helping me ensure I can buy and afford a house for my family at favorable rates I deserve based on my real credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. 
Equifax is reporting late payments on several accounts : XXXXXXXX XXXX  XXXX - Student loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. 

I at no time gave Equifax written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. 
The reporting of these late payments are not accurate and my privacy has violated due to Equifax violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
Product: Credit card or prepaid card

In XXXX, I was approved for a XXXX XXXX XXXX XXXX XXXX and gladly accepted. I was told by the store associates that I would receive a coupon magazine and my card within the month. It is now XXXX and Ive yet to receive my credit card from them. I made a late payment on XXXX XXXX, XXXX, and was told by the customer service representative that my card would be in the mail. Sometime in XXXX, I made a purchase in the store and the clerk was able to use my social security number to process my payment through the credit card company. I informed her Id never received my card so she called customer service. They, again, said my new card and vouchers would be sent out and I should receive it by the end of XXXX. I have not received my credit card, attempted multiple times to contact them so my card could be sent, and each time Ive been told it will arrive. It never does. On the card includes a number to call to make a payment. Since I dont have that number, Im forced to wait until my bill comes in the mail and interest has accrued even though I want to pay it off before then. Oddly enough, they have the correct email, phone number, and address since I do get a bill, but they cant seem to send me my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb / Car Care XXXX continuously report inaccurate information to the credit bureaus for a credit card that I am joint owner on. I have disputed this account with all three credit bureaus, and while two of the three bureaus deleted the account from my report, XXXX  continue to report this inaccurate  information. I disputed this account twice with XXXX, and they failed to do their due diligence to ensure the legitimacy of the information reported. They reported back that the information is accurate as report, but that is NOT true! 

According to XXXX  and Synchrony, 60 % of the payments were 30-59 days past due with the first past due payment being reported in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The card was charged in XX/XX/XXXX. The first bill was due in XX/XX/XXXX. Someone please explain to me how the account could be 30-59 days past due on the first bill? 

Below is a payment history the life of the card ( bank statements verification available upon request ) : XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$440.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$200.00} As you can see, regular monthly payments have been made since this account was opened ; however, XXXX  shows the account was 30-59 days delinquent in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Likewise, as of today, XX/XX/XXXX, Transunion shows the account is currently 30 days past due. Needless to say, that is inaccurate! 

The joint owner on the card called Synchrony repeatedly for failure to apply payments to the account. When this first came to my attention the account was reporting to the credit bureaus as being over 90 days delinquent. After calling the company, it was discovered they were not applying the payments correctly, although the funds were being drafted from our bank account. 

Both XXXX  and Syncb/XXXX  are providing false information that is having a negative impact to my credit score. I have tried to resolve this with both Synchrony and XXXX  but have not gotten anywhere with either company. The joint owner on this account was successful with getting the account updated with XXXX ; however, they refuse to update mine. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXXXXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent multiple letters to National Credit Adjusters about a debt on my credit report that they said that I owe their company. On my credit report, it states I opened an account with them on XX/XX/2019, in the amount of {$1200.00}. I have reached out to the credit bureau to do an investigation as well. They are also are not sending me any documentation with my actual signature or a contract to provide that the debt of {$1200.00} belongs to me.
Product: Credit card or prepaid card

Company has no reason to pull my credit report in order to apply executive actions - You misused my report in XXXX & XXXX