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

XXXX. I am XXXX XXXX in XXXX XX/XX/XXXX. I applied for your card. Unfortunately to this day I have not received any answer from you. On XX/XX/XXXX. I applied again. And again I did not receive any answer from you. This is despite the fact that in both requests you sent me. An email we will let you know soon. So kind of deserve your word. Towards the citizens. Therefore, please send me your answer in both cases. Sincerely, XXXX XXXX. XX/XX/XXXX To the address that I used for this complaint.
Product: Student loan

I graduated college in XX/XX/2011 and my loan at the time was around {$35000.00}, currently my balance is {$46000.00}. I feel I wasn't given the proper guidance and how to handle my loans. I feel there has been added on charges as well, as Navient has been know to do.
Product: Checking or savings account

Funds have been low, and payments kept going through. Although funds were no longer available, overdraft fee after overdraft fee. Although no funds were available payments kept processing, causing a lot more overdraft fees than I could afford. When attempting to reach out for help in regards to the overdraft fees, I kept getting transferred from one dept to the other, and getting hung up on. I have yet to be able to bring my account to a positive balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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: Prepaid card

I sent my complaint last week ... I Mentioned how they Dont answer, when they do answer u on hold for XXXX hours, every time I ask for a supervisor they transfer me to another agent, or they transfer me and I get disconnected, they wo n't give me straight forward answers I need answered, i got put on hold without knowing and how they lying on social sites this is all on top of whats going on with my account..I should have receive my paycheck direct deposit on XXXX/XXXX/15 to this date no check and today is XXXX/XXXX/15 no agent has called me or anything. Most of the rep just do n't say anything I 'm tired of this this is so stressful
Product: Debt collection

I have spoken to this company multiple times about this debt. I have asked for proof and nothing. I have request them to prove this debt is indeed mine and nothing. The same lady calls me from this number multiple times within a 2 hour span. Very rude. I would like for this to cease immediately.
Product: Mortgage

I FILED A COMPLAINT, # XXXX ON XX/XX/23 ' AND WANTED TO INCLUDE THE ACTIONS IN THAT COMPLAINT BY UNITED WHOLESALE MORTGAGE CAUSED ME TO INCURE OVER {$3000.00} IN PENALTIES, LATE FEES & A LETTER OF " DEFAULT ON MY CREDIT REPORT " WHICH I DO NOT THINK IS FAIR & UN-FOUNDED!!!! THE DISPUTE THAT THEY CLAIM OF SENDING LATE NOTICES & MY CLAIM I NEVER RECIEVED ANY WILL PROBABLY END UP IN A COURT OF LAW BUT WANT MY COMPLAINT TO BE SEEN & READ BY YOU!!!!!!!!!! 


THANK YOU FOR YOUR TIME!!!!!!!!
Product: Credit reporting or other personal consumer reports

I have recently discovered that my personal information has been compromised, resulting in unauthorized information appearing on my credit report. I am writing to formally request the removal of this unauthorized and fraudulent information as soon as possible. Enclosed with this letter, you will find copies of the following documents that support my claim of identity theft : A copy of my government-issued identification ( e.g., driver 's license or passport ). 

A copy of the Identity Theft Report filed with the City of XXXX XXXX, FL on XX/XX/year>. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, completed and notarized. 

Any additional documentation related to the fraudulent accounts, such as correspondence with the creditors and any dispute letters I have sent. 

Request for Investigation and Removal : I kindly request that XXXX Credit Card conduct a thorough investigation into the unauthorized accounts mentioned above. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that these accounts should be removed from my credit report promptly, as they are a result of identity theft and not a result of my own actions. 

I have attached a copy of the police report and any relevant documentation that supports my claim of identity theft. Please find these documents enclosed with this letter for your reference.
Product: Debt collection

My property was stolen with false instruments, namely the Assignment of Mortgage has been notarized by a company ( Countrywide ) that was closed in XXXX, however the same company was used to foreclose nd auction off my home in XXXX. I am the owner of the property and have been fighting, it was only recently that the fraud set on my family to steal our home was identified, my husband a XXXX XXXX XXXX veteran could not take the stress any more and succumbed to an early demise on XXXX, XXXX. To think, he survived XXXX with all the killings  just to come home and be harassed to death by unscrupulous debt collectors. We were married for over 40 years. He suffered from XXXX, but we planned on spending our live together.
Product: Credit card

On Friday, XX/XX/XXXX I received alerts from XXXX and XXXX XXXX XXXX stating that a hard inquiry had been added to my XXXX XXXX credit report. Because I had not recently applied for loans or credit cards, I checked XXXX XXXX, and saw that the hard inquiry was for a capital one credit card. I immediately called capital one and spoke to a representative and explained the situation, and that I had never applied for a capital one credit card nor had any knowledge of a capital one credit card being opened with my name and Social Security number. She stated that there was currently no account open with my Social Security number, but suggested that I call XXXX XXXX to dispute the hard inquiry. I asked if there was a way to ensure that this account would not be created, and that charges would not be occurring on a credit card that I did not apply for. She stated that I should call back towards the end of the week, and see if the account had been approved yet, and speak to the fraud department if it was created. I then asked her if there was a way to document the phone call I had made to the company and she had stated since there was no account yet, there would be no way to prove or document the conversation. She once again suggested that I contact XXXX XXXX before we ended the call. I then created an account with XXXX XXXX to view my credit report and saw there was a phone number on my account that I have never had or been associated with. Upon further investigation, I then saw the hard inquiry requested on XX/XX/XXXX from capital one with a fraudulent address and the previously mentioned phone number associated with my maiden name, even though my last name changed in XXXX of XXXX. I was able to remove the phone number from my credit report, but then decided to file an identity theft claim through XXXX. After that, I reached out to XXXX XXXX, and the representative stated all the information I needed to begin a dispute. She then confirmed that I had put my account on fraud alert, as well as froze my credit report, and suggested that I freeze my credit report with the other XXXX major credit bureaus.
Product: Debt collection

I Wrote a letter to the ERC Group disputing the validity of this debt, a year ago. When they failed verify this debt, I assumed it was dissolved. But now a year letter they are calling me repeatedly & sending threatening collection letters. Calling me at obscene hours etc ; claiming I owe them $ XXXXon account # XXXX, XXXX XXXX XXXX . Their assigned reference # XXXX to me. I do not owe this alleged debt. I would like you to have them cease & desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evidence of non-compliance with my report. Injurious reporting of non-compliance, failure, non-certified information on my report and its negative impact on my financial situation. 
XXXX and XXXX non compliance and violation.
Product: Debt collection

My information was exposed during the data breach.Transunion has allowed this company to fraudulent put this account on my credit report without during a real investigation. I am a victim of identity theft this debt doesn't belong to me.I request immediately deletion or a full investigate. Account : Online information ser, BAL ; XXXX
Product: Credit card or prepaid card

I have filled for Florida unemployment and I didn't know when I filed I signed up for the Way2Go debit card. I was given Way2Go 's number but in order to access my card I need to have a PIN number. Since I didn't know I initially signed up for it, I don't have any PIN number or information of the card. I would like to be sent a new card, so I obtain access of my account.
Product: Vehicle loan or lease

On XXXX XXXX, 2016 I became aware of delinquencies on my account by BMW Financial Services because of an entry onto my credit report. I contacted the creditor and asked why I was not notified. I had continually checked on account and it would show all payment were being made and was current. I was told that there was an error on the account number, my name was incorrectly printed on contract and the payments were not being processed. I promptly made all payments current with with assurance from the Financial manager that any negative information sent to credit reporting agencies would be removed. Now the company refuses to honor the agreement and have damaged my credit severely.
Product: Student loan

In the month of XXXX XXXX lost my phone and whom ever had got in and was using and changing my passport on my accounts and my personal information was found on the dark web. Violation of 5 of the usc codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX, Date Opened : XX/XX/XXXX REPORTED TO XXXX, last day of payment XX/XX/XXXX Collection account with a pass due amount showing {$200.00} - XXXX XXXX, Date Opened : XX/XX/XXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} - XXXX  XXXX, Date Opened:XXXX reported to EXPERIAN, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match
Product: Debt collection

On XX/XX/2024 the Law Office of Brett M. Borland P.C. communicated with me through the mail attempting to collect a {$4200.00} debt from XXXX XXXX XXXX XXXX. 

In their communication with me they presented fraudulent and altered documents in an attempt to validate this debt. 

In addition to this the Law Office of Brett M. Borland P.C violated several sections of the FDCPA including 15 USC 1692g 809 ( a ) ( 4 ) & ( 5 ).

15 USC 1692f 808 ( 1 ) 15 USC 1692e 807 ( 10 ).

15 USC 1692 805 ( 3 ) 15 USC 1692e 807 ( 10 ) 15 USC 1692j 812 ( a ) Even though the company did not mention in their letter my right to spite with 30 days of their communication I responded to them on XX/XX/2024 disputing the debt and demanding that they cease and desist all communication with me. 

Lastly, this same " debt '' is reporting on my credit report from a totally different collection company ( XXXX XXXX XXXX ) which leads me to believe that this debt collection company is falsely reprinting themselves.
Product: Vehicle loan or lease

I got approved on XXXX, XXXX, XX/XX/XXXX at XXXX of XXXX XXXX ( XXXX XXXX ) and to extend my credit by signing autograph on credit application i entered into a consumer credit transaction where cash can not be allocated into such a term " credit '' My TILA & EOCA have been violated along with some chapter 15 U.S.C. Codes ( i.e ) 1, 5, U.S.C. 1662b. The down payment went from {$5000.00} to {$1500.00} to {$700.00} in under 2 hours. Calls have been recorded on my end from Both XXXX OF XXXX XXXX as the dealer & AMERICAS CREDIT AND ACCEPTANCE as a partial lender both parties telling me the other party is the one asking for the funds.
Product: Credit card

Post date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$5000.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Post Date XX/XX/2023 XXXX XXXX {$550.00} Post Date XX/XX/2023 XXXX XXXX {$2000.00} Post Date XX/XX/2023 XXXX XXXX {$300.00} Post Date XX/XX/2023 XXXX XXXX {$1900.00} Post Date XX/XX/2023 XXXX XXXX {$2100.00} Post Date XX/XX/2023 XXXX XXXX {$700.00} Post Date XX/XX/2023 XXXX XXXX {$1800.00} Post Date XX/XX/2023 XXXX XXXX {$2500.00} Post Date XX/XX/2023 XXXX XXXX {$2600.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Post Date XX/XX/2023 XXXX XXXX {$2000.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Total = {$24000.00} My credit limit at the time was {$13000.00} and I only had {$10000.00} credit balance. Initially disputed charges as I did not make them. Did not hear from Capital One. Card was cancelled and they continue to charge me interest. Wrote to Capital One to see what status of dispute was. Did not hear from them. Received a letter from XXXX XXXX, XXXX a collection agency. They said Capital One had determined these were not fraudulent charges even though the circumstances themselves would indicate fraud. Wrote to collection company and spoke with XXXX on the phone. She had no details, but said they would let Capital One know I was still disputing the charges. I can send you a copy of the credit card statement showing the charges. Checked internet to see what " XXXX XXXX '' meant and it said XXXX was " Capital One XXXX XXXX XXXX Bank. XXXX I can't believe whoever was looking at my credit card account would not decline to make these payments because they were way over my credit limit, if for no other reason. I DID NOT AUTHORIZE THESE CHARGES AND HAVE NO IDEA WHO MADE THE PHONE CALL OR WHERE THE MONEY WENT TO. Please help.
Product: Credit card or prepaid card

Bought furniture from XXXXXXXX XXXX XXXX XXXX on XX/XX/2022 it was charged to an Ashley credit card, amount {$2200.00} when I call and told them I did not buy the furniture from Ashley 's, Synchrony bank closed that account, and opened another one, and transferred the balance to the new card, {$2200.00} We paid the new card off on XX/XX/2022 amount {$2200.00} the payment cleared my bank on XX/XX/2022, now I keep getting a bill for the amount of {$2200.00} that we have already paid off. I have been trying to get Synchrony bank to straighten this out for 5 months after numerus phone calls and paper work sent to the bank 3 times they still can't get it straightened out. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inquries XXXX XXXX  XXXX, XXXX  XX/XX/20 XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud
Product: Credit reporting

My bankruptcy was supposed to be removed XXXX of last year nd they will not remove it. I have asked numerous times but they have not removed it.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX OF XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) XXXX 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 reporting, credit repair services, or other personal consumer reports

I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter. XXXX XXXX XXXX. Account Details Original Creditor : XXXX University Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013 I never received validation of this debt through email, phone call, United States postal service or by any other means. Therefore I am asking for written validation from the company at this present time telling me this is indeed an account that belongs to me. There is a XXXX  balance therefore there is not any money owed. VALIDATION means to provide Legal PROOF of this truth and accuracy. At this time this debt has not been validated therefore according to Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. Please validate this debt or have it completely removed from my credit reports My next step will be hiring an attorney to pursue a civil action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.
Product: Checking or savings account

I want to link my bank account that i have with PNC bank to my XXXX XXXX stock account but it does not let me because the PNC bank refuse it.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXX/XX/XXXXXX/XX/year> Equifax