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

I'm requesting a line by line reinvestigation of all of my accounts. I don't see how you could have missed the fact that these accounts are both open and closed. How can that be possible, and because of this oversight, I want these accounts deleted asap. As you know In Accordance With the Fair Credit Reporting act. These accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX  XXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX XXXX Incorrect names : XXXX A XXXX, and XXXX XXXX. Incorrect phone numbers : ( XXXX ) XXXX, and ( XXXX ) XXXX. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C. 1681a-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. These accounts are inaccurate and must be deleted.
Product: Credit card or prepaid card

A credit card was opened in my name in XXXX and I did not find out about this until XXXX of XXXX when I ran a credit report and noticed a {$1900.00} credit card account under capital one. Ive called the company and filled a report, but I read online that I should also file one on here. I am a young woman who just XXXXXXXX from XXXX and I didnt know that I should be checking my credit report so regularly.
Product: Credit card

In XX/XX/2023, I opened an Amex XXXX card based on a promotion offering XXXX points for spending {$8000.00} within six months. I confirmed the promotion 's application with an Amex chat representative named XXXX in XXXX, and she assured me it was being applied. Despite fulfilling the spending requirement, I have not received the promised XXXX Amex points.
Product: Debt collection

Company : Security Credit Services Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 Security Credit Services trying to collect on a debt I Do Not owe. I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. I only notice because it showed on my Credit Report. I have never heard of or know of Security Credit Services or the company affiliated with them such as XXXX and XXXX. Around XX/XX/2018 I was notified that Security Credit Services had reported on my credit reports and the original creditor was XXXX. I received a collection letter from XXXX showing XXXX XXXX XXXX as a Ceditor and claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. Security Credit Services and/ or XXXX XXXX, XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX , XXXX, Security Credit Services, and XXXX with the Federal Trade Commission. 

Note : An attempt to contact Social Security Service by phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.
Product: Vehicle loan or lease

Lease a XXXX XXXX XXXX in XXXX of XXXX file for bankruptcy in XXXX. I never put car in my bankruptcy but credit acceptance put themselves in my bankruptcy.I didn't find this out until 2 years later I was still paying the car note on time every month when I was trying to trade car in I was told that I was gon na be upside down the loan. So, I reached out to credit acceptance and was told to surrender the vehicle and that I wouldn't owe them anything. My lawyer never agreed on the affirmation agreement of the loan. They continue to let me make payments on something that's was paid off on bankruptcy I didn't know about. They also messed my credit up and I had to dispute the repossession off my credit report cause I surrender the vehicle after I was told to do so without owning them anything
Product: Debt collection

I was offered a credit card over the phone about 10 years ago by Discover Card for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.
Product: Credit reporting or other personal consumer reports

I have identified a debt reported by XXXX XXXX that I believe is the result of identity theft. Below are the details : Company Name : Appliance Warehouse Account ID : XXXX Original Balance : {$270.00} Last Paid Creditor : XXXX XXXX XXXX Account Status : Reported as due, but this debt does not belong to me. 
I did not authorize or enter into any agreement with XXXX XXXX for leasing or purchasing any equipment. The reported debt is inaccurate and does not reflect any transactions or responsibilities I have had with this company. The account has been reported under my name, but I did not receive any equipment nor did I make any payments related to this debt. 

I have already reported this matter to the relevant authorities, as I suspect identity theft, and I have disputed the debt with the company. However, the debt continues to be reported inaccurately on my credit file. I request a full accounting of this debt, including any supporting documentation, and an investigation into the validity of this account.
Product: Credit reporting

Since XXXX XXXX, 2014. I have tried to have several accounts that were placed in my name fraudulently removed from my Equifax Credit File. I have filed a Fraud Affidavit packet and sent it to them as well as a police report that was taken by an officer and my local police station and it is no use- they continue to report the fraud on my credit. I am growing very frustrated at this point because I feel like the only option I have is the file a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX   XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXXXXXX was reported on my equifax Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is unable to verify bankruptcy by providing who at the court verified the information. Name of the person and date and time it was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

It began months ago when I began the journey to pay off all my debts and rebuild my credit. I had a total of XXXX debts on my credit I paid XXXX of them but when it came to the last one I had difficulties finding who owned the debt. I contacted the original creditor XXXX XXXX on XX/XX/year> and I was told that I have no debt with them. So I then filed a dispute with the credit bureau, so I could find out how to pay the debt, and have it removed from my credit. The results of the dispute gave me the name of the debt collection company called XXXX XXXX XXXX. So I contacted XXXX XXXX management on XX/XX/year>, and they said that the debt was now owned by a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX. and I needed to speak to a specific person by the name of XXXX at extension XXXX, her direct line is XXXX. I called her for XXXX weeks and she never returned my calls or responded to my messages. I called back today XX/XX/XXXX I spoke to XXXX I asked her If she could email me something in writing pertaining to the debt she said no, and then she proceeded to tell me that they took me to court and the judge granted a judgment against me that allows them to seize my bank account. I tried explaining to her that this is not my debt nor have I had any action taken against me on my bank account, and I think they have me confused with someone else. She proceeded to tell me that they have mailed me notices several times I explained to her I have never received anything about this debt nor do I know what it is. I even asked her what address was she sending these notices and she refused to tell me. The lady laughed at me and hung up the phone in my face. So at this point I still have no resolve after spending almost 3 months trying to resolve this debt, or simply find out what the debt is. I'm frustrated because I have nothing negative on my credit other than this debt. I need help getting this removed from my credit report. Thanks
Product: Student loan

I took out four XXXX XXXX XXXX  at the same time to finance my graduate school education. I have been paying on those loans consecutively since XXXX, first through XXXX XXXX and now through XXXX  XXXX ( U.S. gov. ). Since I am a XXXX   at a XXXX XXXX, I always planned on applying for the Public Service Loan Forgiveness program. I have now applied for that program, but XXXX XXXX says many payments for the first two loans were under a standard payment plan for 2 years and those payments are not qualified for PSLF. So, I now have two loans eligible for forgiveness in XXXX and the two ( larger loans ) not eligible until XXXX. This means I can not take advantage of the XXXX XXXX XXXX XXXX at my university. I will be well into my XXXX when my loans are forgiven. I do not believe I should be punished for making LARGER payments, under a standard repayment plan for two years. Nobody at XXXX XXXX offered any counseling saying that type of repayment plan would be disqualifying for PSLF. This whole program is very misleading.
Product: Debt collection

MY COMPLAINT IS ABOUT XXXXANCE AND HUFFMAN I DID A COMPALIN ALREADY BUT THE CFPB FAILED TO PROTECT ME BECAUSE VANCE AND HUFFMAN VIOLATE MY RIGHT AND DAMAGED MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I have filed online disputes with Equifax 5 times for the same incorrect collection account.The debt is from a debt collector by the name of XXXX XXXX, a man claiming to be an attorney in AL, though I cant find any evidence of him on the State of XXXX XXXX XXXX page. He has no license. 
I sent a certified letter to XXXX XXXX XXXX XXXX how the charge in incorrect. The signature for the certified letter was returned without the required signature. Im assuming he refused to sign. There are literally hundreds of complaints on this man in the XXXX XXXX XXXX. He is unprofessional and I cant get a hold of him to address the error. 
I have filed the dispute with Equifax multiple times, each time with more documentation. Incuded was a bill which proves they gave me a credit for equipment return and then added the charges back. I then found the return receipt from XX/XX/XXXX from XXXX from when I returned the equipment at their storefront. The credit reporting company Equifax still refuse to remove it. Equifax needs to erase this inaccuracy from my credit report. Ive called the Equifax consumer line at XXXX however it s a recording that is stuck on a loop. The times I've called in before, they've given different stories such as account number was redacted so I sent updated copy, anothe rite they said no documents were attached so I resubmitted. The story changes every time I speak with them. 

These are the dates and file numbers of my multiple dispute attempts. 

XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. I want these items Deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report 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. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXX  ACCOUNT NAME : XXXX LA ACCOUNT NUMBER:XXXX
Product: Debt collection

15 USC 1691c 15 USC 1692k 15 USC 1642 15 USC 1681m 12 CFR 1002 15 USC 1692B Account was paid in full by insurance company My client is requesting that account to be deleted and remove all charge off in his consumer reporting agencies Under the laws of XXXX  XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following XXXX  : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit reporting or other personal consumer reports

This Company placed a collection on my account that resulted from identity theft. 

I wrote to this company and let them know that I was incarcerated and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA While trying to fix this myself I found out a company purchased my info and had been using it for years since the XXXX XXXX XXXX.
Product: Credit card

On XXXX XXXX 2024 my Chase Sapphire Card was used without my authorization for XXXX. It was used at a vendor I don't recognize. that same day I called chase and disputed the charge. On XX/XX/XXXX they sent me a letter stating that I received the services which I haven't since I don't even know what services they were for. I call the number that shows up on the statement for the vendor and they told me it was a reservation service for hotels. I didn't make any reservations with them.
Product: Debt collection

Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I had a phone plan with XXXX  and after experiencing service interruptions due to device malfunctions I ordered an exchange, After I received my exchange. 

XXXX had emailed me a return label since the one with the exchange was missing one Dated : XX/XX/2022 Tracking Number : XXXX Return Order Number : XXXX Carrier : XXXX You can find that Return Device was delivered to XXXX  on XX/XX/2022 as it shows in delivery confirmation from XXXX. 

I contacted XXXX through customer service number and every time I get a different story device was found in our warehouse or you will need to wait 7-10 business days to get your account to XXXX. 

So, I think XXXX has sold my debt to AMSHER COLLECTIONS. 
Which I disputed with the same proof but didn't get a response from them yet.
Product: Credit reporting or other personal consumer reports

Received alert on creditwise that someone had been using my SS #. 
Name shown was : XXXX XXXX XXXX There were XXXX alerts
Product: Mortgage

We applied via telephone for the Covid19 forbearance in XXXX. This short call confirmed our grace period and nothing more. When I called XX/XX/XXXX to discuss tacking the 3-month forbearance to the end of our loan and begin repayment, I was told we did not qualify for the program because we had a missed payment. In XXXX, we paid {$2000.00} to catch up on our mortgage as a combined XXXX and XXXX payment. We were unaware that XXXX would not be covered under the forbearance program when we applied and were accepted XX/XX/XXXX. In fact, we weren't told until I called Wells Fargo to discuss the payment on XX/XX/XXXX. Please see the letter dated XX/XX/XXXX that makes no mention of this to us. Today, this leaves us in a very precarious position, one that makes the situation so much worse. We must now undergo a complicated process of modifying the loan based on income. There are no assurances we will be approved either. The only other alternative is to pay more an additional {$700.00} each month for six months until we are caught up, though we are not on our feet yet. Wells Fargo should have notified us upon our initial application that we would not qualify for easy repayment without the XXXX payment. We would have paid that amount before accepting the forbearance or else not participated in this at all. This is now XXXX and our payment is due. We still have no remedy and we owe {$3700.00} with no idea how to repay a debt that grows. I feel like we were tricked into a position that makes it entirely possible for us to lose our home. I am sure we are not alone. 

Note : I have attached copies of our mortgage, the XXXX letter and a screenshot of my email showing that were received no advance disclosure from Wells Fargo prior to accepting these terms.
Product: Checking or savings account

On XX/XX/XXXX, my wife sent me {$350.00} through XXXX from her XXXX XXXX account. Usually I get it a few seconds later but in this occasion nothing. The money came out of her account and the status shows sent. I wait a couple of hours and wrote to USAA and was told systems were down and it would post that day. Couple of hours later I see the payment is added the reversed out of my account. I speak to USAA again and told that they did not send the money back, it was pulled by XXXX and have my wife contact her bank. XXXX XXXX   confirms that the money was sent and received by USAA ; they did not pull back the money. I contacted USAA again and was first told that they cant do anything and they cant see the reason why it was reversed and it was probably an error or pulled from XXXX XXXX but then I told them her bank confirmed they did not reverse it, the USAA rep gave me another excuse saying they are experiencing system issues. That is how I know they are lying and now I dont have my {$350.00} in my account and it definitely isnt in my wifes. This is called stealing because it just disappeared. No notification or supposed knowledge from my bank on its whereabouts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  Thank you!