23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Have asked XXXX and XXXX to cancel any subscriptions delivery any information and delete any bank information my phone was used fraudulently to open this account with them want this canceled or will take legal action
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately, XXXX has already deleted these accounts and inquires off my report due to items being incorrect from the date breach I am asking XXXX and Experian to do the same as well. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts and negative inquires on my credit reports : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX The Following Negative Inquires : XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not have any open accounts with any of the following companies above or and on the dates listed above as well. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from XXXX. All Credit Reports by Law List the Same Accounts for All Reports to Accurate and If and When Something Is Proven to Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do the Same.
Product: Debt collection

I recently received my updated credit report and there is a Collection agency named Convergent Outsourcing on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Post the Equifax breach I tried on XX/XX/XXXX to reach out both online and phone to Equifax 3x for a freeze.  Both systems booted me or did now work.
Product: Credit reporting or other personal consumer reports

In accordance with the fail credit Reporting act XXXX XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, violated my rig

hts 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 oth

er adverse item of information, other than records of convictions of crimes which antedates the report by more than s even years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportin
g agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my Zales card was opened fraudulently. After contacting Zales and sending an FTC identity theft report, they closed the account but it remains in my credit report showing a closed card with balance.
Product: Debt collection

I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to XXXX and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact XXXX because they have filed legal action against me without providing me with any details. XXXX refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made. Glasser and Glasser agents refuse to return my calls or messages and refuse to offer a reasonable repayment option.
Product: Credit card

This account XXXX was resolved through a settlement agreement on XX/XX/year>, and the agreed payment was made in full to satisfy the balance. 

However, the charge-off continues to appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2018 To Whom It May Concern, The vehicle in question was purchased and ( Involuntary repossession ) in the state of XXXX. I dispute this claim, and it has been removed by XXXX and XXXX due to violation of my rights and F.C.R.A. law. I have contacted the creditor and the entity stated that the last Bureau should follow and remove this account as the other two have, because the account was settled ... this is a serious error, and I also contacted XXXX XXXX XXXX to be informed that they did not verify this account for you ... litigation will follow, if error is not corrected, and fabrications cease ...
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX with a loan ( Loan # XXXX ) from Pentagon Federal Credit Union. As is the law in NY State, I added the vehicle to my insurance policy for my other vehicle. The limits on this policy are in excess of both the State and Lender requirements for minimum coverage. In XXXX I noticed a {$1700.00} charge added to my loan principle. This was called " Add CPI ''. This was not GAP insurance that was previously purchased from PenFed. 

When I contacted them, they seemed to understand that this may be a mistake on their part, and asked me to upload the insurance card, which I did in XXXX. This card showed that the policy was in place before the car was driven off the lot. 

Two months passed and no adjustments were made. In XXXX I stated that this needs to be fixed, I am not comfortable to keep paying for something with interest that doesn't exist, I did however make a double payment in XXXX to keep the account current. As I stated, I had insurance, and still do with another carrier. From PenFed, the " Insurance '' provided for {$1700.00} is non existent. I wasn't sent a policy, ID card or any notice that any of this was being done without my knowledge and consent. 

This week, for the hundredth time, they called me and hung up. I called back and was given the run around again about this, that it wasn't their department. So in addition to the charges for insurance, they have been acting in a predatory way. 

To further point out that I have insurance and never needed or was required to buy insurance from this lender, I struck a deer in the XXXX XXXXXXXX XXXX. I submitted the claim to my insurance company, and they promptly did an estimate and made payment.
Product: Payday loan, title loan, or personal loan

I agreed to a settlement on  XXXX   XXXX  and made the last payment (  XXXX  ) on  XXXX   (  posted  XXXX  ). This should have closed my account. The next day, they debited me again for  XXXX  and did not respond to my message about this. I disputed with my bank, but I want these people out of my account now that I have fulfilled the settlement.
Product: Credit reporting

I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed.
Product: Credit reporting or other personal consumer reports

Hi I was the victim of a identity theft case. I actually got all of my information stolen. All of my personal information was stolen and sold on the XXXX XXXX. This happened XXXX, XXXX. I did not know this was going on until now which is XX/XX/XXXX. I had a terrible XXXX  years. Which I am trying to recover from. I do not know who used my personal information... but I suddenly decided to check my credit report and found all of this negative stuff in it. I did a credit freeze to my account. Made a FTC REPORT and contacted the companies to help me! 

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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I am a US XXXX Veteran with an XXXX service record and XXXX. I purchased a XXXX XXXX XXXX from XXXX with an auto loan from Capitol One Auto Loan on XX/XX/XXXX with a comprehensive/liability policy through XXXX. All payments were made on time as outlined in the contract. In XXXX of XXXX, the car was totaled by a semi truck when the semi swerved impacted the front of my vehicle. I submitted the claim to my insurance company ( subcontracted through XXXX ). XXXX XXXX denied the claim, stating they had canceled my policy due to non-payment. The last payment on the loan was XX/XX/XXXX with a balance due outstanding. 

FACTS : Insurance ( XXXX ) was procured and set up on auto-payments deducted directly from the same ( XXXX ) checking account. XXXX failed to notify me ( user ) of certain changes in 3rd Party insurance providers ( subcontractors ), used old contact information from nearly 5 years prior, and never notified the LOSS PAYEE ( Capitol One Auto Loan ) of the lapse which resulted from a breakdown in communication. XXXX did not notify anyone until the claim for the total loss was filed. 

The loan required the buyer to maintain a comprehensive insurance policy on the vehicle for the life of the loan. At no time was the alleged lack of insurance or alleged lapse of coverage reported, and at no time was I notified by the XXXX or Capitol One Auto Loan of the alleged lapse in insurance coverage. This is in violation of the contract and agreement by the lender. The lender ( Capitol One Auto Loan ) failed to report the lapse. With the lender listed as loss payee on the vehicle, it is the responsibility of the insurance carrier to automatically notify the lender of coverage and any changes therein, as is outlined in the agreement terms of the contract. XXXX failed to notify Capitol One Auto Loan of the lapse, and neither Capitol One Auto Loan nor XXXX notified myself ( user ) of the lapse until after the claim was filed. 

I am not financially capable of paying this loan. I can not afford an attorney and I am considering filing for Chapter XXXX.
Product: Credit card or prepaid card

Someone opened a fraudulent account using my identity, Ive made a complaint through the FTC federal trade commission!
Product: Debt collection

Letter dated XX/XX/2020 states I have a debt to PayPal, inc sent to XXXX XXXX XXXX, XXXX to collect. I logged into the site provided with the XXXX XXXX number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent PayPal account. I should not be responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} This is my follow-up to make sure the validity of the listed accounts is turned positive.
Product: Student loan

The status history I received from AidVantage clearly shows Forbearances on my account XXXX. These were forbearances forced upon me during periods of either unemployment or low-income. This is precisely what the AG Settlement with Navient is about. Per the Attorney General 's lawsuit against Navient, I should have been put on an income-driven plan. Somehow, Navient failed to provide accurate information about my loans to the AG and thus I have not received my due settlement. This must be corrected and updated immediately.
Product: Credit card

My Capitol One platinum secured account was closed to due to XXXX payments being returned. I had XXXX payments get returned by bank in the month of XXXX and XXXX of 2024. 

The first returned payment was for the amount of {$57.00} and this was because I had set the payment for a date that I was supposed to receive my paycheck but the check was late. 

As soon as i realized this, I paid it off immediately. 

The second payment I made was to pay of my balance and I did not change my bank info on the app and used the wrong debit card. 

It said it went through and I had a positive balance, so i used the card. About XXXX XXXX later i got a email saying my payment was returned. 

As soon as i got this email i paid the XXXX XXXX immediately with my new bank account. The payment did go through and my balance is at XXXX. 

But they still closed my account because of this. I paid off my entire balance and this really hurts my credit score which I am trying to build. These were honest mistakes that I took care of immediately! 

i really would like my account back. i have tried to apply for another account and can not get approved
Product: Credit reporting

I was an ID theft victim in XX/XX/2007, and when it happened I notified all three credit bureaus who in turn assigned me a security freeze password that can be used to lift the freeze at my discretion. I moved from that state to another, and that 's when the problem started. When I put a change of address, I mailed all three credit agencies my updated driver license, a billing statement with my address, a copy of my social security card and the original police report of the ID theft incident. XXXX XXXX and Experian both immediately updated my records to reflect my new address ; Equifax did not. Instead they incorrectly inputted XXXX of my old addresses, but I did not XXXX this until several months later when I needed to lift my security freeze. It would not allow me to do it stating my information did not match their records. 
XXXX attempts to clear this up by contacting Equifax and nearly XXXX years has past, yet I 'm still arguing with Equifax. When I call I get transferred over seas, back to XXXX, back to overseas until I get so mad I hang up. I 've faxed them written requests XXXX times. They responded once by telling me they ca n't help me until I mail them proof of who I am which I had already done. They did respond and correct my address, but then once again when I attempted to lift the freeze, the recording said my information did not match their records. Last month they mailed me XXXX letters, neither of which addressed my original complaint which is by Oregon law, I 'm entitled to transfer my security freeze to another state, yet Equifax tells me I no longer qualify. My last letter stated to them that if they did n't get this fixed, I would file a complaint against them. They have not fixed it, and last month I needed tires. My tire shop uses Equifax exclusively so I could not apply for credit to get tires. I 'm not driving until I can get tires as Equifax has me held XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XX/XX/XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.
Product: Credit card or prepaid card

After more than 10 years as a great customer, always paying on time more than the minimal payment, I had to put 2 of my Chase credit cards on Consolidated Debt, because the pandemic ( NY has had the worst ). Still, I kept paying the other 2 Chase cards, always on time, more than the requested minimum amount. 
Suddenly, last XX/XX/2020 while I was ready to pay for my groceries at the supermarket, my Chase cards were rejected. It was only a {$18.00} purchase. I was shocked XXXX groceries wasted, as nobody touches anything these days. Very sad, with so much hunger around ). 
I run home to realize Chase had canceled those 2 cards, without any warning. I called them 3 times, no professional answer. I emailed them, and only 3 days later they called me back, saying my cards were canceled because I was a " delinquent ''. I am still speechless : 1 ) Since when, a " Consolidated Debt '' is an illegal process? I am using a legit procedure, and paying on time to that company, so they pay Chase. 
2 ) The cards Chase decided to cancel : I have had them for many years, and never ever was late on payments, always doing more than the minimum.

3 ) How come they took such decision without considering my history, and giving me the chance to defense myself?

4 ) How dare Chase to call me a " delinquent ''? They are damaging my credit and reputation.

This is unacceptable, disrespectful and outrageous.
Product: Credit reporting or other personal consumer reports

The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes reporting this account inaccurate! By Definition, the IRS clearly says a Cancelled debt or charge-off is Income. The account number XXXX has been charged off, but XXXX is still reporting this earned income on the consumer report. Discover has not sent a 1099c for the charged-off amount either.
Product: Mortgage

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification of a 30 day late payment on my credit report. I helped out my daughter with getting a car, and I co-signed for her, and she was 30 days late. My issue is the company took XXXX points off of my credit for a 30 day late. This is beyond crazy, and overexert authority of this company. I understand XXXX maybe XXXX points for my daughter not paying on time, but almost XXXX points. I strongly disagree.
Product: Debt collection

Midland Financial Services has harassed me for years and went ahead and placed a Derogatory mark on my credit. I disputed this issue with the Actual Credit Card company who investigated the issue and they confirmed it was a fraud and reported it to Midland. Midland does not care and still writes. Send me letters. Calls and harasses to try to force me to pay. 

I have sent them the finding from XXXX XXXX and they still don't stop or care to stop. 

I need this issue resolved so I can refinance and get my finances situated.
Product: Debt collection

I was contacted by someone claiming they had legal documents that were returned to them using my current address. She said to contact the attorney at XXXX using case XXXX XXXXXXXX regarding a civil lawsuit. 
Upon calling this number, I spoke with the " attorney, '' who claimed I was being sued for {$13000.00} for a Citibank Credit Card allegedly opened in XXXX. The settlement she offered was {$1800.00}. When I pressed for more information, such as the principle balance and other details -- seemingly amused, she laughed and scoffed. I questioned her about what was funny, and she sarcastically stated she was trying to help but was not forthcoming about any details. 
I did not open a Citibank visa in XXXX, and the address she provided at the time the account was opened was an old address from which I moved in XXXX. I mentioned I do not know such an account. I enjoy exceptional status with my current and up-to-date relationship with Citibank. I doubt I would be approved and issued the credit card I have with them if I was in arrears with them. Further, it is bothersome that they have personal information, including SS #, address, and phone #, attached to this false claim -- which has never been on my credit report and is XXXX XXXX XXXX. 
Further, she claimed and was implying that they would continue action against me if I did not settle this debt. 
This episode is not the first time a collector has attempted such an action. Looking at previous claims in my history, you will see that three different law firms have tried the same tactics for Citibank. 
XXXX, XXXX, and XXXX is the name of the current firm.
Product: Credit card or prepaid card

On XX/XX/XXXX, Citi bank closed my credit account without reasons. I have called the Citi Bank several times about the annual fee charged to my account. All representatives said the annual feel would be refunded. However, Citi bank did not refund me the annual fee as of today, XX/XX/2022.
Product: Credit reporting

I have dispute this bankruptcy as many as 4 times, and equifax continues to state they have verify that this was a discharged bankruptcy.Actually the bankruptcy was closed/dismissed. 
So it apears equifax is not actually verifying the consumers requested, i have logged on the bankruptcy courts website myself, all this information is available to the public and it shows that the bankrupcy was dismissed and closed.I have attached the actually documents available from that website for verficaation of how simple it is to verify this, which i thinks proves equifax does not actually try to verify this information.I have just filed my 5th dispute today for this bankruptcy, and i think i am going to need help from a consumer agency to actually get equifax to actually do thier job. New dispute number for my 5th dispute is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Three bureaus it is showing that XXXX XXXX is closed and charged off for the amount of XXXX. When I have a letter form XXXX on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.