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

I applied for FAFSA and was awarded federal pell grant at the time which was valued just about XXXX usd taking 2 to 3 classes at the time. There was even excess amount which the school credited to me. When I graduated, I got reports on my credit couple of years later about owing loans. There was another student who carried the same initials and name as me but only thing that was different was our middle names. There is no way I owe the reported loans because I did not use any loans for school. Wrong identification .Last federal loan paid off was through XXXX XXXX and i have a letter from the US DEPARTMENT OF EDUCATION with payment complete.
Product: Debt collection

XXXX XXXX card services bought my XXXX XXXX account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update EXPERIAN, nor will Experian follow suit with the correct information being reported to XXXX and XXXX. I have disputed through Experian and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to Experian and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from Experian, and they continue to harass me with phone calls despite my communication via Experian ( disputes ) that the debt was discharged.  Furthermore, I informed Experian that XXXX and XXXX had the same account information reporting correctly, but Experian refuses to follow suit. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do 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. I have contacted the FTC and local police.
Product: Debt collection

On XX/XX/2017, I received an alert that a collection has been placed on my XXXX credit report by Receivables Performance in reference to a XXXX account. I tried contacting Receivables Performance directly to inform them that this account is fraudulent, and that I had this issue once before with another collection about the same account. The first representative hung the phone up in my face. The second call I asked to speak with a manager, I was placed on hold and the phone disconnected. The third call, I inform the receptionist that I need to speak with someone, she told me she could not help me, and transferred my call. Once again I could not speak with a live person about this account. I have made six attempts via telephone and was unsuccessful each attempt. I have never heard or had any communication with Receivables Performance. This is the second time a collection company has put fraudulent, inaccurate, and non-validated information on my credit report. I have all the documentation from the previous collection company, and XXXX clearly stating the account is fraudulent. Please remove this account from my experian credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting unverified public records and not giving information where exactly did they receive source of information, actual person spoken with, name and address signed under penalty of perjury, in direct violation of FCRA, state and federal laws.
Product: Debt collection

I received a letter from XXXX XXXX XXXX  the end of XX/XX/XXXX about a check cashed at a XXXX in XXXX TX on XX/XX/XXXX. I wrote back and sent the first letter Ceritfied Return receipt mail, I have received the proof they got the letter on XX/XX/XXXX and they sent back a collection letter with a copy of a receipt from the XXXX and some forms I refuse to fill out as they have no right to that information and have not shown proof this is my debt and there is no way in XXXX or Earth that it could be. The signature was a squiggle and unreadable, there was nothing else that showed a name, address, or any identifiable information on the copy they sent and no proof that it could have been mine. I also was in Indiana on that very same date at work, I do not even have a checking account, and I have witnesses that can prove I was nowhere near Texas. I sent a reply and I again asked them to stop all contact, as this was definitely not mine and told them why. But they sent more collection letters, so I sent two more dispute and stop letters to them XX/XX/XXXX telling them why it couldn't be mine again. I have received one of the two return receipts back on XX/XX/XXXX signed as received on XX/XX/XXXX. I have now received another letter on XX/XX/XXXX stating they will not investigate or acknowledge it is disputed unless I send them my banking information and file an Identity theft form with them, that asks for a lot of personally identifying information. I will not send any of this, as they have not shown me how they came to think this is my debt, they have not shown how they verified this, and I do not have banking information for a checking account to send them anyway. TRS is ignoring the cease and desist dispute letters, and refusing to send the proof that they have verified this is my debt. I want them stopped and this cleared up and to make sure they don't attach a debt that is not mine to my credit report. I have seen too many complaints on TRS about them misusing the information sent to them also, and I do not want to take that chance, and since they are not following the law I definitely do not trust them.
Product: Credit card

The creditor, Bank of America, has reported a late payment on my XXXX, XXXX and XXXX credit reports. In accordance with the Fair Credit Reporting Act this creditor is violating my rights under 15 USC 1681 section 602, which states that I have a right to privacy. 15 USC 1681 section604 ( a ) states that a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b, " a creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose. '' I demand that the late payment be immeditely updated to PAANL ( pays as agreed, never late ) and OK, according to the U.S. laws.
Product: Credit reporting or other personal consumer reports

I want to clarify my first and last name, my current address and my full- time XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Recently I looked at copy of my credit report and noticed several inaccuracies in my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to endurance accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX TransUnion : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing this matter with Capital one, I have sent numerous letters to settle this debt with them. Due to the pandemic, I have heard anything back from them now I received a letter from a third-party collection agency that brought the debt. I only going to deal with capital one on this matter with no third parties for I have tried much time to settle with capital one before it was sold to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to all the credit reporting bureaus about a XXXX XXXX XXXX XXXX XXXX that's been opened in my name and used apparently and I explained multiple times that I have been a victim of identity theft and that there has been many attempts to use my information for loans and credit numerous of times and that I never authorized a credit card account or any loans to be made in my name and now my credit score has been fraudulently decreased after all the time and hard work of getting my credit score to were it needs to be and now I'm suffering from fraudulent account on my credit score and having to take all these steps to try to fix this problem I don't have no credit card with XXXX XXXX XXXX  and haven't tried to open a account with them so please help me get this took care of and get my credit score back to were it was before this mistake or before the identity of mine was stolen please
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Product: Credit card

I received a call from Chase that someone was trying to open a new XXXX card using my information as the primary cardholder. The person had my personal information including name, address, phone number and SS #. I dont know this person and the application was denied. The name and phone number given was XXXX XXXX, XXXX of XXXX, FL. The application was submitted on XX/XX/year>. It was recommended to me that I file a complaint with CFPB. The cancellation number given to me is XXXX.
Product: Credit card or prepaid card

XX/XX/23 Attempted to make a phone payment while in the hospital. 
The first digit of the account number was not recorded properly and the payment did not go through. After a number of phone calls with Mastercard. I thought the issue was resolved. 
However, again in XXXX the same error occurred and my account was closed. 
After another series of phone calls Mastercard admitted there was an error and reinstated my account issuing new card with the same account number and an apology. 
On XX/XX/XXXX made my usual phone payment and followed up with my bank in order to ensure that the payment actually went through. After 2 days, when the payment had still not been debited I called Mastercard on XXXX and notified the representative that the payment might have been misapplied again. The representative assured me that she saw that the payment was made. I insisted that I felt there was a problem and, just to be certain that I didn't miss a payment, I had her take a new payment for a slightly different amount so as to be able to track it. That payment was properly debited within 2 days. 
On XX/XX/XXXX I received notice that the first payment had not gone through and my account had been closed again. I called and spent almost 2 hours on the phone with 2 different representatives ( XXXX in California and XXXX in Florida ) and was informed that there was no way that my account could be reopened. They admitted that it was likely that the automatic phone payment system still had the wrong account number but now I would have to reapply for a new account and I no longer qualified. This in spite of the fact that my account had been quickly reopened with an apology less than a month earlier. In addition I fear that my credit rating has now been negatively affected.
Product: Debt collection

Ability Recovery Services reported to XXXX XXXX ( " CK '' ) on XX/XX/2021, I realized the info from an email alert from XXXX. Ability also reports that I opened an account on XX/XX/2021. This info is false. I never opened an account with this company. There is no contact info on XXXX XXXX  website to request validation. This inquiry was not on my credit report last month.
Product: Money transfer, virtual currency, or money service

I discovered a scam which affected my direct deposit information at my employer. Received an email from XXXX on my work email, notifying me that my direct deposit information had been updated. I check my XXXX account notice that a secondary bank account ( Bank acct # XXXX, Rounting # XXXX and changes were made from IP Address ) was added and said that 95 % of my net pay would be deposited and whatever was remaining would go to my personal bank account. I contacted my employers HR dept and immediately made chances to delete that unknown account so that when I got paid all funds would go to my personal bank account. I discovered that the Routing # for the fake account belongs to The XXXXXXXX XXXX I tried to contact them at phone number XXXX ( address in XXXX, DE ) but was told that the account belongs to PayPal Cash Plus and would have to contact them, that they only provided cards to PayPal. I contact PayPal Cash Plus ( phone number XXXX ) and was given the run around, placed on hold for 30 minutes+ and even hung up on until I spoke with XXXX XXXX some customer complaint department and she informed me that she is unable to pull an account without an email and that the account is linked to a Direct Deposit account and theres nothing they can do but " investigate ''. SHe would not give any details as to whom the account belongs too or anything. I asked for details of this investigation and if I can be informed of the process and they said no. I've had all my devices searched for viruses and malware, including my phone and it all came back clean.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I went to the emergency room for treatment. The billing went to the VA for payment. The VA didn't pay and I didn't have the funds to pay so the bill went to collection. 

Then on XX/XX/XXXX I received a letter from the VA that said the reason they didn't pay was a mistake and after a court case was filed and as a result the statute, 38 U.S.C. 1725, determined the VA was in error and so the VA said resubmit the claim. 

I've included a copy of this letter. When I contacted the hospital they said since the debt was so old they already wrote it off and sold the debt to the collection agency. 

After attempts to get the agency to remove the debt from my credit report they still haven't done anything to remove the debt ( s ).
Product: Bank account or service

Citi Identity Monitor service was being discontinued on XXXX XXXX 2015 and that once the program was terminated, I was been charged a fee for a years.! and didnt aproved or sign on any agreemment.! Citibank charged my credit cards for long time and NOBODY want to be responsible for this bad ilegal practices..!. In addition, I didnt see Citi Identity Monitor working on my credit cards & gt ;?? please I need any professional help to address this issue with them..! I called 4 times and they dont care about that.! Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Debt collection

On XX/XX/2019, my mother passed away. After probate was over and they put part of her house in my name, I got mail claiming I owed money to this company or that company. My siblings put mom 's house up for sale and we got a buyer. Just before closing they informed me I owed over 22 thousand dollars for two judgements. The first judgement was for a little over 5 thousand and the second one is for a little over 3 grand. but these two debt collectors claim now I owe over 13 thousand on the first one and over 8 thousand on the second one. This is impossible and quite outrageous and defiantly fraudulent. I will try to upload the original judgements.I tried to contact the agencies the one for over 13 thousand would not answer the phone and the second one I talked to but they refused to budge on the amount. This is so not right and completely unconstitutional. 
Thank you for your help in this matter, XXXX XXXX Also, XXXX XXXX stated that they served me but I was not served, they described someone about XXXX XXXX XXXX with brown hair. That's funny since I live alone and I am over XXXX with XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I received a check in the mail during the XXXX  crisis and was already encountering a major loss so I thought I would be able to pay in a timely manner. I wasnt able to pay in a timely manner due to me having a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was major XXXX  and when I finally was able to go back to work. I called to settle account or possibly set up payment arrangement because I dont want anything to happen and my love ones are left with my debt. When I called to settle or inquire about payment arrangement, I was transferred to a XXXX who literally had me crying over the phone ; she threatened to have me locked in jail for getting a loan that I couldnt pay back. She called me a criminal and I have never in my life done anything criminally ; not even a speeding violation. I tried to talk and explain my condition but she showed no empathy and told me that they will not settle and would only offer me until the end of the month to pay the full amount or that they will take me to the court. XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; in which I had sXXXX XXXX XXXX. After this call, my XXXX got worse and XXXX finally able to write about the XXXX  I encountered with this company. This company used predatory practices to target consumers when they needed assistance during XXXX XXXX  ; charging ridiculous interest rates.
Product: Money transfer, virtual currency, or money service

Retained Paysafe Merchant services on XX/XX/2020 to handle payment processing for my company. On XXXX 2020 and XX/XX/2020 my company processed 4 business transactions, on XX/XX/2020 I was informed by their Risk Department that I needed to provide 3 months bank statements, proof that the customer authorized the charges, and Invoices. I sent the documents that were requested and contacted directly Ms. XXXX XXXX Operational Risk Analyst and advised everything was fine only to be advised the next day that my account was being closed due to inconsistences which she refused to provide information on sayting she does not have to disclose the information, I then got the sales rep on the line with us and she additionally was very rude and unprofessional to her colleague as well holding the same position even after being informed that my company had checked out as well as the company banking account. I also received a called from her supervisor XXXX who was even more unprofessional and refused to put me in contact with her supervisor. Their actions as well as the company has caused my company financial harm by causing me and requiring my company to issue a refund to the client and refusing me services that were promised via agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report under the 3 major reporting companies, for example XXXX XXXX, I noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a XXXX XXXX from XXXX  until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My ex wife filed a Chapter XXXX in XXXX of this year just before the XXXX XXXX was discharged but that had nothing to do with me or my XXXX XXXX per my attorney and the bankruptcy trustee since the XXXX XXXX was separated between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX RE : Equifax Confirmation # XXXX XXXX Confirmation # XXXX Confirmation # XXXX Subject : Account # - XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 16811 ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at all the addresses listed above. 

Thank you, Sincerely XXXX XXXX
Product: Debt collection

The debt arrived from security cameras that were in a restaurant that I owned I sold the restaurant the loan was to be paid by the new owners. I had no idea the debt was not being paid this was in XXXX and I heard nothing from the creditor until XX/XX/XXXX when I was being threatened with suing me Over the debt and they placed the collection on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

XXXX