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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$390.00} XXXX CARD XX/XX/XXXX
Product: Credit reporting

To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income in XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and Experian has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

tonight ( XX/XX/20 ) I called Equifax at XXXX to unfreeze my credit file. 
Since my credit is now unfrozen, I asked them about the status of the free credit monitoring services I was supposed to get as a result of the Equifax breach ( I choose that instead of money ). 
The 1st person ( who unfroze my credit ) didn't even know Equifax had ever been hacked. The supervisor he sent me to, tried to sell me a policy for {$13.00} and when I tried to explain that I was inquiring about the FREE service that was promised to me because my credit was accessed during the breach, he said that was handled by a Court Administrator and Equifax knew nothing about it!! I then was sent to another supervisor who said his name was XXXX ( and wouldn't give me more than that because he claimed it was Equifax 's security policy ). He told me the same thing the other supervisor did ( it sounded like the same person ). He told me to call XXXX XXXX XXXX or XXXX. XXXX. 

WHY am I getting a run around from Equifax now that my credit is unfrozen, and how can I find out what protection I have in the form of the free premier credit monitoring package I was promised after my information was compromised during the breach. What on earth are they doing over there!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lowered my credit by almost 70 points for a credit check I never authorized from the XXXX Bank I do not bank with XXXX, and I never asked XXXX Bank to conduct a credit check with my credit. 

I contacted the XXXX bank about a few months ago, and some lady informed me that someone tried to apply for an XXXX Credit card on the XXXX website in my name. 

When I contacted Experian, and sent in all requested documents with a complaint form asking them to fix this problem and the credit application I never applied for. 
They asked me to send in a complaint form, copy of an existing bill with my name on it, copy of a government I.D., and a copy of the credit problem or error. 
Their version of fixing the problem was raising the FICO score by 2 points. 


They refuse to fix the problem, and I can not get through to anyone over the phone anymore. 

Experian has allowed an unauthored use of my credit report for a credit check I never asked for. They have not fixed the problem with the false use of credit or credit application is reported to them! 

I feel Experian obviously does not care about people. 

Most of all Experian refuses to divulge how they calculate FICO scores for people. 
I believe there is some kind of corrupt practice Experian is using against people!
Product: Credit reporting or other personal consumer reports

I sent a validation cease and desist letter to the Fair Collections & Out ( FCO ) company and to XXXX debt recovery company. About an inaccurate debt that is on my credit report. I have proof and a track record of payments being made and on-time. I have disputed on numerous occasions.
Product: Bank account or service

I fell victim to the housing crisis like many around 2008. At the time I was lost my job while simultaneously going through a divorce. I was forced to file bankruptcy. One of the debts discharged in my bankruptcy was a installment loan for a car that was stolen and later recovered. That installment loan was with my bank Navy Federal Credit Union. Once I filed and was discharged the bank cut off online communication. My accounts remain with a positive balance however my access is restricted as a penalty. I was told by the bank that the only way to restore my normal access was to repay the lost of the debt. The bank recovered the vehicle after the bankruptcy and sold the vehicle however, they are stating that not only will be required to pay the debt to gain the access that I previous had but I have to pay the full amount discharged and that the profits from the sale would not be credited. I have read the disclosures I was able to find from when I opened the account and there is no mention of limited or restricted access for discharged debts. Not only is my access restricted but another account for which I am only the secondary authorized user on is also restricted. From my understanding a creditor can not take action for a debt after the debt has been discharge in XXXX Bankruptcy Court. I find this practice discriminatory and a way to force consumers to pay a debt that has been discharged.
Product: Mortgage

Bank of America AGAIN ... .for the past year BOA has been either saying I did n't submit a payment ( when they credited MY payment to someone else 's account ) ... telling me they sold my mortgage ... then telling me did n't sell my mortgage .... telling me my payments were late ( when they were n't ) ... and the latest That I applied for some kind of LOAN. I have NOT applied for new loan ... modification or any other program Bank of America has. This is the continuation of the tactics they are using to confuse consumers or coral them into a program or loan that they did n't apply for.This bank needs to be made accountable. If they keep HARASSING me I am going to file a law suit for discrimination. ( age, race, gender )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED TO RECTIFY THE ISSUE WITH TRANSUNION. THEY ARE CURRENTLY REPORTING FALSE, INACCURATE, AND UNVERIFIABLE INFORMATION REGARDING A NEGATIVE ACCOUNT WITH FIN RECOVERY. I HAVE ATTEMPTED TO RESOLVE THIS ISSUE WITH THEM ON MORE THAN SEVERAL OCCASIONS, AND NO ACTION HAS TAKEN PLACE REGARDING THIS MATTER AND IT IS VERY CONCERNING TO ME. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY, I GREATLY APPRECIATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account XXXX account XXXX  XXXX, XXXX account XXXX XXXXXXXX, and Equifax account XXXX XXXXXXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that two late payments were erroneously reported for an account that I have always paid on time. As credit reporting agencies play a vital role in reflecting accurate consumer behavior, I ask that this matter be addressed promptly. 

For the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been late in making payments. I request that you investigate this situation and provide any evidence that these payments were made late. If you can not provide proof, I expect the information to be corrected immediately to reflect my accurate payment history. 

Thank you for your attention to this issue
Product: Credit card

In XX/XX/, I was approved for a Capital One credit card with a {$1000.00} limit and a {$200.00} bonus for spending {$500.00} within the first 90 days. I have not received the card. I was in the middle of relocating from XXXX XXXX XXXX and when I call Capital One they claim they cant use my phone number to verify me and ask for my id and I try uploading front and back but it is never good enough. Then they said they were emailing me a secure link to upload but never did. I need to change my address on the card and have it sent to me at my new XXXX address. I fear the card sent to XXXX being used without my permission since I cant get the card. Ive tried everything with capital one and have no issues with sending my id but I need card sent to where I moved and can give you a lease or something. Not having the card is cutting into my 90 days I have to get the bonus of {$200.00} and its depriving me of the bonus.
Product: Checking or savings account

On XX/XX/21 I sent a money transfer through XXXX XXXX from my bank of XXXX  debit card in the amount of XXXX to a scammer at XXXX. The scammer who impersonated my boss had me pay for a insurance payment and he promised to reimburse me in the morning. I saved the text messages from the scammer telling me he is the owner and I have all the instructions he gave me through text as evidence I was not the one at fault or knew of the situation. I have saved call records as well and my conversation is recorded on the XXXX line at work so my managers could retrieve that if necessary. Which the event started over the XXXX line at work then he contacted me on my personal cell phone to make the money transfer. I made the money transfer and the scammer kept asking for more money so after that happened I called my coworker to verify and she notified me of the scam and to stop communicating then report it. I immediately called XXXX XXXX at XXXX XX/XX/21 they said they cancelled the transaction sent my case to their fraud team and contact them in XXXX hours. Then I contacted the XXXX XXXX customer service to verify my refund status and they told me my reference number given wasn't valid because they neglected my case and deleted it. So I ended up reporting to my bank and police late about being scammed and needing assistance to get a refund. Then my bank took all my written evidence and saw the saved messages from he scammer and phone calls on my cell phone saved for evidence including police report. XXXX XXXX later and my bank is telling me my dispute was denied and I no longer qualify for a refund.
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to E Oscar verification Use of this number when applying electronically for your Direct Stafford Loans in XX/XX/XXXX, gave the application the same legal integrity as documents bearing an inked or wet signature. All pertinent information regarding the making and collection of your loans is contained in the Terms and Conditions and the Borrowers Rights and Responsibilities contained in your promissory note. Your federal student loans are governed by the Higher Education Act of 1965, as amended, and any applicable federal laws and regulations governing the Direct Loan Program.

As you mentioned my electronic signature is the one that brought my direct Stafford loans to life, which means I'm the original creditor ( 15 USC 1602g ). My electronic signature and my social security number is the ones that gave life to this loan nothing else as you mentioned. 42 USC 408 asking for social security number on any credit transaction or loans ( since there is no lawful money ) is considered a crime. So if I'm the original creditor, every loan and credit extension comes from my social security number. On the social security card, it used to say not for identification purposes a long time ago. 15 USC 1602 credit card means any card, Plate, coupon book, or other credit devices existing to obtain money, property, labor, or service of credit. So you must use your social to obtain a student loan, to buy a car, to get any utility services, telecommunication services. So basically XXXX took my credit since I'm the original creditor and made it Nelnets credit. Basically switching me into a debtor and asking me to pay monthly payments plus interest on a loan that I was the original Creditor. So Nelnet is Lying and committing Identity Fraud. Taking someones social and putting a lien against it then taking the lien which is evidence of interest in the property and sold it on the stock market.

12 USC 1431 clearly states that banks cant loan you money since they are the borrower, banks are considered dead entities hence corporation ( corps ). someone alive has to be the one who can credit. So Federal student aidXXXX XXXX XXXX XXXX can not loan me ANYTHING. 
So Nelnet is Using my identity and saying that I owe them money when in reality they owe me everything. Nelnet is taking my credit and then charging me a finance charge to do the paperwork equal to the credit that was extended. Just show me the paperwork for this if you are not committing Identity Fraud.

Since we established that Im the original creditor, ( 15 USC 1602g ) Let the credit bureaus know that you have used my identity to accuse me as a debtor falsely, let them know that you have committed identity Fraud, and mark my student loans as paid as agreed and return all my money with interest back to my account plus an additional {$10000.00} for all the emotional pain and suffering that you have caused me for the past 12 years. 

Routing number : XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

State Collection Service , Inc . 
XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX Re : XXXX XXXX XXXX State Collection Service , Inc. letter of XX/XX/2019 Account XXXX On a letter dated XX/XX/2019, State Collection Service , Inc. state that they are charged with collecting {$140.00} on behalf of XXXX XXXX. I hereby dispute the validity of this claim. 

XXXX XXXX claims to have sent me some supplies for my XXXX XXXX. These supplies were not requested by me, and after following up with XXXX XXXX they realized that they had sent them to the wrong address. I have had a couple of conversations with XXXX about this charge, which I do not consider valid because I did not request the supplies, and because they were sent to an address unknown to me.
Product: Debt collection

Authorized representatives : XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of MRS BPO, L.L.C., are demanding {$290.00} with the intentions of damaging my credit files if not received in their version of a timely manner. 

Per the XXXX XXXX XXXX MRS BPO , L.L.C., is a corrupt debt collection company whom refuses to provide authorized representatives when aiming to negotiate an alleged debt. 

Upon checking my credit report an unknown authorized representative of MRS BPO, L.L.C., flagged my credit files with unverified collection activity on XX/XX/2023 MRS BPO, L.L.C., decided not to honorably submit their demand for funds through the XXXX XXXX XXXX to allow me to properly dispute their claim of {$290.00} I did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX access to my social security number to damage my credit files. 

MRS BPO, L.L.C., are debt collectors demanding a debt on behalf of XXXX. I have not received goods or services from MRS BPO, L.L.C. 

I am formerly requesting XXXX  to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to MRS BPO, L.L.C., releasing my private information.

MRS BPO, L.L.C., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to MRS BPO, L.L.C., on behalf of XXXX  at the expense of my private information being on display to whomever. 

I am not a party to any agreements MRS BPO, L.L.C., may or may not have with XXXX  I am not responsible for MRS BPO, L.L.Cs purchase / transfer from XXXX. 

Present authentic contractual agreements proving MRS BPO, L.L.C., and I have agreed to honorably conduct business. I do not agree to pay/tender anything to MRS BPO, L.L.C., on behalf of XXXX. 

MRS BPO, L.L.C., are prime examples of debt collectors that abuse their authority in efforts to force consumers to pay debts that they have no first -hand knowledge of. 

I have contacted XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to MRS BPO, L.L.C.

MRS BPO, L.L.C., does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. 

MRS BPO, L.L.Cs reply outside of the CFPBs portal, must be delivered via the XXXX XXXX XXXX. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 

I have included all proof in the attachments.
Product: Credit reporting or other personal consumer reports

Transworld mgt. 
Account # : XXXX XXXX XXXX XXXX Account # : XXXX These Company is violating my rights According to the FCRA laws. I Request documents in my dispute. I didnt ask for the account to be verified I tried to Request multiple times to get documents so I can verify if the debt is mines. XXXX failed to send Documents following their Investigation. It is a violation of the FCRA laws ( u.s.c 15 1681s-2 ( A ) ( 1 ) ( A ) And ( B ) to report inaccurate information on my credit report. Delete/Remove Accounts immediately.
Product: Money transfer, virtual currency, or money service

I received a total of 5 fraudulent checks from 2 scammers, and contacted my bank regarding this matter. I spent a balance after depositing the first two checks, and already had a balance in my account, so I understand I need to pay the overdraft of my bank account. However, my bank placed a - {$880000.00} hold on my account because of these fraudulent checks and I am just trying to make sure that I will not be charged or arrested for depositing these fraudulent checks, and that my information will not be placed on XXXX which would prevent me from making a bank account in the future. While 3 of the 5 checks were in the process of being cashed, I submitted a cancellation of depositing those checks but they were not accepted, as the balance still showed up in my account.
Product: Debt collection

Debt was taken off my credit report and reinserted by a debt buyer whom Ive never done business with before.
Product: Credit card

Submitted a claim with my Wells Fargo credit card against merchant XXXX XXXX XXXX on XX/XX/XXXX for {$4800.00}. Went through the procedure according to their process and all was well up until XX/XX/XXXX when I responded to WF with additional information to which I was told the claim ( claim # : XXXX ) would be notated and someone would be in contact with me. I never received a call but received documentation in the mail XXXX, dated XX/XX/XXXX, that my claim had been denied because WF could not find where XXXX was in breach of contract based on the documentation XXXX had provided even though the contract XXXX had provided was not the contract I had signed and differed in multiple ways from the contract I had signed and provided to WF when I submitted my claim on XX/XX/XXXX. Since XXXX I have been calling into WF 's claims department to speak with someone to understand why the additional information I provided to them detailing the differences between contracts as well as additional information that supports my claim that XXXX is in fact in breach of contract and provided fraudulent documentation to WF was not reviewed and why I never received a call back to discuss. Each time I have called I have been told that the claim has been notated and I would receive a call back, usually within 10 business days, to which I have not. WF states the claim can not be reopened with Visa because we are past the 30 day window to respond, however my calls on XX/XX/XXXX, XXXX and XXXX were within that 30 day window and had WF contacted me like they said they would then WF would have been able to respond to XXXXXXXX XXXX counterclaim. WF mishandled my claim and their responsibility to call me back which I have been told by several of their own representatives in my attempts to speak with them to resolve the issue. I have a detailed timeline of my attempts to speak with WF, notes of the conversations, and phone records to back up this timeline and proof I never received a call back from WF. Every attempt I have made to get clarification from WF as to why I never received a call back, proof they tried to contact me to discuss the questions I have, and if my claim was handled properly has resulted in the same outcome-I am told it is not their responsibility to give me a call back to discuss questions I have and their mail correspondence answered my questions ( it did not, hence why I continued to call in ), they will not verify whether or not I received a call from them prior to XX/XX/XXXX when I escalated my claim to WF 's Executive Office , nor will they confirm my claim was handled properly and all information provided to them reviewed. I firmly believe that WF mishandled my claim and have continued to " bully '' me in an attempt for me to give up and let the situation go.