23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an existing/active Capital One Credit Card ; however, I noticed I have a debt collection on a previous Capital One credit card account. I would like such account to be closed and clear up my name. I made several attempts to dispute it in the past. Unfortunately, it is still there.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone opened a account in my name wasnt me I already explained this they talking bout it was me it never was me at all they having disbelief I already stated it was not me so I only can defend myself I was notified as of a piece of mail coming to my girlfriends address I notified them said it wasnt me thats it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with the following addresses that is on my report, this is an improper use or reporting of my credit, kindly remove the following addresses because they do not apply to me. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is in reference to complaint # XXXX Where as I notified by CFPB that SageStream LLC refusal to answer complaint. this is no surprise because Sage Stream refuse to answer request for a copy of my Consumer report and request to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. 
When this complaint is forwarded to SageStream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for the Company 's transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to transunion more than once requesting that they provide me the the method that they used to verify certain items on my credit report. They have fail to reply in a timely fashion and when they did reply they failed to address the issue I noted in my request. They stated that they will not reinvestigate my dispute but I didnt dispute anything. I asked for the METHOD OF VERIFICATION.
Product: Credit reporting or other personal consumer reports

I requested that Experian update my personal information that was incorrect and no further actions was taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
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 ( Inquiry date XX/XX/XXXX ) has violated my rights CXXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX  ( inquiry date XX/XX/XXXX ) XXXX XXXX  ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.
Product: Debt collection

I'm not liable for this debt with QUALIA COLLECTION SERVICE. I do not have a contract with XXXX XXXX XXXX XXXX XXXX. They did not provide me with the original contract as i requested
Product: Checking or savings account

On XX/XX/XXXX, the company closed my savings and checking accounts. On XX/XX/XXXX, they supposedly sent me checks with the money from my savings and checking accounts, which I never received. I contact them on several occasions and they tell me that I have to wait more than 120 days to be able to request and send new checks again. I contact them on XX/XX/XXXX and they inform me that they are going to send the checks again. and within a period of 15 business days I receive my checks, I call the company again on XX/XX/XXXX to find out the status of my checks and they inform me that they sent them due to lack of internal information, more than 150 days have passed and I have no solution for my checks
Product: Credit card

On XX/XX/, when I returned a call to XXXX ( XXXX XXXX ) he XXXX rep told me I just needed to get a new modem as mine was outdated. I could bring the old one to any store for an exchange. Then, an FTC officer got on the line and told me that my identity had been stolen and my SS # was used to open several XXXX XXXX XXXX accounts. I was currently under investigation and was told I needed to keep my phone on at all times with the speakerphone on. I asked why he was on the XXXX call, he said when XXXX sees any suspicious activity on an account, they flag the FTC. Because I have been a customer of XXXX XXXX  for decades, I believed this very convincing actor was a legitimate FTC officer. I was told not to tell anyone of this investigation as they did not know who had gotten my SS #, and I was not to go on the internet or open any apps on my phone, laptop or desktop because the hackers could get further into my personal information, I could be in danger, and I would compromise their investigation of the scammers who had stolen my identity and Social Security number. That day, I was told the FTC had to safeguard all my assets. Namely, house cash and savings. If I did not cooperate with them, they would seize all of my finances and freeze them for several months. I would have to appear in court, and because my SS # was used to open these illegal accounts, I could go to XXXX 

After all my assets were safeguarded, two agents from SS would come to my home, reestablish all my bank accounts, and I would be given a new SS #. Then they would be able to conduct their investigation further and close all accounts using my current SS #. I asked how could they reestablish my accounts with the banks- that did not seem likely to me. I was told they are the government and have the authority over the banks. 

Between XXXX, I closed my accounts at three banks, went through the process of cashing the checks, packing and sending packages via XXXX or handing the package over to a courier. Finally, on XXXX, I was told to cash out any credit on my cards and buy gift cards and send the pictures of the cards with pin showing to them to be safeguarded and attached to my new SS #. The fake SS Admin also sent instructions through my XXXX on how to send the pin numbers so the funds could be attached to my new SS number. That night, because of the gift cards, I finally realized that I was scammed, and now I had only a small social security check nothing to live on, and for any emergencies that might come up. I called the police, who came and took an in-depth report and took copies of all the evidence from the scam. A detective was immediately assigned to this case. XXXX credited the gift card charges back to my card. American Express would not consider disputing the gift card charges. 

I have been XXXX  of my entire life savings ( {$290.00} K+ ) and even put into credit card debt because I was tricked into believing I was being compliant with an officer of the law, who connected with me though a legitimate company that I trusted for decades. 

I have reported this scam to all the necessary agencies, stores ect. If you need more information please advise.
Product: Student loan

In XX/XX/XXXX I received a federal guaranteed student loan from XXXX to attend XXXX University. After in XX/XX/XXXX I graduated with {$32000.00} in debt at 9 % interest. Payed the payments on time until XX/XX/XXXX. When my wife and I consolidated our loans into a XXXX smart loan for {$39000.00}. The payments were made on time until I started my XXXX in XX/XX/XXXX. I Had to travel and pay for everything at home. I contacted XXXX and ask for help. The only thing they offered was to put the loan in forbearance for 8 months. I had to do this 3 more times with no other suggestions or help from them. From XX/XX/XXXX we payed our high payments for 3 years. In XX/XX/XXXX we were offered a better interest rate of 8.25 % from XXXX if we switch and have them service our loan for XXXX. I switch thinking it would be better the balance was {$61.00} and XXXX started servicing the loan. It has not gotten any better we currently still owe {$57000.00}. The payments are current and we pay close to {$600.00}. a month. I have payed on this loan for 21 years and have the principal has already been payed off. I am getting no where and need your help! ACS is no help either they only offer income based repayments that only put us further behind and we do not qualify for their programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with- ( XXXX XXXX  name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/20 around XXXX to XXXX XXXX EST, I visited a branch ATM and deposited {$700.00} in cash. I realized too late that {$700.00} in cash would have been 35 bills and this ATM only accepted 30 bills per deposit. The ATM stated there was an error and my cash could not be returned and to contact Citizens Bank. It printed a receipt from that date stating there was an error and to contact the bank.

I returned home and immediately called Citizens Bank. I was able to get through to someone at around XXXX XX/XX/XXXX to explain the problem. From here, the woman I spoke to put in a claim for me and gave me a claim number. I was told it'd take approximately 10 business days to return the money to me and I didn't need to contact the branch where I used the ATM. 

On XX/XX/20, a {$700.00} deposit appeared in my account and I received a letter stating I had been given a TEMPORARY deposit of {$700.00} while they investigate my claim. I assumed that this would not conclude against me as I was sure I could be seen on camera at the bank and that the ATM would show that it was {$700.00} over, so I did not bother saving this {$700.00} temporary deposit. 

On XX/XX/20 I was issued a letter stating that they had found there had been no errors at the ATM and they would be reversing the temporary deposit of {$700.00} on XX/XX/20. 

On XX/XX/20, the {$700.00} was indeed reversed, and overdrew my bank account by over {$630.00}, to which my account remains as of this day, XX/XX/20, overdrawn. 

I am deeply disturbed by the actions of this bank as I know, for certain, that I was at the ATM that day, deposited {$700.00}, have receipt proof that I was there and received an error from the ATM, and that they can still conclude that nothing happened and have taken {$700.00} from me. I took all of the steps I had to take, provided all of the information I could as accurately as possible, and still Citizens Bank concluded me to be a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is always able to provide the report for XXXX or XXXX when I request it. For Equifax it seems I am unable to even access the report. Each time I request it I can NOT get my report. Security questions clearly include information that is not mine. I am unable to dispute it because I am unable to get a report to see what is on it. How do I get a report when the security checks do not allow for the right person to provide their correct information? What would it take to get a copy of the credit report from Equifax?
Product: Debt collection

Firstcredit Services calls multiple times a day from different phone numbers. I do not answer and block the phone number each time. Then I receive a call from another number.

To the best of my recollection, I picked up the first call I received a few years ago and told the individual to remove my name and number from their lists.

My credit score is over XXXX I do not have any outstanding debt. Nothing I owned is financed. 

These call are beyond harassing. They interrupt my other calls and daily activities. 

Please contact the company on my behalf to stop these calls or direct me how to stop these calls.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT It contains items submitted today to government entities that XXXX XXXX will not address and accept. 

XXXX XXXX REFUSES to remove hard inquires from my report that are fraudulent. I did not apply for a XXXX at any time, and two accounts listed ( XXXX AND XXXX XXXX XXXX ) still remain. The other agencies have removed these. 

I was denied housing, one of the reasons was THESE HARD INQUIRIES as stated on the adverse action. 

ANOTHER was the fact that they continue to list the last fraudulent account out of 25 or more that were made while I was medically incapacitated and LEGALLY unable to make decisions for myself or take out loans etc. 

This was done DIGITALLY and since the person had access to ALL of my personal information and bank account, I had no idea it was done, had been done, or received any monies from the transaction or goods - or could have know of their existence. 

These items need REMOVED. 

XXXX is also reporting the XXXX XXXX account and refuses to remove it. 

EXPERIAN refuses to remove two items, including a XXXX account and the above mentioned XXXX XXXX account. The XXXX account was taken out during the same time frame in XXXX, but as many others did my LEGAL NAME was not used when opening it. I have asked for a SIGNED copy of the report, but it does not exist. The vendor stated " it was digitally signed. '' This fact made it EASY for someone to open this and over 25 otrher accunts as all they needed was my information and bank account info. NO attempt was made to contact me to verfy, or ANY other type of verification. This behavior is and continues to be reckless, and the company has nothing to lose as it then harasses vicitms to repay the monies taken out illegally, compounding the problem with PREDATORY behavior. In their own words ( and XXXX XXXX SAID THE SAME ) " we don't care who pays it someone will - whether they took out the loan or not. '' They are revictimizing people with this behavior. 

FURTHER, the XXXX account was opened with a false name I do not use, and had charges made XXXX miles from where I live in a short period then apparently thrown away. 

I have attached all the needed documents to do remove these and identify me. 

I AM NOT MAKING THIS DISPUTE IN ERROR. 
I AM NOT MISREPRESNTING FACTS. My XXXX through XXXX and the documented reports from LAW ENFORCEMENT ( APS ) verify both the injuries, circumstances, and the crimes committed against me. 
I HAVE NOT RECEIVCED GOOD OR SERVICES AND AS A REULT OF MY DISABLING INJURY COULD NOT HAVE BEEN AWARE OF ANY GOODS, MONIES OR SERVICES RECEIVED. 

The agencies CONTINUE to send CANNED responses simply stating I did one of the above. 

IT IS NOT THE CASE. 

I HAVE SUBMITTED FTC ( newly filed today ), CFPB ( NEWLY FILED TODAY ), XXXX, and LAW ENFORCEMENT ( APS ) files to the agencies. XXXX IS A LAW ENFORCEMENT AGENCY AND HANDLES VULNERABLE ADULTS LIKE MYSELF.
Product: Student loan

Sent messages on how to either lower interest rate or forgive loan. I have paid back over double what I owe and can no longer pay these loans. It's been 16 years I have paid more than enough.
Product: Credit card or prepaid card

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies in my employer information that must be corrected. Specifically, I am requesting that my employer details be updated to reflect my correct employer, " XXXX XXXX XXXX XXXX XXXX, '' and any outdated or incorrect information be properly revised. Accurate reporting of my employer is essential to prevent delays in financial matters and ensure I am not unfairly affected by outdated information. I kindly request that this update be completed promptly and confirmed in writing to avoid any future complications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 
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 XXXXXXXX XXXX XXXX XXXX XXXX  REINVESTIGATION IN PROGRESS ; AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section XXXX