23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection account under my credit report who I do n't have any idea who the company his. I get harassment calls all the time and all days with treats. Telling me they going to take everything I owned and put me in jail. I get XXXX kids at home to feed and this calls scare me a little bit. I want this to stop especially from someone I do n't know.
Product: Credit reporting

I REQUESTED FROM EQUIFAX TO REMOVE AN ADDRESS ( XXXX XXXX , XXXX XXXX, NY XXXX ) FROM MY CREDIT BECAUSE I`VE NOTLIVED THERE AND INQUIRIES THAT WAS NOT AUTHORIZED BY ME. 
XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ;
Product: Student loan

Ive tried on numerous occasions to lower my payment when needed. Told them my income and other bills ( mainly rent ) but they refused to work with me. The payment amount currently set up is 90 % interest and they would encourage me to do the interest only payment which would lower my payment but just barely. Then I would just be stuck paying interest for a period of time and not actually paying my loan. This has been going on for years.
Product: Credit card or prepaid card

In XX/XX/XXXX, my husband and I both received Visa credit cards from Capital One, where we have been customers since the bank came into existence. I am the primary person on our accounts there. ( We have two joint bank accounts and I have one solo bank account at Capital One. ) We always pay all our bills, including credit card bills, on time. 
The Capital One Visa credit cards came with different credit limits. My husbands cards limit was two and one-half ( 2 1/2 ) times higher than my cards credit limit! We assumed this was an error on Capital Ones part, as our two other Visa cards are joint cards and we have always had the same credit limits on those cards. I have called Capital One at least three times about the discrepancy in our credit limits, asking for the same limit for both my husband and me. Each time I am told that Capital One uses many factors in setting credit limits. Since my husband and I file joint federal and state tax returns and have joint bank accounts, I asked what the factor was that led Capital One to give me a far lower credit limit. Was it gender? That is the only difference. There was silence. 

In XX/XX/XXXX, I received two letters from Capital One saying that I needed to use their Visa card more if I wanted the same credit limit as my husband. That excuse simply isnt valid : I have charged more on that card than my husband in XXXX, XXXX and XXXX. In fact, I have already paid {$30000.00} on that Visa card since XX/XX/XXXX. My husband has paid less than {$150.00} this year. 

Capital One is discriminating on the basis of gender in its credit cards credit limits. Although their customer agreement for credit cards says they can take any action at any time with respect to credit limits, Capital One is not allowed to discriminate in its lending. That is a violation of federal law.
Product: Credit card

XX/XX/year> this account was paid and closed and shouldve been deleted off my credit report .. its still showing up on my credit report as late payment and negative its balance at XXXX and reporting inaccurate on my report..
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my consumer reports that is affecting the process of buying a house. Equifax is reporting late payments on my consumer reports from XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX XXXX XXXX acct # XXXX., the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; subsequent to this the law also states 15 us code 1666b timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nobody has sent me proof nor have I received my periodic statements 21 days before the payment was due, the burden of proof is on the consumer reporting agencies, and I have still yet to be proved. My next step will be litigation. Therefore, please update these accounts as paid as agree or delete.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES I that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XX/XX/XXXXXX/XX/XXXX
Product: Consumer Loan

Check into Cash XXXX have started to call my neighbors and their caller ID clearly showed Check into Cash, XXXX. They have requested my neighbors contact me. My neighbors were clearly embarrassed to do so. Although I have not lost my car yet I know that they want a very good car they loaned on the cheap. I am XXXX ill and over the last month have been extremely XXXX XXXX bills take precedent over a 179 % loan at this time. I had informed them that making a XXXX mile round trip was at times going to be impossible and was informed " we only accept cash payments ''. The pressure I am under beyond description. I have already, in interest payments alone, paid them more than what I borrowed. I just will not end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
Product: Credit reporting or other personal consumer reports

I sent letters to the credit reporting agencies via mail on XX/XX/year> to investigate XXXX XXXX account and XXXX XXXX XXXX  credit card account. XXXX XXXX is reporting the incorrect balances on my credit report and adding late payments to the account each month. They offered to settle the debt for 80 % less than what is being reported. XXXX XXXXXXXX XXXX is reporting late payments on my report each month even though XXXX XXXX XXXX is managing the account. I was not notified that my info was given to them. I did not find out until I reached out for an update via mail on XX/XX/year>. Both companies are violating the FCRA laws such as, law 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( b ). I asked for the credit reporting agencies to investigate the accounts and to provide proof of validity ; They did not complete an accurate investigation. If the information is not being reported correctly, it needs to be deleted. 

I reached out to the credit reporting agencies about XXXX XXXX XXXX collection accounts to investigate the validity of these accounts because I do not recognize them. They all sent me automated letters instead of completing an accurate investigation.
Product: Credit card

My apple XXXXXXXX was stolen on XX/XX/2023. The thief was able to completely change my Apple ID information making it impossible for me to access my account. I contacted Goldman Sachs who issues the Apple Credit Card I had and they shut it down and closed my account. They are refusing to send me statements and change the email address associated with the credit card for me to receive statements. They are sending statements to the email address of the thief, who certainly isnt going to be paying my bill. I think they should be required to switch that email address into one that is mine so I can receive my statements. The thief should not be receiving information that does not pertain to them.
Product: Credit reporting, credit repair services, 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} 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
Product: Payday loan, title loan, personal loan, or advance loan

I have been a victim of a fraudulent UCC filing by FUNDO LLC, a XXXX XXXX  and XXXX XXXX. 
Where they improperly placed a lien on my XXXX XXXX account without your knowledge or consent, significantly impacting my business operations due to the frozen funds. 
I was not notified about the UCC lien placed on my XXXX XXXX account by the XXXX XXXX, indicating a potential violation of proper procedures. 
My attempts to contact the XXXX XXXX  were ignored, further raising concerns about their legitimacy. 
The Indiana Secretary of State confirmed the UCC filing as fraudulent, indicating a clear legal issue. 
My research suggests the XXXX XXXX  has a reputation for questionable practices. 
I have had a ucc lein from a certain XXXX XXXX  for almost 3 years. I've done nothing but research this happening. I was never informed of the ucc filing. Even XXXX XXXX didn't tell me about it until XXXX. The XXXX ignored all my calls and XXXX XXXX customer service didn't exist in XX/XX/XXXX. 
When I finally got wind of the situation, my XXXX XXXX and XXXX XXXX  were froze. This was the down fall of my business and honestly my whole being. Work was my life. Up until last week I didn't know I was such a victim. 
I was wondering why there was never a subpoena or why they never took the money out of account my XXXX XXXX just stayed at the same balance since XX/XX/XXXX. So I decided to call the Indiana secretary of state. 
I seen differences in my document. They verified it was a fraudulent ucc and I needed to contact a attorney or contact the lender to get it removed because they weren't legally allowed to do it. All XXXX XXXX  has done is give me the name of the lein holder and you wouldn't believe who it is. 
My research I see you've wanted this guy buy he seems to be slippery. But I've done my home work and would love a sit down and see what we can do legally for my loss and protection because honestly I don't trust the man. Then recently 2days ago I had XXXX XXXX  send me the lien holders info again. Resulting in it being XXXX XXXX 
Also, the lien holder keeps switching to XXXX XXXX to XXXX and XXXX PA. I have been told that FUNDO LLC doesnt even have any of my information regarding the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : ( XXXX ) XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion , LLC XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following inquiries are related to none of the aforementioned permissible purposes. 

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 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 Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

WORKING WITH ZELLE THERE WAS NEVER ANY PREVIOUS SECURITY WHEN CONFIRMING THE RECIEVING PARTY WAS THE CORRECT PARTY. IF YOU SEND THE MONEY TO THE WRONG PARTY IT WAS NEVER RECIEVED OR AIDED TO BE RETRIVED. THERE WAS NO PREVIOUS CONFIRMATION BEFORE THE PHONE CONFIRMATION WAS ADDED RECENTLY.
Product: Credit reporting or other personal consumer reports

Please expeditiously remove this from my credit report!
Product: Student loan

My ex-husband used my identity to put me as a co-signer on his XXXX students loans through Sallie Mae, XXXX. XXXX XXXX XXXX, PA XXXX back in 2008. We were separated at the time, living in separate homes and our relationship was over. I found out about the loans through a letter mailed to me and I immediately followed all steps that the loan company ( SallieMae ) told me to take in order to dispute the charges, including a police report and fraud alerts, etc. The man at the loan company basically told me that he did not believe me, and that there was nothing I could do because the loan was signed with an electronic signature. I never heard back from SallieMae regarding the status and since then the loan has gone to collections. My ex-husband is now in jail and I am not sure what steps I can take to fix this issue. I realize it has been a very long time but he committed fraud and identity theft and I am willing to do whatever it takes to clear my name off his student loan that I did not sign nor did I receive any funds from. 
I am not sure if this is the right place to ask for help, but if it is n't please at least direct me as to where to go or who I can contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collector has 2 of the same accounts same XXXX one day apart. I only owe one. They have harassed me in the past saying because I couldn't pay that day they would put I refused to pay. Which is a lie. I filed for disability it's still pending. I have no way to pay at this time. I agree one I'll pay when I can but not 2.at one point it said it was closed. Please have them remove one. Thank you.
Product: Credit card or prepaid card

I received a letter from Bank of America saying that they received a credit card request that I had not filed.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out through certified mail. 

According to the FRCA, the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of such information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX. ) XXXX : XXXX 2. ) XXXX : XXXX 3. ) XXXX : XXXX
Product: Credit card or prepaid card

Thank you for taking the time to read this. I have an issue with Fifth-Third Bank. I have been making on-time payments to them for the past 9 months. In XXXX, I decided to enroll in a program with XXXX XXXX XXXX for repayment plan for the debt ( I had lost my job ). In XXXX, I made a {$650.00} payment to Fifth Third over the phone. 

My issue is that when I tried to make the payment in XXXX, the representative said my account was closed and that I have to go into a branch to make the payment. When I went into the branch, the representative said he will see what is going on. I never heard back from him. In XXXX, I tried to make both XXXX and XXXX payment but they would not take my payment over the phone. So I went to another representative at a local branch and demand for them to find out what is going on. The representative reached out to me yesterday saying that my account is in-house collections because my account was late. I was furious because my account was late due to the run around I was getting from Fifth third but he mentioned it was late since XXXX. I know that was not true because I made the payment on the XXXX each month. The phone representative always said my payment will be posted on the same day I paid ( excluding holidays ). I received no mail notification and now I have a late payment on my credit report and I do not think I should have that reporting on my credit. This is not right and I would like this fix! 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I want access to my account and to manage my Credit Freeze. You refuse to reset my password. You have refused deleting my account and letting me start over with a new account. I CAN NOT CONDUCT MY BUSINESS WITH WHAT YOU ARE DOING TO ME!! 

Equifax asked me to send a copy of my drivers license and social security card through the email in an unsecure manner. That is absolutely horrendous from a company that is supposedly involved with protecting one 's identity,
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint regards Consumer Financial Services, the lender of my auto loan ( hereinafter " XXXX '' ), and Experian, one of the credit bureaus responsible for maintaining accurate information regarding my auto loan. According to my most updated credit report from Experian, I owe {$4100.00} as of XXXX XXXX. This information is patently incorrect and I have several different forms of proof to show the falsity of the information currently reflected for my auto loan. I initiated two different disputes with Experian regarding my auto loan through XXXX, one dispute was without supporting documentation and the second was with supporting documentation. Both times, Experian denied the disputes, citing that XXXX certified to them that the information currently reported was correct. Experian, as the credit reporting agency, refuses to update this portion of my credit report even though I have provided them with unequivocal, verifiable proof of incorrect information being shown for the auto loan account originated by XXXX. It should be noted that the correct balance and payment history for my auto loan through XXXX is reflected on my XXXX  credit report and no dispute is required for XXXX. I have not been able to check what XXXX  shows for my auto loan account, but I am fairly certain the information is correct. I firmly believe this is an issue with Experian blatantly refusing to update my credit report with the correct information that I have provided as proof of a valid dispute, and that their misbehavior is adversely impacting my overall credit score and credit file. Basically, it gives the appearance that I haven't paid on my auto loan since XX/XX/XXXX and owe nearly {$1000.00} more than what I actually do currently. As of my payment to XXXX on XX/XX/XXXX, the remaining balance on this account in dispute is only {$3300.00}. Furthermore, the payment history report provided to me by the XXXX, Florida office for XXXX shows positive payment history at least as far back as XX/XX/XXXX. Based on the foregoing discussions, the inaccurate information shown by Experian for this auto loan account MUST BE CORRECTED IMMEDIATELY AND WITHOUT FURTHER ARGUMENT OR DEBATE.
Product: Checking or savings account

On XX/XX/year>, I paid a title company to complete an XXXXXXXX XXXX XXXX. That transaction was processed and went through ; however, on XX/XX/year>, I attempted to obtain a bank transaction summary to confirm that the XXXXXXXX XXXX  came from my account. SoFi does not provide transaction summaries outside of their obligatory monthly statements. Thus, I can not proceed with the mortgage origination process and must wait XXXX business days after the month to receive the monthly transaction. I attempted to contact SoFi on XX/XX/XXXX to talk to an agent and they could not remediate my issue. They confirmed they can sign a confirmation of deposit form ; however, they can not take any action on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$3900.00}