23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to get my free report from Experian. 
Two times in XX/XX/XXXX, the agents just wasted my time reading questions that already appear online and said that my answers don't match. This is only possible if they have made mistakes in their data. I have successfully used XXXX  and XXXX  online. 
The experian online free report ( via XXXX ) always says " we are sorry ''. I have treid this multiple times. The last time this happened is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize Those accounts to be open. I am requesting that they be removed. 


XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

Speedy cash has continuously popped up when I apply for business line of credit and was redirected to another lender site it was always speedy cash. They call me and ask me if I want a loan and I give them updated information not knowing it was speedy cash. I have disputed error after error with no avail.
Product: Debt collection

I have requested a forbearance in XX/XX/XXXX and it supposedly has been granted. I was given a confirmation number that it was taken care of. However, they have a robo call automatically calling me 5-6 times a day!! It is not a person. It even calls on Saturday and Sunday with a recording to call them weekdays. It has also called my work phone and I was asked about it. I have called 4 times, each time having been assured that it has been taken care of. Yet, they are still calling me!!!! I want these people sued!!! I pay my bills and should n't have to put up with actions that are illegal and request remuneration for this legal violation of my rights.
Product: Credit card

I was lied to by a Citibank representative XX/XX/XXXX. He was pressuring me into signing up for the Citibank Credit Protector program ( which I did not want ), and said I would not be signed up until I had mailed in the signed forms he would send me. Knowing that I had no intention of returning the forms I agreed to let him send them to me, just in order to get off the phone with him. However they enrolled me in the program without me sending in any forms, and they charged me {$130.00} for this program I did not want and did not sign up for. When I found out I had been charged I cancelled the protection program and wrote a letter requesting a refund from Citibank. Citibank would not refund me so I cancelled my credit card. Last summer I read in the news that Citibank has been ordered to refund customers like me who were the victim of deceptive business practices, so I wrote a letter XX/XX/XXXX providing them with my new address and again requesting a refund. No response. I have called twice since then - the first time they told me to call back XX/XX/XXXX. Today I called and after 30 minutes talking to people who could not help, someone in the credit protector program told me she would resubmit my refund request for me, then without getting my new address, she put me on hold and then hung up on me. Although I misplaced my statements/proof of charges, Citibank knows the amount - the representative today quoted me {$130.00} which is correct.
Product: Mortgage

I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXXXXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. 

I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this.
Product: Credit card

CAPITAL ONE NEW ACCOUNT! Call to report fraud. So they say that i need to recieve text messages. Ok, for verification. Ok. My another number doersnt work because iphone was not charges. and when i charges my phone there a lol text messages from them. i call again and they said wait XXXX weeks for your id for say ok. I WISH YOU THE SAME SITUATION IN NYOUR LIFE! i talk with the manager on the phone tin idk, he was rude
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you of the fraudulent activities I recently discovered on my Credit File. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. I need the following inquiries removed as soon as possible : 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 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
Product: Credit reporting or other personal consumer reports

I was recently reviewing all three of my credit bureaus from Trans Union, XXXX, and XXXX. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.
Product: Credit reporting or other personal consumer reports

Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/2023, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.
Product: Mortgage

In 2020 I skipped 3 payments XXXX through XXXX received a letter stating I was approved to defer the payments. SP 's waited until XX/XX/2020 to send me a letter saying they were only applying 2 payments to the end of my loan. I called my service manager and let her know it was incorrect. They refuse to this day to correct the error making me one month behind in my payments for over 2 years now. I don't know what else to do. They gave me difficulties with this from the beginning stating my loan was not federally backed which I had to prove to them that it is. The letter they sent deferring only two payments is not even for the correct months they say XXXX and XXXX I started paying again in XX/XX/2020 and have not missed a payment since. 

Thanks for your help. 

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

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED XXXX, XXXX XXXX   XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX
Product: Credit card or prepaid card

XXXX XXXX has mailed out a letter stating that Discover released information about my account to them when no permission was asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in Experian, XXXX and XXXX. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO   score reduction.
Product: Debt collection

I do not have a contract with XXXX XXXX. I am not responsible for the collection for the debt with Comenity Bank. I am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of student loans, medical bills, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT ED. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 : # XXXX # XXXX # XXXX XXXX XXXX # XXXX, US DEPT ED : # XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Got charged twice on my card money got my money took out my cashapp and had to get another card I contacted the agent they gave me a XXXX XXXX to call nobody answered
Product: Debt collection

I received mail about a unpaid debt, I called them and disputed that there was some mistake. Then on XX/XX/2018 the account showed up on my credit report ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a auto loan with T/D AUTO FINANCE THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX/ THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS
Product: Debt collection

Beginning on or about XXXX XXXX, XXXX, Ive been getting frequent and annoying emails from XXXX XXXXXXXX XXXX XXXX XXXX  on behalf of Jefferson Capital Systems LLC concerning an amount of {$150.00} XXXX allegedly owe to the now-defunct XXXX  phone XXXX. The amount dates back to XXXX. 

I believe I did have XXXX back them but I didnt owe them any money at all. Until XXXX or XXXX, I had a flip phone. I subscribed to the phone plan with the lowest fee as I do not talk on the phone or text very much. To hear I owe {$150.00} to XXXX, which was bought out by XXXX in XXXX, is absolutely astonishing. There were simply no circumstances under which I would have racked up such a large amount to a phone company. 

What I believe is going on is that during the acquisition in XXXX, XXXX bought XXXX debt. XXXX inflated the debt. It used innocent people like me, fabricating alleged charges they owed. 

Id like to know how, since XXXX, I was able to switch my phone service several times, keeping the same phone number. So far as I know, phone companies do not let you sign up if you still owe money to another phone company. And they certainly do not let you keep your old number. 

I have not contacted XXXX XXXX, which is bombarding me with demands practically every day. I dont want them to have my new street address or email address or phone. That is information they require. 

No proof of my owing {$150.00} to XXXX was given to me by XXXX XXXX. 

I made phone calls when I was with XXXX that were within the confines of the monthly plan I signed up for, which was the cheapest plan since I have low phone usage. If XXXX XXXX is doing this to me I am elderly, not a teen whos on the phone all day or someone who calls foreign countries regularly they are also doing it to others. I simply refuse to cough up a large amount of money to a greedy corporation and its henchmen who are fabricating stories about my nonexistent overuse of my phone XXXX or more years ago.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I sent a letter to Monterey Collections expressing to them that they needed to provide me documentation of my signature that this collection from the original company. They never provided me with proof that this was my debt. I asked them to submit my signature and they never responded with the actual contract with signature. They just sent me a letter stating that this was my debt. I told them that this was not my debt, submitted a letter stating such and asked them to please take this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 without my written instructions. 

It is not my name on debt. 
I have been living in same address for more than 10 years. Never had those services. 
Never had knowledge of debt until it hit credit reports and lowered points. 

XXXX AND XXXX Lowered score wrongfully.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) were inquiries not authorized. Please remove for they have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit report, unauthorized inquiries are being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The TransUnion Credit Bureau have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. If you believe that the disputed inquiries belong to me, please send me copies of proof of verification or ownership to support your claims. In the absence of such documents, immediate removal of the disputed inquiries is expected.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX 
on XX/XX/XXXX with a balance of {$2000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On Sunday XX/XX/XXXX, XXXX unauthorized XXXX charges were charged to my checking account with my card. The XXXX charges were : XX/XX/XXXX XXXX  *INSURANC XXXX OH XX/XX/XXXX Card {$170.00} XXXX  *INSURANC XXXX OH XX/XX/XXXX Card {$270.00} I have my XXXX  on auto payments from my bank account, not my card. They are consistent on dates, they look like this : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX WEB ID : XXXX ACH debit {$150.00} I called XXXX and they stated that they do not see the XX/XX/XXXX charges under my XXXX account.
Product: Debt collection

On 2018, this debt for {$140.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

i request a security freeze thru XXXX to suppress my personal info in which i received confirmation of the request, however the reporting agencies ex : XXXX, transunion XXXX XXXX all stated that the information their reporting is coming from XXXX in which shows inaccurate on all 3credit bureaus.please have them stop reporting inaccurate information