23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, my credit card was canceled due to fraud. The representative from Visa  asked me if I had just rented a car, which I had not. He said whoever made that charge had all of my information so he needed to cancel my card and send me a new card. 

In XX/XX/XXXX, I received an alert from XXXX XXXX about a negative account under my name. I looked at the account, and it was a collections account under I C System Inc. the original creditor showed up as XXXX XXXX XXXXXXXX in the amount of {$90.00}. XXXX Conducted an investigation, and removed this collections account from my credit report. 

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX regarding this debt. Saying that they were hired by XXXX  XXXX XXXX to collect a debt of {$90.00}. This was the first letter of any kind that I had received regarding this debt. It was sent to my previous address in which I have not resided in since XX/XX/XXXX. I answered to this letter within the 30 day period stated. I explained my situation and requested more information about this debt and requested proof that this debt is mine. I received a letter back from XXXX XXXX XXXX XXXX in which it stated that my request for debt validation was received, was documented, and was forwarded for processing. It stated that my account with their office was closed and returned. 

At the end of XX/XX/XXXX, I applied for a credit card without realizing that this debt collection was still on my XXXX credit report. This is when I realized that this collections account which is not mine is still there. 

I mailed in my only correspondence that I have ( which is with XXXX XXXX XXXX and XXXX ) about this to XXXX. They replied by asking me to contact the collections company directly. 

I have never received any mail, phone call, e-mail, or any form of communication or bill from XXXX   XXXX XXXX or I C System Inc. I did not know of this debt prior to it appearing on my credit report. I XXXX I C System Inc and looked up their contact form. I did not feel comfortable providing my e-mail, phone number or SSN in their initial online contact form. 

I would like to please have this collections account removed from my credit report since it is not mine and it is a result of fraud on my previous credit card. 

Thank you
Product: Credit card or prepaid card

I received a phone call from someone claiming to be from Amazon ( XXXX ) attempting to verify a purchase for {$340.00} or to call XXXX if I did not make this purchase. 
I contacted Amazon ( XXXX ) and they verified there is no purchase listed for that amount. They said it was a phishing call, not to worry.
Product: Checking or savings account

Someone opened an online savings account in my name with my address and social security number with Discover Bank. I need protection.Please advise
Product: Debt collection

The company continues to harass me about an alleged debt they know is not owed by me. I have told them repeatedly to stop contacting me about it and they have now resorted to harassing my family members. This a blatant violation of my rights as a consumer.
Product: Debt collection

A collection agency named " XXXX XXXX XXXX " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " XXXX '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  accounts : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, accounts are inaccurate and has violated my rights. 

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

16 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting

I have tried to retrieve my credit report from Experian online. I am unable. I am requested to write in for it. I tried to call to find out why but I can not find a number to actually speak with someone. I finally received my report and have tried to file a dispute and again I am being asked to send in for a credit report which I already have. I have not had the problem with XXXX and XXXX, only Experian. Any assistance would be appreciated.
Product: Mortgage

id int has put these XXXX XXXX XXXX and i have never lived there ever this is not mine I have to know knowledge of this account and it need to be deleted from my account so I can get me an apartment for me and my XXXX children to live so please delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Student loan

I was a co-signer of my son student loan which was originally with XXXX XXXX issued on XX/XX/2008. My son defaulted on his loan several years ago. Wells Fargo discharged the debt after 8 years and issued separate XXXX to my son and me for the same amount. My original involvement with this loan was a co-signer and acted only as a surety on the loan. My son received the benefit for receiving the loan. Based on Treasury Regulation section 1.6050P-1 ( 7 ) Guarantors and sureties, solely for purposes of the reporting requirements of this section, is not a debtor. Thus, in the case of guaranteed indebtedness, reporting under this section is not required whether or not there has been a default and demand for payment made upon the guarantor. As a person who sole purpose was to act as a surety or guaranteed of my son 's loan - my credit rating was used to help him acquire that loan, a XXXX should not have been issued against me. I gain no financial benefit on this loan. Wells Fargo, which acquired this loan after XXXX XXXX, falsely reported this to the IRS against treasury regulation and falsely implies that my income benefited from this loan. Again I was only a co-signer not a co-applicant or joint owner of this loan. I called Wells Fargo Executive office concerning this issue and they refused to correct the matter even after I stated the regulation to them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid XXXX 's. I have opened XXXX new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few thousand dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ XXXX credit available and $ XXXX in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX
Product: Mortgage

Discussed getting a loan with Amerisave mortgage on XX/XX/15 and paid a {$500.00} lock fee and {$43.00} credit report fee to get a loan of {$420000.00} with a cash out refinance of {$110000.00} with a lock fee of 3.502 % for points. Lender indicated i was pre-approved. I then have provided all documents they requested 2-3 times. Suddenly 5 days later they send a second closing disclosure for a loan of {$390000.00} with {$57000.00} cash out with 3.901 % for points. I have attempted to contact them since the XXXX ( 7 days ), had received a call on the XXXX and they said they would look into it and contact me on the XXXX. I have not heard back from them so I called and emailed again and have had zero communication from them since the XXXX ( except to request copies of my tax returns AGAIN ). The bait and switch they presented me along with the lack of communication leads me to writing this report. At this point they have stolen my money, misrepresented the loan terms completely and I never would have paid the lock fee or attempted to do business with them for the second closing disclosure amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX  Open options Account XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Mortgage

funds listed in Escrow are not applied to the account correctly. REMOVE ALL OVER CHARGED LATE FEES. See statement
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Prosper loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account from XXXX XXXX, XXXX thats currently listed on my Experian, XXXX and XXXX XXXX credit report is not my collection account and is the result of identity theft. The collection account is a fraudulent account and the is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no information about them, and the company conducted them without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have my name XXXX XXXX remove as auth user on this acct XXXX : spirit card from bank of America.
Product: Credit card or prepaid card

PAY PAL XXXX XXXX XXXX XXXX XX/XX/2019 DISTRICT OF XXXX XXXX CA. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA. XXXX TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, I AM XXXX YRS. OLD, SINGLE MOTHER, HAVE XXXX CHILDREN, XXXX GRANDCHILDREN AND XXXX GREAT GRAND SONS. 
ON XX/XX/2019 MY DAUGHTER, XXXX GAVE ME A {$250.00} GIFT CARD FOR A XXXX PRESENT. ON XX/XX/2019 I SPENT {$17.00} AT XXXX. THE NEXT TIME I TRIED TO USE IT WAS AT XXXX, XXXX. XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. MY CARD DID NOT WORK. THE SALES PEOPLE AT ALL LOCATIONS TRIED CALLING THE DIFFERENT PLACES BUT COULD NOT UNDERSTAND WHY I COULD NOT USE MY CARD, IT WAS A GIFT CARD. I HAD CHECKED MY CARD ON LINE AND SAW THAT I HAD A BALANCE OF {$230.00}. 
ON XX/XX/2019 I FINALLY DECIDED TO CHECK ON LINE AT XXXX/XXXX AND COME TO FIND OUT THAT ON XX/XX/2019 SOMEONE USED MY CARD AT XXXX XXXX FOR {$220.00} AND ANOTHER PURCHASE FOR {$7.00} THROUGH PAY PAL. ON XX/XX/2019 I EXPLAINED THE PROBLEM TO MY SON, XXXX, WHO WAS VISITING ME FOR THE WEEKEND. HE CALLED PAY PAL AND EXPLAINED THE PROBLEM. HE SPOKE WITH XXXX. XXXX TOLD MY SON, XXXX, THAT HE WOULD TAKE CARE OF IT. HE WOULD REFUND THE MONEY TO XXXX XXXX   AND GET THE MONEY FROM THE PERSON THAT USED THE CARD, XXXX XXXX. HE GAVE HIM A CASE # XXXX AND SAID TO HAVE MY DAUGHTER XXXX XXXX XXXX XXXX  THEY MAY WANT TO ASK HER QUESTIONS. XXXX PUT MY SON ON HOLD FOR OVER 15 MINUTES UNTIL I TOOK THE PHONE AND STARTED TO HIT THE O KEY. XXXX FINALLY CAME ON AGAIN. MY DAUGHTER CALLED ( MANY TIMES AS I DID ) THEY WANTED THE RECEIPT. SHE BOUGHT IT AT STOP AND SHOP AND WAS PART OF HER GROCERY RECEIPT WHICH SHE DID NOT KEEP. WHAT I WOULD LIKE TO KNOW IS THAT I HAVE THE CARD, ISN'T THAT PROOF ENOUGH. SHE GOT NOWHERE WITH THE BANK. HAD TO SPEAK TO 5 DIFFERENT PEOPLE. I AGAIN CALLED PAY PAL ON XX/XX/2019 SPOKE WITH XXXX WHO TRANSFERRED ME TO ACCOUNT SPECIALIST XXXX. XXXX EXPLAINED TO ME THAT XXXX DID NOT RELEASE THE REFUND TO THE BANK BUT SHE WOULD DEFINITELY TAKE CARE OF IT. SHE AGAIN GAVE ME ANOTHER CASE # XXXX. XXXX SAID TO WAIT 15 DAYS AND TO HAVE MY DAUGHTER XXXX, CALL XXXX XXXX. WHEN MY DAUGHTER CALLED THE BANK THEY ADVISED HER THEY DID NOT GET THE MONEY. ON XX/XX/2019 I CALLED PAY PAL AGAIN SPOKE WITH XXXX WHO TOLD ME TO HANG ON SHE WAS TRANSFERRING ME TO ANOTHER DEPT. AFTER HOLDING ON FOR MORE THAN 10 MINUTES I DECIDED TO HANG UP AND CALL AGAIN. I KNEW SHE WAS GIVING ME THE RUN AROUND. WHEN I CALLED THE LINES WERE BUSY SO I LEFT MY NUMBER FOR A RECALL. APPROXIMATELY 8 MINUTES I RECEIVED A CALL. I SPOKE WITH XXXX. HE SAID HE WAS UNABLE TO HELP ME BUT HE WOULD PUT HIS SUPERVISOR ON. HIS SUPERVISOR, XXXX, CAME ON AND JUST STARTED GIVING ME A LOT OF TALK. I TOLD HIM I WAS GOING TO REPORT HIM TO XXXX XXXX XXXX WHICH I DID. ON XX/XX/2019 I FILED A COMPLAINT WITH THE XXXX. I RECEIVED A LETTER FROM XXXX SAYING THEY ADVISED PAY PAL OF THE COMPLAINT AND HAVE TIL XX/XX/2019 TO RESPOND. I AM SENDING THIS LETTER TO THE MEDIA AND OUR STATE ATTORNEY, XXXX XXXX XXXX AND WHOEVER ELSE WILL HELP ME GET MY XXXX PRESENT FROM MY DAUGHTER FOR {$230.00}. 

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

In accordance with the Fair Credit Reporting act XXXX THE FOLLOWING ACCOUNTS ; 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX  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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

There were two fraudulent charges on my card : one for {$99.00} and another for {$210.00}. 
The fraudsters had also changed my address from Florida to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. The card is an AAA Visa through Comenity. 
The company claims that because the charges are still pending they must go through before they will address the issue and I need to call them back either tomorrow or over and over again. I have disputed it through XXXX also. I have locked the card numbers and changed the password.
Product: Credit card

I made a payment on two of my accounts one of my accounts I made a payment of {$50.00} next account I made a payment of {$300.00} on one of my credit cards for {$50.00} was available the next day and the other the XXXX was not available and they told me that it would be on the app but when I spoke with them they said that there was a hold on that money placing me in XXXX XXXX
Product: Debt collection

They have sent one of their " representatives '' to my place of employment. They are also coming to my home in person.
Product: Credit reporting or other personal consumer reports

This is my second requests 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.

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 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: Debt collection

My daughter was contacted by this company ( Simms associates ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.
Product: Checking or savings account

Recently, I have been trying to link my account  to a business account with Chase. I 've received multiple calls and I have been updating Chase on wh at has been happening with my accounts. My business account told me they were running trials to see if they accounts were able to link.     Today,  XXXX   XXXX , I called  Chase to see what was going on when I realized I did n't have access to my account online. After calling them and seeing what was wrong, they decided to close my accounts and end business with me. This is not only disappointing but really upsetting when I have been calling Chase multiple times throughout these past two or three weeks. Interrupting my studies with sc hool to go over what 's happening again and again. They said this decision is irreversible and there are no actions that can be done.     Here is my issue with that : my parents have   Chase and they are Chase Private Clients as well. They need me to be with Chase and to use it so they can send me money to pay for rent. This is not only an inconvenience to me because I have rent due in 4 days, my bank suddenly decides to end their business with me right before is absolutely unprofessional. Not only do you jeopardize my living situations but you also jeopardize me being able to live. I am a broke college student, I have no money ... my business accounts were helping me make progress with my life. It 's absolutely disheartening to see Chase has made this move against me when I have valued Chase since my parents have joined.
There should n't be a reason that this is happening because I 've been updating Chase and what 's happening to me. The timing is so bad, especially right now with rent and bills due. It 's coming to a point where this life is not worth living.