23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I received several calls at work and to my cell phone from someone stating the doll listen very carefully this call Is to the resident to attempt will be made to deliver a certified summons to ( last name ) for  further information contact the issuing attorneys office handling the matter immediately at XXXX This was left on my cell phone and my office phone. The receptionist at my job also told me that this person needed to give me an official summons, he told my job. Not cool. Then made several attempts to call the receptionist to reach me again. I called the number and began to ask questions of why I was being sued, who was or what this was all about. He stated because I owe a company XXXX. He began to insult me and call me XXXX  for not knowing there was interest on the fees. Using words like XXXX and XXXX  youre a XXXX XXXX how XXXX  I was and know wonder why I joined the XXXX and lost us the war. Insult after insult and laughed at me. After asking how can I fix this and if I can make payments he began to say that he was going to record me as not willing to pay and being uncooperative and then proceeded to hang hang up on me. After researching this, between insults he did give me info. I found out that XXXX XXXX XXXX  is behind this. The number in my voicemail is saying they are a law firm. When I call XXXX They answer the with the name of some law firm. However the person in charge of my account wouldnt not repeat the name to allow me to write it down. I tried to reach someone else and they defended the behavior of this guy insulting me and deemed it okay to threaten with suing me because I couldnt afford XXXX dollars. I do not owe this money and they are trying to get more from me than what is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled C-2 Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made eight bank loan offers on his own without my permission while I was waiting in the lobby to call me in
Product: Credit reporting, credit repair services, or other personal consumer reports

please see previous complaint. I sent over the police report and FTC report and now they still say it is not sufficient to say that im a victim of identity theft. They refuse to delete the inaccurate information. They are not following the law and are reporting someone else 's social security number on my Chex systems report. Now they want me to file another police report and also a NEW FTC report but the FTC report needs to be signed by a law enforcement officer also. So they advised me to go back to the police department and file another police report but this time make sure that I say that the account in questions which is XXXX that was opened in XXXX because the police report I have is dated for identity theft and I reported it in XXXX. Thats when I found out I was a victim of identity theft was in XXXX not XXXX till Chexsystems advised me of that supposedly. So they want me to also file another FTC report and that FTC report HAS TO BE SIGNED BY A LAW ENFORCEMENT OFFICER. I told them that I did not think that a law enforcement officer would want to sign my FTC report because they did not write it up, I did that myself, and the police officer would only want to sign what he writes if what im thinking which makes sense. I would not want to sign anything I did not write. This is crazy, not fair my consumer protection rights are not being followed and they are violating the law of reporting false information on my chex systems report which clearly is someone else 's social security number. I want chex systems to provide me with a copy of the Social Security card that XXXX used to have this account opened so that I can see if that is my matching social security number which I know is not but I want to see if the bank followed the rules of making copies of what was used to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding previous case number #  XXXX . Please provide method of verification. I am requesting the Name, Address, and  Telephone num ber of the person validating the alleged item from creditor   XXXX   XXXX   University. I am requesting a copy of the original document or contract showing my name and signature for the alleged item. If the request can not be produced- please  Delete and Remove the item showing in my credit report from   XXXX   XXXX   XXXX  .The   reporting should be accurate and correct per FCRA.   Thanks ...
Product: Credit reporting or other personal consumer reports

ok so this account was opened with a promissory note, pursuant to the uniform commercial code this debt was paid in full since the inception of the account.

so being that this account has about 15 late payments I am going to present case law that should be clear and convincing evidence for this corporation to delete this information off my consumer credit profile is as follows XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) being that this account is misrepresented pursuant to the protections granted to me form the fair debt collection practices act which was passed by congress on XX/XX/XXXX and codified into Public Law 95-109. this is a fine that carries a {$1000.00} violation for every violation. since this company has reported 15 Late payments on multiple credit bureaus attempting to injury me, this beings a sum of {$16000.00} for the missed payments and the misrepresented accounts. being reported on the consumer credit profile, this is just one credit bureau, for XXXX which is another {$15000.00} for a grand total of {$30000.00} in violations.
Product: Credit reporting or other personal consumer reports

I was a victim of the data breach. I filed a complaint through Equifax that the names on my credit report are not me. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX is not me. I submitted my ID to show them and all then nothing happened and I never heard anything back from them again after they said they are reviewing the information. It was in year 2021 I tried to fix this, but it's still on there, so I cancelled my Equifax service with them because they did nothing to fix it or said anything about it a couple months to a year later which is why I cancelled my service with them. My attachment shows the proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit file. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report. 
Fraudulent Account XXXX. XXXX - Account XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Amount : {$7300.00} Unauthorized Inquiries XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

I sent in a written dispute through my original attorneys XXXX XXXX. TSi received the dispute on XX/XX/XXXX as documented in a phone call with a supervisor who refused to give me her name on XX/XX/2018. Which is the day I called in to ask them about why my account was still not validated even after me sending my own debt validation letter dated XX/XX/2018. As of the date of this complaint I have not personally received any documentation validating this account as belonging to me and it has been well over the time constraints allowed by both the FCRA and also the FDCPA which both CLEARLY state that any request for validation of a debt must be done within 30 days from the date of the dispute or the debt will be considered erroneous and therefore removed from any credit reporting agency it may be adversely affecting. I have never lived in Texas and I have no recollection of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was looking on XXXX for a house and I came across someone I thought was honest but turned out in fact to be a scammer they asked me to pay a small fee to get my credit report and send to them. I told them I sent it and a hour later or two something showed up on my credit report. They said XX/XX/XXXX I was at the doctors office and I owe XXXX. So I told them Ive reported them and they never emailed me back again
Product: Credit reporting or other personal consumer reports

I have been affected by the XXXX XXXX data breach. I have had some identity theft with accounts since XXXX. Then the identity theft expanded dramatically during the pandemic to include apartments and evictions. It has many accounts and collection accounts. the accounts and then the collection accounts for the same debt are both listed on all 3 credit reports. I have a police report documenting this and an FTC report. I have submitted dispute after dispute but in XXXX hrs the credit reporting agencies come back with creditor states account is valid. The creditors do not provide any evidence of this and it is unlikely anyone even reached out as some of the resolutions to the dispute happen in less than an hour. 
I have attempted to enroll in the credit restoration services that I supposedly could get but those are expired and the code to enroll was actually only good for 2 months and I have now called the enrollment number 3 times and they just transfer me to a number that is no longer in service. The ID restoration service is completely fake. The phone number you are ultimately sent to is no longer in service. 
All 3 bureaus are refusing to actually investigate and remove items.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  # XXXX XXXX/XXXXXX/XX/XXXX -- {$1400.00}
Product: Credit card

Synchrony bank closed my account with Amazon store card after I paid off the entire balance. This means their reward for a customer who pays off their balance is to close their account. So while a consumer tries to pay off their cards, Synchrony Bank punishes them by closing/reducing their available credit. This is meant to worsen the customer 's credit ration. This should not be allowed. They sent the following message : " Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Regarding your Amazon Store Card account ending in XXXX Dear XXXX, After a review of your account, Synchrony Bank has decided to close your account. 

Our decision was based in part on a scoring system that was used to predict your creditworthiness. The reason ( s ) for our decision are listed below.

Lack Of Real Estate Secured Loan Information Too Many Revolving Accounts With High Balance Compared To Credit Limit Too Many Bankcards With High Balance Compared To Credit Limit Balances On Bankcards Are Too High Compared With Credit Limits While the date of the credit score may not be recent, your score has likely not changed significantly since this date. We receive updated scores on a periodic basis, and when significant changes occur. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX If there is a balance on your account, it remains due, according to the terms and conditions of the account. If you have any questions, please call the phone number listed below. 

Sincerely, Synchrony Bank XXXX ''
Product: Consumer Loan

In XXXX XXXX sold my XXXX XXXX XXXX auto loan. Systems & Services Technologies , Inc ( SST ) manages all aspects of this loan and XXXX has no knowledge of any activities related to this loan. When I first received the notice of the sale, I realized my minimum monthly payment amount was not accurate. I notified SST about this error and was told it will be investigated. Their investigation did not uncover any error. I tried several times to resolve this matter, but I had no success. When my loan was with XXXX it was auto drafted from my account BIMONTHLY for {$150.00}. Therefore, I was paying {$300.00} per month when my minimum payment was {$280.00}. SST has my minimum payment set at $ 150 MONTHLY. My maturation date was XXXX XXXX, XXXX and SST is still attempting to collect payments despite the fact that I never missed a payment and I already reached my 75-months term. Still no one will look into this matter at SST or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Debt was paid in full when they garnished my tax refund check in XX/XX/2013 I have contacted the the department of education on several occasions but they have failed to submit me the information validating the debt is very frustrating. I'm trying to buy a house and i cant get them to remove this negative information from my credit report. There is a big discrepancy on my report with Direct loan Consolidation as well which is very confusing both student loan companies are reporting inaccurate information. I was young at the time and didn't know the severity of this situation and how it affects my credit. Please help me with this situation as i try to progress to be a productive citizen.
Product: Credit reporting or other personal consumer reports

these are the accounts i marked as inaccurate 1 XX/XX/XXXXXXXX {$23000.00} I disputed inaccuate loan amount, car was reposessed and sold by original sales company that left a balance of XXXX XX/XX/XXXX on original purchase price. no action taken by company to fix the inaccuracy. 

2 XXXX XXXX XXXX XXXX {$2400.00} I Disputed the account was not mine no action taken by company. 

3 XXXX XXXX XXXX XXXX {$2200.00} I Disputed account not mine no action taken by company 4 XXXX XXXX XXXX {$2000.00} I Disputed account not mine no action taken by company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Experian XXXX XXXX XXXX amount {$10000.00} has a 90 day late payment on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  : {$10000.00} has a 120 day late payment. These 2 ACCOUNTS ARE REPORTING MISMATCH INFORMATION. Remove immediately *Experian XXXX XXXX XXXX  Amount : {$3600.00}, Date opened : XX/XX/XXXX This account is reporting a 90 DAY LATE PAYMENT. 
*XXXX  XXXX XXXX amount {$3600.00} is reporting a 120 day late payment. These 2 accounts ARE REPORTING MISMATCH FALSE INFORMATION. Remove immediately. 

*Experian XXXX  XXXX XXXX  Amount : {$1800.00} Acct # xxxxxxxxxxx XXXX Date opened : XX/XX/XXXX is reporting a 90 Day Late Payment *XXXX XXXX XXXX XXXX Amount {$1800.00} account is reporting a 120 Day Late Payment. These 2 ACCOUNTS ARE REPORTING MISMATCH FALSE INFORMATION ON MY CREDIT FILE. REmove immediately. 

*Experian XXXX XXXX Acct # XXXX Date of inquiry : XX/XX/XXXX This account does not belong to me, remove immediately
Product: Credit card or prepaid card

My account was paid in full - and due to fraudulent activity charges were made to my account. After many conversations with US Bank, these transactions were reversed, confirmed that they were fraudulent, but US Bank never contacted the credit bureaus to wipe the late payments from my credit report.
Product: Money transfer, virtual currency, or money service

I sold a piece of equipment on XXXX on XX/XX/2020 for {$5000.00} ( included shipping ) And we used paypal. When The money came to my paypal the buyer tried to file a dispute. The dispute was settled by paypal in my favor. I now have $ XXXXUSD in my PAYPAL account that is ( available ) but i can not do anything with the money i want to withdraw it into my personal bank account but Paypal has permanently limited my account and they are saying they can hold my money for 180 days. The reason for holding the money is in case of any charge backs. Well the customer already tried to do a charge back and was unsuccessful so now PayPal is just holding on to my money for no reason. Please Help Desperate for my money.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an ongoing issue regarding inaccurate collections accounts on my credit profile. I have previously disputed these accounts approximately 60 days ago, but they have not been removed or corrected. 

I C System {$780.00} XXXX XXXX  {$520.00} I believe that these inaccuracies are adversely affecting my creditworthiness and financial standing. Despite my efforts to rectify the situation through the dispute process, the collections accounts persist on my credit report. 

I kindly request your assistance in investigating this matter and facilitating the prompt removal of the inaccurate collections accounts from my credit profile. 

Your prompt attention to this matter is greatly appreciated. If you require any further information, please do not hesitate to contact me.
Product: Credit card

My credit report shows a new Sync/Care Credit account, which I did not open. I have tried to contact the phone number listed for Synchrony Bank six times. They are typically only open to receive new applications. They have transferred me to their fraud department three times. Twice I was disconnected. Today, I spoke to a representative for over 10 minutes. He then proceeded to tell me he could not find an account for me with JC Penney. I explained, for the third time during our conversation, that I was calling about a Care Credit account with Synchrony Bank. He said he would have to transfer me, and then disconnected me. 
I will be attempting to file a police report today, which I know wo n't be easy. I have setup a credit monitoring service, which is unfair that I have to pay for, to prevent crime being perpetrated against me.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I can't understand why they're there. When I checked my report as usual, I was shocked to find these discrepancies. I even tried refreshing the page, hoping it was just a glitch, but the inquiries remained. I'm deeply troubled by this and request that the documents I've provided be thoroughly reviewed to prevent this from happening again.