23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Someone used my information including my SS number to open credit cards in my name. I know who did it. It was XXXX XXXX his phone number is XXXX. It was mostly Capital One Quicksilver and Capital One Walmart but he also used it for other cards
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 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 Balance : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} Medical XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent Equifax a certified letter disputing inquiries on my consumer report and I have no idea about and that I want them deleted. They did their investigation and everything came back verified but not supplying any evidence that I made these transactions. The law clearly states the following.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( Fair Credit Reporting Act CFR 604 ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 USC 1681n Civil Liability for willful noncompliance ( Fair Credit Reporting Act 616 ) ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Consumer Loan

XXXX XXXX payment paid XXXX/XXXX/16. Santander reports payment XXXX59 days past due. Payment came out my account XXXX/XXXX/16. Santander reports no payment for XXXX in the historical account information section and XXXX59 days past due is the negative information reported. In addition, I made payment in XXXX for twice the amount of the monthly payment and Santander refuses to apply the payment correctly. This has happened twice in the past where the branch applies the payment Incorrectly. The branch told me to contact customer service and customer service refused to apply it correctly and refused to update my credit report. They only updated it to show I made XXXX 's payment after the first dispute but did not update over 30 days or historical account information to show XXXX payment. I request for Santander Bank to accurately report the correct information for XXXX/XXXX/16 payment to all XXXX bureaus since I have to bring this matter through Federal Trade Commission.
Product: Debt collection

I contacted the Offices of Timothy & Sullivan on today XX/XX/2017, to settle a past due debt that I have. I was advised that XXXX ( Provided no last name ) was assigned to my case. I spoke with XXXX, he refused to accept my offer, he also refuse to sent my request to their client. I advised XXXX since he refused that I will make other arrangements to pay the account. I then contacted the paralegal who was handling the account, XXXX who was every kind and helpful. After ending my call with XXXX I received a call back from XXXX asking ( more confirming ) my employer, my work number phone number. He then threatened to send a wage garnishment to my employer. I advised XXXX that I was working with XXXX, he spoke over me in a very rude and unprofessional tone. I eventually had to hang up the phone as he was being very disrespectful and demanding I pay the account today. I then realized that XXXX contact me on my work phone. I request the Offices of Timothy & Sullivan not contact me AT ALL. Any communication be sent via mail or from XXXX directly.
Product: Credit reporting or other personal consumer reports

Ive submitted claim for identity theft with XXXX and Transunion many times the creditors arent removing account with supporting documents. 

XXXX is the only company who has done there job properly
Product: Debt collection

This collection agency called RADIUS GLOBAL SOLUTIONS put a fraud account on my credit report trying to say I owe on a wireless cellular account that was open XXXX which isnt true because I havent opened no new cellular account. I havent gotten any notification from this company. The only reason I knew about this fraud account is the fact I got a notification that it was a new account added to my credit report. I even disputed on my credit report, and they wont remove the fraud account that they added to my credit report trying to get me to pay for something that isnt mine
Product: Credit reporting or other personal consumer reports

please delete the following account and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$360.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$5900.00} Account Name : XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$540.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Please Delete Fraudulent Hard Inquiries Immediately thats listed below XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In chexsystems, there is a bank account blocking me from obtaining accounts and getting the help I need. I disputed the matter online after obtaining the report. Tried to call several times and got hung up on twice. The report states that I have a {$4100.00} charge off from XXXX XXXX XXXX from XX/XX/year> account number ending in XXXX. This account does not belong to me and either was opened fraudulently or is a mishaps on part of the issuing bank. It needs to be removed from the report immediately with haste so that it doesnt hurt me further. If not taken off I will consult with my congressman, the local news and legal counsel along with my state attorney general, XXXX district attorney and if need be higher! This has caused me great pain and am having to deal with the causes of this on my account. I just need it removed please!
Product: Credit reporting 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. 

Account name : XXXX. XXXX Account number : XXXX, Account name : XXXX. XXXX, Account number : XXXX, Account name : XXXX. XXXX Account number : XXXX, Account name : XXXX. XXXX Account number : XXXX, Account name : XXXX. XXXX Account number : XXXX, Account name : XXXX. XXXXXXXX XXXX Account number : XXXX, Account name : XXXX. XXXX XXXX  Account number : XXXX, Account name : XXXX. XXXXXXXX XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX. XXXX Account number : XXXX, Account name : XXXX. XXXX Account number : XXXX, Account name : XXXX. XXXX Account number : XXXX, Account name : XXXX. XXXX Account number : XXXX Account name : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name : XXXX. XXXXXXXX XXXX XXXXXXXX Account number : XXXX 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 ms 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

On XX/XX/XXXX, I went to see my XXXX XXXX, XXXX XXXX, a XXXX XXXX. It was not billed that way. It came through as XXXX XXXX, who is not my doctor. While this has been explained to me as merely a " coding '' anomaly, I do not pay people I do not know. Eventually, this item was removed from my statement. I believed in error, that they realized their mistake and removed it. This was not the case. Instead, it was handed over to Credit Control Corp here in XXXX XXXX, VA. They claim they mailed me a letter in a plain white envelope to notify my of their intent to collect. I did not receive this letter. I doubt it exists. I only found out about this collection when it appeared on my credit. I called, and told them I don't have a problem paying the bill if it's legitimate, but won't pay it if it's not. I asked if they would remove it if it were paid, they said no. I have since called XXXX and figured out this was a bill for me, even though none of the presented facts line up. I'm willing to pay, in fact, I have dealt with Credit Control in the past. Despite my efforts, some bills will slip by me. There were a few years where I was not well and had many, many bills. 

The heart of my complaint is threefold. 
First, failure to notify. I had no ability to dispute a debt. 
Second, I make regular payments to XXXX and my payments say XXXX XXXX XXXX on them. These payments were set-up for previous debts, but I would think that payment on an open account would prevent collection. 
Third, they are yet to provide me with validity of the debt or even offer it. The first person I talked with stated that previous statements from XXXX would be my notification. 

I only seek to have this removed from my credit. It appears, now that I have researched it, that this is my debt. I'll pay it. 

The timeline so far is ... 
Service on XX/XX/XXXX Disappeared from Statement in XXXX Collection noted on my account XX/XX/XXXX. 
Called Credit Control XX/XX/XXXX. 
Called Credit Control XX/XX/XXXX. 
Called XXXX/XXXX XXXX XX/XX/XXXX. 
Wrote this complaint XX/XX/XXXX. 

Please help. It's ridiculous to go from XXXX to collection without so much as a conversation. 

Thank you, XXXX XXXX.
Product: Student loan

I have multiple late payment reported in my report from Salle Mae and XXXX XXXX XXXX dating back XXXX through XXXX for my account. The reason for the late payments was that after graduating in XXXX I could n't find a job for a long time. Once I did I attempted to make the payments but it was never enough. My parents did n't want to let me live in their apartment and I was forced to move out and stay with a friend. I fell behind on my payments in order to pay for rent and food. It was very rough and I did n't know how to explain to my creditors at the time that I would need some sort of deferment while I was handling this issue. I did n't know a thing about how to manage my money then and I made the mistake in falling behind. It was n't until late XXXX that I 've manage to get back on my feet and had the ability to manage my money better. Since then I 've been working hard to keep my record clean. I 've been keeping up with payments and took responsibility for my actions. That being said, I still bear a black mark on my record which is prohibiting me finding a place to live. This is very concerning because I may find myself out on the street. I do n't keep in contact with any family member and I have no other choice but to try and get rid of this mark so that I may find a place to live. I would be extremely grateful if these marks could be removed.
Product: Debt collection

Additional information for CFPB complaint # XXXX about XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, XXXX responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from XXXX the account was charged off and transferred to SIMM ASSOCIATES, INC See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my Equifax, XXXX, XXXX consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XXXX  XXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX  XXXX  Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XXXX, XX/XX/XXXX,, XXXX XXXX  XXXX XX/XX/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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

Hello my name is XXXX XXXX and this is my complaint it is on two credit card companies one is Chase XXXX credit card and the other is XXXX XXXX I have always made my payments on time sometimes I make two three payments a month not trying to ruin my credit or anything but they are and I've got proof every time I try and talk to him they get rude and hateful with me they won't listen they keep telling me they don't receive my payments when I know for a fact they do because it's in my bank statements my text notifications and everything else I've got pictures I will send please can somebody help me I'm a single full-time father and one of these days I'm going to need to rely on my credit don't let these two ruin me
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have tried repeatedly to log in to my credit report on the Trans Union Website. 

This is a right every consumer has by law under the FCRA. I am entitled to log in and review my credit report for accuracy at any time by law. 

Yet Trans Union refuses to grant me access to my credit report and also is preventing me from filing any disputes to inaccurate items on my credit report. 

This as after XXXX previous agents the same day successfully verified my identity and advised me by phone I should now be able to log in and review my credit report without problem. 

On XX/XX/24, I had a long phone call with XXXX " XXXX '' ( spelling? ) in the advance fraud/identity theft department. He very clearly told me Trans Union refuses to allow me to log in and manage my credit report. 

This is a clear violation of my consumer rights under the FCRA and various other laws regulating discrimination against consumers. 

I recorded the phone call, likely as did Trans Union. I am sure they can review the call. 

Highlights of the ridiculous phone call : XXXX advised spoke for the entire company all the way up to the CEO level. 
There is nothing I can do. 
I asked to speak with upper management. I was told I am not allowed to escalate or speak to management. 
I asked who I could speak with to simply restore my online access. I was clearly told many times, in many ways that it simply is not going to happen. 

When I suggested this practice is very illegal, and a violation of my rights, he made it clear I will not even be permitted to speak. to the legal department. 

The result is I have been refused access to my credit report and I have been refused access to the online tools to correct and dispute items on my credit report. Trans union has clearly articulated to me ( call recorded ) that this is a final decision that I may not appeal, let alone question. 

THIS IS ILLEGAL.
Product: Credit reporting

The security questions asked by Equifax to prove my identity do not apply to me. It asked about a mortgage and credit card I do not have and never had. For this reason I am unable to get a credit report. I believe my identity has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

I had several hard inquiries on my account that I did not authorize. I called and sent several dispute letters. 

Company TransUnion Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Company Experian Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : Dont show XXXX XXXX Date : XX/XX/2020 XXXX card
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally regarding late payments on my credit record. I sent letters addressing this issue over 30 days ago but have received no response or adequate validation. I'm now seeking your help to resolve this situation.
Product: Debt collection

ENHANCED RECOVERY CO L IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND ENHANCED RECOVERY CO L IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. ENHANCED RECOVERY CO L is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries showed up on my credit report today, and I have no explanation for why. These discrepancies werent there before, and refreshing my browser didnt resolve the issue. The fact that this persists is beyond frustrating, and I urgently request a detailed review of the documents Ive sent to ensure I never have to deal with this kind of problem again.