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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now
Product: Money transfer, virtual currency, or money service

XXXX provided unauthorized access to my XXXX password protected profiles which enabled unknown individuals access to my business profiles and personal banking information. I do not know for how this has taken place but I do know that monies have been removed from all of my banking accounts and I have been disallowed from creating or accessing of my former or any new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act XXXX FRCA ), section 623, subsection ( 8 ) ( D ). I am demanding a reinvestigation and I would a freeze placed on my file for the two fraudulent accounts listed below. The specific information under dispute is fraudulent. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA
Product: Debt collection

On XX/XX/XXXX, i went to the dentist to get all new XXXX. i had insurance that paid part of my XXXX XXXX. On XX/XX/XXXX, Imade my first payment of {$150.00} online with XXXX XXXX.My first balance was {$3800.00} for the 2 year interest free payments that start on the date of completion of services for that stage of dental work.I made all my payments exceeding the minimum amount every month for the 2 years.On12/6/21, XXXX XXXX added another {$2800.00}. That would make my total bill owed {$6700.00} total, But the second amount not due until XXXX. I paid my bill every month never missing a payment. there website I made all of my payments through was down several times, so I couldnt make a payment that day, so they tried to charge me a late fee a couple of times. I called them and they supposedly took them off, but didnt. Another very disturbing act by XXXX XXXX wasevery month from XX/XX/XXXX, they were charging me for XXXX XXXX insurance I never signed up for .I called them several times and told them to take the unauthorized charges off of my account.They finally stopped charging me for expensive insurance I never signed up for.I paid this account off in FULL on XXXXI am sending proof of every transaction I made as per my bank account, and XXXX website amounts they now have deleted for no one to see. When Midland credit management sent me smile gens invoices from my account, It was missing several months of payments, and inaccurate amounts for months i paid in full. Their documents were showing XXXX XXXX paid, when infact i paid XXXX XXXX a month. I have now sent my proof from XXXX XXXX  of all the amounts that were taken from my bank account with all the dates included to XXXX XXXX and midland credit management. smile gen charged off the amount they said i owed and added XXXX XXXX to the amount!!!! thats FRAUD. please see attatched amounts, dates of payments, and totals on attatchments. These fraudulent actions have caused me harm in many ways with my health, and my credit report, that was very good before. Please take immediate action on this bogus case. Thank You.
Product: Debt collection

Hello, i have XXXX accounts on my credit report that i paid in full. ( XXXX XXXX XXXX was Paid XX/XX/XXXX ) and XXXX XXXX was paid ( XX/XX/XXXX ). These accounts arent accurately reporting on my credit reports. The amount i paid to ( XXXX XXXX  was XXXX and XXXX XXXX was XXXX. I sent in dispute letters, i submitted a dispute over the phone with a representative and i did XXXX online. I submitted a picture ID, alone with a copy of the paid debt from the collection agencies. 
i also ask if they could remove the inaccurate address on my account. i sent a copy of my Drivers license. still not updated properly. 

Also, the account number on the paid documents the collection agencies gave me do not match the original creditor.
Product: Payday loan, title loan, personal loan, or advance loan

Around the date XX/XX/2023 a collection agency reported an account that Ive never opened or applied for. I would like this account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

To Whom It May Concern, I am filing this complaint regarding the excessive delay in processing my Borrower Defense to Repayment application and the financial burden it has caused me.

I originally submitted my Borrower Defense application on XX/XX/XXXX, and according to the original timeline, a determination ( approval or denial ) was due by XX/XX/XXXX. Additionally, under federal regulations, if a Borrower Defense application remains undecided beyond the required timeframe, the borrowers claim is supposed to be granted. Despite exceeding both deadlines, my application remains unresolved.

I have made multiple attempts to obtain an update from both the Department of Education and my loan servicer, Nelnet, but I have been repeatedly informed that it will take an additional year to determine the status of my application. In the meantime, I am still required to make payments on my loan, and it continues to accrue interest. 

This situation is causing unnecessary financial hardship and is in direct violation of federal guidelines governing Borrower Defense claims. I respectfully request that the CFPB investigate this matter and ensure that my application is reviewed and resolved in a timely manner. Additionally, I request that my loan payments and interest accrual be paused while my application remains in limbo.

I appreciate your prompt attention to this issue and look forward to a resolution. Please feel free to contact me at XXXX or XXXX XXXX XXXX should you require any additional information. 

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

On XX/XX/2023 I had noticed a addition to my credit report indicating that I had a new account with a personal loan in the amount of {$240.00}. I have never made such a account. I contact the company to ascertain how this account came into existence. 
I was told that it was me yet it was not. After several emails back-and-forth and a phone call I am left with the response being that the account was done by me. I disputed the account with Equifax and the dispute came back, not in my favor. Then the XXXX XXXX  responds back in an email saying that I need to have this report that XXXX writing to send them so they can look into it. Again I opened up no such account or borrowed any money from this company the question is who did what account did this money go to because it was not mine. Anyone does their homework like I shouldve any XXXX search of this company will show you nothing but bad review and warnings they are a scam. 

Attached youll find the convo thread with their support as well as a copy of the promissory note I allegedly signed. I did not. But the name on the promissory note is a date. And the beginning date is my name. There is no signature on the note. And its worded awfully. This isnt even a legal contract.
Product: Credit reporting or other personal consumer reports

I disputed an account with XXXX XXXX twice for incorrect information being reported on my credit report. I requested that the company provide documentation to prove the payment history because the payment history is reporting inaccurate and incomplete information, which is a violation of the Fair Credit Reporting Act. The company did not provide documentation of the payment history. It has been 3 months since they received my dispute. The time is up to respond and now this account must be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I purchased a used vehicle that was financed through XXXX XXXX. The vehicle was charged off in XXXX of XXXX by XXXX XXXX, However, XXXX XXXX continued with threatening collection activities to include threats of repossession of the vehicle all the way through XX/XX/XXXX. 

I never received a XXXX from XXXX XXXX for the charge off that they claimed on my personal credit report which is still showing today XX/XX/XXXX as a charge off on my personal credit report which is impacting my overall FICO score as a result of the incorrect reporting. 

I made an agreement with XXXX XXXX  to pay an agreed upon balance they claimed was still owed on the vehicle although they received a tax credit from the IRS for the written off balance owed on the vehicle. The reason why I made the agreement was because XXXX XXXX continued to threaten collections and repossession of the vehicle until the balance they claim was owed was paid on the vehicle. Therefore I am requesting a 1099c from XXXX XXXX which they were supposed to have provided to me once the account was charged off. 

I paid the agreed upon amount they requested and still had to wait over 4 months from XXXX XXXX to release the title to my vehicle. XXXX XXXX has caused a great deal of stress upon me during my dealing with their customer support and other departments within this past year alone regarding the account. I no longer choose to do any type of business with XXXX XXXX ongoing in the future and at this point, I am requesting a copy of the 1099c from XXXX XXXX that they were supposed to have provided to me once the account was charged off, so that my taxes can be prepared properly. 

Based upon my personal credit report, the account was charged off in XXXX of XXXX, however, XXXX XXXX continued to go after collections on the account through XXXX which resulted in my paying an agreed upon amount to settle the debt that they stated that I still owed on the account, although they received a tax credit from the IRS for the charge off amount on the account.
Product: Checking or savings account

Payment electronically sent from my checking account to credit card account on XX/XX/2018 ( due date XX/XX/2018 ) but was not received by credit card company until XX/XX/2018. I incurred a late fee and interest charges as a result of the late payment. My bank would not accept any responsibility for the payment taking 8 days. Credit card company would only reduce late fees and interest charges by 42 %. I asked my bank to cover the remaining charges and they refused.
Product: Debt collection

On XX/XX/2024 I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked their procedures if someone is going through a data breach and experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed an ID theft affidavit which I will attach here. XXXX caused the latest data breach. I also filed complaints with XXXX  and the Attorney general for consumer protection. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires not authorized : XXXX XXXX  Miscellaneous, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a pin from XXXX XXXX, Transunion, XXXX, XXXX, i have a had some fraudulent activity on my credit report and want to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... CREDIT  COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

It seems this XXXX  day late still showing on my credit report on other third party sites like myFICO. can you confirm this XXXX  day late removal will be reported to all bureaus and third parties?
Product: Debt collection

InAccurate Reporting to the credit bureau. I have mail letters to this company about their reporting to the credit bureau about an account that's not mine. 
First off the Address is not my I HAVE NEVER EVER HAD THIS P.O.BOX ADDRESS that is in there letter. That they finally sent me as verification. The FCRA stated that If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. And as we all know if you apply for something on credit you have to sign for it. It can be a credit card, cell phone, house, car. so I am asking where is the sign Document with my signature. NEVER GOT THAT DOCUMENT. This is the fourth letter that I have sent this company about this matter. So Can You Please Help me get this inaccurate information removed from my credit report. Also, the rep from ERC said that they don't care if I contract you will not doing anything anyway to help me. Because ERC is above you and your laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union posted a hard inquiry that I didn't authorize by a company named XXXX XXXX. I live in Mississippi. This company is XXXX. I want them to take this inquiry off my report because I did not authorize it.
Product: Credit card

Experian is persistently reporting an account that does not belong to me. Despite multiple letters sent to them, they continue to remove and re-add the erroneous account to my credit files. This account and balance do not belong to me, and it is clearly a case of fraud/identity theft. XXXXXXXX XXXX has explicitly stated in a letter that they would remove this account ( letter attached ), in addition to the police report and FTC report that have been filed. This blatant disregard for regulations and continuous harassment are unacceptable. I demand immediate action to rectify this issue and remove this account from my credit file.
Product: Debt collection

Coastal Credit, LLC out of XXXX, TX contacted my neighbor on her cell phone several months ago and left a message that they were trying to reach me. I called back and it turns out they 're trying to get in touch with a woman who shares the same first and last name as me, who lives on the opposite side of the state. She has a different middle initial and is a decade younger than myself. I know this because he tried confirming I was her by giving me her full name, date of birth and city of residence. 

Today, I get a call from a coworker who says she got a call on her cell phone from Coastal Credit, LLC trying to reach me. I called back and it was the same person from Coastal Credit still trying to get in touch with this other person. He tried confirming I was this other person by giving me the street she lived on. I had enough information between both calls to pull up this other persons address, phone number, prior and scheduled court dates and public voting registration. 

Coastal Credit has been told twice that I 'm not the same person they 're looking for, have no outstanding debt, no account with them and they 've been asked to stop contacting me and my known associates. When I asked how they got my neighbors and coworkers information, the response was, " It 's just what we do. '' I have no idea how my information has been mixed up with this other persons even though we share a first and last name, but on two occasions they have contacted friends and coworkers. If I 'm not mistaken, according to the Fair Debt Collection Practices Act, they ca n't contact 3rd parties trying to collect a debt. They also shared this woman 's information to a 3rd party to the degree that I could walk up and knock on her door if I were inclined to drive across the state.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Closed yet another complaint but flip flopping on explanations that mean and do absolutely nothing BUT STALL
Product: Debt collection

I received a letter on XX/XX/year> from XXXX XXXX XXXX where XXXX XXXX is the attorney. 
The letter stated that I have a debt from Golden 1 Credit Union with account number XXXX and the total debt is {$8000.00}. I sent a registered debt dispute letter to them on XX/XX/year> because I have never heard of Golden 1 Credit union and have never done any business with anyone from that company. I heard about them for the first time through the letter. 

I also attached a police report number in the debt dispute letter - XXXX
Product: Vehicle loan or lease

The company that I got the car from disappeared, closed down. They was suppose to fix the car but the owner got arrested but we still tried to pay the car off. The threatening calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit. Unauthorized inquiries that I did not consent to
Product: Debt collection

calling my husband harassing him telling him they will sue for money not owed to them, consistently pursuing my husband to give them information about anothers information he does not have.
Product: Debt collection

I never made a contract with AWA, I sent a letter and Im mailing a copy to CFPB as well according to Section 609 ( a ) ( 1 ) ( A ) XXXX, XXXX, and XXXXx are required by Law and AWA Collection Agency to provide proof that I intact had a signed sealed and delivered contract and I did not and this was paid I want it removed and they have also fraudulently placed a date saying I started a contract with them on XXXX and thats not true they can not create a false date and a false contract and thats what they have done. This contract to my understanding was from XXXX with a company called absolute bail bonds when I verified I was told this was originally opened 13 years ago. I am a victim to fraud at this point and absolute has lied saying I made a payment on the account on XXXX and thats fraudulent as well I don't owe this why would I pay it.