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

have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX  Account # XXXX Account Type Bank Credit Cards XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX  XXXX  XXXX Account XXXX XXXX Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX , IA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account XXXX XXXX Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX  XXXX  A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX  XXXX Account # XXXX-XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P XXXX 036 Months Comments STUDENT LOAN ASSIGNED TO XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a collection account on my report I have no knowledge of. I have had the same carrier the last 6 years and its not XXXX. I contacted them and they dont even have my social or ID / its my name similar thats it - they are reporting false information and its not my account -
Product: Credit reporting or other personal consumer reports

i'am writing to dispute the following information on my file i have reviewed my credit report and identified inaccurate as well as out dated information that i will like to have removed or corrected under the fair credit reporting ACT ( FCRA ), 15 USC 1681
Product: Mortgage

I am writing because XXXX XXXX has foreclosed on my home using what I believe are fraudulent documentation.

They submitted a Deed of Trust that is not even recorded in the county, it does not bare my signature. Once I pointed that out to the court they then went to the county and submitted my deed of trust that is recorded in the county. Please see their motion attached. They also are a debt collector claiming to be the secured party and foreclosed on a debt they claim is twelve years old. They foreclosed on a debt they claim defaulted in XXXX, which exceeded the statute of limitation. Even if they were the secured party ( which I believe they are not ) they are trained and should be familiar with the statue of limitation as they are registered debt collectors. This is why I believe they have committed theft over {$300000.00}.

Just because a foreclosure has taken place does not mean it's a legal foreclosure and that no crime has been committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/14 I made a call to XXXX XXXX and spoke with Manager XXXX XXXX. I explained to him the issue i gad with an account on my credit report with Key 2 Recovery. Back in XXXX I disputed the account as no knowledge of account and mandated that XXXX  not just tell me the account was verified, However I requested proof that the account belonged to me, I asked for any contract showing my signature, or anything the may have to show I actually owe this debt. 30 days later I received only a letter saying verified no proof as I requested, on today when I spoke with the manager I was told the don't have to provide anything and that they actually, just take the word of what ever the creditor tells them. Therefore not investigating as required by law!
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS! INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THESE ACCOUNT! FTC WAS SENT THEN TRANSUNION PUT THEM AS COLLECTIONS. PLEASE HAVE THESE REMOVED! THESE HAVE BEEN REMOVE BEFORE AND TRANSUNION PUT THEM BACK ON! PLEASE HELP! 

1.XXXX XXXX XXXX # XXXX {$210.00} 2.XXXX XXXX # XXXX. {$65.00} 3. XXXX XXXX XXXX # XXXX {$630.00} 4.XXXX {$73.00} 5.XXXX XXXX XXXX # XXXX {$6800.00}
Product: Student loan

I have been making payments to Navient for 2 years. The amounts going to the interest should be decreasing not fluctuating from different months. For example, my monthly payment is {$430.00} first payment made on XX/XX/XXXX {$79.00} principle and {$350.00} interest. One year later XX/XX/XXXX {$85.00} principle and {$350.00} interest. Earlier this year I began making payments 2-3 weeks earlier then due date. On XX/XX/XXXX I made the XX/XX/XXXX payment, {$200.00} went to principle {$230.00} interest. On XX/XX/XXXX the entire {$430.00} went to interest. I contacted Navient, first representative, XXXX, put me on hold and disconnected me. I call back the representative, XXXX XXXX, not sure of spelling, told me because I made the payment early, there was 40 days of interest that had accrued and this is way they took the entire payment for interest. I told him the payment is not due until the XXXX and he said it did not matter. I am not a fool and this is a lie. I have been making my payments on time and Navient allocates they payments the way the chose. I know about the lawsuit filed against them, so I am not the only person. We struggle to make our payments and should not be treated like this. Your attention into this matter is greatly appreciated.
Product: Debt collection

I was called several times by Debt Management Inc, they were claiming to be a debt collector and wanted me to verify my full social security over the phone. I chose not to do so as I 've had my identity stolen in the past. They claimed to have sent letters, which I never received. They also continued to call me in a harassing manner ( XXXX calls a day ), after I asked them to communicate through written correspondence. XXXX day, I received a voicemail, stating that they were going to file suit, had retained attorneys, and that I had XXXX hours to call them " or else. '' I notified the agent that I was recording the call, he said that it was unlikely that I was doing so, he also asked if I liked not paying my debts and asked if I wanted to go to jail. He hung up, called me back and continued to refuse to email me any sort of verification until I told him that unless I received an email of the debt ( ie : receipt ), that I would n't pay. Without my prompting, he said the last XXXX of my social security, current address, previous address, my full name, and other sensitive information without verifying who I was. After I verified the bill of {$60.00}, I asked to talk to his supervisor. His supervisor got on the phone, started to incoherently scream at me, and when I let him know that I 'd like to record the call, he started screaming that he could have me sued and arrest me if I was recording him. He also said that he could record me but I was n't allowed to record him. Not only was my personal information given over the phone, I was threatened XXXX to be arrested, but I was harassed. As somebody who pays all of my bills and with a flawless credit history, this was a scary and upsetting experience. The health clinic also stated that despite paying, they 've reported me as " refusing to pay. ''
Product: Debt collection

This is a complaint related to other complaints I have already submitted. 

Case numbers of the related cases are XXXX and XXXX. 

As of today I have still not received any verification of the debt and am still getting collections attempts via email. Attached is a copy of the most recent communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

these accounts were opened fraudulently without my knowledge or consent
Product: Debt collection

XXXX XXXX ACCT. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. ACCESS CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.
Product: Credit card

On XX/XX/XXXX i received a text from Citibank notifying me a fraudulent activity. I canceled the card. A new one was issued and submitted a dispute. Because I was honest and said the card was in my possession, which it was theyve determined that I made these charges. The charges were not made near my home and I have not used the credit cards since XX/XX/2023. Because I was honest and said I had the card in my possession. Theyve determined I made these charges. 

I will pay the charges because I dont want them reported to our credit reporting agency, but Citibank is wrong. I did not make the charges and theyre the ones that notified me of them. Please give me back my money.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  XX/XX/year> SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Prior to covid 19 I had broken my hand and for most they could get through this me unfortunately I only have one fully functioning arm my right arm is about 99.9 % non usable that had started my late payments prior to covid I did go into a forbearance program with Mr. Cooper and at the time was never advised of certain things such as you can not have 3 loan modification nor can you refi during a forbearance program. I have tried to resolve this matter on several occasions with MR Cooper and comes to find that some mortgage info doesnt seem to be accurate which requires me to research 17 years of 3 different banks / services unfortunately with my situation I could never join the military to receive any help and there doesnt seem to be much help for others with a disability Im basically 35 thousand the cost of a new cheap car and I can receive zero help in my situation and I dont believe this is a fair act I lost family members during the covid out break and had to also be a care giver for my father that passed all Im asking is for the serviced to give me a chance to get back on track with my mortgage and they have refused to cooperate do to the guidelines that are set in place and Im pretty sure if I reach out to a law firm there will be justice there is no need for this to go any further other then corporate greed when at the end of the day they talk about something that doesnt actually exsist money its created out of thin air and we just pay the price back to inflation all I want is help this should not happen. Thank you
Product: Debt collection

in reviewing my credit reports I found this account that is not mine and not recognized. I have medical insurance and any care would have received would have been covered and paid by XXXX.
Product: Credit card or prepaid card

I have  a JC Penny Plati num Card which is provided by Synchrony Bank. I have recently been approved for a  XXXX   XXXX  card and accepted primarily due to there 0 % APR on balance transfers for 15 months. Upon trying to transfer m y Penny 's balance   to the  XXXX  card unsuccessfully I contacte d Penny 's car dholder services. I was told that Synchrony Bank did not allow their balances to be transferred electronically. Are budget is tight and I feel that it is unfair for them to prevent me from transferring my balance to another bank with a lower interest rate.
Product: Credit reporting or other personal consumer reports

My account with those accounts 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 those account 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.

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, credit repair services, or other personal consumer reports

experian continues to reage and resell ancient data about inaccurate accounts- XXXX had me take out a loan but refused payments, XXXX is doing same and in title holdover status right now. This is credit XXXX by XXXX corporations that only care to ruin peoples lives, not help them rebuild. XXXX and XXXX are extorting new accounts- even after they got paid. These companies own XXXX % of credit card market and should be investigated. same with XXXX XXXX XXXX XXXX XXXX continues to refuse the XXXX difference owed me. XXXX XXXX  is refusing new accounts- for years they refused to remove errorneous data- refused to close the accounts and extorted me. XXXX XXXX XXXX recently is doing same even with banking history with them. XXXX XXXX XXXX upside down XXXX :! so you cant get out from under them, throws mandatory XXXX XXXX in your face ( it is mandatory unless you have XXXX in your pocket when buying the car, most dont ) and continues to extort. experian continues to report slanderous statements whic are simply not correct.
Product: Debt collection

A Credence Resource Management collection account appeared on my credit report, though Credence Resource Management never attempted to contact me by any means of which I am aware. 
I was notified by my credit monitoring service by email on XXXX XX/XX/year>. I was never once contacted by Credence Resource Management, and Credence Resource Management never provided me any information regarding this debt
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX  score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Checking or savings account

On Monday XX/XX/XXXX i deposited a check in the amount of {$2700.00} to my Bank of America checking account. On Tuesday i looked at my account and the deposit went through without a hitch. I started withdrawing funds from this check. On Wednesday Bank of America received notice from tbe check 's bank that the check was probably not going to clear. Wednesday i had made two online payments not knowing my bank decided to put a hold on this check. When i came home that evening and looked ay my checking account i was horrified to see that my account was overdrawn. The bank decided on Wednesday to put a hold on the account. I do not have a history of accepting bad checks or writing bad checks. If we went through my account we would probably find that the only time i was charged an NSF fee was when someone took money out of my account that i did not authorize. As of this date i have received absolutely nothing that there was a problem with this check. It is through my own vigilance thst i even know about it. My dilligence had the money replaced with a wire transfer on Friday, XX/XX/XXXX. The bank has charged me two NSF fees for the two checks i wrote on Wednesday. I do not think this is fair. The bank should have put a hold  on the check on Tuesday at the very latest. On Tuesday it did not appear that the bank was going to place a hold on it. How was i supposed to know not to write checks when they put the hold on the check on Wednesday? As i have already stated, i have received absolutely nothing from the bank letting me know there was a probkem woth the check. If i was not vigilant with my account, i could easily still be writing checks. Once i saw the hold, i did not write any more checks. I believe the bank should refund the two NSF fees. I spoke with a XXXX XXXX on Wednesday XX/XX/XXXX He is a supervisor in the California office. I have thought long and hard on whether this next statement is true. I truly believe it is. I thought he was noting the account not to charge me NSF fees, but there is nothing in the notes stating this. Yesterday i left a message for him to call ne. He has not done so yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report from different companies. Bank of america especially. I have had an account with them since XXXX last year. someone is fraudulently trying to open accounts with my social security number. I have not had a reason to inquire about anything else since i got the account so i do not understand why there are several inquiries after the opening that are showing. XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX /XXXX XXXX, XXXX / XX/XX/XXXX / XX/XX/XXXX / XXXX XXXX XXXX all dates after the opening of my account that have been pulled for no reason. there are several for XXXX XXXX as well. this is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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 alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX