23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Please see the occurrence report attached. My documents are about 100 pages long. I'll upload a few here and furnish the rest in an email. I've been so unfairly just with these companies. I want action against them!
Product: Credit reporting or other personal consumer reports

This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.
Product: Debt collection

On XXXX the XXXX I wrote a letter to Radius Global Solutions about account XXXX, sending the certified letter on XX/XX/XXXX demanding/requesting proof of the alleged debt that they have been reporting on my credit report. On XX/XX/XXXX I received a letter and non of my requested demands were on the letter that I received. On the letter it states that they no longer have the account, but Radius is reporting the debt on my credit report for some time now. Since they failed to provided proof of the alleged debt that they were reporting and failed to comply with my written demands I am requesting that the CFPB investigate this matter. Why? I have enclosed with this complaint the letter I sent Radius Global Solutions requesting proof of the alleged debt. Radius Global Solutions has been bouncing this account back to XXXX XXXX XXXX.I have been receiving letters from Radius Global Solutions about the debt this year. When reaching XXXX XXXX  XXXX for more Information. They state Radius is the owner of the account. I am requesting that this alleged debt be removed from my credit report immediately and indefinitely off my credit report for failure to comply with the written demands. No validation or verification was given. I requested specific information and non was given.
Product: Credit card or prepaid card

Unable to Sustain credit due to false and an accurate information on credit profile
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed inaccurate information on my XXXX credit report, yet XXXX continues to reinstate the disputed account without proper verification. Despite countless disputes, XXXX has conducted what appears to be sham investigations using faulty proceduresfailing to relay key dispute information to the original data furnisher and uncritically accepting their unlikely responses. As a result, XXXX provides confusing and incorrect updates, reinserts previously deleted inaccurate information under a new furnisher, and does not delete the erroneous account as it should. This ongoing mishandling has not only kept false data on my credit report but has also left missing and incomplete information, severely impacting my credit accuracy and rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Product: Credit reporting or other personal consumer reports

I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being
Product: Debt collection

I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day. 

During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly. 

I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered. 

I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit. 

I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain. 

The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid. 

I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my CFPB complaint number XXXX filed XX/XX/2024 in which I requested that you provide a copy of the approved purchase agreement and proof of ownership of the account in question. As of today, you have failed to supply the requested documents, which is a violation of federal and state law. 
Under both the Fair Credit Reporting Act ( FCRA ) and relevant state laws, I have the right to request this information to ensure that the account on my credit report is accurate and legitimate. Your failure to provide the required documentation violates my rights as a consumer. 
I kindly request that you respond promptly to this matter by providing the requested information. Failure to do so will leave me with no choice but to escalate this further with the appropriate legal authorities. 
Thank you for your attention to this important matter. I expect a timely response and resolution. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX Social Security number XXXX
Product: Credit card or prepaid card

Today XX/XX/2018 My husband and I contacted Chase bank to negotiate a settlement of our credit card balance. We were on the phone for almost 2 hours, transferred to 4 different people and offered a 4 monthly payments of {$8700.00} starting in XXXX which we agreed to, once we requested that they sent us the paperwork to sign, they refused telling us to go visit a credit counseling agency they recommend. We told them we didnt want to talk to a credit agency many times as we had already consulted with an agency and also a debt settlement agency as well that charges fees and will tell us to not make our payments. Repeatedly we told them that we wanted to make the agreed payments and they said that they are not disagreeing but they never agreed either. After two hours on the phone, they hung up on us and nothing was acomplished. This company is a ripoff, they are ripping off the consumer and robbing us of peace of mind and the opportunity of paying off debt. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I notified TransUnion XXXX of fraudulent credit inquiries that were added to my credit report on XX/XX/XXXX via certified XXXX mail. TransUnion did not send any response to my letter. I then sent a follow up letter on XX/XX/XXXX via certified XXXX mail letting them know that I did not authorize anyone employed by these companies to make any inquiry or view my credit report. TransUnion responded with a generic response and failed to address or provide any explanation or verification. 

On XX/XX/XXXX I was notified that their had been a glitch or breach of my personal credit file by TransUnion. The glitch occurred between XX/XX/XXXX andXX/XX/XXXX that caused all inquiries on my credit report to be deleted. TransUnion later added them all back onto my credit file without giving the legally required written notice 5 days prior to them being added to my credit report. 

On XX/XX/XXXX I contacted TransUnion via telephone at XXXX. I spoke with a representative XXXX XXXX @ XXXX CT. I reached out in good faith to ask that TransUnion delete the inquiries that were illegally re-added. The representative refused to address my concerns and stated that no such glitch occurred. 

These inquiries have brought hardship and difficulty to obtain credit. My rights have been violated by TransUnion and I am asking that the Consumer Financial Protection Bureau help stop my continued victimization. As documented, recorded, and explained, multiple violations have occurred by TransUnion. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Southeast Toyota Finance and it is reporting as late for XX/XX/2021 it should not be in my credit report due to age. I also have a late payment from the department of education for XX/XX/2021 that is showing late when I have been paying on time. That account is also from 7 years ago and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection company The Best Service Company that is located at XXXX XXXX XXXX AVE. XXXX FLOOR XXXX XXXX, CA XXXX is reporting an alleged debt on my consumer report ( XXXX, XXXX, ) that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. The Best service company has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c. 



I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent inquiries from my credit report. I am a victim of a data breach, and these inquiries are the result of identity theft. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed from my credit file. 
Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX Amount XXXX Date XXXX
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX that XXXX XXXX. 
In XX/XX/XXXX someone fraudulently used this account. 
I was notified that my payment was overdue and was referred to XXXX. 
XXXX investigated and notified me in XXXX or XX/XX/XXXX that they had confirmed the fraudulent activity on my account. 
The fraudulent charge was removed from my account. 
HOWEVER, XXXX has consistently failed to respond to my requests to remove the " delinquent payment '' on this account from my credit report. 
I have called countless times and have filed multiple appeals. The response is always the same. I am notified by TransUnion that this was a delinquent payment. 
After a YEAR, nothing has been done to correct this error. 
I was recently notified by my auto insurance company that my premium has been increased because of the delinquent charge that shows on my credit report! 
I called TransUnion and was told that the XXXX XXXX charge is STILL on my report. 
This error is continuing to have a negative effect on my credit, and it is costing me! After XXXX year of XXXX 's refusal to correct this problem, I am ready to file a complaint against them. This has gone on FAR too long!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax and XXXX on XX/XX/2023 about XXXX XXXX XXXX collections account that was opened on my credit report XX/XX/2023 stating i owe {$790.00}. A dispute was filed because I have no knowledge of this account. Equifax and XXXX marked the account as accurate and verified and closed my dispute. I have thoroughly reviewed my credit history and financial records, and no evidence of this account 's existence or any related transactions have been found. They did not provide me with written verification and validation of this debt that they claiming to be mine. I am eager to resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I sent out the dispute letters to all XXXX major bureaus on XXXX They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions.

( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : [ XXXX says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. 



Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ XXXX says : XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. 

I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
Product: Student loan

Navient does not process payments in a timely manner, even when payments are made timely or before the due date. Navient sends emails and/or statements for the next bill cycle with inaccurate payment balances ( e.g., previous monthly payment and next month 's monthly payment combined ). Navient 's website also shows your account as past due ( e.g., missed payment alert ) for an unfair amount of days, even when it shows on your account that a payment was made. 

Navient 's overall processing time for payments is poor and I don't trust that they have fair or accurate credit reporting because of their inability to have their systems operate efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ( LVNV/Resurgent ) accepted a financial settlement with XXXX XXXX XXXX on XX/XX/2020, but continue to report a negative credit balance to the credit agencies even though they have been receiving {$61.00} since XX/XX/2020. This is elderly abuse in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a complaint with XXXX on XX/XX/2021 and they sent me an email stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I am personally filing this complaint. I am authorizing this complaint on my own behalf. I am resubmitting my complaint again as i am a victim of identity theft. I am also including the laws that state your responsibility and take my complaint seriously.
Product: Debt collection

On XXXX2017 an unnamed person contacted my husband, Aunt and place of my employment claiming to be a Process Server on behalf of Advance America trying to collect on an unpaid debt for the business and that if i did not pay immediately that I would be arrested and sued criminally for my failure to pay. I gave said individual my debit card information fearing for myself, not knowing that it was a scam until after my husband contacted me to tell me he had done a bit of his own investigation and talked to a representative at this site and found that each number used for contact and the website info was all false. I have since contacted my bank and put stops on all of our accounts. Numbers used to contact us : XXXX & XXXX by scam artist.
Product: Mortgage

Countrywide office of the President CEO XXXX XXXX sent correspondence of an internal incident, how it affected me, the FBI arrest of the individual and what should do to protect my vested interest. Ultimately, fifteen years and nine months later we lost our home and countless dollars, defamation of character and destroyed credit worthiness, and unable to recover from this tragedy caused by my home loan trusted servicer. Because this mortgage lender and it gaining parties and past through certificate lenders did not honor my loan agreement in safeguarding our contractural agreement of protecting my rights as the consumer. Consequently I need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of a lawsuit showing that my motion for summary judgment against Plaintiff XXXX Card was granted. The court agreed that Plaintiff sues the wrong XXXX XXXX and/or the wrong person as my account was not the one for the basis of the lawsuit and the information in my credit report is wrong. It should have been removed. I have notified each credit reporting agency multiple times yet XXXX Card continues to report incorrect and/or inaccurate information concerning a purported charged off debt that isnt mine. They even hired a bs law firm to sue me and their case was dismissed after I proved to the court the account wasnt mine. Please order or direct them to remove this error from each of my credit reports.