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

I sent validation letters to Transunion to validate 12 accounts on my credit report the week of XX/XX/XXXX and I received any validation from the collection agencies or Transunion. According the the FCRA the time frame is 30 days and I still have n't receive any validation but my transunion report was updated the week of XX/XX/XXXX as Meet FCRA Requirements and Placed for collections. The 12 accounts were XXXX ( Listed 5 timess ), XXXX, XXXX ( listed twice ), XXXX XXXX, XXXX XXXX ( Listed 3 times ). I do n't have the account numbers because the debt was never validated to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 someone opened a flexible spending credit card account with XXXX card services under my name. They charged {$38000.00} on this card. It was reported as late payment on XX/XX/2024. The account was closed on XX/XX/2024. It has made my XXXX XXXX drop on XXXX, XXXX, and TransUnion over a XXXX points as payment is listed as overdue. I have contacted XXXX ( ( XXXX ) XXXX ) directly and they concur that I never opened an account with them. I only found about this when I checked out my XXXX XXXX recently. I do not know the account number as it wasnt listed with the rest of info on my XXXX XXXX XXXX monitoring service. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # 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  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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to XXXX, Experian, and XXXX about an institutional loan that I had with them. The loan was consolidated in XXXX with all of my federal loans. After consolidation, the loans went into period of forebearance and deferment where no payments were due. However, despite this, XXXX continued to report my loans late, resulting in delinquencies and negative credit reporting. The last delinquency was reported in XXXX. I have disputed this trade line with each of the credit reporting bureaus mentioned above but they simply respond back validating the data. I am requesting that this trade line be deleted from each of credit reports.
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$80.00} Employment Obtained by the XXXX XXXX or Organization : the company Date Fraud Begin : XX/XX/XXXX Fraudulent Government Benefits Company or Organization : Term Life Insurance Date Fraud Begin : XX/XX/XXXX Fraudulent Checking or Savings Account Company or Organization : Self-help Federal Credit Union Date Fraud Begin XXXX XX/XX/XXXX Total Fraudulent Amount : {$5000.00} Fraudulent Criminal Charges Date Fraud Begin : XX/XX/XXXX
Product: Debt collection

alliance one accepted my amnesty payment even though all payment were to go through XXXX they mislead me to think i was able to participate in amnesty program even though they new i could not
Product: Payday loan, title loan, or personal loan

On XXXX XXXX of XXXX, I took out a payday loan with XXXX XXXX XXXX in XXXX, Indiana. The amount that I borrowed was {$600.00}. The loan was due to be paid on XXXX XXXX, XXXX. On XXXX XXXX, I and my family moved out of the apartment complex we were living in. I forgot to pay the payday loan that was due. I got a phone call from XXXX XXXX XXXX that this money was due. Instead of us going in to pay the loan amount due in person, the company always took the amount out of our bank account. There was not enough money in the bank for them to collect the money for the loan. That is when the problems started between us and XXXX XXXX XXXX. They harassed us about this money due. We did not hear anything from them for a while. I was going to try to take out a payday loan where I live now. When I tried it, they denied me because they said that it showed that I had an open loan out and I could not get the payday loan. I have called XXXX XXXX XXXX to try to get this settled. They gave me the number to their collections department. When I called the collections department, they said that they had sold my account to a collection agency. The person talking to me gave me the number to the collection agency. I called that agency and all I got was the person that I was supposed to talk to their voice mail. I left a message and he or she did not get back to me. I am still trying to get in contact with this company and am not having any luck. Please see what you can do to help me get this matter settled. I recently tried to apply for a payday loan and got the same answer. That there is an open loan out there and I can not get a payday loan because of this problem. Thank you in advance for your help.
Product: Debt collection

Numerous calls ( more than XXXX ) to my cell phone in less than 2 weeks. Caller does not leave a message and does not answer when I have picked up the call. 

Internet research lists this number for a debt collection agency Contract Callers , Inc. of XXXX, Georgia XXXX XXXX XXXX XXXX.
Product: Debt collection

MRS BPO at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX @ XXXX, has been contacting me daily via texting, phone calls, and the mail. This volatile behavior is extremely harassing and verbally abusive. I do not owe this debt, and want them to cease & desist all communication and harassment immediately!
Product: Debt collection

I am not responsible or liable for this debt with LVNV, I don't have a contract with them, they did not provide the original contract as I have requested
Product: Checking or savings account

XXXX/XXXX/2017 - I was notified by Discover Bank that my checking and savings accounts had been frozen for security reasons because I had added an external checking account for transfers. Verified my identity and had them unfrozen.
XXXX/XXXX/2017 - My mortgage payment in the amount of {$1200.00} was supposed to have been deducted from my account, however, only a partial payment of {$640.00} was deducted. I contacted the lender, XXXX XXXX, to find out what was wrong. XXXX told me that they received no payment at all because they were told the accounts had been frozen. The account specialist at XXXX conferenced Discover Bank in to assist as they had not initiated the ACH and had not received any funds. Discover Bank informed me that they did not know where the ACH had come from but that they could not give me the money back until they investigated the transaction and would get back with me in 7-10 days.
I never heard back ...
XXXX/XXXX/2017 - I sent a secure message to Discover Bank through my online account center stating the following : " There is a disputed ACH on my account that was supposed to be removed within 7-10 business days. It has now been nearly 3 weeks and I have heard nothing. This was Discover 's error as they had apparently frozen my accounts at the time because I dare to do the unthinkable and add a checking account to my external accounts, resulting in a declined mortgage payment. However, Discover screwed up and still processed the payment in partial, never giving the funds to XXXX but also never returning the funds to my account. XXXX was conferenced in and verified that the funds were never received as well. I need to know what the status of this request is and when the funds will be returned to my account. " XXXX/XXXX/2017 - Response received from Discover : " Dear -- -, Thank you for your message.
I can understand your concern about your disputed ACH and no response from us.
In an effort to provide you the best service possible, I have escalated this issue to the appropriate parties in our company for further assistance. We will respond as soon as we have any additional information concerning this matter. Thank you for your patience.
If you have additional questions, click on the Help section of the Account Center, reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.
Thank you for choosing Discover.
Sincerely, XXXX Discover Bank Customer Service XXXX/XXXX/2017 - I have still heard nothing from Discover Bank and still do not have my money back. This is a lot of money and I need it back ASAP, so that I can pay this next month 's mortgage payment. The delay and lack of response is unacceptable, and according to what I 'm reading on the CFPB website, also illegal. Assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON XXXX AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.
Product: Credit card

I was inadvertently signed up for paypal credit. I received no invoices or billing statements until I received a phone call stating there was a balance due. I was told PayPal credit was separate from PayPal that I used on rare occasions. Having no knowledge of signing up for a PayPal Credit account. I asked the call to immediately close the account! I asked for proof of the charges and was told they could not give them to me. I informed the caller that without proof I would not make any payment. I was later able to confirm I made a purchase on eBay and after about a month finally obtained some records from Paypal Credit showing interest and late charges. I paid the original purchase amount, they waved some but not all charges. I still disputed the remaining charges but the telephone representative refused to give me an email or snail mail address. I was able to look up on line the snail mail address and sent a letter. Several weeks later I received a form email stating they received my dispute but provided nothing further than " it will be reflected in your billing ''. The billing never changed and they did nothing. Further calls escalated to supervisors we either " dropped '' or " nothing could be done ''. 
I will not be paying the {$54.00} current balance but wish to keep my good credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, XXXX Equafax etc and nothing. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019 file a disputed against Equifax to verify 3 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX  # XXXX. I asked simply for these account to verified and that send contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.
Product: Student loan

I make payments quarterly through Heartland ECSI and made a payment a few days late but then received a bill the next month for the entire quarterly amount plus an extra fee. I called for clarification on the amount due and was told to just pay a portion of the bill and that it was not accurate. I repeatedly requested that they provide an accurate bill in writing so I could make a payment for whatever was due. They refused saying that they did not have that capability. 

I requested that they email me the correct amount so I could have something in writing ( fearing that if I didnt pay the amount shown on the bill I would be penalized ) and they refused again, saying that they did not have the capability. 

In summary, I received a bill requesting an amount that was incorrect and yet ECSI were unable or unwilling to provide an accurate bill or anything in writing certifying the correct amount. I cant imagine how many students have mistakenly had to double pay in this same scenario thinking that the bill they received was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists. 



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

I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXXXXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts and inquiries listed as " XXXX XXXX '', " XXXX XXXX  '', and " XXXX XXXX '' on my Equifax consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX - XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/2024 The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX {$9800.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened aXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.