23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My husband 's car " died '' on the XXXX in XXXX. He was towed off the espressway by XXXX, NY XXXX XXXX, a company authourized by XXXX to tow. On the bill, there is a {$4.00} charge under Gas/Tire/Boost, none of these services which were performed. I called XXXX and was told that it is a charge for using a credit card. I informed the man it is illegal in New York State to do that and he was surprized at that information. He is was not the owner and got nervous about his job because he did n't realize that was the law and had given me the information. I will not use his name, I do n't want him to lose his job. This business is authorized by a governmental arm of the XXXX and should be held to the law. {$4.00} may not seem like alot to get worked up over, but hypothetically, if XXXX tows a day for 300 out of 365 days a year at {$4.00} a pop on a credit card, that 's {$6000.00}! Maybe they do n't do that much business, they are still ripping off the consumer ; they chose to offer the choice of credit card as a form of payment and signed a contract with merchant services to pay the fees, NOT XXXX customers. As we have XXXX who will reimburse for the tow bill, XXXX should not have to be dunned for this amount either! I would like this business to be investigated for this. Whether or not I get this {$4.00} back, XXXX should not continue to flaunt the law.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information was used without my knowledge or consent to obtain credit and personal loans, including an installment loan opened with XXXX XXXX XXXX . I learned that an account was opened in my name without my knowledge or consent in XX/XX/2023 when I received a credit alert that a charged off account was reported on my Transunion credit report. I filed a police report with the XXXX and a FTC Identity Theft report. I also contacted XXXX XXXX to dispute the account as fraudulent, but was unsuccessful. I have also attempted to submit a dispute with Transunion. I requested that this information be removed and blocked from my credit report because it was a fraudulent account. I also provided a copy of the identity theft report. However, the charged off fraudulent account has not been removed.
Product: Debt collection

Individual out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX and account was closed XX/XX/XXXX for stop payment. Then the account was sent to collection agency. I was able to get it removed previously but XXXX XXXX XXXX again sent the report through another collection agency Credence. However, nothing I do has stop the activity of this individual. Tonight XX/XX/XXXX the same individual applied for a credit card account with XXXX XXXX XXXX. I was able to get the application stopped and cancelled for identity thief. I have all my credit bureau frozen so that application did not go through. I have not been able to prevent any activity that does not require a credit report such as checking, savings, or Telecommuncation companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted MEDICAL DATA SYSTEMS INC to let them know they are incorrectly reporting an account. They stated the account would be deleted but it hasnt been deleted yet. I am going to file an attorney general complaint if the account is not deleted immediately.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : CAINE WEINER Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report that the CRA 's were notified of for more than a year and they have failed to validate or remove these items. My last dispute letter which is dated and time stamped was sent XX/XX/year> and the one prior was sent on XX/XX/year>. These inaccuracies are seriously damaging my credit rating, and I am requesting an immediate reinvestigation of the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please see the FTC report and the dispute letter and remove these items from my credit report. This is my last complaint before I notify your company 's legal department that I will be seeking litigation.
Product: Prepaid card

Received a vanilla gift card that was already spent by the time I tried to use it. I immediately contacted Vanillas customer service by phone and e-mail using the contact information provided on their website to let them know I was scammed and I could see that a purchase was made by someone from a different state at a XXXX for the full amount of {$180.00}. I created a case on XX/XX/16 and followed up again on XXXX. Both times, the customer rep said its in progress but nothing has been determined. I also let the XXXX XXXX XXXX know by filing a claim at their store but all they emailed me back was acknowledgement that I filed a claim. {$180.00} is a lot and Id like a replacement card from Vanilla but its like talking to a black hole and customer service is trained to just say were working through your case. They did ask me to send photos of the front and back of the gift card twice which I did but I also explained I could not send a copy of the purchase of the gift card as it was a gift thanking me for volunteering. After that I have received no further communications and its now almost been two months. Frustrated as I was hoping to use the gift card for XXXX. Vanilla needs to put in better security so scammers dont drain gift cards and they should reimburse anyone who files that theyve been scammed and can verify that the gift card was scammed. In the future I will tell all my neighbors, coworkers, teachers never to purchase a vanilla gift card as it will probably be drained and stolen away.
Product: Student loan

On XX/XX/19 I reached out to XXXX XXXX XXXX XXXX to settle an account that I cosigned on, that was originated with Navient. They agreed to accept a lower amount ($XXXX), if it was paid that same day. After receiving the offer by email, I called back and paid in full, by electronic check. I was assured that I would receive an email and letter that this account was paid in full, and that this account would be removed from my credit report. The payment cleared my bank on XX/XX/19.  I have called XXXXr 6 times beginning on XX/XX/19, and each time was told that I would receive such letter by end of business day.  As of XX/XX/19, have not received letter or email. I have also reached out to Navient on XX/XX/19,  with no better luck.
Product: Debt collection

I received a letter from XXXX, XXXX a debt collector, dated XX/XX/XXXX stating that Jefferson Capital Systems , LLC was the debtor and the debt description was XXXX for {$290.00}. Per conversation with XXXX they said that the last payment that was received was in XXXX which was a red flag to me and didn't sound correct. I immediately asked for a debt validation letter regarding this matter and today XX/XX/XXXX, I received a letter from XXXX XXXX stating that they are unable to resolve the request because they need additional information ie. ssn, acct number, copy of credit report. If you sent me to collection then you should have all this information. Sounds like a scam.
Product: Debt collection

I recently had my bankruptcy case dismissed because I could not pay my account. I certainly can not make student loan payments. I still do not have a job ( after 10 years of being unemployed, underemployed or partially employed ). 

My original student loans were about 80K or so when I went into bankruptcy. They are now reporting over $ 120K and charging me close to {$1000.00} a month in interest, so each month I don't pay, my loans go up and credit score goes down even more. I DON'T HAVE A XXXX INCOME, AND AT THIS RATE I WILL NEVER BE ABLE TOPAY. 


I'M XXXXL OVER THIS. I HAVE NO RECOURSE AND NO WAY TO PAY THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only h ave one nu mber that is legit and that is  XXXX   XXXX
Product: Checking or savings account

This happened on today, XXXX XXXX 2017 at about XXXX est. 
I should be allowed to access my financial information. I would like to start investing. I want to use the XXXX app. This company requires that I link my bank account in order to make the monthly payment and also to receive earnings from my short term investments. My bank is not allowing me to do this link.
Product: Student loan

I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, BK OF AMER, on XX/XX/XXXX and XX/XX/XXXX, XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Student loan

I received a 'Repayment Schedule Changed ' document XXXX ( dated XXXX ) that shows that I have {$290.00} in capitalized interest. As I haven't been through any event that would trigger any interest capitalization, I am assuming this is an error caused by Mohela 's seemingly fraught migration to this new platform. I do not want to pay a penny more to this vulture of a company than I have to. Would also love to explore a class action suit if that's something CFPB can facilitate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. they have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I applied for Capital One Venture Rewards card. My Credit score is excellent in the range of XXXX but still I am being denied this credit card. I do n't know why? Applying for a credit card impacts the credit score and I have no idea why this credit card pops up in XXXX XXXX or other places stating that I have Very good odds to be approved.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act Credit Acceptance Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Clarity from Experian does not give met credit report stating wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX I received notice that you verified certain items on my credit report from the following XXXX # XXXX. You reported me being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Supply your response or report status as PAID, NEVER LATE for the trade-line. 

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

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX and XXXX XXXX  ) Creditors : XXXX XXXX ( twice ), XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX. I also have a collection account XXXX XXXX XXXX  XXXX account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 

This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX  and XXXX  continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 


Accounts listed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late
Product: Credit reporting, credit repair services, or other personal consumer reports

" i have not provided proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, i presume that no proof of the alleged, nor therefore any such debt, in fact therefore exist. 

Fair credit reporting act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete that is innaccurate, incomplete or which cant be verified. 
XXXX XXXX ( XXXX XXXX XXXXXX/XX/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 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
Product: Credit reporting or other personal consumer reports

Theres information still reporting inaccurate on my consumer report. I have an attached file showing even after you claim that the information was accurate you still continue to report it. You are required to report items with 100 % accuracy.
Product: Credit reporting or other personal consumer reports

My credit report lists late payments that are incorrect and dont match my payment record. Kindly correct these inaccuracies and update my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized credit inquiries on my credit report. I have reviewed my recent credit report and found several inquiries that I did not authorize. These unauthorized inquiries are listed as follows : 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  These inquiries were made without my permission, and I have no record of having applied for credit or given consent to these entities to perform a credit check. Unauthorized credit inquiries can negatively affect my credit score and may be a result of potential identity theft or fraud. 

I request that you immediately investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Please provide me with written confirmation once these inquiries have been removed or provide a detailed explanation if you find otherwise. 

In addition, I request a copy of my updated credit report reflecting the corrections made. Please notify me of any findings or additional actions needed on my part.
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that TransUnion remove inaccurate inquiries from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX is not listed in the XXXX XXXX XXXX as having proper certification to collect debt in the state of Ohio. 


Additionally, according to 15 U.S.C. 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting or other personal consumer reports

Equifax are currently reporting negative information as a violation to federal laws. The XXXX XXXX XXXX  for the XXXX XXXX XXXX XXXX stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.