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

In early XXXX I had a XXXX point drop on XXXX and it was created by a XXXX error and it was corrected at that time my Equifax was fine however it dropped by the XXXX points today and they can not verify with this or assist as they dont see it. I have a letter from XXXX XXXX XXXX verifying this was an error on XXXX and this should be corrected in all systems including Equifax. I need to make sure this corrected with Equifax and the call centers are not able to assist. I would like some assistance in getting his corrected.
Product: Payday loan, title loan, or personal loan

I have tried on numerous occasions to make a payment or partial. 
They have a rule that if you can't make full payment then you have to go-to their office. 
I browed money from family to pay these people off. 
They still processt in me going to the for payment. 
I am XXXX XXXX XXXX and have never had a bank refuse any form of payment. Yet they do. I have my debt card ready to pay the loan off but I am out of state and can't comply with there wished So I just keep getting late fees. 
They show up at my job my house anywhere they think I am they try to get payment from me. 
Please try to act as a mediator so I can pay them off with no added pinaltites. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say may many I mean more than XXXX at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about 100 or so points. Help me understand how this is possible. I have now paid off over XXXX in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all XXXX Bureaus are not required to report exactly the same information, Why would a person get XXXX different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the XXXX XXXX discriminates against XXXX XXXX Investors in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. I.E. A Drycleaner individual receipts, number of racks they purchased, how many hangars they used, A Supermarket individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since XXXX, I owe XXXX on my car and XXXX on my credit cards and because of the information XXXX, TransUnion and XXXX have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in Open Credit Lines. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



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Product: Payday loan, title loan, personal loan, or advance loan

This company is conducting illegal loans it charges over 400 % interest which is illegal in my state of South Dakota its a pay day loan under the pretense of an installment loan using tribal land to conduct illegal business practices. It bankrupts the people who use its services and lies and is a predator loan company. This company is in violation of the rico act. It attempts to collect more than you owe and the interest rate is immoral.
Product: Debt collection

In 2017, I cancelled a gym membership with " XXXX XXXX ''. ( XXXX XXXX XXXX XXXX, XXXX, RI XXXX ) The terms of my agreement allowed me to cancel my membership if moving outside an area covered by an XXXX XXXX  franchise location. Two years after cancelling my membership, I'm receiving debt collection messages from TWO different debt collection firms. I responded to the first debt collection firm and they stated they would follow up with information validating the debt. They never did. I'm now receiving debt collection mail from another firm. ( More than one year later from my cancellation date ).
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed a complaint with the CFPB -Experian has responded that United Revenue STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm United Revenue- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and handicapped this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

There addresses phone numbers, and names I do not recognize on my credit report. 

NAMES XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX  : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX PHONE NUMBERS XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX
Product: Student loan

I 've got 4 calls today to my pre-paid cell phone from XXXX. They want me to call back and enter my SSN.
I graduated college in the 70s and my only student loan was paid off over 3 decades ago. This is a SCAM, not an attempt to collect on a student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial Services are not deleting the negatives out of my credit report as on XX/XX/2019.

On XX/XX/2019 I spoke with XXXX Account Vice President and finalize a XXXX   XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XX/XX/2019 on  conversation with XXXX.
Product: Credit reporting or other personal consumer reports

XXXX 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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Consumer Loan

I paid off my auto loan in XX/XX/2013. Capital One has been reporting the account as 30 days late since XX/XX/2013. I have been denied credit many times because of this incorrect reporting.
Product: Payday loan, title loan, or personal loan

smile dental applied and received a high interest loan in my name without my signature or my permission, I only gave Greensky permission to access my credit score, I was led to believe for several months during the procedure that i was receiving the service that i had requested, during this time I made a total of 7 payments in the amount of {$750.00} each. 
I was told that my total payments would amount to XXXX for the services that i had requested, I after receiving services other than what i had requested, I was made award that the total was XXXX I never signed any contract via XXXX never agree on any type of interest rate whatsoever
Product: Checking or savings account

Capital one banking experienced an outage which was not communicated to any of its clients via text or email. I found out XXXX morning when my funds were not deposited. Today is XXXX and my paycheck has still not reflected in my account. I waited XXXX on hold and yet no clear answer on when the issue will be resolved.They just keep saying we will be updated. This is very inconvenient as many people have bills to pay.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX, MT gave my information to a third party collector without my express permission on a credit card. 

CB1, Inc., dba CBB Collections of Montana contacted me in XXXX of 2019 at my work place, The XXXX XXXX in XXXX MT. They did not properly identify themselves to my boss at the time. He mistakenly gave out my personal information to this collection company without my permission. Once my information was given out, the collection company proceeded to call, until they reached me through my workplace. They identified themselves as a company, not a collection agency, to get my identity through the phone. Once I identified myself, they identified they were a collection agency. I advised them to stop calling me at work. They did not validate any information over the phone as Section 809 of the Fair Debt Collection Practices Act, subsection A states. They did not validate the debt in writing within 30 days after initial contact as stated in Section 809 of the Fair Debt Collection Practices Act subsection A. CB1, Inc., dba CBB Collections sent notice through civil action, Civil Case # CV-2019-1304, State of Montana XXXX XXXX of XXXX XXXX which violated my right to validate and dispute this debt of XXXX as stated in Section 809 of the Fair Debt Collection Practices Act subsection A B & D. 

CB1, Inc., dba CBB Collections of Montana gave my information to another third party to harass and collect this debt. XXXX XXXX XXXX XXXX, MT. Who collected this debt on me through the pandemic. They harassed and abused anyone to get my information.
Product: Student loan

Nelnet is refusing to address my concerns about the full dismissal and refund of all payments made due to me being part of the automatic discharge group in the XXXX v XXXX case. DOE assures me the approval is in and they are working on it, but the zero out and refund has to come from Nelnet, who just received my loan in XX/XX/XXXX from Great Lakes. I have called Nelnet XXXX times to discuss this, and they refuse to allow me to speak to a manager or address my concerns. They also refuse to communicate with the DOE. They refuse to follow up on missing documentation with DOE and they refuse to accept the documentation of my approval of full dismissal and refund ( ie, email from DOE confirming ) directly from me. DOE won't help because they say the servicer is responsible. Meanwhile, I'm getting notices of payment due on a loan that is supposed to be automatically placed in forbearance. 
These loans were to be fully discharged, with refund of all monies paid and removal from my credit report as of XX/XX/XXXX- this was the directive per the class action lawsuit final decision made in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, with partial account # XXXX, These accounts are related to transactions and experiences that fall under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. These accounts are not related to any transactions authorized by me, the consumer as I did not give written instructions to your agency to report these, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report! 


I have contacted the Federal Trade Commission and filed a complaint ( # XXXX ), which is attached. Please block and remove all related information from my credit report and send me an updated copy. According to the law, the listed items are a result of unauthorized fraud. 

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have provided all four pieces of required information and expect the accounts listed above to be deleted and blocked within four business days of your receipt of this notice. Failure to do so will constitute a violation of my rights under the FCRA. 
If you do not initiate an investigation and delete this information within four business days of receiving this notice, as mandated by 15 USC 1681c-2 under the Fair Credit Reporting Act, I will pursue legal action to protect my credit rating and myself. Each violation of the FCRA permits damages of {$1000.00} if this matter goes to court. 
I have experienced significant emotional distress due to this issue and have recently felt suicidal. Therefore, I am compelled to escalate this matter and request a fair and equitable resolution.
Product: Debt collection

This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over XXXX. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fraudulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$26000.00}. To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. I told him I would gather whatever info I can get and send it to him. It took sometime to gather all the information after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. I then reached out to the attorney debt collector and he acknowledged he had received the documents. He stated the case would go no where if its fraud. However, a year later in XX/XX/XXXX I am still receiving from this same office a letter to collect this debt. I am not certain if there is miscommunication or a change in staff. I am tired of the false charges and the harassment. By their actions they've proved to be the predatory debt collector who prey on the innocent. How insensitive! I feel like the fugitive, accused of a crime not committed. Thanks to you CFPB when I filled a complaint about another fraudulent debt and garnishment you were very instrumental in helping me. As a result the courts granted me back all wage and bank account garnishments that were brought against me over several years for that fraudulent judgement. I have all the document proof I need. Will you please help me end this and clear my name once again.
Product: Credit card

Dear Sir / Ma'am, I had been a credit card holder of HSBC for years. On XXXX XXXX, I received a letter dated XXXX XXXX, 2015 from HSBC indicating that my credit card account had been terminated. The letter stated that I must send balance payment to such account of which I did. However, HSBC would not allow me to claim gifts or reimburse me for the points I had earned by using the card. I called but was notified that HSBC would only allow existing customers to claim prizes through the points. The issue here is I have XXXX points which is equivalent to a value of {$1700.00}. No advance notice was given to me prior to their decision of shutting down my credit card account, nor had HSBC automatically converted these points to credit my account. I do not agree with the banks improper decision of terminating my account without giving me ample time to manage my earned points. I appreciate your attention to this issue and look forward to receiving your comments / help in order to get back what I own.. 

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

A XXXX XXXX  account was fraudulently opened in my name I didnt consent nor give anybody permission to open
Product: Credit card or prepaid card

I'm a victim of identity theft. On XX/XX/2021 I filed a FTC report and dispute this account the bureaus and credit card company. Nothing was done. They said these account were mines. I requested the information and the proof that this opened by me or what information that they have that proves these are mines. No response.
Product: Credit reporting

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

opens were open fraudulently, and without my knowledge. they are affecting my day to day life.