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

I was sent a letter from my credit union dated XXXX XX/XX/XXXX notifying me of changes to my credit card account. These revised terms that increase my amounts I pay for when I use this account because of a poor credit report from Equifax. The poor report was based on Serious Delinquency, Too Few Accounts Currently Paid As Agreed, Lack Of Recent Installment Loan Information, Number Of Accounts With Delinquency! 
I have always paid my debts on time, never late. My credit score was XXXX until I signed as a co-loan for my granddaughter for a student loan. This was four years ago. She messed up the very first payment and the Loan Company ( XXXX XXXX ) was so nasty on the phone that I paid off the loan in full ( {$11000.00}. )! I only had her get a loan so she could get a credit rating. The loan was paid off XX/XX/XXXX but continues to show up. 
My last scores were dated late XXXX : XXXX XXXX ; Equifax XXXX ; XXXX  XXXX. My credit union told me when I went to their office that the letter was sent out by mistake and I should have received an amended letter. I went to their office on XXXX XX/XX/XXXX and received a letter dated XXXX XX/XX/XXXX which said nothing about the credit report. I'm XXXX years old with XXXX and XXXX XXXX XXXXXXXX, I shouldn't have to put with this!
Product: Debt collection

The debt collector ( CASHNET USA ) called me & informed me that I owed their company money, I stated to the company I never borrowed any money from them let alone, ever heard of the company!!! I will like this removed from my credit as a collection!
Product: Debt collection

I NEED THIS REFLECTED ON MY CREDIT REPORT AS PAID IN FULL IMMEDIAETLY AS ACCOUNTS ARE ALREADY PREPAID PER 31 U.S. Code 3123.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It seems that this company violated my rights under 15 USC Code 1661 by releasing my information without written consent, affecting my credit report. This is a breach of my consumer rights.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX, 2024, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX  {$900.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX  of the United States of America at the time the account was opened. I am a XXXX XXXX. 
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 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 by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Re : AutoPay Changing Terms at End of Loan I received an advertisement on the XXXX XXXX application that I could reduce my auto loan interest rate and monthly payment via a refinance. 

My credit score is XXXX - XXXX. My current interest rate is 8 % with a XXXX XXXX monthly payment. The AUTOPAY advertised a 5.1 % rate and {$330.00} per month. I completed the application online with Salary, Insurance, Registration and VIN #. 

The agent texted me several times asking for the same information and called for the loan payoff from my current provider. 

He then texted me that the rate would remain at 8 % and the monthly payment would be {$390.00} ( for a longer period ). 

When I texted back requesting why, AUTOPAY cancelled my application. What makes me most upset besides the 2-3 weeks of wasted effort is the hard inquiry on my credit report which impacts my score and I have no refi. 

I researched on the XXXX  compliant site and there is a multitude of similar instances with AUTOPAY via the XXXX XXXX application. 

This really needs to be investigated as a UDAAP violation
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 : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Credit reporting or other personal consumer reports

An agent from ResurgentXXXX XXXX XXXX contacted me yesterday XX/XX/year> regarding a prior complain I filed against them and asked me to " verify the account '' asked me for my social security number, not just the last four number but the whole number which is a violation Pursuant 42 USC 408 , a violation of my rights and private information This agent told me that his name was XXXX and his employee number was XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, which has led to the unauthorized use of my personal information. As a result, I am formally disputing an unauthorized inquiry that appears on my credit report and requesting its immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
XXXX XXXX : XXXX  Date : XX/XX/year>
Product: Debt collection

Resurgent Capital Services XXXX XXXX, 2019 Amount : {$470.00} Company is a third party that bought an alledge debt from XXXX XXXX. 
Company had place a debt collection derogatory remark on my record
Product: Debt collection

On XXXX Pollack and Rosen , P.A mailed out a correspondence to my home notifying me that they were the new lead of counsel for an alleged debt owed to XXXX XXXX XXXX XXXX I also received a letter telling me that a judgement has been entered against me and I would need to make an immediate payment. The correspondence also stated that is was a strong possibility I was facing a wage garnishment order. I called the company to advise them that this was an alleged old debt and another collection firm attempting to sue me for this matter. When I asked the representative on the phone how much did I allegedly owe this company. She stated that I owed {$14000.00} which was not what the paper stated. I was then transferred to the wage garnishment department. The gentlemen on the phone was extremely aggressive about the matter. He demanded that I pay {$410.00} a month or else. I advised the representative that I was on a fixed income and could barely pay my bills. The representative said Well i dont know what to tell you. After that call ended I was extremely upset, confused and scared for my life. I am already in the lower income class base and this erroneous debt is going to cost me my entire life.
Product: Student loan

In XXXX I placed a loan that was past due into hardship forebearance with sallie Mae. At that time I was told they needed a {$50.00} good faith payment and were only able to do one month but to call back after 48 hours and they would be able to extend it out to the 3 months total. I did that and everything was good. In XXXX, the same situation arose, I did the 50 good faith payment and was this time told to call back before XXXX to do an extension. On XXXX, o called back. Suddenly, that can not be done and they want another {$50.00} to do a forebearance this time for 3 months. I had to pay it to get the forebearance but have now paid them XXXX dollars for forbearances on this loan. Which according to their website is the maximum I should have to pay on this loan, yet I have 5 months of forevearance left should I need it and I was told it would be an additional 50 each time I request forebearance in the future. That would equal XXXX dollars not XXXX. Furthermore, there is information out there that states back in XXXX the company stopped asking for the 50 payments at the time forebearance was requested.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX XXXX Account number : N/A Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear ( XXXX XXXX XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor. 
to the secure trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors
Product: Mortgage

I contacted Truist in XXXX and uploaded documents XX/XX/XXXX. I've received literally no communication since that point at all. I checked the website and it said my loan was de-activated. 

I submitted for re-activation and emailed my representative multiple times with no response. See attached. 

the only reason I'm staying with Truist is the inconvenience of starting over with another company. I hope you can get Truist to process my application and communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXXXXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXXXXXX XXXX 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXXXXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account
Product: Checking or savings account

I have been calling Citi Bank many times and for more than 2 months trying to close my Streamlined business checking account. Every time I spoke to a rep and they told me they closed my account and I would get a letter to confirm my account is closed in 5 - 7 business days but it's never closed. I have been spoken to more than 5 different reps and they told me the same thing, the last one I spoke to even gave me his ID number which is XXXX, his name is XXXX. But as of right now, my account is not closed and I am about to be charged for monthly fee again.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have informed you on my recent dispute the following items are very inaccurate, incorrect and negatively affecting my credit rating plus it goes against the Fair Credit Reporting Act :
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 list IMMEDIATELY! 

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
Product: Student loan

I have been past due on my student loan for personal reasons, currently I am in the process of a hardship withdrawal from my 401k to get my mortgage payment caught up. Recently Navient has been calling 3rd parties, which they refer to as references, but were never listed as references. They have called my brother 's girlfriend, my ex husband and father in law. I have asked several times to not contact anyone other than myself but I continually get cut off by the agent, they do not ask about any kind of financial information, and most recently one of the agents brought up my job at XXXX XXXX which I feel was almost a threat. I asked several times to stop contacting third parties and this agent refused regardless of me explaining my financial situation. She advised the call was recorded, so it will be heard that she stated I refused to pay which is not true. I asked to speak to a manager and no one was available. I find that hard to believe when they have the time to call ex-family members and harass me. At that point I again asked to please stop calling third parties and the agent stated that we were done talking since I asked to speak with a manager and none was available. I admit I was mad, but after being harassed by this company over several months without them respecting my privacy I feel I have the right to be. This whole thing has been humiliating and I feel like something should be done. Thank you.
Product: Debt collection

I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX : -
Product: Checking or savings account

Fraudulent employees at US BANK And FALSE ADVERTISING FROM BANK. 
THEIR OFFER SAYS {$800.00} bonus IS SUPPOSSED TO BE SUBMITTED WITHIN 90 days and rep XXXX failed to resolve the issue. I asked to speak to a manager rep XXXX spoke to mananger XXXX who refused to take phone call and prevent false advertising complaint. 
Rep and manager aware complaints are being submitted to CFPB and other government agencies since they declined to fix the issue on the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX   Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Product: Checking or savings account

Hi, my issue has been with the company DailyPay. The week of the XXXX through the XXXX of XXXX I worked but was not paid my total amount. The total amount that I was supposed to be paid was {$560.00}. XXXX, is the temporary agency that I work for and DailyPay is the company that distributes the pay into my account. With DailyPay, you can receive a partial payment before your scheduled payday and then the rest of your check later. My issue is that they told me that they sent me the {$390.00} in different lump sum payments but it's not reflected on my bank statement. They did send {$110.00} and {$61.00} the week I was supposed to be paid but not the rest. When I tried to explain to them that it never made it to my account they said it was XXXX 's fault and the run around began. I've never had a problem with DailyPay before and I just want them to pay me what I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).