23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was unable to make the payments due to low wages for my job choice. I defaulted, brought the loan out of default paid on and off, took many forebearances, adding interest to principal. Since I was unable to make the payments, I believe the lender ( VSAC ) should not have provided all these ( 17 years worth ) forebearances, making my debt even less affordable. I borrowed {$30000.00}, paid back the expected total amount of the loan, but not on the originally anticipated schedule. I now owe, according to the nonprofit lender, an additional amount over {$60000.00}. But, I did make enough payments to pay the total amount I would have paid had I paid on time. I feel this type of situation is not much different from what payday lenders and their ilk do- force people into further debt. Somethings should be done to stop this and allow me at XXXX years old to get this " debt '' behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX-XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not reach this reporting agency to conduct a proper investigation of derogatories put on my report fraudulently! 

Yesterday I was notified by one of my credit monitoring services that a third party had placed on my report fraudulently derogatories! 

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt... 


Then used The account that they referred to as the third party ( XXXX ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 


Said debt was charged off the punched by XXXX XXXX XXXX... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 

Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX! 


I tried several times to place a dispute on line with negative results! Please remove said derogatories from my credit report with all three buearus immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

When they changed my address they put a typo in your first name. Now the want me to send them info in the mail that Im not comfortable with, like my social security number. They ask for Id, s I dont have like bills with my name that are in my husbands name and aXXXX ; Im retired. The dozens of questions they ask for me to verify who I am are ridiculous. They seem unable to go back three months and see my correct name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information ( including social security number, DOB, name, and more ) were affected and exposed by the recent hack on Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid portfolio recovery inc. XXXX back in XX/XX/2010 over 5000. They keep saying that I owe them an additional XXXX for a company I been paid off. I would like them to remove my information from the credit reporting agencies asap.
Product: Debt collection

This is my second complaint filed against XXXX. They have removed the information before after the first complaint now they have sold it to another collection company and added it to my credit reports. I am so tired of having to go through this. As a victim of identity theft they do not make it easy at all. This reporting has dropped my credit score significantly again and this is not even accurate. Please can someone help me resolve this so this will stop happening. This is the third collection company they have sold it to and added it to my report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my three credit files with a balance of {$710.00}. When I tried to pay this balance they told me they sold the account to XXXX XXXX. By federal law, since XXXX XXXX no longer owns this debt, they can not continue to report a balance owing on the debt. 

I verified with XXXX XXXX  ( account number XXXX Phone XXXX ) that they now owned the account and that is was not just " placed '' with them. 

I disputed this with the bureaus and XXXX XXXX XXXX XXXX responded leaving this on my files. This is willful negligence of their responsibility outlined in the Fair Credit Reporting Act. And as you well know, Willful Negligence carries a punitive damages clause when sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft done to me and itis noted on the website of XXXX and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ftc violation As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... 
- News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX XXXX  XXXX all XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hey Transunion, I was looking over my report XX/XX/year> and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) , the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention!
Product: Credit card or prepaid card

I hired a moving company called XXXX XXXX XXXX aka XXXX XXXX XXXX in late XX/XX/2021. They did move my household items and furniture from the home I sold then, and store them somewhere. They claimed they stored my items in their warehouse, but I believe they left them in one truck. When they came to deliver my items on XX/XX/2021, they were hours late because they moved my items from one truck to another they said. They opened the truck and items were destroyed. They tossed my stuff in the truck without proper care or packing. My lawnmower was destroyed. I took a video. They admitted that but refused to place it on the paperwork. They destroyed an antique chair, and my {$10000.00} XXXX XXXX  XXXX. I did not realize the destruction to my XXXX XXXX XXXX until I tried to sleep on it and it could not hold air, and they were missing pieces to hold the bed frame I bought from XXXX XXXXr together. They also initially refused to give me my stuff unless I paid again and then again when I asked them to cover the floors so they did not damage my house. I paid them a second time. I should not have had to pay at all based on the price of the items damaged, and that fact that the moving company did not call me back or answer my emails regarding my broken items. I therefore challenged the payment on my Capital One card of XX/XX/2021 because they breached the agreement and did not provide the services they were charging me for. They owe me over XXXX in damages. At this point I just want my money refunded for the move and Capital One initially refunded the contested charge, but then said the moving company said they moved my stuff and recharged me. They destroyed my stuff, held it hostage on a truck from a single mom with a XXXX daughter. Four men abused their power over me and I had no choice but to allow them to scratch my floor and bring in my things and they were scary. One had gang tattoos, and they threatened me. They broke my things and I called over and over and emailed to no avail. I should be refunded by Capital One as they did not provide the services required for the {$2500.00} I paid them. Please help me with Capital One to remove this charge. Capital One is a card that never protects the consumer. They always side with the companies and they do not allow you to email them disputes or upload material to them. They send a letter with too many questions and make it impossible to get the letter back on time as within 10 days of issuing the letter ( mind you it takes 7 days to get your mail these days ) they are already recharging your card before you can answer the lengthy questions, gather the material and send it back in the US mail and so they know they will always be able to turn around and recharge it so its gaining interest for them. This is just unfair consumer practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed late payments with the creditor chase through the following companies XXXX, XXXX  and XXXX  for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im hoping someone can help me with complaint because I have had several issues with the XXXX, Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 

Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names XXXX Experian ACCOUNT XXXX opened XX/XX/XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as Open with a PAST DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance original balance XXXX as of XX/XX/XXXX to Experian. XXXX shows open with XXXX PAST DUE balance of XXXX original balance XXXX as of XX/XX/XXXX both account have shown different Amount in the past due and balance owed which is violation of the FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN TWO OR THREE DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for XXXX XXXX, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report.

I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Vehicle loan or lease

I met XXXX XXXX, XXXX, Cell XXXX, while at a XXXX XXXX XXXX  convention in XXXX XXXX, MO on or about XXXX XXXX or XX/XX/XXXX. XXXX had just purchased XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX in XXXX, GA XXXX. We both were members of XXXX XXXX. XXXX XXXX actively encouraged members to secure favorable, better than market purchases, purchases with given dealerships. Such opportunities being one of the benefits of XXXX XXXX memberships. I asked XXXX to find a new full equipped XXXX XXXX. For what ever reason he could n't or would n't deliver on that and asked me if a used vehicle would work and I agreed for a low mileage XXXX. On XX/XX/XXXX we closed a long distance transaction on a XXXX XXXX XXXX. All of XXXX 's paperwork showed this vehicle as a XXXX XXXX XXXX XXXX. However I later learned that this was actually a XXXX model with XXXX miles. XXXX XXXX, XXXX, Cell XXXX, was the sales person whom I did n't speak with until all paperwork for signatures for purchase. Whenever I phoned XXXX to inquire about the delay in moving forward with my purchase he never indicated that financial institutions were declining me. Then after we closed the transaction about six different financial institution 's decline letters began arriving. This gets us to my perception that this was a fraudulent loan transaction. And I just paid off my loan effective XX/XX/XXXX. <P/>As indicated earlier I personally met XXXX. So he knew that I was XXXX XXXX. One of the several attachments that I 'm forwarding you shows my then credit score was XXXX. Therefore I 'm confused about the justification or merit in enjoying a 7.59 % T. D. Auto Finance loan also evidenced on one of the attached documents. Finally it is my hope that reasonableness and fair play, equity is yet available even at this delayed date.
Product: Credit reporting

Re : Consumer Financial Protection Bureau, case # : XXXX Transunion Credit file : XXXX, reply to letter of XXXX 
Please see ( PDF page XXXX of Trans Union complete credit report ) the attached exhibit as documentary proof of Trans Union 's disingenuous response of what it was instructed to do by the creditor. ( see CFPB response ) and of the willful malicious insistence to continue reporting said adverse and incorrect information. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear TRANSUNION I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score.

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a Huntington bank account on XX/XX/XXXX. Less than 12 hours later my account was closed with no notice, no reason, no one at the bank could tell my why it was closed. I was told I would be sent a later maybe. I put about {$300.00} in this account. Had to wait 3 weeks for the check to come in the mail. The letter that I might receive never came with the check. This is a clear violation of my consumer rights. This is not optional when a consumer enforces his/her rights the consumer must be given a specific reason why the account was closed and it must make sense. I want my rights enforced by the FTC. The photos below are me trying to log in and it said I guessed to much which is incorrect because I had the papers from creating the account right next to me. So what they did was disabled my account and never told me because how could they when it happened less than 12 hours of opening the account. Its not a Credit product so using my credit score was illegal. I also had {$300.00} for bills tied up in a financial institution by employees who only follow policy and not federal law. You are better off using crypto currency retaining all control of your money then to use a financial institution backed by nothing.