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

I'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see what's on my report because I haven't checked in it a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and to my local police department. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I am doing this all on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The XXXX and Transunion bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. XXXX did not correct any of the reporting. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

This complaint has been updated. The account has been reported as paid and closed in XXXX with XXXX and Transunion. XXXX has not updated XXXX 's records and my account is showing delinquent all the way to the present. This is unacceptable and is affecting me negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX on my trans union report in the amount of {$1100.00}. Original day was XX/XX/XXXX and I disputed on XX/XX/XXXX. They did not remove it from my report, however, they did remove one from XXXX on XX/XX/XXXX in the amount of {$2100.00}. 

This is a gross error.
Product: Credit card

I lodged a complaint against my credit card company in XXXX. My card information was stolen and used for purchases last year. After months of calls I made a complaint and they finally resolved the theft portion. Problem is they keep saying I owe {$180.00} in late fees/interest from this illegal purchase. I do not owe these fees and no one will help me
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act also due to 15 u.s code 1692g and 15 u.s. code 1681b ( a ) ( 2 ), I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, please provide me with assignment contract chain dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 


All accounts in dispute listed below : KLS Financial Services Acct # XXXX Best Regards,
Product: Student loan

I have several student loans with Navient. I just graduated college in XX/XX/XXXX and received a notice from Navient that my repayments would be begin in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I checked the Navient website and it stated no payment due until XXXX. As of XX/XX/XXXX they charged me interest for XX/XX/XXXX and XX/XX/XXXX,  and a late fee from 2008 (?! ) and are requesting a triple payment. When I called to inquire they stated my school had not updated the clearing house until XX/XX/XXXX. They said I owed all of the payments, interest and late fees regardless of the fact that this was an issue between my school and Navient. Best of all they offered me a Forbearance. That way they can tack on more and more interest to my student loan debt. I have called them twice and they refuse to help me other than to give me a Forbearance. I did everything I was supposed to do but yet I am getting hurt financially by a company that makes billions. I'm one student in America. How many other students are they doing this to? It's criminal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit file. The items I am disputing have been circled on my enclosed credit report. 

I have never applied for XXXX. It is inaccurate because I have never had XXXX filed. I am requesting that this item be deleted to correct my file-15 U.S. Code 1602 ( p ).

Please investigate these matters and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

On or around XXXX XXXX  I received a notice from The CBE Group , Inc. claiming that I owed {$350.00} to their original creditor, XXXX. I responded that I did not recognize this alleged debt, and that it did not belong to me. I then requested a debt validation. CBE Group recently responded by " verifying '' the debt with XXXX, and included a report showing thousands of dollars in sales under an account that was created fraudulently in my name, using one of my prior mailing addresses. The XXXX user ID given in the report is " XXXX '' which does not belong to me. Apparently this account has been open since at least XXXX, selling things in my name fraudulently. I have reported the identity theft to XXXX 's fraud department, as well as filed an identity theft report with the FTC. FTC Report Number : XXXX. THIS IS NOT MY DEBT. I DO NOT OWN THIS ACCOUNT. PLEASE HELP ME CLEAR THIS FROM MY PERSONAL CREDIT REPORTS, AS IT IS SEVERELY NEGATIVELY IMPACTING MY OVERALL CREDIT WORTHINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at XXXX XXXX XXXX. XXXX, IN. I have had extensive identity theft, and mailed documentation to all of the credit bureaus.
Product: Debt collection

for the past year, I have been disputing items with all 3 credit bureaus that are inaccurately reporting on my credit reports. This inaccuracy and lack of sending accuracy/ item validation reports when I've disputed the items has affected me a lot. I've had to take high interest rates and been denied of getting a home for my children and I. Each time I dispute the next day or two they respond with " credit verified but no itemized or proof of how or where it was verified. Ive disputed the following companies for inaccuracy, paid off, or items i have no idea about XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request the CFPB investigate this matter and work with the reporting agency to have this collection removed from my credit report. Also, I would like to ask you to confirm the findings and actions taken regarding this complaint. Thank you for your assistance. I look forward to a prompt resolution of this matter.
Product: Money transfer, virtual currency, or money service

A lady sent me a message " by accident '' through XXXX. I tried to redirect her to the probable correct area code, and she thought I very nice to do that and started chatting with me. After several days of nice chatting, she mentioned that she was working with some computer installation people, and invited me to try a little Crypto Trading on the XXXX webste. It sounded harmless enough, and she led the way by providing Screenshots with every spot to click on identified, and she made the Trading experience fun and very profitable, by her following a sequence of trend lines and buying/selling nodes, and instructing me when to buy or sell various types of crypto. We usually traded XXXXXXXX XXXX XXXX XXXX XXXX, and we did exceptionally well. About 2 weeks in, she guided me to withdraw {$5000.00}, and that process went well. She often encouraged me to add more Principle so I could make bigger profits. I told her I was fine with the current profits at that time, and she finally convinced me to invest more in early XXXX. By the last week in XXXX, my assets were up to {$890000.00}. She said she wanted to teach me how to withdraw funds, and asked me to withdraw it all. I tried to do it, and forgot my Fund Password, and needed to change it. Because I did that, XXXX said that it triggered a possible scam or hacker alert, and that I would need to Deposit 25 % of my Assets to ensure that it was me operating the account. they stated that the 25 % Deposit would be part of my withdrawal. Because I had just inherited some funds from my late XXXX, I was able to pay another {>= $1,000,000} to prove that I was me. Again I tried to make a Withdrawal, and then they asked for another 5 % of my Total assets so they could collect the Personal Income Tax on my withdrawal and forward it to the IRS. I tried to explain that Personal Income Tax is paid on Income or XXXX XXXX, not on my Cost basis or additional Fees or Deposits. Unfortunately their Online Customer Service Computer was incorrectly programmed, and it repeatedly said the 5 % Personal Income Tax was based on the Total Assets. As there is NO Human interaction available to support their Online Customer Service system, paying another {$50000.00} was out of the question. I invested a total of {$300000.00}, + the {$220000.00} Security Deposit for a total of {$520000.00}. I am just sick over this, and have lost most of my life savings. I had transferred all of my funds using my Bank - Wells Fargo. Not once did Wells Fargo warn me against the investment nor did they question my sudden changes in the way i withdrew and made big investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to view my credit report for XXXX  and Equifax and it keeps saying every year I have to mail in stuff when I never got to see the information on report
Product: Mortgage

XX/XX/2019 i was notified by loan care llc that i was behind on my payments. it was found that they went to XXXX. they said they were going to reverse the payments any apply them to their new loan number for me. 

As of XX/XX/2019 those funds still have not been applied, i've just been told it takes time ... i dont understand how after 3 months they still can not get the funds applied. i was told by a rep to send in my bank statements which i did on the website and still have not heard anything back. i was told that this would be resolved on XX/XX/2019 and it still hasnt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

THATS IT IM ABOUT TO LOOSE IT. I HAVE SENT THIS COMPANY A LETTER TOO STATING THAT THE INFORMATION THEY HAVE IS NOT RIGHT AND THEYS NEED TO STOP CALLING AND REPORTING THIS XXXX ON MY REPORT. I CANT HAVE THIS.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2017 Notified by paypal my account was under review and they were suspending all funds ( {$5000.00} ) for review. I use paypal to collect rent, and they requested contracts to verify. Contracts attached below. I submitted on XX/XX/XXXX. <P/>XXXX XXXX, 2017 I receive notice that my account transactions are suddenly considered high risk, that they had run my credit ( XXXX ), and would be withholding all of my money for 90-180 days, as well as 15 % of any new money coming in, at which point I will receive 15 % of it. There is no opportunity to appeal, no decipherable reason for this sudden decision for a transaction I have been doing for years without incident or complaint. Paypal contacted my tenants, who confirmed the contract and amounts, still, my funds are frozen. <P/>XXXX XXXX, 2017 I received another email from paypal alerting me I would not be able to appeal the decision until XXXX XXXX, 2017, and can not request a review until XXXX XXXX, 2017
Product: Debt collection

I am not liable for this debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I am unable to unfreeze my Experian credit report. I continue to receive following error message - " Your account has been locked due to too many failed attempts. Please call us at ( XXXX ) XXXX to unlock your account. '' All Experian phone numbers and relevant prompts route back to this same message. There is no option to speak with a person - only XXXX. Being unable to unfreeze the report is ultimately impacting both me and and my business resulting in both personal and business disruption.
Product: Checking or savings account

I submitted a paycheck from ADP from my employer from an Iowa bank in Iowa which I live. I went to my bank, Bank of America. The check was for {$1200.00} and some change. It was my paycheck. Ive never had a problem with their checks being returned before. The bank is holding my check until a WHOLE 7 days because information on the check indicates it may be returned this is such a bologna reasoning and I need my money to pay my bills. Requests for payments have been returned in my account however, NEVER HAS A DEPOSIT BEEN RETURNED. This is crazy and I need my money and they shouldnt be doing this with at least giving any temporary available funds or trusting their customers.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( S ) 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. 1681 s-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: Credit reporting or other personal consumer reports

I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XX/XX/2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/AIDVANTAGE has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as ofXX/XX/2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, XXXX, XXXX, and XXXX, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.
Product: Debt collection

NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$290.00} XX/XX/2021.. THESE COLLECTIONS HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( XXXX XXXX  The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX, XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$2800.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Victoria secret Comenity bank. 
In accordance to the fair credit report Act this creditor has violated my rights under 15 USC1681 section 6 o 2 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 an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Product: Debt collection

I am filing a formal complaint against debt collector Aldous & Associates for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Under this law, a debt collector must send a written validation notice within five days of their initial communication regarding a debt. However, I never received any such notice before Aldous and Asscoiates reported a collections account on my consumer reports.This failure to provide proper notice has denied me my right to validate or dispute the debt before it was reported to the consumer reporting agencies. Aldous and Associates actions are in direct violation of the FDCPA, and I request the CFPB to investigate this matter.
Product: Debt collection

Comenity Bank contacted me on XXXX at XXXX XXXX regarding a debt in the name of my mother-in-law. I informed them that they had the wrong number and agreed to pass on a message, but to not contact me again. I then received a 2nd call on XXXX at XXXX XXXX regarding the same debt. I told them that they had the wrong number and to stop calling me. They had no record of speaking to me before. I asked for the caller 's name for my own notes incase they called again and was refused. I was passed to a supervisor and when I asked him for his name, he hung up the phone. A Debt Collector refusing to provide their name and information, and consistently calling the wrong number is in clear violation of the Consumer Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian many times over the years and especially these paths few months. Despite providing valid documentation for the bureau to delete false items on my credit report. The representatives often disconnect the line and promise call backs of supervisors which never occur. Investigation results take a long period of time and nothing changes. No real proof of any investigation being done.