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

When trying to temporarily remove a credit freeze on my experian account, the online access would not work. After many frustrating attempts, I finally figured out that I had to turn off my VPN protection. No where in their documentation did they state that you could not connect to their site thru a VPN. So I can't protect my connection that I send my SS # over with a VPN, nice. Second problem, the phone number they list to call to get assistance only goes to a phone tree with very limited options, none of which addresses the temporary removal of a credit freeze. I did find a phone number in a unrelated manner that connected me with their customer service group over in XXXX ... ..after an hour and 58 minute wait. This is really unacceptable for a agency with such power to be unaccountable and unreachable.
Product: Debt collection

{$430.00}, Portfolio Recovery, I have talked to representatives multiple times about a debt Portfolio Recovery states I owe and told them numerous times that I do not remember ever applying for a XXXX XXXX card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from Portfolio Recovery and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to Portfolio Recovery and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I cald trans union about inquiry issues on my report an the customer service sed the ca n't help me delete this items after that the hung up the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX To whom this may concern, After recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me am updated copy of my consumer report. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This account was paid off in full.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in addressing an issue with my credit report. On XX/XX/2023, I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ive had health insurance at the time most of these medical bills were collected towards debt. 


AmeriCollect ( XXXX ) * XX/XX/XXXX> XXXX XXXX XXXX- {$650.00} * XX/XX/XXXX> XXXX XXXX XXXX- {$430.00}
Product: Credit reporting

transunion stated that they were going to remove a fraudulent inquiry from onemain. it still has not been done, nor have they sent me an updated credit report as pormised in case XXXX. this was filed on XXXX and still is showing as of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of these accounts being reported.
Product: Credit reporting or other personal consumer reports

There is a fraudulent report on my Transunion report from : XXXX XXXX on XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX XXXX a false statement unauthorized transaction a false statement to get money back is bank fraud to his own Bank XXXX XXXX  XXXX XXXX XXXX used to be a authorized user to my account the discover XXXX
Product: Debt collection

*CFPB will send copy of letter to you shortly to atth to this complaint i was sent a letter this month threatening judgement, after XXXX, if i did not call agency and work out debt. 

I depute this debt from Collector and CC Bank now, and i disputed in XXXX. this is false debt. 


CFPB was used then, XXXX as contacting source, between bank and I, to dispute this acct and bank had no interest in reviewing my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I do not recognize on my XXXX credit report! 

These inquiries are for : XXXX XXXX, XXXX XXXX, and BMO Harris bank. They were all made on the same day, which was XX/XX/2020. 


I contacted XXXX and provided all necessary information to prove it wasn't me -- but they did not remove the inquiries!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report & I saw a number of injuries I didn't recognize. I called the bureau & contacted the police department & I was told I may have been a victim of identity theft.
Product: Credit reporting

I filed with equifax a dispute about XXXX account it has been consumer dispute no resolution 's for over 90 days
Product: Debt collection

On XX/XX/2021 I sent a dispute validation letter, cease and desist letter to USCB Corporation. Under 15 USC 1692 C ( c ), 15 USC 1692 C ( c ) ( 2 ), 15 USC 1692G this company is in Federal Violation and did not follow the proper guidelines under the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

Someone has stolen my identity and constantly opens up prepaid cards in my name in an attempt to get into my personal accounts to steal my money. Cash app, XXXX, XXXX XXXX XXXX, square cash cards, etc. I have called these banks over and over again. But they still allow this to happen.
Product: Credit card

I requested paperless billing for a Capital One card account. Not only did the account go paperless, but it became " contact-less '' and " notification-less ''. In fact, the communication just went " dark '' ( no communication ). It only " lit '' back up once I realized I missed a payment by over 30 days. This, of course, created a late payment note on my credit report and trashed my credit score. 
As a XXXX, I have worked extremely hard to do all I can to support my credit score. This is a huge setback. Additionally, the credit reporting/score system makes no distinction between missed payments ( due to being a deadbeat ) and missed payments caused by a logistical issue. Basically I appear to be a deadbeat to lenders. 
Yes, I am responsible for the payment of the account. There was no history ( until this logistical issue - " darkness '' ) where the account was paid late. The account is, once again, paid on a timely basis. I do n't feel like I should be penalized for the lack of contact by Capital One. 
I, immediately, reactivated paper statements. I, immediately, verified Capital One had my correct phone & e-mail contact info ( which they did ). 
I had also requested paperless statements for several other credit card accounts ( including a Menard 's Big Card - serviced by Capital One ). All other accounts continued contacting me via ( automatic ) e-mail message alerts including " payment due '' and " statement available ''. Why was Capital One allowed to risk my credit score by failing to contact me regarding payments due and statements available??? 
In my opinion, Capital One failed me. We spent XXXX ( if not XXXX ) of US tax dollars to create the CFPB. I hate that spending, however, I hate having my credit score, innocently, attacked even more.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2025 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Validation Request for Account Number : XXXX Dear XXXX XXXX XXXX, I formally request validation of the debt you reported on my credit file. I dispute the accuracy and legitimacy of this account and require full validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I also invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) to ensure that only verified, accurate, and legally collectible debts appear on my credit report. 
Requested Documentation : Pursuant to federal law, I request that you provide me with the following documents : Forward Flow Agreement The agreement outlining the terms under which this debt was transferred to your agency. 
Chain of Assignment A complete record of the ownership transfer from the original creditor to your agency. 
Purchase Agreement Documentation proving the exact terms under which this debt was acquired.

Insurance Claim of Debt I request full disclosure if any insurance claims were made on this debt.

Contract or Signature Agreement A signed agreement or original contract where I explicitly agree to be liable for this debt.

Legal Requirements & My Rights : Under 15 U.S.C. 1692g ( b ), you must cease all collection activity and reporting of this account until you provide me with complete and proper validation of the debt. Failure to provide sufficient documentation will be considered a violation of federal law, and I will exercise my right to dispute this account with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Additionally, per 15 U.S.C. 1681s-2 ( b ), if you fail to verify this account properly, the credit reporting agencies must delete it from my credit file.

I request that you respond to this validation request within 30 days from the date of receipt. If you can not provide the requested documentation, you must immediately cease reporting this account to the credit bureaus and remove it from my credit file.

Please send all correspondence to my mailing address listed above. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Starting XX/XX/2022, I started receiving Overdraft notices from Truist Bank. I called them numerous times explaining that I did not open this account. I continue to received the overdraft notices. Early XX/XX/2022, I received a consolidated statement from Truist Bank. Showing two different checking accounts. Again I called them, and explained that I did not open this account. The statement shows one account with {$4.00} and the other account with {$1200.00}. I have also received three different Debit cards from them, of which, I have not activated. I would like this bank to understand, I did not open these accounts and to have my name removed from them. Apparently they were opened by a fraud thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent a MoneyGram of XXXX $ USD to a person on Sunday, XX/XX/2021. After my receiver had difficulties retrieving the money ... On Wednesday, XX/XX/2021 I went to the location where I purchased the MoneyGram, which was XXXX, to cancel the transaction and get a refund. The XXXX  manager informed me the system was not allowing them to refund me due to a verification issue popping up and they advised me to call MoneyGram directly. I called MoneyGram directly and was told there was a verification issue and my transaction funds could not be released nor refunded until they spoke with my receiver directly. After me providing the MoneyGram operator with my receiver 's phone number ( which they asked for ) so they could reach out to resolve the issue, they failed to reach out. My receiver also made attempts to call MoneyGram directly themselves and nothing was still resolved. And my receiver also went in person to his MoneyGram pickup location in person, and no one was able to help him there either. After 3 days of numerous phone calls ( that I have an entire log of ) to MoneyGram and talking to dozens of different people all telling me different things, it is now Saturday, XX/XX/2021 and my issue still has not been resolved and I have yet to been able to go receive my refund.
Product: Student loan

Navient states " you where not in default of your loans since XX/XX/2021, therefore you dont qualify for forgiveness. Even though, the school was found to be fraudulent and I had not made a payment dince XX/XX/2021. I recently filed bankruptcy and they have received funds from my trustee. How are they legally allowed to not discharge or forgiven my private loans? 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to test drive and get information on a vehicle that I wanted from XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I explained to the salesman who greeted us several times that I was not ready to purchase, I was just researching to be prepared. After viewing the car, he sat me down and asked if he could have my information to see what prices he could offer on a lease and a purchase. I agreed and only gave my name, address, and what kind of payment I could afford. He came back with decent numbers but as I had explained, I was not ready to purchase or lease that day. As I was leaving another man called my name from the front door and asked me to give him 10 minutes. He came back with a great deal. No money down, payment of {$290.00} a month. Of course I caved. I filled out all the paperwork, gave them my license plate to transfer, added the car to my XXXX policy. While I was waiting for them to come out with the final paperwork to sign, I was called into the finance office. The finance manager said they couldn't honor the deal without a large down payment. The banks wouldn't approve an 84 month loan. He said my credit was not the problem, the terms were. I was not made aware that the term was to be for 84 months. He asked for the name of the salesman that offered me this deal and when I told him he said Oh, he hasn't been here long, he transferred from another region and had no authority to make such a deal. They tried to talk me into leasing with a down payment or financing with a down payment but the payment would be {$390.00} a month. I walked away from that as I had a bad taste in my mouth from dealing with the salesman. 
The next day I received a notification that my credit score had changed. The XXXX finance manager ran my credit with 3 different banks trying to get it approved. Each hard inquiry was a 3 point hit on XXXX. I feel they should have asked me after the first bank did not approve their terms, not keep trying. I don't believe I was treated fairly.
Product: Credit card or prepaid card

American Express is refusing me the right to enforce the terms and conditions of Arbitration regarding the dispute of XXXX and XXXX XXXX. 

I have demand Arbitration under the Frederal Arbitration Act regarding the Pending Dispute.
Product: Debt collection

On XX/XX/2018 I received a bill via gmail from XXXX XXXX for a bill from five years ago in the amount of {$1400.00}. I contacted XXXX via the above address and their representative directed me to XXXX XXXX XXXX XXXX out of XXXX. 

XXXX confirmed that the account had been removed and I would have to contact EOS. I did and they are animate about me owing them {$1400.00}. 

I requested that the amount be verified, they could not do that. I asked them to send me via email all of the information on my file, they said they could only mail it to me. Their files show an amount of $ XXXXish from five years ago, but could not tell me why the bill is {$1400.00}. I am asking that this issue be investigated. 

Contact information for XXXX is XXXX you can speak with XXXX XXXX and XXXX XXXX XXXX XXXX or XXXX XXXX XXXX , XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Tel : XXXX XXXX XXXX and XXXX XXXX XXXX. People spoken to were XXXX and XXXX. I was told I would be speaking to XXXX but she was not available.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$2500.00} XX/XX/2018.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX XXXX  Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

Hello, I am having a hard time dealing with this collection agency, JJ Marshall & Associates. The alleged debt was originally from a credit union. JJ Marshall & Associates claims that I owe {$270.00}, this is inaccurate and untrue. Not to mention, I never received any type of notification that I owed money, this collection just randomly showed up on my credit report. I have emailed and sent hand written letters to the executive departments of both the original creditor and JJ Marshall & Associates, neither of them can validate the exact amount they claim that I owe or the dates of any activity. I have also disputed this collection account through the credit bureaus and each time it comes back verified. It is disturbing how much damage these companies can do to a person 's financial life and yet not even blink an eye when we request information and accuracy.