23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on XXXX of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX Account Number XXXX I appreciate your attention to this matter.
Product: Debt collection

ACME, a 3rd party collection agency has apparently purchased debt collection from a debt I have with XXXX which I disputed and which they ( XXXX ) refused to dismiss and instead sold out for collection. 

ACME has called from the phone number ( XXXX ) XXXX multiple times. I have asked them to stop calling me and told them they are I have not authorized them, XXXX or any other prior debt collector who purchased this debt to contact me on my home or cell phones. Each time I tell them this they argue with me and they persist in calling even though I have told them that doing so is illegal and I would report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed for chapter XXXX bankruptcy and the bankruptcy included my student loans. The judge reviewed my hardship And verified my documents to prove my inability to pay the student loans. 
I notified fed loan services and they refuse to honor the student loans included in my ch XXXX bankruptcy and sends me notices every month. My bankruptcy was discharged XX/XX/2018. My bankruptcy number is XXXX Delaware bankruptcy. XXXX XXXX and XXXX deleted fed loan services from my credit report but XXXX  wont delete it. I can not afford $ XXXX  month repayment. I get fired all the time. I gave this evidence to the judge. I have to work low paying jobs. Not earning anything near what my credentials are. This is related to institutional oppression. This was proven to the judge and he gave me and my family, mercy and included the fed loans, in ch XXXX bankruptcy. Please help me. I been battling this for two + years now. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Klima Peters Daly took me to court in XXXX  for a garnishment. They are not on my credit. Right now the original debtors are still on my credit report in collections! They took XXXX in garnishment. They also are trying to collect another XXXX. All of this is illegal! They do not have the original contracts. They are also trying to illegally collect my XXXX pay which by XXXX  Debt Collection Act they are breaking the law. They must be stopped!
Product: Credit reporting or other personal consumer reports

I've been denied both on the phone, mail out form and electronically on the website when I tried to request my credit report file from Equifax. I attached a screen recording video demonstrating the automatic denial from Equifax along with a screen shot.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp, ( block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer financial Protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process unfair and deceptive, as they didnt comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions has cause significant inconvenience and financial lost and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX XXXXXXXX XXXX ( XX/XX/XXXXXXXX XXXX {$1100.00} ) XXXX XXXX ( XX/XX/XXXXXXXX XXXX {$11000.00} ) XXXX XXXX XXXX ( XX/XX/XXXX {$1400.00} ) XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXXXXXX XXXX {$1200.00} XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX ( XX/XX/XXXX, {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of XX/XX/1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXXXXXX XXXX XXXXXXXX A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF 1974 15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan from the Department of Education is still open, although I was awarded XXXX and XXXX XXXX. Because I am a percent XXXX Veteran. The account should be closed
Product: Debt collection

XX/XX/XXXX - Requested validation / disputed the debt XX/XX/XXXX - Received notification of pause while they validate XX/XX/XXXX - Received notification of continuation of attempts to collect this debt, but they did not provide validation that is the standard and required according to the Fair Credit Reporting Act. A front bill page with my name on it does not validate that this is my account, nor that I agreed to such an account. According to the FCRA they must provide me with a hand signed contract to validate this debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Deputy Chief Clerk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Re : Rebuttal of Credit Debt Claim - Case Number : XXXX Plaintiff : XXXX XXXXXXXX Defendant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am writing to formally contest the validity of the debt you claim I owe, as referenced in your correspondence dated Capital One- Case Number : XXXX. I believe that there are inaccuracies in your account, and I would like to address them. 
First and foremost, I request that you provide me with a detailed breakdown of the alleged debt. According to the Fair Debt Collection Practices Act, I am entitled to request validation of the debt, including the original creditor 's name, the amount owed, and any associated account numbers. Please provide this information within the next 30 days to ensure clarity on this matter. Additionally, I would like to point out that my records indicate that the account in question may have discrepancies. Specifically, Account was opened XX/XX/XXXX, credit line authorized for XXXX, during this I have filled all obligations in maintaining agreement with XXXX XXXX XXXX XXXX I have attached all supporting documentation as payments made, through my parent account. I believe that these discrepancies could significantly alter the amount you claim I owe. 
Furthermore, I would like to highlight that I disputed the amount charged off was incorrect and payments were being made. XXXX XXXX chose to no longer accept payments in XX/XX/XXXX, when XXXX  XXXX closed the account without notice I owed at the time XXXX, the day XXXX XXXX  closed the account a XXXX dollar posted leaving a balance of XXXX dollar not XXXX, I had also set up monthly payments until the balance was resolved even though XXXX XXXXXXXX select and decide not to accept payments XX/XX/XXXX, this information is crucial for resolving this matter and ensuring that my credit report accurately reflects my financial history. Until this dispute is resolved and I receive the requested information, I ask that you cease all collection activities related to this account. Failure to do so may result in a formal complaint being filed with the Consumer Financial Protection Bureau.

I also have video from my security camera showing a process server coming and leaving paperwork and than coming back 2 hours later and removing the paperwork it wasn't until I went to three different courts to find out this law firm filed a suit against me without serving me paperwork Thank you for your attention to this matter. I look forward to your prompt response and to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and noticed fraudulent and inaccurate information on them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I don't recognize.on my Credit Report. I have Contacted the companies for relief and all 3 Credit Bureaus, I have also attached Identity theft affidavit
Product: Debt collection

I just got a letter from a collection agency saying I owe XXXX {$74.00} I called the collection agency who told me i need to straighten it out with XXXX. After over an hour on the phone with and talking to XXXX different CSR 's they all tell me they have no record of me ever having an account with them and there is nothing they can do. the collection agency told me they are scheduled to report this to the credit bureau within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and I have reported this to the credit companies, however, they have refused to remove these accounts. These account were due to identity theft and should not be on my consumer report. XXXX, has failed to remove these accounts and it has continued to ruin my credit and my approval ratings with many companies or to finance something. Prior to hiring an attorney- I deemed it necessary to try this last approach. The accounts are below - XXXX XXXX XXXX XXXX amount $ XXXXXXXX XXXX XXXX XXXX  amount {$2800.00} - XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was charged off on the following date : XXXX : XX/XX/XXXX Equifax : No XXXX XXXX : XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous
Product: Debt collection

LVNG FundingXXXX XXXX has continually harassed me through calls & emails. When I tried to negotiate with them they would not negotiate. They keep saying they are threatening to sue me. They have sent me emails saying I have never gotten back to them when I absolutely have.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 : XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} Loan XXXXXXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3600.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX$2700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX and associates reported a new collection account in my credit report with out sent me any letter to state that I have the right to dispute. I do not own anything to them but they damaged my credit with reporting negative mark
Product: Debt collection

I have received multiple emails from the debt collection agency where they are telling my settlement account is {$1000.00}. Total Amount Due {$2000.00} with an invoice date of whatever date they are sending me the email. The original amount was {$600.00}, with a balance of {$590.00} My credit report is only showing {$1000.00}, not {$2000.00}. This debt collection company has sent multiple emails inflating the total amount due. They are also repeatedly showing the debt as a NEW debt every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX '' to obtain a free quote for the cost of building a deck on my home. XXXXlXXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX that I only wanted a quote and that I still had to meet with other companies. XXXX  was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told XXXX that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my XXXX, Transunion, and XXXX. By XX/XX/2021 I noticed that " XXXX or XXXX XXXX '' appeared on my credit reports and I determined that XXXX fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to XXXX letting him know how furious I was that he had taken advantage of me. XXXXl knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.
Product: Credit card or prepaid card

FIRST I WANR TO START BY SAYING CFPB HAS CLOSED ALL COMPLAINTS STATING ITS A DUPLICATE AGAINST XXXX XXXX  ... I TOOK A SCREEN SHOT OF THE COMPLAINT WHERW XXXX  SAID XXXX XXXX XXXX ON THE CASE AND XXXX CLOSES IT. XXXX XXXX BEEN RESOLVED COMPLAINT : I currently have a credit card with XXXX XXXX card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint I currently have a credit card with Destiny XXXX  card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX  card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This lease was forgiven by the manager at the company I made arrangements to begin paying the balance owed I made 2 payments one in XX/XX/2020 then another in XX/XX/2020 however because of Covid 19 Pandemic I eventually lost my job and was unable to keep up with my arrangements I contacted the office and let them know that I had applied for EDD and would get a payment to them as soon as my payments began I was assured that was ok and it would not hit my credit negatively however the Edd took months I called the office numerous of times to let them know. 

Well the last time I called the Customer service Rep in XXXX I was advised due to the Pandemic they would not be holding me liable for this debt as the office received funds from the SBA and it was all a wash and since I had made some payments I was not liable for the rest as the world was in disarray and I was employed So I left it alone however 2 years later this is on my credit report
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 am a victim or identity theft and my bag was stolen as well as other items with important information on it which i explained to supervisors at these banks as well my cards and account was used to purchase items and send money to unknown account as well as purchase items online / through XXXX XXXX in different states. Scammers have also taken my unemployment payments. I informed Company and was then told they are not refunding me at all.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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: Mortgage

Carrington mortgage has a extreme delay in processing payment a payment was received and cashed on XX/XX/2021 they took 5 days to actually post or credit account very unethical. Submitted paperwork for modification 3 XX finally on 4th attempt received all information but is taking over 30 days to process while modification still processing receiving harassing phone calls for payment the company is not communicating with other departments. While under the modification process sent a horrible letter intent foreclosure 45 day late payment which was not accurate because they held a payment and did not accredited to my account they day they cashed the funds.