23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACCORDING TO MY CREDIT REPORT THIS ACCOUNT WAS OPENED ON XX/XX/year> FOR THE AMOUNT OF {$1000.00}. I DO NOT RECALL EVER OPENING OR TAKING OUT A LOAN NOR DID I GIVE PERMISSION TO ANYONE TO USE MY INFORMATION AND OR SHARE IT. 
Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed, and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you *Explain and show me how you have computed the amount *Send me the copies of any documents that prove I agreed to pay the alleged amount *Identify the original creditor *Confirm that the account has not crossed the SOL period *Prove that youre a licensed debt collector *Show me your license numbers and registered agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv 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
Product: Debt collection

Collection Attorney for Nebraska XXXX XXXX XXXX XXXX XXXX XXXX demanded contact information for my XXXX  XXXX and then called him and disclosed information about the debt. Violated Fair Credit Collection act by disclosing information to a 3rd party
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.
Product: Prepaid card

I have a Rushcard and as of today I still do not have access to my funds. I have called numerous times and have been given false information. On XXXX occasions, I was told my card would be unblocked in XXXX hours. I was also given conflicting stories by customer service agents and put on hold for long periods of time or hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine
Product: Credit reporting or other personal consumer reports

I submitted multiple dispute letters requesting specific items on my credit reports be investigated, deleted, or provided proof of debt ownership. The items still remain on my credit report, and no documentation has been provided that shows that these items belong to me and I am liable to pay the debts.
Product: Credit reporting or other personal consumer reports

Synchrony Networks {$5300.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibility to report Accurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I recently noticed that my XXXX account have PayPal credit of {$2.00} limit with {$0.00} Balance never been used opened without my knowledge I would like to remove the account off my credit report immediately.
Product: Payday loan, title loan, or personal loan

I obtained a car title loan from XXXX on XX/XX/XXXX in the amount of {$2400.00}. The loan was for a period of 24 months at 24.88 % interest. I made each and every payment on time with no exceptions. The loan was paid off on XX/XX/XXXX. 

Starting about 10 days after the loan pay-off, I began calling their customer-no-service line at XXXX to inquire about the notarized documents needed to take them off my title as a lien-holder. The first customer-no-service person informed me that they have 17 days to return the title and that I should expect a document about that time ( XX/XX/XXXX ). Indeed, an envelope did arrive in the mail from XXXX. Inside was a copy of my note with a letter stating the loan was paid-in-full. The letter was unsigned and had been printed on a laser printer. The letterhead was so pixilated it was nearly unreadable. I called the customer-no-service line the next day and was told the letter could be taken to my local tag agent to remove the lien. Of course, I could see that was not true. The agent then told me that the letter was a courtesy letter until my actual documents would arrive ... now the 17 days became 17 business days. 

After the 17 business days had expired ( XX/XX/XXXX ) I called again and the customer-no-service agent informed me that they actually had 30 days to get my documents to me. Subsequent calls to customer-no-service I was told the documents had gone in the mail on XX/XX/XXXX. I pointed out that was a Federal holiday ( Columbus Day ) and it would have been impossible for that to be true ... the customer-no-service agent doubled down on that story and offered to provide a tracking number ... which proved to be fake. 

My loan agreement is with Manor Resources , LLC operating their company at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The principal owner was XXXX XXXX. They have a one star rating with the BBB in XXXX.
Product: Credit reporting or other personal consumer reports

avid acceptance is reporting {$18000.00}, XXXX  XXXX {$430.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX are fraudulently reporting on my consumer reports which is a violation of 15 usc 1681 and 15 usc 1666 I have been a victim of several data breaches including SSA, and Equifax data breach this is having an adverse effect on my life as I am in the process of securing my financial future and becoming a homeowner this identity theft issue needs to be resolved immediately I have filed an Identity theft report please remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous conversations with CITI regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into CITI through Costco. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to CITI and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the CITI phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XX/XX/XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Product: Debt collection

Please see attachments and follow demands listed in attachments. To date, Resurgent has NEVER validated the debt nor have they provided the requested information. The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted as soon as possible. I have reported the theft to my identity to the Federal Trade commission. I have attached a PDF document reflecting all items. Please investigate these matters and remove the disputed items as soon as possible. Unknown inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Debt collection

I am a federally protected consumer and I requested validation of alleged debt with Navient. This document was received by Navient on XX/XX/2020. I have yet to receive a response from the company involving this alleged debt. Navient is in violation of XXXX.
Product: Debt collection

On XX/XX/30, I scheduled payment from my TD bank account, XXXX XXXX XXXX to my student loans company, XXXX XXXX XXXX ; my account number is XXXX. However, the transaction was reversed due to insufficient funds in my TD Bank account, and XXXX XXXX XXXX canceled the transaction. Despite this, my TD checking account still shows that the transaction was executed, and I was charged {$2500.00}, even though the payment was reversed and not posted on my student loans account. Td bank charged me {$2500.00} and sent my account to the collection agency. TD Bank customer service is very rude, and they are unwilling to resolve the problem with my fraudulent charges. Why Td bank still charged me {$2500.00} even the transaction was canceled and money wasn't post on my XXXXXXXX XXXX XXXX 

My TD Bank account is now closed and has been sent to collections. 
Td bank account : XXXX customer service : XXXX XXXX XXXX XXXX XXXX loans The account number is XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.
Product: Credit card or prepaid card

I attempted to purchase a truck bed from a salvage yard in XXXX Illinois, called XXXX XXXXXXXX XXXX XXXX I used my Discover card to make the purchase. XXXX XXXX XXXX then turned around and charged my card twice for the same purchase. The original purchase was on XX/XX/XXXX, the double charge occurred on XX/XX/XXXX. 
It took a month to get the double charge straightened out. The truck bed never did show up at my home. It is now XX/XX/XXXX. I have contacted XXXX XXXX parts several times, with no help, they are the epitome of dishonesty and liars. Discover Card has ruled with the Merchant on this issue, saying that the charge was valid. I have talked with them at least 10 times on this matter. I never received the part in question, never signed for it, if it were dropped off, which it wasn't. The amount of the truck bed was {$1700.00}, which supposedly included shipping. XXXX XXXX XXXX  has told Discover card that they did ship the truck bed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mt. XXXX. The trouble is There is no such address, as I have checked on it, and the biggest mistake they have made is I live at XXXX XXXX XXXX in XXXX, Mt. XXXX which is 10 miles away from XXXX, Mt. XXXX XXXX parts has over 10 complaints against them with the XXXX. And their XXXX reviews are horrible. Still, Discover Card has chosen to side with them. After I have been a solid Customer with Discover card since XXXX. There were never any tracking numbers from XXXX XXXX XXXX or any Email telling me when to expect the truck bed. The truck bed is 5 feet wide by over 6 feet long. Pretty hard to misplace something of this size. The double charge on the Card mentioned above was also for {$1700.00} which took a month to get reimbursed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX CO XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report today ( XX/XX/XXXX ) and identified an error on my credit report for Account # : XXXX. During COVID I called and set up a plan with XXXX due to hardship during the Pandemic and we had an agreement in place for payment. Unfortunately, I have submitted multiple disputes, contacted the servicer and called EQUIFAX but my report still has not been updated. Please assist me with updating my report and removing those late payments. 

According to 15 USC 1681EB you are required to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete this account immediately for violating 15 USC 1681EB. 

Additionally, SEC. 4021. Credit Protection during COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding unauthorized inquiries on my credit report that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ). Under this statute, a consumer reporting agency may only provide my credit report to entities with a permissible purpose, such as a signed authorization or a legitimate business transaction initiated by me.

Upon reviewing my credit report, I discovered the following inquiries that I did not authorize : XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) Since I never provided written authorization nor initiated a transaction with these entities, these inquiries violate my consumer rights under the FCRA. Hard inquiries negatively impact my credit score and should not appear on my report without proper authorization. 

I have already disputed these inquiries with the credit bureaus, but they have failed to remove them. Therefore, I am requesting the CFPB to investigate and take appropriate action against these violations. I also request that the reporting agencies remove these inquiries immediately, as they were placed without my consent. 

Attached are copies of my credit report highlighting the disputed inquiries, along with any supporting documentation. 

Thank you for your time and assistance. 

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

I when online to apply for a payday loan at XXXX XXXX XXXX and in Louisiana you can only get {$300.00} payday so I het enough money to pay back the loan but as I continue on the application I get to the part where I put in the income so I tell that part and as soon as I click the submit button it comes back and say denied and I call the company and they say they run a basic credit check but they must don't have the information update on a daily basis because insufficient income is not a reason to turn a person away if they get {$800.00} a month and applied for a {$300.00} loan. This company need to check into because they have their system messed up for a person trying to get a loan with limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in XXXX & XXXX about Experian reinvestigating each hard inquiry on my credit report. I have not received any response to this matter in the mail. I have had identity theft in the past and Experian has the police report and identity theft report on file. My SSN number, multiple credit cards and more were taken at that time. I had 3 burglaries between 3 years XX/XX/XXXX-XX/XX/XXXX. Multiple hard inquiries on my report I did not make and have no permissible purpose to have them reporting.
Product: Credit reporting 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. 

Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit card

I signed up for a Citi credit card which promised XXXX XXXX XXXXXXXX XXXX if I spent {$3500.00} in 3 months. They card was approved but with a very low credit limit which made meeting the required amount in 3 months difficult ( not impossible, but difficult ). There was no reason for this low credit limit. I have a credit score of XXXX and not an excessive number of cards. They also keyed my social security number in wrong making it impossible for me to set up my on line access ( they acknowledged this on the phone today that they keyed it in wrong after the card had been approved with the right SS XXXX ). I spent a large amount of time trying to sort this out which resulted in my true inability to take advantage of the miles offer. I believe they baited me with the offer and intentionally gave me a ridiculously low credit limit and then made it more difficult to achieve the bonus. I just cancelled my card and will not do business with them again. This seems like a scam to get people signed up for the card, not really give access to the miles offer and it took a lot of my time.