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

The credit bureaus have been playin scare tacted games to the point they lie and dont even want to dispute or remove inaccurate accounts that seem to misleading all creditors when i try to apply for credit i get denied because of the mislreading and inaccurate the credit bureause report. I have sent letters and even faxed asking and showing proof of how they are violating my consumer rights. Then they will respond to the CFPB like they are following the laws and consumer rights. I have several upload and document to show and prodd what they send me when i request for accounts to be removed or verified correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017
Product: Debt collection

second time disputing this account this month because XXXX clearly doesn't know the law, this account is not even close to being accurate to the original creditors. debt collector account say I owe {$200.00} and the original creditor say I owe {$550.00} this my dozen time disputing this account, XXXX  & XXXX  BOTH REMOVED THIS ACCOUNT BECAUSE THEY SEE IT HAS A HUGE VIOLATION. Please view the highlighted areas Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Removal XXXX Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX XXXX : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX at an authorized XXXX dealership. Upon the trade the dealership was suppose to pay off my old car. My financing company for the XXXX began calling me about late payments which confused me because the car should have been paid off in full by my new financing company. I was in full communication with both companies for weeks about this error and was assured this should not affect my credit. The new financing company corrected their error and paid the car off but not before negative reports were made on my credit report. The new financing company made a big mistake when it came to my trade. I was in full communication and cooperation with both companies and feel there was nothing I could have done differently so the negative report and credit score reduction should be corrected.
Product: Credit reporting or other personal consumer reports

Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties. 
The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared. 
The institution provides an explanation of how the consumer can exercise this opt-out right. 
In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights. 

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 have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with Experian. Consequently it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Product: Debt collection

MY WALLET WAS STOLEN IN 2018. FRAUDULENT ACCOUNTS WERE OPEN IN MY NAME. THEY HAVE SINCE THEN BEEN CLEARED UP EXCEPT FOR NAVY FEDERAL.

ALL THREE BUREAUS STOPPED REPORTING THE FRAUDULENT INFORMATION, NOW XXXX HAS DECIDED TO REPORT THE FRAUDULENT NAVY FEDERAL REVOLVING ACCOUNT.

THEY ARE REPORTING FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED IMMEADIATELY, PERMANENTLY.
Product: Student loan

I have setup an auto draft for one of my student loans ( Perkins Loan being collected by XXXX XXXX ) which was only {$40.00} a month. In addition to that, whenever I could I made additional payments more than the required monthly payments to pay off the loan faster. However, few days ago when a mortgage lender pulled my credit we noticed that I have few late payments on my credit record all from this account. 
I called XXXX XXXX and for days they were not responsive and instead send me back and forth to my school or my bank. After few days someone finally responded to me and said that the auto draft was never setup and therefore I was getting hit for late payments. They claimed that I have been notified but I have been leaving in my current address for 4 years and not once I received a notification from them. 
I explained to them that this is a mistake or misunderstanding. I explained that I have other student loans with even higher monthly payments that I have never been late on ( in fact it is paid a head till 2020 ), I also have multiple bills that I pay monthly and I have never been late on anything ever in my life so why would I be deliberately late on this account. In addition, I offered to fix this by paying off the remaining balance on this loan in full today in exchange to get this inaccurate late payments removed from my account, but they just simply said no with no additional explanation. 

I have maintained a perfect credit score for years so that I can use it when it is finally the time for me to buy a house. Now I am in the process of buying a house but since my credit score is missing only 3 points I might not be able to buy the house or any house for now. I don't like complaining but I am being punished for a system error and XXXX XXXX is not willing to help me in any way so I am asking you to please please help me to fix this problem.
Product: Debt collection

I am disputing a {$1400.00} debt ( Account XXXX. XXXX ) that TEK-COLLECT is attempting to collect on behalf of XXXX ( XXXX ). The alleged contract, dated XX/XX/XXXX, contains a signature that is not mine. It appears to be either forged or a digitally generated signature I never authorized. It does not match my legal signature as shown on my U.S. passport ( attached ).

The contract lacks any language indicating that I consented to the use of electronic signatures, thereby violating the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ) and the Uniform Electronic Transactions Act ( UETA ). Furthermore, an unsigned addendum claiming to alter payment terms was issued without my knowledge or written approval a direct violation of the contracts own modification clause. 

The document also lacks a required Florida XXXX XXXX XXXX certificate, potentially rendering it unenforceable under Florida XXXX XXXX. According to Florida law, failure to affix the required stamp tax may prohibit the enforcement of the contract.

I never received orthodontic treatment. I was not evaluated by a licensed provider, received no diagnosis, no aligners, and never communicated with a dentist or orthodontist. My teeth remain untreated and visibly crooked ( photo attached, timestamped XX/XX/XXXX ). 

XXXX filed for Chapter XXXX bankruptcy in XXXX and ceased operations. According to the New York Attorney XXXX XXXX settlement, debts from consumers who did not receive services were deemed void and subject to cancellation. Additionally, the XXXX Attorney XXXX XXXX lawsuit against XXXX cited systemic failures to provide medically supervised care. 

The contract lists a total balance of {$2500.00}, yet TEK-COLLECT is seeking {$1400.00} an unexplained and inconsistent amount. This debt was referred to TEK-COLLECT by XXXX XXXX XXXX XXXX XXXX ), a third-party payment processor that, by the contracts own terms, is not a lender or creditor and had no legal authority to assign this debt, violating FDCPA 1692e.

TEK-COLLECT never provided me with a written validation notice within five days of initial contact, violating FDCPA 1692g. They are actively reporting this debt to credit bureaus, incorrectly classifying it as a health club account, which constitutes further misrepresentation under FDCPA 1692e and the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ).

Their conduct also violates the Florida Consumer Collection Practices Act ( FCCPA 559.72 ( 9 ) ), and may constitute a breach of the Colorado Fair Debt Collection Practices Act, given their listed address in XXXX, CO. 

I previously filed a CFPB complaint ( Case # XXXX ), but TEK-COLLECTs response failed to address the forgery or the complete absence of treatment, which has led me to escalate and refile this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an email that a MOHELA was my new servicing provider. My non-profit XXXX  employer XXXX  XXXX XXXX has been paying XXXX for my student loans for over 6 years now. I am unsure why these loans have not been removed due to my personal information being breached by the servicing providers are passing my information around which goes against the FCRA 605B. All loans with Mohela need to be removed due to this breech.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX XXXX XXXXXXXX, XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account XXXX XXXX  date opened XX/XX/XXXX XXXX {$2400.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$750.00}, XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$640.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$430.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$310.00} XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX  Account # : XXXX  date opened XX/XX/XXXX bal. {$100.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$37.00}, XXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I live in California, Pacific time. I tried to make a payment to my Amazon Credit card on the due date, XX/XX/XXXX. I was online at XXXXXXXX XXXX Pacific time and Amazon Credit Card ( outsourced to Synchrony ) wouldn't accept my payment. I called Synchrony and they count due date in Eastern time Zone! So I was told that I was going to get a late fee because I made my payment on the due date but not Eastern Time. I lodge this complaint because I believe this is a scheme by Synchrony to collect late fees. I know that technology is available to accommodate the different time zones, so Synchrony should stop gouging customers who aren't in Eastern standard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked my credit with XXXX credit without my permission. I never ask them to check my credit. They used my information for someone else. I never tried to get credit from this company, my credit was checked on XX/XX/2021. They did not have my permission to check my credit. I never gave them my permission. If they would have checked they would have seen that there was a block/freeze on my credit report. They would have had to call me to get my consent to check my credit. There is a statement on my credit report that states to call me before they check my credit. I never got any phone call nor did they contact me by e-mail or mail. 
This is identity theft. I never ask them for any credit. They disobeyed the law by checking my credit without my consent. This is not the law when there is a statement on my credit report to call me before they check my credit. 
No phone call ever came. Identity theft.
Product: Debt collection

There is a collection reporting in my credit that was just reported that is a result of Identity theft and someone using my personal information. 

I tried reaching out to the company and letting them know and also disputed the account with XXXX  and they continue to try to collect and damage my credit. the account number is CAPIO PARTNERS LLC Original creditor : XXXX XXXX {$590.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$590.00} {$590.00} Payment Info Original balance {$590.00} Balance {$590.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments Account information disputed by consumer Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER
Product: Credit card or prepaid card

Approximately 6 months ago I called Barclay 's to ask them to reduce credit card payment. We were still recovering from COVID layoff 's, had a death in the family and actually used the credit card to pay for final expenses. Our rent also went up {$400.00} in XX/XX/XXXX. The representative said that she needed XXXX XXXX 's permission to speak with me. We called XXXX XXXX on a three-way call and he gave permission. The representative said that she would reduce our monthly payment. That did not happen. We called a second time, XXXX XXXX was sitting with me and gave permission for me to discuss the card. This representative ( second time ) said that she could get us to lower payments but it didn't happen. We called a third time, again said they would reduce payment from $ XXXX monthly to $ XXXX monthly. All the while I continue to pay what we can afford monthly $ XXXX {$180.00} monthly. We are ( were ) in the process of buying a house but when the report was ran, it came back that Barclay 's is in delinquent status ( because we wer n't paying the minimum ). We were disqualified for the house ( XX/XX/XXXX ). XXXX XXXX called Barclay 's XX/XX/XXXX ( 4th call ) and the gentleman made arrangements that are now reflected on the website as closed account with payment arrangements. The representative said they did not reduce payment because I ( XXXX XXXX ) was not an authorized user on the account, but I am his legal wife and pay this bill through my account. We lost the home that we were in escrow for because of their incompetence and miscommunication.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : MIDLAND FUND Account Number:XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY