23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This credit collection agency is the third credit agency that has attempted to collect the debt, they negatively and inaccurately reported this onto all 3 credit reports. They also failed to give me the opportunity to again dispute the debt, as I has previously did with the other two companies. The other two companies were unable to verify the debt and it was passed onto this company. I received no written verification. They have failed to properly verify the debt now 3x. 

The original creditor XXXX, has failed to verify the debt. The equipment was turned into their local store. I asked them to pull video footage and they refused to. They said I need a receipt of return, but I didn't know that when I handed to the girl in the store. I has asked the girl is that all, and she said " yep '' This was on XX/XX/16. I received a bill for {$680.00}. I asked why so much- she said failure to return equipment. I told her that I had returned it and she stated " they couldn't find it '' I asked her to pull the tapes from the local store and she just said " we don't do that '' What? so now I am left to pay for something that was turned in? I offered to give her the serial # and she said we can not take that. I called again in XXXX when I received the 2nd collection company letter, I disputed it right away, and again told my story, she said the same thing. They I received a credit alert XX/XX/XXXX saying a new collection was on my report. I looked and its yet another credit collection company with the same debt. No letter, no way to dispute.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account witXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to request the removal of XXXX late payments reported on my credit history, specifically in XX/XX/XXXX and XX/XX/XXXX. 

During the XXXX XXXX, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation acknowledges the importance of providing assistance to those who suffered setbacks during this difficult time. 

Additionally, under the Truth in Lending Act ( XXXX ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payments, as they have significantly negatively impacted my XXXX XXXX and, consequently, my ability to access credit in the future. 

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you XXXX require to process this request. 

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

Under the FCRA 15 USC 1681 section 602, my rights to privacy have been violated by XXXX XXXX, Atlanticus, Fortiva, by putting late payments on my credit report due to improper use of my credit report.under 15 USC 166B section 2. I have written to all credit bureaus to show I did not consent to several companies pulling credit checks which is fraud such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX which were all done on XXXX XXXX. I had a deal with XXXX XXXX with no money down already approved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + My wallet and identity was stolen. I was apart of a major data breach connected to my employer. I didnt make any of these inquiries.
Product: Credit reporting or other personal consumer reports

The debt is not valid for XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are incorrect and I have requested financing statements for each along with validations. The reporting is false. The identity used to report this information was stolen.
Product: Credit reporting or other personal consumer reports

XXXX The above account is being reported on credit report illegally by PROCOLLECT , INC . This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A auto account was opened without my knowledge. I have ttied to fix the problem numerous time. With that being said under the many rights were violated under FCRA such as but not limited to, Defamation, financial injury US Court of Appeals, XXXX  Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 & FCRA Section 604 ( A ) ( 3 ). Attached will be multiple documents in order to substantiate my claim.
Product: Vehicle loan or lease

In XXXX, I financed a vehicle, a XXXX XXXX XXXX with XXXX miles on it. My monthly payments are {$920.00}. The field I was in, was able to take care of that monthly payment. But my contract is for 66 months at $ XXXX {$970.00}. In XXXX thats when I got laid off and soon after the pandemic happened. I couldnt find work. And I fell behind on my payment. I still have the vehicle to this day. Ive tried to ask for a deferment so my account isnt in delinquent. I make {$600.00} biweekly payments. During the year of the pandemic I wasnt employed. So I became more delinquent. I would said 10 or 11 months delinquent and I still had the vehicle. Now they call me telling me I have to pay {$11000.00} to bring my vehicle current or repossession will take place. I am struggling. I lost a child during the pandemic and it wasnt easy getting out of my situation. My interest rate is about 22 % or more. I am from the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union has violated TILA laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute.

I have spoke with Navy Federal Credit Union numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with Navy Federal Credit Union since early XXXX  and haven't got any results.
Product: Debt collection

CKS Prime Investments has been advised that I am a victim of Identity Theft and continues to report an account to my credit reports for XXXX, XXXX, and XXXX  although advised as such and requested removal and cease and desist. I am a victim of identity theft and I have removed fraud listings from credit reporting as it prevents me from accessing my own credit file. I have had my information compromised as a result of being involved in multiple data breaches including but not limited to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I have sent multiple letters and filed disputed online requesting proper documentation signed by me. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - They are required to " Promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

im writing to you regarding discrepancies i have found on my credit report. 
XXXX  XXXX acct # XXXX XXXX, XXXX, experian is account as opened. Obviously a account thats been sent to collection should not be listed as an " open account. '' I do not recall having this account or being associated with this company ever i am asking this agency to provide the monthly payments, credit limit, terms, date of first delinquency and date closed as they are missing from the report. 

You were this letter is formal notice that you have failed to respond to my dispute letter in case you are unaware, in accordance with the FAIR COLLECTION PRATICES ACT 15 USC 1692g '' Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " delete '' this item immediatley
Product: Debt collection

I had a court case with the apartment company called XXXX XXXX of XXXX XXXX. In the case, the judge made no money judgement against me. But after the case, The company still ignored the ruling of the court and sent in an amount of {$1600.00} to a debt collecting company called Pro-collect. And i have contact pro-collect several times about the illegality of this debt with a supporting court document but they failed to honored the document. Also, i have contacted the three major credit reporting bureaus and as of now, it is only XXXX that has honored the court document by deleting the debt from my credit record. Therefore, i am kindly requesting from your office to look into this case. Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

- Hello, there is still {$2900.00} missing and not refunded to me. This issue has not been resolved. There are Attachments available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, there was a hard inquiry made on my Equifax Credit Report from an unknown company, XXXX/XXXX. This company had no authorization to access my credit report and by doing so negatively effected my credit score. I contacted Equifax and spoke to customer service rep XXXX. XXXX informed me that I could not dispute the fraudulent hard inquiry because it was a " factual record. '' I was also informed by XXXX that I must contact the company, but Equifax could not give me a contact number. XXXX/XXXX fraudulantly accessed my credit report and I am unable to contact them by phone, the reason for this complaint.
Product: Mortgage

There have been several major problems with Caliber Mortgage, as I have complained about their failures 2 times -- -failure to post payments ( signif. amts ... {>= $1,000,000} since XX/XX/XXXX ), failure to update my account accurately -- -in turn, failures to report accurate info to XXXX Credit Bureau XXXX My credit score is suffering, due to inaccurate reporting info. Also, they say I owe for XX/XX/XXXX -- -not true. And they 're threatening foreclosure action, even tho I 'm paid up on mortgate..thank you.
Product: Credit card or prepaid card

Your company XXXX XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.

Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not  subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
XXXX XXXX XXXX XXXX did not respond to the second dispute letter sent on XX/XX/2017 Per  the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.
Product: Debt collection

I had a debt with them before I paid it over the phone in full now they want $ XXXX Again why if I paid it in full once?
Product: Debt collection

The company, IQ DATA INTERNATIONAL, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 i am an natural person which means the name in all capital letters is not me. My name is XXXX XXXX. 15 USC ( A ) ( 1 ) The term " bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX, XXXX, and XXXX are assumed to be credit bureaus but there is only one bureau and that is the consumer financial protection bureau. 
On XXXX XXXX XXXX Congress enacted HJR 192 to suspend the gold standard into abrogate the gold clause. This resolution declared that " whereas the holding or dealing in gold affect the public interest, and or therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed the provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of Congress... In the payment of debts. This resolution declare that any obligation requiring payment and gold or particular kind of kind of currency or an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, and any coin or currency which at the time of payment is legal tender for public and private debts.

15 USC 1681 ( 3 ) ( E ) ( e ) the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mold living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with XXXX supreme court for all XXXX credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The errors on my credit report pertain to 15 USC 16c-2. These inquiries were not authorized by me and are damaging my credit. Please remove any unauthorized hard inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are not mine US DEPT ED XX/XX/2017 XXXX US DEPT ED XX/XX/2017 XXXX US DEPT ED XX/XX/2017 XXXX DPT ED/XXXX  XX/XX/2017 XXXX DPT ED/XXXX XX/XX/2017 XXXX DPT ED/XXXX XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I started the online process of an " auto loan pre-approval application. '' Through the process I decided not to continue, declined submitting of the application and closed out of the site. U.S. Bank still ran a hard hit on me which I do n't see how they could have done this even if I had gone all the way through because it was only for pre-approval. I spoke to someone on XX/XX/XXXX and was told it would be removed and that maybe if got to the point of no return and still somehow submitted something, but it is still on there. I am wanting to make sure this is removed from my XXXX report. 


NOTE for CFPB : My birth date is XX/XX/XXXX not XX/XX/XXXX like it keeps going to once I go to the next screen.
Product: Credit reporting or other personal consumer reports

these inquiries that TransUnion allowed to be reported doesn't belong to me and if they do can you show written proof where I gave them the permission to place these inquiries also known as charges of which I received NO benefit from. SEE ATTACHED letter please.
Product: Debt collection

In XX/XX/XXXX I went for annual physical at XXXX XXXX XXXX XXXX XXXX and was told that my insurance would cover the physical which has every prior and every since. When I went to this 'doctor ' it was obvious from the start that it was shame, I've never had a physical like the one I had at this place. I'm pretty sure the person who saw me wasn't a trained medical professional. A couple years after my physical I was sent a bill for {$480.00} and at that time I wrote saying I wasn't paying because they didn't provide the service they were supposed and I was told insurance would cover the cost. A few more years went by and they got COMMONWEALTH FINANCIAL calling me nonstop from a variety of numbers. The charge and service was fraudulent to begin with and now I have these guys calling me nonstop throughout the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX2020 I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to XXXX, Experian and XXXX. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.
Product: Debt collection

XX/XX/XXXX a debts collector call asking for money asking for me to verify personal information he wants me to pay everything very pushing after a while I say yes I was gon na pay I just left the phone a hangout up and XX/XX/XXXX after my treatment in clinic a phone call came I say he there to talk to XXXX, he say is me, like he knew me, call me by my name I was confused he start asking about by social security again by social are this 4 your your social are this 4 your social, he say, he is the debit collector pushing I confused say yea and he hand up after I try to reach back the number just say nationwide recovery online people say is a debt agency that after you pay for collection it takes extra money for your credit I want to report it before it happens to me
Product: Debt collection

According to 18 USC 241, 242, My rights are being violated. The third party collector has no jurisdiction to collect on a debt that has been discharged. The request was sent for verification of signature but not received. Due process was not given, I was not properly served with notice to appear. It appears during this time, I was dealing with a sick mother, whom is now deceased. There is no contract that exist between my corporation XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification.

I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 
4 ) What was the date of your inquiry?

5 ) How long was the conversation?

6 ) What was the position of the individual you spoke with?

7 ) What number did you call?

8 ) What is the name of your employee or their I.D . number of the person that spoke with directly?

9 ) What number did your employee call?

10 ) What is the position of your employee that spoke to the at the Bankruptcy court? 

Equifax did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit report.
Product: Money transfer, virtual currency, or money service

I am filling a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I started receiving phone calls from someone last summer claiming that I owe a debt for a pay-pal purchase of {$1700.00} for a account that I never even applied for. I told them that I do not have a pay-pal account and this must be fraud. They asked me if I disputed the charge? I said I was disputing it because I never applied for this credit. A few months later i received a notice from a XXXX XXXX XXXX XXXX. I Called them and asked when this account was opened and what did I purchase and from who? They told me It was opened XXXX XXXX, 2019 but they have no details about what it was for just that they were attempting to collect a debt. Last XXXX I received another collection letter saying that the debt has been investigated and I am responsible for it. I did not apply for this account I never received any bills or any kind of notification from a pay-pal account. But they claim I opened it and made the charge the same day. I did not have any idea that this account was opened no statements emails or anything till they started calling and told me I was delinquent on paying SYNCHRONY BANK, PAY-PAL CREDIT