23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to get an erroneous debt removed from my credit report several times now. The debt is related to a clerical error by XXXX XXXX who said i never returned internet equipment, I have proof of a tacking number as well as a receipt from XXXX showing that the equipment was indeed returned. I have sent proof to the company who says I owe it, XXXX XXXX, as well as XXXX XXXX XXXX ( XXXX ) who the debt was sold to, and to TransUnion. At this time I am filing this compliant against TransUnion as their " investigation '' has been nothing of the sort. They're relying on evidence from XXXX to confirm that the debt is indeed real and accurate, even after i have provided proof of return to all parties. The fact that they TransUnion will not accept my proof, but the proof of the collection agency... who is grading their own homework is wrong. The burden of proof should lie with the XXXX and the collection agency to show that my return receipts are inaccurate. I have provided serial numbers, return numbers, and XXXX tracking... all of these references should be leveraged to investigate my case, and to date they have not. I am a frustrated consumer who is being forced to carry a poor credit score based upon inaccurate information and poor investigation. Transunion Dispute reference number : File Identification Number : XXXX
Product: Credit reporting or other personal consumer reports

I have been calling those companies so many times but they never respond
Product: Student loan

My student loan is broken down into XXXX different loans. I am paying the entire amount owed in XXXX lump sum. The company is applying over payment to some of the loans and missed payments to others. I discovered this in month XXXX of repayments beginning ( I believe XX/XX/year> ). I have sent several communications along with filing several XXXX  complaints. One issue that was determined is that they have my loans broken down into two groups ( Would have been nice to have been told that when I reached out prior to reinstating student loan payments ). The closest I could get to a resolution was them telling me to put in another message through their portal to request the consolidate my loans into XXXX payment, which I did. I am not sure if they followed through on their end or not. I can tell you from my math I owe {$1300.00} a month across all loans. I have been paying that every month. They have been applying it across loans of their choosing instead of spreading it out across the XXXX loans. Because they have been screwing this up since month one and have refused to go back and fix it since I brought it to their attention in month XXXX, I am constantly getting late payment notices. What I need the company to do is go back to the first payment I made and apply it correctly across all loans and then do that for every month until my most recent payment. I then need them to correct their system so that when I make my next payment it is correctly applied across every loan and not just their selection.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account information on my credit report is incorrect, The loan amount is inaccurate, delete immediately. 

XXXX XXXX XXXX - {$4000.00} find attached a letter form the furnisher on the amount owed and check your reporting for confirmation. in the letter it says the alleged debt was {$4000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts 
and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I have the right to request the removal of unauthorized or fraudulent 
information from my credit file.
Accounts to be blocked and deleted: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I received a XXXX dollar loan making XXXX dollar payments and the balance goes nowhere but higher they expect me to pay 102 % interest XXXX dollars for XXXX total redicluos and should be against the law I can't afford that kind of money how many other people are they XXXX  over
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Credit reporting, credit repair services, 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 and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

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

15 US.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation is inaccurate.
Product: Debt collection

The company is saying I owe {$1600.00} for a cellphone bill that was paid off a long time ago. In 2012 the cellphone bill was paid in full.
Product: Credit reporting or other personal consumer reports

The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc., are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Navy Federal Credit Union indicated my loan request was denied because of my credit score and recent late payments. My credit score is in the XXXX 's, and I do not have any late payments on any account.
Product: Debt collection

I had recently made an arrangement for a payment plan to pay my outstanding debt over a period of 6 months. My first payment was {$50.00}. I had missed my second payment and was told by the debt collector company that if I were to have another returned payment, that they would press charges for an attempt to defraud. They have since communicated with my family and discussed with them about my payment history with the company and the amount that I owe.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my mom and I finalized the sale of our townhome condo. I was the primary payer of the mortgage and handled all dealings over the phone with XXXX XXXX XXXX. However, although I was listed as a co-owner of this townhome condo with XXXX XXXX XXXX  I received XXXX credit for the sell and balance pay off. This hindered me greatly financially for years. I reached out to XXXX XXXX XXXX  via phone and they informed me that there was nothing that they could do to correct at that time. 

Due to XXXX XXXX negligence, in not reporting the mortgage payoff my credit score only improved slightly when I paid off my credit cards with the proceeds of the sale. I will need XXXX, Transunion, and XXXX to all update and boost my credit score as well.
Product: Debt collection

I was first contacted by Profit Services Group on XX/XX/2021, at XXXX am. I sent a letter asking the company to validate the debt on Thursday, XX/XX/2021. On that same day, I received a letter with a claim of the alleged debt and a summary of the debt. 

Thursday, XX/XX/2021, I received a letter responding to my request for validation. I do not feel like the company validated the debt so I sent a letter asking the company again to please validate the debt by providing me : Proof of their right to own/collect the alleged debt, the balance claimed including fees, interest, and penalties plus a contract bearing my signature. 

Thursday, XX/XX/2021, I received the same letter and summary. Wednesday, XX/XX/2021, I sent a letter to the company to inform them that I am going to file a complaint against the company. 

Not only have the company not provided the validation needed to collect the alleged debt, but I was also contacted via phone after requesting them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided. 
Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted XXXX and Transunion multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors. 

Please see my attached credit report ( dated XX/XX/2022 ) that shows a plethora of inaccuracies and errors that I have disputed multiple times with each bureau and have come back " verified '' every time. XXXX has conducted reasonable and lawful investigation into each account and has deleted the erroneous accounts. 

Please note that not complying with the laws of the FCRA can and will subject your company to statutory damages of {$100.00} - {$1000.00} ***per violation***. As you can see, there are quite a few violations that have been highlighted.
Product: Credit card or prepaid card

Hello, I am here to clarify my role when it comes to credit. As far as I am aware, I have the right to credit. I filled out an application with AMERICAN EXPRESS and I was denied my right to credit. This is a form of discrimination as clearly defined under the Equal credit opportunity act. My credit report was pulled without my consent, and under federal law credit scores are not a factor in the extension of credit. CFPB even put an article out stating that credit reporting was optional. So to proceed with adverse actions against me solely on my credit report is a violation of my rights and Discrimination. For the violations, a consumer may proceed to litigation and file a civil complaint for actual damages. This discrimination is a defamation of my character and my rights to privacy.
Product: Credit reporting

I have made several attempts to have the remark/comment removed from my credit report disputing the account. The account was first disputed through XXXX for the balance and they did send me supporting documentation proving that I owed the debt. XXXX XXXX XXXX has been receiving payments made through XXXX until I recently started making payments to their website. However, I have made several calls to them in regards and provided letters that I am no longer disputing this account and to removed the remark from all three credit reporting companies as they are currently being paid. This is the response back from Experian " XPN We are unable to remove the dispute comment as requested for XXXX XXXX as the creditor has verified that it should remain on file XXXX/XXXX/15. Phone verification attempted but per XXXX at XXXX no information was given without consumer authorization. We have initiated a dispute to verify information with the creditor once more. The consumer will receive the results within XXXX days. A letter from the creditor authorizing removal of the comment would also be acceptable. " XXXX XXXX XXXX keeps stating it is not them but Experian and I do n't know what else to do at this point.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 My credit was ran without my consent by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account Name : XXXX, Account Name : XXXX  XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX reported four accounts under collections on my credit report and said they would remove them but to date has not removed them. XXXX XXXX XXXX is quick to report but taking their time to fix their mistake and in the meantime they are hurting my credit for their mistakes.
Product: Checking or savings account

My account was hacked and robbed I opened my account in XXXXXXXX XXXX with XXXX and fraudulent heinous things started happening XXXX XXXX XXXX is my name XXXX  is my ( d.o.b ) also I never received my statement when I even put in a change of address from XXXXXXXX California to XXXX Washington and finally I called and made an appointment and they told me they closed my account and I was at fault u even reported fraud but they still never gave me my money please helpe I'm homeless I'm on danger I need to be ok and I'd appreciate you would see me through Thank you and God bless
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX credit report Please remove immediately the following accounts : First Premier Please remove CLOSED ACCOUNT this account was unauthorized REMOVE CLOSED ACCOUNTS from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
XXXX from XXXXXXXX XXXX XXXX on XXXXThe date of this inquiry is wrong.Please verify and provide proof of the date of this inquiry or remove this from my credit report. 
XXXX from XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
XXXX from XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX