23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt collector by the name of rodenburg law firm in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.
Product: Credit reporting or other personal consumer reports

After calling XXXX, I got no response, then I called XXXX and was told to do a credit appeal which was wrong for my issue. Then I tried submitting a compliant on your site and received this message ; This page is currently unavailable. Were unable to take your feedback right now. We are working to resolve this issue as quickly as possible. Please come back later to resubmit. We apologize for the inconvenience. This message needs to get to your immediately and I can not wait until you fix it on your end. 

My issue is about my XXXX XXXX XXXX XXXX that are covered under the Title IV of the Higher Education Act of 1965 ( HEA ) ; listed on the Social Security Administration website in their PROGRAM OPERATIONS MANUAL SYSTEM ( POMS ). Each Loan Provider such as XXXX, XXXX, etc all had a duty to know all Federal Educational Loans were under the Title IV of 1965 and that all my student loans are a GIFT used to pay tuition, fees, or other necessary educational expenses from my XXXX account. My APPLICATION for credit was turned into a COLLATERAL SECURITY per 12 USC 412 and I was supposed to be given a cash advance which is a purchase money loan per 16 CFR 433.1 ( d ) from the loan provider as valuable consideration of exchange which was the application for them to trade on the secondary market for them to profit from but instead those loans are on my credit report as if I'm suppose to pay it back, that's FRAUD. SEE ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX customer service on XX/XX/XXXX. I asked about the policy on removing 30 day late payments the representative I spoke with told me that conns does provide a 30 day curiosity removal to customers that have never been late or have a history of late payments just email a letter requesting the late payment be removed, along with a copy of a credit report showing the late payment. On XX/XX/XXXX, I faxed those documents and called XX/XX/XXXX to ensure they received it and they did. I spoke with a manager who gave me the same information that the first representative gave me. However, I was told from the first representative that I would receive a email within 48 hours with the findings, which I did not. When I called and spoke with a manger on XX/XX/XXXX he told me I would receive a email within 3-5 business days, I did not. I called again on XX/XX/XXXX and spoke with another manager and told me that my request was denied. I have still not received a email or letter stating what the findings were. They had my wrong address on file so I 'm not sure if they sent it to the incorrect address. I did update it. My complaint is that the staff is not adequately trained and they do n't have the correct information, I am in the process of trying to purchase a home and they have given me false hope and information. My issue is that the creditor XXXX XXXX XXXX is acting unreasonably and not providing with the documentation in the time frame in which the said they would. I am requesting that this late payment across all three bureaus be removed as it was stated to me that they could be.
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 confidentially under 15 U.S.C. 1681 has violated my rights 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 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A 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 ) sections states. No consumer reporting agency may make any consumer containing any of the following items 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: Debt collection

I was a victim of identity theft and noticed a collection from RS CLARK I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RS CLARK in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

I am disappointed with the results of my previous attempt to have the accounts listed to be removed off my report. While I understand that an investigation has taken place, I can't get my mind off the fact that nothing has been removed after providing you with enough information for you to check that these accounts are causing me so much damage especially to my credit report.
Product: Checking or savings account

On XXXX XXXX my XXXX was deposited to my Bank of America account. I was able to withdraw {$1000.00} at which point my account was frozen. I called customer service and was told to go to a branch and withdraw my money. I went and was told I must wait 24 hours so I did at which point I went to the bank and was told I must now wait 5 days for them to decide whether they were leaving my account open or closing it. At this point my ppp money meant to save my struggling business is locked in an account. This bank should be out of business the way they hold peoples money whenever they feel like and make you wait until they feel like giving it to you
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.
Product: Vehicle loan or lease

After receiving the car title, US Bank sent a letter saying a sales tax check in the amount of {$2700.00} from the lease was sent to Indiana Unclaimed Property in XX/XX/XXXX with a phone number to call. Indiana Unclaimed has no record of the transaction and suggested I contact US Bank to see about the check. This was in XX/XX/XXXX. 

I called US Bank. Multiple different customer service reps said they " elevated '' the matter to upper management and I would receive a call back. Those call backs have not happened and I have continued to follow up with them. 

On XX/XX/XXXX, I requested a case to be opened by US Bank to send me a copy of the cashed check or electronic transaction to Indiana Unclaimed Property since US Bank has continued to say Indiana Unclaimed has my money. It is case number XXXX. 

I have received no response concerning this case number. I spoke to another customer service representative on XX/XX/XXXX. She said the case was rejected because it was sent to the wrong department within US Bank. No one created another case to send it to the correct department. She said she spoke to upper management and I would receive a phone call by end of business XX/XX/XXXX. As usual, I have not received a phone call from anyone. 

I feel like I've exhausted all of my options with US Bank. I do not have the time or energy to call them every couple days, re-explain the problem, sit on the phone for 45 minutes, and have nothing accomplished. This is why I am asking for you help. 

Thank you!
Product: Credit reporting or other personal consumer reports

Prior investigation submitted and quickly blown off. Given a response that stayed cant be viewed online but trying to call it a huge hassle. I shouldn't have to wait hours and hours or being constantly disconnected to talk to a company that greatly impacts my life in so many ways not just financially, the examples i sent to experian. I'm not trying to cheat the system or take advantage but I want this information that's incorrect and unverifiable to be deleted. While verifying other income so that it's accurate. 


Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName XXXX XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX
Product: Debt collection

In XXXX of XXXX, I contracted with a company called XXXX XXXX for the installation of XXXX XXXX XXXX. During that time, XXXX XXXX directed me to a XXXX called LoanPal to fund the project. Loanpal, now known as GoodLeap alleges that they funded the Contractor directly, on my behalf. The Contractor never completed the work and during the process, closed the business and filed bankrupt. LoanPal, also known as GoodLeap, was requested several times to submit proof that they actually " funded the loan '' to the Company that never completed the work. GoodLeap has failed to show proof of this, maintains that I owe them money, and have severely damaged my credit report. My credit report now shows that as of XX/XX/XXXX, GoodLeap has been reporting the account every month to be Charged Off. I am requesting that GoodLeap remove any and all negative reporting from my credit report. I appear to be the only one suffering from this whole ordeal. Had GoodLeap funded the loan directly to me, the Contractor would have been paid appropriately, and not paid the entire amount until the job was " completed. '' The funds that GoodLeap is claiming to have lost, are funds that would not have been lost if they were appropriately disbursed. And as I said earlier, the company has still failed to even provide any kind of documentation showing that the funds were even paid to the Contractor in the first place. I feel that this company is merely hiding behind a " contract '' and attempting to collect a debt that in reality does not exist. The representative that has responded to a previous complaint here also responded with absolute and total lies. I have saved emails and recorded telephone conversations with agents from their customer service center and none of the responses to my last complaint were accurate at all. Please remove any and all negative reporting from my credit report and go on.
Product: Credit reporting or other personal consumer reports

TRANS UNION REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well, I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request. 

This is in response to your recent claim which you claim I have an {$0.00} charge-off Reporting as negative. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification by XXXX that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from XXXX. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them. 

1 ) XXXX {$340.00} 2 ) XXXX {$260.00} 3 ) XXXX {$100.00} 4 ) XXXX {$220.00} THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT BACK IN XXXX AND IDENTITY REPORT WAS SUBMITTED. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Product: Credit card

I am seeking your assistance in investigating accounts from these companies that are inaccurately reporting late payments. After reviewing my credit report, I noticed certain accounts showing late payments, which is incorrect. These accounts should not have any late payment remarks.
Product: Payday loan, title loan, or personal loan

XXXX XXXX appears to refuse to update reporting. This account has been paid in full.
Product: Debt collection

Midland credit management L.L.C continues to report a collection account on my XXXX credit report even though the original creditor has removed the charge off from my account. I disputed the account " does not belong to me '' and was deleted from XXXX XXXX. I have never received any form of verification from midland funding regarding this open collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Bank account or service

I signed up for a citigold checking account under the stipulations that I would receive some bonus XXXX miles for opening the account and meeting some requirements. I opened the account in XX/XX/XXXX and was told in XX/XX/XXXX that I had met the requirements and to expect the miles in XX/XX/XXXX. I still have not received the miles and I was counting on them to book a trip. I contacted Citi multiple times in XX/XX/XXXX and the only response was that they were looking into it but it was never resolved.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries that was not authorized on my credit report that needs to be removed that was previously disputed with Equifax already. I also have a charge off from XXXX XXXX on my credit report that has been reported nuremous times to Equifax that goes against 15 USC 1681 ( e ) B. 

IRS states once the account has moved over into charge off status, the lender has accepted the fact that theyre not going to be able collect the debt causing the lender to file on their taxes as discharge debt causing the debt on the consumers end to be cancelled or forgiven. The lender failed to provide me a XXXX form making it become income has to be filed. Due to it becoming income and it is to be reported especially something as derogatory, it has to come off my report because that is illegal.
Product: Debt collection

I have never been contacted by or communicated with these two companies : Phoenix Financial Services LLC and XXXX XXXX XXXX. XXXX. I first discovered them while monitoring my credit reports in XX/XX/2022. I immediately sent them a letter disputing their claims. They claim I owe {$1200.00}. This is not accurate. I owe them nothing. I have never received any services from them. I'm a XXXX veteran and receive 100 % of my medical care from the VA and have done so for the past 25 plus years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan is in foreberaance and all the Covid problems. Why is this hurting my credit score so bad. I have credit cards I have payed on time for a year with my accounts. Please advise what to do next. My credit score just keeps dropping.
Product: Debt collection

I contacted this company several months ago through a XXXX complaint after they reported on my credit report a debt that was unknown to me that I have never previously been contacted about. They never sent me the initial letter stating what it was or how much was owed, or my rights to dispute, etc. I waited months and never heard back from this collection agency until I received a letter in the mail from them today, still not showing any debt or original creditor, but what I need to send in. I have already sent this information to the credit bureaus and they have previously blocked the other collection agency who was reporting this fraudulent account until this company purchased it. 
I am now fed up with their debt collection practices, I still do n't know what the debt is for, how much, etc. I know it is not mine, because I never resided in XXXX XXXX. I 'm at my wits end with this company, either they remove it or I 'm going to sue them for violation of debt collection practices. You need to investigate this company!