23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My personal information was exposed in the XXXX XXXX hack in XXXX which I became aware of when they sent me a letter informing me. This debt is not mine. In XXXX I received the first of four debt collection attempts referencing a loan in XXXX, there were subsequent attempts in XXXX, XXXX, and now two in XXXX by different debt collection agencies for the same loan. The first three debt collection agencies dropped their claim after I requested a debt validation letter. The fourth collection agency sent me a debt validation letter and have notified the credit reporting agencies which has negatively affecting my credit rating. The debt validation letter shows only my name, my former address and the last four numbers of my social security number. All easily obtained by criminals.The fourth agency has now dropped their claim and has referred the matter back to the loan originator. There is now a fifth collection agency attempting to collect the fraudulent debt. .The transaction with XXXX had been done electronically and the debt collector did not provide any information as to where the money was sent ; no routing number, account number, tracking number, date cashed, bank name, address, etc. I was defrauded like so many others and have been put in the position of proving a negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am victim identity theft. i was a part of the Equifax data breach and also had my identity stolen on a local level. do to these actions i have had choric amount of fraudulently opened credit cards, car loans, bank accounts and other open without my permission. i reach out to express this to Equifax and to no avail have they tried to rectify the bogus information appearing on my report with is causing me finical and mental anguish because its not allowing me to handle business to take care of my family
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this account. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00}
Product: Debt collection

Jefferson Capital LLC/ Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy
Product: Debt collection

I paid XXXX XXXX my bill, this company RECEIVEABLES MANAGEMENT SYSTEMS has send me statements trying to collect when it was paid, they are trying to charge me {$40.00} for them NOT XXXX XXXX I told them my bill was paid l have the receipt they said l still owe them the collection service for a fee. I paid XXXX XXXX direct, and the collection company is still sending me statements by mail and contacting me by telephone. I called them today XXXX and told them it is paid and nothing is owing. I advised them l would file a Federal Complaint. The account number there showing for them the collection company is XXXX I even mailed them a copy of the receipt weeks ago showing it was paid. I owe them nothing but they still continue contact me. I need the CFPB to look into this matter and have them stop. 

Thank You XXXX XXXX
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 to privacy and confidentiality under 15 U.S.C 1681. XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are violating my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it Mav Concern. 
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information. and accounts ( hat are Un-Ventlied. According to the Fair Credit Reportin? Ati, Section b.lSAof the FCRA - vou are required to promptly Oblaisalinformation that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 9 1681., every single one even each any of the unproven, non compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory atcounts must be promptly negated in its entirety or the alleged accounts are to be I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts of provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reportinn standards arcordins to resulations.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED XXXX INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOr PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right NOW The obvious infractions are as follows : XXXX XXXX  and Account as is reported on my credit report : dispute item Ally Finical and as I have never opened an account with that provider I have never co signed for anyone By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the RSA enacted CDIA XXXX XXXX  COMPLIANCE regulations, I demand that these above mentioned derofatory items be investigated and permanently removed from my report
Product: Credit reporting

One Company put in my credit Report a Debt for XXXX dollars for XXXX time. 
XXXX time i did a claim in the All of XXXX Credit Buro : The Result was : DELETED THE ACCOUNT. This account do n't belong to me or was Used my name. 
XXXX Time : The Collection Company tried to Put again this Debt in My Credit Report. I did a Claim and the Result : The Account was deleted. XXXXAnd Today XXXX/XXXX/XXXX i was checking my credit report and appear again this account. Equifax do n't send any information why or the reason that this Collection appear again in MY CREDIT REPORT. 
I need your Protection for eliminated this account for ever of my Credit Report. And Also put the penalty for Equifax because do n't obey the Law for reinsert Collection deleted for XXXX time. Of course the worst situation is They had proof for my XXXX claim that this Debt is n't mine.
Product: Credit card or prepaid card

In XXXX and XX/XX/2019, I paid off two credit accounts ( XXXX XXXX and Bank of America XXXX in full based on the current balances posted online. Both accounts were paid on or before the due date. In spite of paying the full balance posted XXXX not the last statement balance ), I was required to pay additional interest in subsequent months. As a consumer, this is a true slap in the face of anyone who pays their accounts in good faith in order to maintain or achieve good credit. How are consumers supposed to get out of debt if interest continues to accrue on balances that get paid off? Please consider developing a process where consumer credit accounts can offer a pay-off request on-line similar to consumer loans so that people can be reassured that paying off an account is final. This means that if a customer selects a pay-off request, then daily interest stops. If the payment is not posted in full by the pay-off date, then of course interest should continue to accrue. I followed up with both creditors and paid the interest, however I was given no guarantee that the posted interest does not constitute a new balance which can accrue additional interest. My creditors certainly didn't offer to waive the interest on the pay offs, so this creates a cycle of being robbed masked as the " cost of credit ''. Please explain how a credit account can finally reach a {$0.00} balance short of closing the account entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX : {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$220.00}
Product: Credit reporting or other personal consumer reports

I'm filing this complaint for myself. My credit report shows late payments. I sent letters over a month ago but received no response, and they haven't provided adequate validation. I'm seeking your help to resolve this issue.
Product: Debt collection

RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by Alridge Pite, LLP. and XXXX XXXX XXXX XXXX hereafter XXXX XXXX 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to Alridge Pite, LLP. and XXXX XXXX on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, Alridge Pite, LLP. and XXXX XXXX failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by Alridge Pite, LLP. at the request of XXXX XXXX See EXHIBIT-A. 

4. Please be advised that Alridge Pite, LLP. and XXXX XXXX is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. Alridge Pite, LLP. and XXXX after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. Alridge Pite, LLP. and XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling XXXX XXXX and Alridge Pite, LLP to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
Product: Debt collection

I am not really sure who to complain about. I was delinquent on XXXX Capitol One cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing Capitol One, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX XXXX XXXX, attempting to collect. I looked at my credit report and saw that both Capitol One AND XXXX were listed as companys that I owed. When I contacted Capitol One, they told me that they sold my debt to XXXX XXXX. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented Capitol One? If so, this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$21000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent Equifax a letter requesting the inaccurate information be deleted from my credit report, asking for the validity of the debt and/or it be deleted from my account because this is my 3rd and final letter before I turn this matter over to an attorney.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid the balance to XXXX for my credit card with XXXX  XXXX  but they are reporting negatively on my Equifax report but reporting pays as agreed but in the negative accounts section. I need this corrected and report positively as I paid in full and closed the account at my request as I no longer wanted the charge card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account I listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  I Account # XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am human and this is affecting my life. Please kindly remove off my credit report.
Product: Payday loan, title loan, or personal loan

All the details remain from my previous complaint. 

However, since then, they charge me again, after specifically being told, they do not have permission. Because of this, I am unable to eat. 

The payment below was not only unauthorized they were specifically told not to charge my bank account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be XXXX. 
XXXX sent me a response and said that this creditor was not appearing on my credit report. I sent XXXX proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.
Product: Credit card or prepaid card

Had a USAA credit card for approximately 17 years, never delinquent, late, etc. Yet, TWICE in as much time - USAA sent me VERY OFFENSIVE correspondence - so on the last one, in XX/XX/XXXX - I demanded that they close my account. Even requested they " negotiate '' a " payoff '' of my account - but was discriminated against because USAA informed me that " USAA only negotiates a smaller amount of a payoff with people whose accounts are delinquent. '' What-the-XXXX?!? Since the closing of my account - I have made monthly payments OVER the amount due ( I also did so during the 17 years it was kept current ) - except for XX/XX/XXXX, wherein I forgot my payment. It was due on XX/XX/XXXX. Today is XX/XX/XXXX - not even an entire MONTH past due - and I have received a letter AND TWO debt collection phone calls from USAA. What-the-XXXX?!?! I sent USAA an email - put in writing - that I DEMAND THEY STOP CALLING ME - yet, again, today I receive another call from USAA! UNREAL and very discriminatory to say the least!!! I am now contemplating BANKRUPTCY. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX