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

A XXXX XXXX account is being reported on my credit file on both XXXX and TransUnion reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX  is using to validate my information as reported by XXXX. 

I've disputed it with XXXX, TransUnion and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
Product: Vehicle loan or lease

In XXXX of XXXX  I bought a vehicle from US Auto sales I also purchased an extended warranty at the time. 2 months later the transmission started to leak I took it to a transmission shop the company reached out to dowc the supposed warranty company XXXX informed me that US Auto sales never paid the last 18 months of extended warranty payments to them so I had no extended warranty I called us Auto sales immediately they said that they would fix this issue a week later I found out that they closed their doors. They sold the company so I called the new servicing company and they said that they could only collect payments they had no information on my contract I stated I could send a copy showing that I paid {$2000.00} for an extended warranty and they said that they unfortunately could not honor that. I have contacted multiple times stating to them that I wanted that money either refunded or applied towards the loan or I was no longer making payments since they breached contract and I would have to pay out of pocket for the transmission to be fixed so they repossess the car and after all of that reported to my credit the original amount of the loan without any of the payments that I had made.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX, refuse to follow the FCRA laws. They have violated my Rights. 15usc1681i ( 7 ), 15usc1681i ( 5 ), 15usc 1681e ( b ), 15usc1692c ( c ). After disputing accounts and inquiries with supporting documents and they still refuse to investigate or send back verified information.
Product: Debt collection

Contacted Portfolio Recoveries regarding a collections account. 
Reached an agreement to pay the account for less than amount owed. 
Requested documentation of our agreement and was told that a letter would be sent via email. Have not received letter. 
Made payment on the agreed upon offer, and the account remains on my credit report with a balance of the difference between what was paid and what was originally owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

Moved out of this place on XX/XX/2022. I Sent the office, their corporate attorney XXXX XXXX, XXXX, XXXX the assistant manager XXXX  lastly Genesis XXXX XXXX XXXX proof this. Money is not owed. Here are the photos showing the dates. 
Please do not just one this complaint just because the company answers especially if they do not remove this from report. 
Saying they did something without showing proof is not a resolution. Nor is it abiding by the Fair Credit Debt Reporting Act.

I could easily pay {$300.00} point is I don't owe it. 
This apartment was cleaned to better than I moved I'm for immediate rental. 
Plus is was available days before my legal lease end date. 
It was late when I finished cleaning the bedrooms do not have their own lights so the pictures are blury they are trying to collect {$140.00} for dirty appliances XXXX {$160.00} for stain carpet and my furniture coveted the majority of these small bedrooms and I lived alone did not spill items on floors I am not much of a soda or juice drinker and the carpets are industrial brown tweed carpets.but that's besides the fact there we not stains
Product: Student loan

I requested to be considered for TEPSLF on XX/XX/2018. I was denied forgiveness under that program on XX/XX/2018 and the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. The monthly income-driven payment amount calculated using your information on file was {$350.00}. A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This reason for denial does not make sense since my last payment WAS {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is MIDWST RCVRY. The original creditor was XXXX XXXX XXXX XXXX XXXX. and this is not my debt. I am XXXX feet tall not XXXX feet XXXX  inches, I have XXXX XXXX, not XXXX. I was XXXX not XXXX. I've never been employed by XXXX XXXX. I have not been XXXX XXXX  sinceXX/XX/XXXX. I never lived at the address in the complaint or on the hospital bill. I was never XXXX XXXX in the state of Florida. This is a case of mistaken identity or identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating, " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' XXXX, XXXX, and TransUnion have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX XXXX XXXX. XXXX says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF MY CREDIT REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently credit inquiries on my reports that I did not authorize. I have no knowledge of these inquiries. I am a victim of identity theft and my police report and FTC document is on file with all three credit bureaus. 


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

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 USC 1681. 

XXXX : XXXX, has violated my rights. 

XXXX5 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.
Product: Debt collection

Back in XX/XX/2017 I financed a car at XXXX toll. I didnt have to put any money down except to pay to start full coverage insurance with XXXX. I believe I paid {$270.00} something dollars to put down to start the insurance. I was ok with that. We discussed my monthly payments and I was signed up and finished. I left with my new car. Not even a week later I wanted to go online to see about adding renters insurance because I had just got an apartment. The login information was incorrect for some reason so I called customer service. THEY HAD THE WRONG DATE OF BIRTH on the account. She changed it and updated it then said it would change my rate. It changed my rate up to {$80.00} more a month. Something I could not afford so I told them that I didnt want to use them as my insurance anymore so I went somewhere else. Now I see I am being billed for {$500.00} dollars for insurance I didnt have for not even a month. Because they made a mistake and messed up my rate. Had that allowed me to keep the rate, things might have been different.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Multiple TILA violations ; failure to provide full material disclosure as required by Truth In Lending ; denial & refusal for Consumer Law Right to Rescind - 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) XXXX ( 3 ) ( i ) There was a Violation of Contract Law resulting in Contract fraud due to lack of providing full material disclosure as required by the TILA ( Consumer Credit Protection Act ) therefore there is a Billing Error that needs Resolution ( 12 CFR XXXX ) PURSUANT TO 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. Originally requested on XXXX has still not been provided. 

As a result of your failure to provide me with the full accounting details, this agreement is considered fraud in the factum. 15 U.S. Code 1692e - False or misleading representations XXXX XXXX charge. ( b ) Examples of finance charges. The finance charge includes the following types of charges ... ( XXXX ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. You violated Regulation Z by not including the sum of all charges in the Finance Charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint on Equifax ( Credit Reporting Agency ) On  XX/XX/XXXX, I researched my credit report and found the same error on all three credit reporting agencies credit report ( XXXX, Equifax, & XXXX ). 

I disputed the following entry on all three credit reports : XXXX XXXX Joint Account ; Line of credit : {$5000.00} close : XX/XX/XXXX Note : I never had a line-of-credit with XXXX XXXX. 

XXXX and XXXX promptly investigated and removed the XXXX XXXX  line-of -credit entry from my credit report. 

I had never heard from Equifax. On XX/XX/XXXX, I telephoned Equifax and the call taker told me that I had to provide them, in writing, my social security and drivers license number, before they can provide any relevant information to my complaint. This is redundant. Obviously, writing a social security number and/or drivers license number on a piece of paper does not provide Equifax with any additional details about me, as I can provide my drivers license number over the phone. I had previously provided my social security number to the call taker. Moreover, providing my social security number and/or drivers license number-in writing- via fax or U.S. Mail causes potential for fraud and theft, and/or identify theft. 
I would encourage Equifax to be more consumer friendly and utilize best practices in the investigation of credit reporting disputes like their competitors, namely XXXX  and XXXX. 
I urge XXXX to respond to my XX/XX/XXXX complaint.
Product: Checking or savings account

XXXX XXXX XXXX EST ) I decided to make this formal complaint. 
XXXX XXXX XXXX EST ) I received a voice message from XXXX XXXX. He stated that I should telephone XXXX and tell them that I was calling about a lost check. I called the number. After an exhausting amount of time on their very hostile menu system I talked to a person who was not in the XXXX. I asked him to transfer me to someone in the US. He put me on hold and after 2 minutes terminated the call. I tried calling back with horrible and extremely taxing results and finally was unable to reach anyone. 
XXXX XXXX XXXX EST ) I received a phone call from XXXX XXXX XXXX XXXX XXXX. He asked me my social security, date of birth, and, security password. I gave it to him. He then said that he would look into this matter for me. I thanked him. 
XXXX Phone with XXXX at XXXX XXXX XXXX XXXX. I told her that I had not received any contacts from Citibank. She said that it would take a little while. I told her I would call her every week to get an update and she then said she would call me every Wednesday to provide an update. 
XXXX Received a call from XXXX at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX she told me that she had initiated a Citibank XXXX and that I would be contacted and then my {$310.00} would be sent to my home. 
XXXX Called XXXX and told him his branch manager had not contacted me. He said he would follow up with the branch manager. 
XXXX XXXX called me and let a voice message stating that his branch XXXX would review this complaint. 
XXXX No satisfaction from Citibank 's extensive phone menu or their worldwide answering machine. I then called their bank in XXXX and talked to XXXX at XXXX. XXXX listened to my inquiry, then looked up my account, then said that he would have his branch manager review my complaint. 
XXXX I called Citibank again. I ask for a review of the claim and to find where the check is for closing my account. 
XXXX I called Citibank XXXX number. I told them that I had not received a check. They told me they would review the situation. 
XXXX Closed the checking account during a phone call with XXXX. She closed my account and said that they needed 10-15 days for a check XXXX {$310.00} XXXX to arrive at my residence.
Product: Debt collection

Contacted them and told them never did any business with them, asked them what file they were collecting on and to give me the number to who I owe, they told me no, and if i didn't pay they could garnish my wages and report me to the credit bureaus.
Product: Credit reporting or other personal consumer reports

recently encountered an issue with a credit company that mishandled an investigation into a dispute I filed. Initially, I noticed an incorrect entry on my credit report, which I promptly disputed with the credit company. According to the Fair Credit Reporting Act ( FCRA ), under Section 1681 ( b ), they are required to conduct a reasonable investigation of any disputed information. However, the company failed to thoroughly investigate the matter and, after a brief review, they removed the erroneous entry from my credit report. This was a positive outcome, as it improved my credit score. 

However, to my surprise, the same inaccurate entry was added back to my credit report shortly thereafter, without any further explanation or clarification. This not only caused confusion but also affected my credit score negatively again. Under Section 1681 ( b ), the credit company is obligated to ensure the accuracy and completeness of the information reported, yet their failure to adequately investigate or correct the mistake led to a significant issue. I am currently working with the company to have the mistake properly resolved and removed once again, as they must adhere to the legal standards for reporting accurate credit information.
Product: Debt collection

XXXX  XXXX XXXX  apparently had a credit card opened in my name. They were notified and they ADMITTED as you can see in the letter attached that was NOT mine and that I am NOT responsible. That letter was sent to me in XXXX of 2020. I STILL am receiving threatening letters saying it is mine, that they now want police reports and such which was not needed before they sent me the letter stating it was NOT my responsibility. 
This is a scam company that has swindled millions from people and has a F rating on the XXXX. I didnot do this!!! My credit is damaged by not only XXXX  XXXX XXXX  but by LVNV funding. This needs to be rectified at once!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Inquiry on XXXX credit report from XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX credit report from XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX credit report from BARCLAYS BANK DELAWARE that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX XXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX XXXX XXXX XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX XXXX  credit report from XXXX XXXX  XXXX that I did not authorize or seek credit from this bank XX/XX/year> Inquiry on XXXX credit report from XXXX that I did not authorize or seek credit from this bank
Product: Debt collection

I XXXX XXXX XXXX have Tendered payments thereto Chase Bank on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX and XXXXXXXX XXXX and one was made at XXXX XXXX. On XX/XX/2019 I received four calls from the same number, one every hour between XXXXXXXX XXXX. and XXXXXXXX XXXX. and XXXX at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from chase and its card services. When I researched the number online I saw that it was a debt collection number from chase. Why is chase harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5000.00}, {$7500.00}, {$4900.00}, {$4500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.