23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sent a Debt Validation letter on XX/XX/2023 Acima received it on XX/XX/2023 via certified mail at XXXX I contacted them on XX/XX/2023 at XXXX to explain that I have not heard a response back from them and under the FDCPA if no response was received it must be deleted. Acima stated they have not received anything as I have everything tracked.The address on XXXX is the address I sent it to where is says contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX if this is incorrect then they are reporting incorrect information which then the account must be deleted. Refused to remove it off my counsumer report and is still commiting the following FCDPA Violations : 805 : Harrasment and abuse 807 : False or misleading representations 808 : Unfair Practices 809 : Validation of Debt. Unfair practices is being used in this 30 day no response letter from them then them saying they did not receive anything as I have all evidence and documentation.
Product: Credit card or prepaid card

In XX/XX/2022 Someone opened a Bank of America credit card account in my name from California. I called FTC and reported this and sent report to XXXX they notified all other credit companies. Have sent in forms to Bank Of America and got no response. They were supposed to send me a hard copy of the report and what was going on to fix this.
Product: Student loan

I asked for a refund XX/XX/22 was quoted XXXX weeks for the refund. Refund has not been received, I have called multiple times and have not received confirmation, response or reasonable timeframe on when I will receive my refund.
Product: Credit reporting or other personal consumer reports

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the XXXX It has been over the XXXX response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. Also, LVNV Funding reopened a closed account for no apparent reason. This account should be deleted immediately. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the XXXX time frame. ) ) Thank you.
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 confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX, I applied for a Bank of America Business Checking Account under the following link, which is still active now : XXXX  : XXXX. The terms of this deal are the same as they were then : get {$200.00} for making {$5000.00} in deposits within 30 days of opening the account and maintaining that balance for the next 60 days. The bonus would be made within 60 days from the end of the qualifying period. 

On XX/XX/XXXX, my account was approved. ( Day 1 ) On XX/XX/XXXX, I deposited {$5000.00} from an outside bank in the account. ( Day 29 ) I have kept the {$5000.00} in there since to get the bonus and avoid the monthly fees. I should have received the bonus by XX/XX/XXXX ( Day 150 ). I called the representatives at the bank and they were unsure of the bonus and in general not knowledgeable about the products that they offered and kept forwarding me to other people who were not helpful. 

I am asking the CFPB in help in getting me the {$200.00} bonus. 

Thank you
Product: Credit reporting or other personal consumer reports

This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX  XXXX with credit cards ending XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  card ending in XXXX. All of these companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a fraudulent account that does not belong to be as I have never had insurance through the original creditor ( XXXX ). This account is clearly a result of identity theft and these credit bureaus are in direct violation of the FDCPA for allowing this fraudulent account to remain on my report without a proper investigation, but the assumption that this account belongs to me!
Product: Credit card or prepaid card

I have a Capital One Spark Business Visa Credit Card. I have an Acquaintance who owed me some money. She owns a Jewelry business and asked me if she could pay me back through credits as an expense to her jewelry business into the Capital One Credit Card. I did not see any harm and she made multiple payments. All of a sudden Capital One believed that these payments were fraudulent. I was out of the country when my credit card stopped working. The caused incredible problems and stress for me. I do not know anything about whether the credits were valid or not but she did provide a XXXX  XXXX XXXX statement that showed the transfer from that account to Capital One. They placed a restriction on my account. That resulted in their returning all my auto payments for phone, utilities, etc. which was devastating because I was in XXXX. This also has impacted my credit and resulted in incredible stress. 
Approximately, a week later when I returned to the US I transferred {$30000.00} to bring the balance within my credit line, and then paid the rest of the balance. I currently owe Capital One nothing. However, they have continued the restriction and continue returning my auto payments. In addition they will not give my access to my XXXX points which is worth $ XXXX. They say that the restriction will stay until they are able to verify my acquaintance 's ownership of that account. I am trying but I have no way to do that. Therefore, they have effectively stolen $ XXXX from me. 
I did not make the payments. I have repaid every dollar of the payments that were made. Capital One has been paid in full. I can't verify the ownership of the accounts. I have called multiple times and there is no one I can talk to who can resolve this.
Product: Debt collection

I purchased a Dell XXXX  online around XXXX months ago. However, due to delivery delays, I requested order cancellation before the laptop was shipped. Dell confirmed that the order would not be delivered and pulled back the shipment, meaning the laptop was never received. 

On XX/XX/year>, I created a service request ( XXXX ) with Dell, explaining the situation and requesting a refund. Since then, I have received no response or resolution from Dell regarding the cancellation and refund. 

Despite not receiving the laptop, Comenity Bank ( DellPay ) continues to demand payment for the laptop that I never received. I have contacted DellPay multiple times, but they have refused to acknowledge my dispute and insisted that I pay the balance and resolve the issue with Dell later. 

Actions Taken : I requested cancellation and refund from Dell before the laptop was shipped. 
I created service request XXXX with Dell on XX/XX/year>, but received no resolution.

I contacted Comenity Bank ( DellPay ) to dispute the charge, but they have not provided any support and continue collection efforts. 
Desired Outcome : I am requesting that Comenity Bank suspend collection efforts until the dispute with Dell is resolved.

I also request that Comenity Bank mark my account as disputed and stop any negative reporting to the credit bureaus regarding this matter. 

This situation has caused significant stress, and I expect immediate action to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I kept trying to dispute with XXXX, XXXX, XXXX first. I kept receiving debt verified. So I wrote a letter to Persolve Lega group l { account XXXX } and sent it certified mail. Persolve never responded its been 30 days. I did notice it was removed from XXXX within this last week or so. I have the letter I sent them plus a copy of the certified mail receipt. When I look at my XXXX and XXXX I notice different balance amounts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of  XXXX  times. Which drastically lowere d my credit score!   Reading FCRA it states automobile inqiries within a 14 day period shall cou nt as 1.  Experian,   XXXX    and  XXXX  are all reporting each individual inquiry, which in turn harmed my  credit score. I  have already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax-I show that back in XXXX of 2021 2 Regions accounts was removed from my credit report. However it is back reporting I was not notified by the agency of this reinsertion and I do know they had 5 days to let me know about this reinsertion and I was never notified about it.
Product: Student loan

I was told to go into forbearance by my loan provider, navient. I learned about income driven repayment plans from a coworker, I sent all of my documentation and I was accepted for a good plan. I was not notified in a timely fashion that my payment plan was running out, was suggested by my loan provider to go back into forbearance ( all while this is impacting my credit negatively ). I attempted to get the documents to Navient on multiple occasions and their systems were down. My income driven repayment plan was still not completed before I entered into even more financial distress, but the prior payments would have and still are feasible.
Product: Credit reporting or other personal consumer reports

Thank you for your correspondence regarding my request to remove information from my Equifax credit file. In response to your request for additional documentation, I am attaching a signed self-attestation confirming that I am a victim XXXX XXXX XXXX which has been signed by an government officials. 

I trust this will satisfy the requirements outlined in Section 605C of the Fair Credit Reporting Act and 12 C.F.R. 1022.142. 
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, mortgage accounts from XXXX XXXX with a balance of {$930.00}, XXXX XXXX  with a balance of {$1200.00}, XXXX XXXX  with a balance of {$1600.00}, XXXX XXXX with a balance of {$7400.00}, XXXX with a balance of {$3200.00}, XXXX XXXX XXXX with a balance of {$440.00}, XXXX XXXX XXXX with a balance of {$2100.00}, XXXX XXXX XXXX  with a balance of {$410000.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Accounts with XXXX XXXX XXXX XXXX XXXX. XXXX were inadvertently changed on previous attempt of having NMEAF fix some errors on credit report. XXXX went in and disputed all accounts not just NMEAF. 

In response to the dispute the XXXX XXXX accounts were changed to Fail to Pay status in XX/XX/2019 which appears as a new collection and has dropped my credit score 52 points after the change took place. 

I have been working with XXXX at XXXX XXXX XXXX XXXX. XXXX she has tried multiple times to fix the PAYMENT HISTORY but has been unsuccessful.
Product: Checking or savings account

Reference complaint XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NFCU in refusing to allow me access to all of NFCU services is illegal according to US Bankruptcy Code. 

In addition, in the bankruptcy action NFCU has referenced ( filed in XXXX  - discharged in XXXX  where they " suffered a loss '' as their reason they were not a party to, and suffered no loss. I would like for them to provide the bankruptcy documents they are using to state their case.. 

The bankruptcy they were included in occurred in XXXX and was discharged in XXXX. NFCU filed a claim and was paid out as a part of the the bankruptcy. When discharged, all accounts are considered settled. According to US Bankruptcy Law, NFCU did not suffer a loss as they claim. 

My attorney has recommeded legal action if I wish to do business with NFCU, but at this point I do not. 

I also thouoght the CFCB would also do more than basiscally pass information back and forth. Not much better than filing a complaint with the XXXX. 

This needs to be brought to the attention of NFCU 's legal department, as this could have severe reprecussions if they continue to violate the law and prevent customers access to services for discharged bankruptcies.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Was contacted 3 weeks ago and set up a payment plan for a check that is from 2008 they told me if I did n't get the {$250.00} paid off that they would be charging me {$1900.00} and take it out of my tax return. 
A week before the payment was due they called repeatedly about 6 times through the week to remind me over and over of my payment. 
My payment was due today but I had not gotten to the bank yet to put money in. They started calling at XXXX and called my phone XXXX times in a row back to back. I was in a different room dealing with my neices at the moment. I had answered the XXXX call from them and told them to stop blowing up my phone. They called back XXXX more times in a row. 
This is harassment and it needs to stop.
Product: Student loan

I was solicited on line for a student loan forgiveness program in XX/XX/XXXX. After all the information was given to XXXX, I was told that all my student loan would be forgiven except for {$1300.00}. I was sent a letter to set up payments through XXXX I have been paying them {$39.00} a month for 1 year as of XX/XX/XXXX I still kept receiving bills from my dept. of education loan. This company did nothing for me. 
In the meantime, I was given a ( TPD ) Total Permanant XXXX status by the dept. of education. I started the process with the XXXX in XX/XX/XXXX I was not obligated to pay XXXX during the application Process. In XX/XX/XXXX I was absolved of the loan by XXXX. of XXXX. 
XXXX has continued to harass me by phone, despite my sending the information to both XXXX Advocates, and XXXX. I had to close my bank account to stop them from taking my money. 
I notified these XXXX companies by email, sending copies of my discharge, XXXX says they ca n't discharge the loan unless XXXX Advocates says they can. Student Advocates refuses to send my discharge to them, because they are in this together! I have been charged 17.99 % interest on {$1300.00} and it wo n't be paid off until XX/XX/XXXX 
I filed a complaint with the XXXX. of XXXX in XX/XX/XXXX and was encouraged to file with this agency as well.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumbeXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required 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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00} RESIDENT VERIFY XX/XX/2021. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XX/XX/2018 it was open and they dont have proof of it being my debt and its messing up my credit from getting a house World Finance Co # 90
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.