23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FCO is one of the worst debt collectors. Not only did they not let me dispute my charge. They did this during a pandemic. The gentlemen collecting the debt threaten me and my partner back in XX/XX/2020 on the phone about our crediting being ruined. Also he was rude and demoralizing me. I explained that its a national pandemic and I had job lose and here in Maryland there were emergency plans for moms like me who had to stay home with school aged child! This company broke all laws and codes of ethics.
Product: Debt collection

On XX/XX/year> I filed a complaint requesting the certified mail receipt with my signature to show I receiived notification of the debt.. it was not provided..
Product: Debt collection

I have revoked authorization for calls multiple times and attempted to set up payment plan with Navient that fits my budget. They have refused to work with me and I have just ended my approximately 10th phone call where I 've told them they are not allowed to contact me via phone and/or an autodialer and they still do n't seem to get it right. They need to stop contacting me via phone and only contact me via paper mail. I have received no less than XXXX5 calls daily from Navient about a past due balance that I have tried repeatedly to rectify by alternative payment options and they refuse.
Product: Debt collection

im a victim of identity theft my information was steal I made police report and I send it, all information about these collection is false plz block these inf from my credit report pursuant to section 605b of the fair credit report act.
Product: Credit reporting

None of the security questions Equifax asks apply to me - the answer is always None of the Above, and then they say that 's wrong and I am unable to obtain my credit report or file a dispute on an item I know is in there. ( I can see it via XXXX XXXX. ) There are tons of other reports of this exact thing ... It seems like a deliberate barrier that Equifax is putting up.
Product: Vehicle loan or lease

I was unable to make payments on the vehicle due to personal financial problems, fortunately i was able to get an advance from work to help catch me up, but it wouldn't clear til Friday, XX/XX/XXXX. The bank, Honda Financial reached out to my cosigner as of Wednesday, XX/XX/XXXX. My co-signer assumed responsibility and ensured them the amount would be paid in full and up to date on the XXXX. The bank agreed, and failed to inform us that the car would be up for repossession if payment was not due sooner. They simply agreed to the payment arraignment, declining to mention this key information. Now i struggle to recover the car, let alone speak to someone who could further enlighten me on the situation. My biggest issue here is why would they 1 ) not tell us of this dire information and 2 ) why agree on a payment arraignment and still repossess my car. They also informed me that I only get one time to remove my belongings, which i was only able to grab my work supplies, due to being timed. All contracts, paperwork, and any documents I could review, are within the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Trans Union, XXXX and XXXX credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XXXXXX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been followed America Express the insturation to verify my idenity. But America express still don't approve my verification.
Product: Debt collection

I was called many time by the company about this debt. But I told them this is false information. This was during my time in service. I signed for one class thinking I can study while serving. But when I realized we were going to mission training. I cancel this program through the XXXXXXXX XXXX base of registration for class. But this company still charged me. What surprise me I never took a class with them. More importantly the XXXXXXXX XXXX was in charge of paying class while we are serving, cause this was sign through the XXXXXXXX XXXX. Not at my charge or anything. Also the policy was to cancel if we dont want to go anymore. I cancel within the time required. And now there are framing me for a money that I dont owe them at all. They are some how putting this on my credit report which are getting my score low. Please I need help here to dispute this. This is false accusations.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

On XX/XX/2018, I received an alert from XXXX XXXX saying that a collection was added to my report. When I looked on my report I saw National Recovery Agency. I never received a notice to dispute the debt, which I am suppose to receive one.
Product: Vehicle loan or lease

The original loan began in XXXX XXXX  or shall I say it was purchased then in XXXX XXXX. I never received any information from the loan officer who the loan was with and I did not get a call from who the loan was with until it was past due. I set my payments up on a bi weekly set up and the company reported my payments as past due which was not accurate reporting. To date the car has been sold and it is still showing negative on my credit report with late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the account reporting on my credit report do not belong to me I did NOT authorize these accounts or charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
Product: Credit reporting or other personal consumer reports

FTC Report XXXX This dispute has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, Experian, and XXXX block information appearing on my consumer report that is result of identity theft and fraud within 4 business days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with NO ACCOUNT Number. 

XXXXXXXX XXXX XXXX  on XX/XX/year> under account number XXXX XXXX XXXX XXXX on XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I missed a pay payment on my XXXX XXXX account. I called the company to see if it could be removed due to being out of work from having XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. THEY WOULD NOT REMOVE THIS FROM MY CREDIT REPORT. In accordance with the fair credit reporting act this creditor has violating my rights under 15 USC 1681 Sec 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

So initially I was sent a text message from a place who claimed to be capital one attempting to find a security deposit on the capital one secured credit card I had applied for. I funded the security deposit or what I had thought was a security deposit of {$200.00} to this apparent credit card with the word sky in it ... Like XXXX  or something along those lines. I was told as soon as I sent the deposit I would receive the card. Have not received it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : m there is no XXXX written off or owed on this account. There was no money written off. 

I have provided you a letter from XXXX and there is no money owed. 

this makes no sense with wrong information on my credit file after I have provided proof from XXXX. 

Filing with the FTC as well to the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 : I HAVE THE RIGHT TO PRIVACY 15 USC SECTION 604 SECTION 2 : A CONSUMER CANNOR FUMISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAT NIT TREAT A PAYMENT ON A CREDIT CARD OPEN END END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Credit card

My XXXX XXXX credit card was originally with Capital one and then sold to XXXX. My credit card was never late. I always paid on time. They are reporting it late on XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the on XXXX late on XX/XX/XXXX and late on XXXX XX/XX/XXXX. I tried to settle this with them and the credit agency 's but nothing has been corrected.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ). By law the consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses they are not my addresses ; I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX XXXX XXXX and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Credit card or prepaid card

I opened a Credit Card with XXXX XXXX on XX/XX/2022 and used that card to purchase a pair of shoes. 
I was mailed a statement for that purchase of {$27.00} on XX/XX/2022 and went to a local store to pay my entire balance in cash and present my statement to the cashier. I gave them cash and was given a receipt. 

I was next mailed a statement for XXXX still showing a balance. I called the store and Conmenity Bread Financial Bank and was told by both Agents that they could not find a record of my cash payment. 
I do not know what these companies are doing and do not care at this point. I am trying to not have this problem show up on my Credit Report before I want to retire. I have also filed a complaint with XXXX XXXX XXXX against XXXX XXXX who replied that this is Conmenity Bank Bread Financial problem to solve. 
They only give customers the option to make payments or make additional purchases. I have already made my payment.
Product: Bank account or service

On XXXX XXXX, 2016, I received a letter from " Bank of America '' stating as follows : " After a careful review, we 've made a decision to close your account above ''. This was a total surprise for me. 
I have had XXXX accounts with Bank of America for over 10 years ; XXXX business accounts, XXXX saving accounts and XXXX personal checking accounts. 
I called the bank to find out what it was ; I received nothing but rude answers that the bank has the right to close the account. I called the back office business support ; they said they had no idea why it happened. My accounts were never overdrawn, I never wrote a bad check, I kept a total balance that was for the most time at XXXX figures. I have a perfect credit with recent score of over XXXX. 
I can only conclude that my information ( and others ) at the bank was compromised, and the bank in order to avoid any liability asks to close the account. Or alternatively, the type of accounts that as agreed pays almost no fees may not profitable to the bank. I can not find any other conceivable reason. 
I am seeking help to force the bank to give me the reason for the closure of my accounts. 
Upon search on the internet, I found out that there numerous people with similar situation, where Bank of America took the liberty to close their accounts without a given reason. 
I am open to show all my bank statements, with all transactions, and all supporting documents for any underlying transactions that took place in my account. 
I think this issue should be presented to all State authorities that regulate banks in my case the State of Florida, as well as government agencies. 
Thanks
Product: Credit reporting or other personal consumer reports

I have submitted several disputes with Experian for the following accounts XXXX XXXX XXXXt account XXXX XXXX XXXX XXXX  Account XXXX I've also reached disputed directly with those companies and they have both failed to provide prober debt validation including proper chain of assignment. 

Experian has resolved my disputes within a week and states they were verified and updated even though nothing was updated. Despite experian aying these accounts are verified and accurate, they are still reporting with a past due status which is a clear violation. Experian never provided a method of verification. EXPERIAN has violated FCRA and FDCPA laws with their Sham investigations. I am asking the CFPB to step in and help resolve this. Please delete these accounts from my report immediately.
Product: Mortgage

This complaint is being file against Wells Fargo Home Mortgage, Property Loss Department ( henceforth described in this complaint as XXXX XXXX. 

On XX/XX/2016 I received a check for {$7500.00} from my homeowner 's insurance for repairs to be completed on my home due to ice dams and water damage. To this date, XX/XX/2016, XXXX has been consistently inconsistent in their communications with me in order for me to hire a XXXX, proceed with the repairs, and release the funds that have been held up in escrow since XX/XX/2016. 

The XXXX process unreasonable, at best - you never know who is going to answer when you call ; they do not give out phone numbers or extensions ; they do not allow you to have XXXX point of contact ; if someone calls you they will not give you their last name ; they will not back up anything they say to you in writing ; when you ask to speak to a XXXX they put you on hold, disregard your request or say they can connect you with another XXXX or Supervisor ; every person relays the wrong information, a fragment of the correct information, and/or can not find the correct information in your file ; and, if you do not continually call and follow up on any action that you have taken or expect them to take, it will be swept under the rug until you make contact with them ( only to get another bizarre explanation/excuse ). Due to their inadequate communication and complex process, I have had an arduous time securing a reputable XXXX within my budget and my household is now at risk to the elements of winter 's approach. The pending repairs have also prevented me from renting XXXX of my rooms and I am unable to use another room for my studio work. This process has been excruciatingly cumbersome and nerve-wracking ; draining me physically, emotionally and financially. 

The following*** is a detailed log of my attempts to resolve my home repairs and an accounting of the monotonous conflicting communications with the XXXX since XX/XX/2016. 

***PLEASE SEE ATTACHED FILES FOR MY FULL EXPLANATION AND COMPLAINT
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXXXXXX {$13000.00} XXXX XXXXXXXX XXXX  XXXX {$9900.00} XXXX XXXX  XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified the  CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to p romptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On XX/XX/2022 I was charged {$19.00} by Equifax. I tried ending the trial online but I guess it did not actually go through the day before. When I called on XX/XX/XXXX around XXXX I was on the line for about 25 minutes with a very rude agent named XXXX who said I could not terminate my account subscription and that I would have to wait until XX/XX/2022 for the subscription to end. Due to personal reasons I needed that money and could not continue with XXXX subscription, it's too expensive, plus my XXXX XXXX credit card already has a monitoring service for free. I asked to speak with a supervisor and was hung up on. I called back and spoke with another agent around XXXX and she asked her supervisor who declined to refund me and terminate my subscription on the same day I was charged. I made it very clear I would not be using this service at all for the next 30 days and that I should not be billed for it if I do not want it. It got charged the same day and I did not want to continue with this. I did not want the service. I told them this. I will be disputing with my bank. They said its fine and did not care, I've never experienced something like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX and TransUnion has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.