23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive submitted paperwork for this account several times. from what the company is saying the debt was opened in XX/XX/XXXX. Ive disputed it many times but they still reply with this debt is valid. A month ago I sent an validation letter to the credit bureaus. I did not get any validation of the debt, only a letter from the credit card company saying that they validated the debt but only listed my name and when the account was opened. No other information was given and none of the information I requested in the validation letter was given. 

Then I checked my credit report and saw that the account had been updated to paid in full but still no deletion either way. Then today XX/XX/XXXX I get a notification from my credit monitoring services showing that the same account has been transferred to a collection agency and is showing as a collection. As stated above Ive sent in FTC afidavit forms stating that Ive been a victim of identity theft, yet this company refuses to remove this account from my report. 


( Ive included documents from my credit report. It states at the bottom that the account transferred or sold, charged off, credit card ) it has said this statement since it appeared on my report
Product: Credit card

I went to make a purchase at a local merchant, and he said the minimum purchase amount was {$15.00}. This seemed unnecessarily high. I was under the impression that, under Dodd-Frank, such minimums could n't exceed {$10.00}. When I called XXXX to complain, they indicated that the merchant was free to set whatever minimum they wanted. Could you clarify what the law says? Does it depend on what state I 'm in?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled without my authorization and consent. 

I was contacted by Cardinal Financial about a Home Equity Line of Credit that I was searching for online. I spoke with a representative and at no point in the conversation did I give permission for my credit to be pulled. I did not even provide my SSN. 

My credit report shows that on XX/XX/2021, a hard enquiry was done by Cardinal Financial on my file. I am requesting that hard enquiry be removed because it was done without my consent.
Product: Mortgage

I have been out of work since XXXX due to XXXX  XXXX XXXX XXXX XXXX  and only working on just my wife 's income until recently I was approved for XXXX but have been struggling financially. My wife and I have qualified and approved for the Pennsylvania homeowners mortgage assistance fund. The fund started paying our monthly mortgage payments in XXXX of XXXX. Our mortgage was current until XXXX when payments stopped being applied to our account. I have been in contact with both the state and Rocket mortgage since the beginning of XXXX to receive updates. 

I finally spoke to a trained state representative on XX/XX/XXXX who was able to go over how many payments have been sent to Rocket Mortgage. It appears the state has sent 5 payments of {$1500.00} starting XXXX thru XXXX. I then spoke to Rocket Mortgage and gave them the confirmation 5 payments have been sent electronically to Rocket Mortgage who have only processed 2 of those payments so far. 

The representative then advised me they have a very small Department who is responsible for processing these payments nationally and have been behind. I advised the agent our account is now 60 days past approaching 90 days on XX/XX/XXXX and we have been receiving very threatening collection calls from Rocket. I advised Rocket has currently over {$4500.00} in funds sent on my behalf from the state and our account should be current. However due to the incompetence of the department in charge of applying the state payments to my account we are almost 90 days past due. 

I asked her to escalate my concern to have the funds applied to get my account current again. The agent advised me she would escalate but they will not respond as they are very busy. The agent advised me until the funds are applied or I make payments to bring the account current collections will continue and foreclosure will be a danger. 

I want to report Rocket for unethical business practices I find it extremely abusive of Rocket to threaten their customers with taking their homes while acknowledging the fact they have deficiencies processing grant payments made on customers behalf. My wife and I are extremely stressed and our credit impacted, Rocket needs to process the payments sent to them and bring our account current and all late fees removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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.

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts and hard inquiries appearing on my consumer Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a phone bill account opened at XXXX on XX/XX/XXXX under account number XXXX  ; a credit card account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX  ; a credit card account opened at Security Credit XXXX XXXX XX/XX/XXXX under account number XXXX  ; and an account with XXXX XXXX - XXXX XXXX ( Account Number : XXXX  ) opened in XX/XX/XXXX. Additionally, several fraudulent hard inquiries have appeared on my credit report, including inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX all dated XX/XX/XXXX, as well as an inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. These fraudulent accounts and inquiries have led to collections being reported on my credit file. I demand that all fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease immediately, as is my right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

I have been receiving phone calls at least XXXX out of XXXX days a week and sometimes up to XXXX calls per day from Navient. 
I am the co-signer of private student loans for my daughter. My daughter recently moved from XXXX to XXXX and was unemployed while job searching for about XXXX months. She said she spoke with a representative from Navient explaining her situation and thought the matter was cleared up; i.e. a delay in payment. Navient did not take this into account and called me incessantly. My daughter had asked for a consolidation of her Navient loans in the past but that has never occurred. 
I truly just want this company to work with the students taking out loans. 
We were presented with no choice when my daughter went to college and had to apply for loans. I understand that I took on a responsibility when becoming co-signer but never expected this level of loan shark tactics and harassment.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me with a statement 21 days before, so there should be no late payments on this account. I demand hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to be paid as agreed upon in my consumer report. 

XXXXXXXX XXXX Account XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected.
Product: Debt collection

I am lodging a formal complaint against paramount recovery this debt collector has violated the fdcpa/fcra by reporting derogatory information on my credit reports in the amount of {$240.00} that isnt my debt. I have never recieved a dunning notice by this company which allows me 30 days to dispute validity of debt. I've lived at the same address for over 17 years and I have never recieved any mail from this company and also never recieved a phone call. This has also brought my credit scores down and I am in the process of purchasing my very first home for my family. I am requesting paramount recovery to delete this erroneous account from my credit reports. Attorney general and XXXX complaints will be filed if account isnt deleted immediately. Thanks for your time
Product: Debt collection

I was never notified of my balance owed to the apartment complex ( XXXX XXXX XXXX Apartments ) I moved away from. In the statement they provided the debt collector, false information was included. 
XXXX alleged that I did not provide proper notice nor a forwarding address, which is false. Pictures attached of my conversation with the XXXX at XXXX providing notice of my move in XXXX, 2022 as well as my forwarding address are attached. 

At no time did XXXX send me a statement showing I owed them a debt. My account was sent to collections without even knowing I owed a debt to begin with. 

Additionally, the holdover fee mentioned in the paperwork was unable to be paid as the XXXX XXXX did not update XXXX to reflect this amount was due. I attempted to pay this, the system would not let me as it was more than the amount I owed in the system. I asked for help on how to pay and never received a response. Those pictures are attached. 

I disputed the debt with the debt collector ; however, they did not followed up with the status in a timely manner and it has negatively impacted my credit report. I should not even owe this debt to begin with, given I never received a statement that I owed anything prior to being sent to collections and XXXX had my address.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$1100.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$3800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of accounts and inquiries on my credit report that are associated with a recent data breach. I have become a victim of identity theft, and the fraudulent accounts and inquiries listed below have been recorded on my report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these entries be removed to protect my personal information and credit profile. 
Accounts and Inquiries to Be Blocked and Deleted : Accounts XXXX XXXX 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: Mortgage

My mortgage includes an escrow account, and my monthly mortgage bill includes an escrow component so that the lender/servicer will taxes and insurance directly. My lender/servicer has failed to pay property taxes on my home for 2021, starting with first half billing in XXXX, and second half billing in XXXX. The full 2021 tax amount is delinquent, and has accrued {$1000.00} in interest and penalties, growing daily. 

I received a delinquency statement for first half taxes due in XX/XX/2021 in XXXX. I contacted my lender/servicer and asked them to resolve the failure to pay. Their customer service group assured me that the taxes due would be paid in full. I monitored my property tax account for the following months and noted no action by the lender. 

When the 2nd half tax payment was not made timely in XXXX, I again contacted my lender/servicer on XX/XX/XXXX, asking that they investigate and resolve, including payment of all interest and penalties resulting from their failure to pay. I received a response on XX/XX/XXXX, asking me to provide the tax billing statement to them. I responded with the requested information on XX/XX/XXXX. On XX/XX/XXXX they replied and stated they would respond within 5 business days. I have received no further information from them on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the XXXX XXXX you must remove the accounts listed below.
Product: Credit card

Every time I try to make a large payment on my card ( {$1000.00} ) The payment never goes through. It takes about a week for me to get an email stating the payment was declined. On XX/XX/XXXX I made a payment and on XX/XX/XXXX received an email from US Bank stating that the payment was posted and then a week later received an email stating it didn't go through. Same exact situation on XX/XX/XXXX, made payment and XX/XX/XXXX was sent email stating it was posted and a payment reversal was done on XX/XX/XXXX with no notification ( this doesn't seem to be an option ) and I received an email that my payment is past due on XX/XX/XXXX. Again, happened on XXXX, posted XXXX payment was reversed on XXXX and I was notified on XXXX that my payment was past due. Happened in XXXX & XXXX after I realized I was not getting notified my payment was even due. They charge absurd amounts of money for all of these issues and this is 0 % interest until XXXX Well, so they say.
Product: Money transfer, virtual currency, or money service

They exposed my info, took money out of my account, allowed hackers to charge me for purchases I didnt make, fees, no live reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm assuming that you either didnt receive my letter on XX/XX/2020 or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account NumberXXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  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
Product: Checking or savings account

Wells Fargo took my money with the overdraft fees without letting me know first and they charged me for claims that were past due
Product: Debt collection

Equifax is a XXXX organization that nourishes off destitute XXXX American consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit file. I have told Equifax for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. Equifax is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and Equifax, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will Equifax be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and Equifax still refuses to remove these fraudulent tradelines. It is regrettable!
Product: Vehicle loan or lease

Predatory loan, illegal repossession from another state, apr rate predatory. My teenage daughter and I drove up to visit XXXX for family emergency. My car was parked outside of house and I went to sleep woke up to no car. I immediate called police to file stolen vehicle report.before I made report the police check database for repossessions and my vehicle wasnt in data base. I filed report with police. I find out a tow truck illegally stole my car and police made tow truck drop car and the Wells Fargo recovered it. 2 separate police reports with some malfeasance taking place.contacted Wells Fargo and I was told to refinance at branch. I go to branch and they said they stopped refinancing since 2019. I already had claim open with the president of Wells Fargo and I was told if I didnt want to pay storage fees to refinance.Meanwhile I explained that me and my daughter were left stranded in XXXX XXXX I lost my job and my daughter missed a lot of school days. I was never able to refinance from taking hits on credit report from applying at multiple companies. This has truly been a nightmare.
Product: Money transfer, virtual currency, or money service

I have purchased an official bank check from Citibank on XX/XX/21. The check was stolen and someone forged their bank check. The bank check was payable to XXXX in the amount of {$41000.00}. Someone forged the check and changed the payable name to an individual name. It takes Citibank 90 days to investigate this claim. I have received a response from Citibank by the end of last month. The recovery amount is {$31000.00}. This is not acceptable. Someone forged the check, not me. It's loss Citibank are supposed to absorb. Citibank are responsible for making sure consumers are protected. The fraud was committed against them. They should have had a system to ensure their bank checks are paid to only the payees.