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

Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my Experian account, that is who XXXX XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, WFDS add a hard inquiry on my credit report per XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have explicitly violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$730.00} Account Status XXXX XXXX XXXXXXXX  XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} Account Status XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Reported Balance {$6900.00} Account Status XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$1000.00} Account Status XXXX XXXX : XX/XX/XXXX XXXX XXXX  Promotional Inquiry XX/XX/XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX. Direct to Consumer Report XX/XX/XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX Promotional Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX  Promotional Inquiry XX/XX/XXXX XXXX Credit Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Report XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Report XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX. 
Original Creditor Name XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my THIRD WRITTEN REQUEST and FINAL WARNING, that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. '' | request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Provide me Physical Proof of your Verification All the names of people you have contacted All addresses that are related to them and phone numbers that way I can do my own follow up What methods did you use to verify the accuracy of these accounts
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number XXXX To whom it may concern, My name is XXXX XXXX and I see that that there is an open account for collections of FL XXXX XXXX XXXX XXXX. I am writing to you regarding what looks like two reports showing delinquent on my credit score. My son has XXXX XXXX at XXXX years old at this office. His insurance changed before the second payment, and the office was sent in the change of insurance many times. I even sent it back with one of the bills. About 4 months later my father was diagnosed with XXXX  XXXX, and I became his full time caregiver. During that same week I also became the full custodial parent to my XXXX year old. His father at the time agreed to pay the remainder of the procedure but I can see he let that go to my dismay. I reached out to the original creditor who seemed to not adjust the insurance accordingly and I could not get in touch, even sending in mail. I am writing to you to ask in tern I will pay the remainder if there is absolutely any way your company can reach out to the credit bureaus and delete the negative and derogatory line of credit from my account. I am beyond sorry about the confusion and delays on this account. I can assure you I can have it paid in full if this is able to be taken off of my credit account to assist going further.
Product: Credit reporting or other personal consumer reports

RE : Request for Information Verification - XXXX XXXX XXXXXXXX Accounts : # XXXX # XXXX To Whom It May Concern : Pursuant to 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.41, I formally request an investigation into these fraudulent accounts appearing on my credit report.

Per FCRA 611 [ 15 U.S.C. 1681i ], I demand verification of : 1. Date of first delinquency ( DOFD ) 2. Date of last payment ( DLP ) 3. Date of charge-off Under FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ], furnishers must report accurate dates of delinquency. The account details : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Under FCRA 611 ( a ) ( 1 ), you have 30 days to complete this investigation. Failure to comply may constitute a violation of federal law. 

cc : Credit Reporting Agencies XXXX XXXX, Experian, XXXX )
Product: Vehicle loan or lease

The Company BMW financial, They refuse to remove negative comments on my credit report even though I have explained my reasoning and explanation.
Product: Payday loan, title loan, or personal loan

I am writing to report an incident of identity theft and a fraudulent cash loan that occurred on XX/XX/XXXX. I recently received information from the company " Advance America '' indicating that someone obtained a cash loan using my name in XXXX, XXXX. 

To provide you with relevant background information, I lived at XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX to XX/XX/XXXX. Following that, I traveled to XXXX and resided there for XXXX months. Since XX/XX/XXXX, I have been living in the XXXX XXXX region at XXXX XXXX XXXX, XXXX, CA XXXX, which is my official address. During this period, I have also spent time in XXXX XXXX for XXXX at XXXX XXXX XXXX University. However, I have not returned to the XXXX XXXX in over a year, except for my graduation in XX/XX/XXXX. 

The fraudulent cash loan made under my name is deeply concerning. The perpetrator provided false information to " Advance America, '' including a fictitious email address and fabricated work details. It is important to note that I have not been employed since XXXX as I am a student. Although they attempted to access my bank account, their guess was incorrect. Furthermore, the individual managed to forge a signature that closely resembled mine, but it is still noticeably dissimilar. Despite the fact that the thieves provided incorrect information, they were still able to obtain the credit in cash. This company did not check my information that i provided last year. I didn't even work this year and the thieves gave something written from a fake job. Also, America Advance did not ask for ID to see if it was me or not. 

Given these circumstances, I am extremely worried that someone may be unlawfully utilizing my personal information to obtain credit or loans without my consent. This incident constitutes identity theft and fraud, and I kindly request your assistance in investigating this matter further. I would appreciate any steps you can take to identify the responsible party and prevent any further misuse of my personal information. 

Additionally, I can provide any other documentation or information that XXXX aid your investigation.
Product: Debt collection

I think they sold my private information to quick cash lenders. 
Horrible and cruel customer service/management Lack of Communication Unfortunately, the prompts before this didn't quite explain my situation. I had just found out that my loans had defaulted and been with XXXX XXXX XXXX ( under XXXX ) for a while. I was looking to get back into school to finish my XXXX  and begin my XXXX XXXX to, in part, pay back that student loan debt. It wasn't until a bunch of phone calls when my financial aid was blocked that I even knew this company ( evidently in the midst of a pending lawsuit for harmful business practices XXXX was to collect my debt at all. So, there's one complaint right there.

Now, I reached out to them on Thursday, the XXXX  of XX/XX/2021 to discuss my options since I would like to get back into school. Their first suggestion? Ask your parents and your friends for money. That is just a cold and cruel request that they know is entirely realistic and they might as well have called me a XXXX XXXX. Next, they offered the long term repayment plan that seems to be the one that they are being sued for. They offered a quick robo call type explainer on it and I was informed I could ask any questions I had about it. Well, it was a ton of information. I wouldn't even had known where to begin as far as questions go. Felt like a scam to me if I am being entirely honest. And turns out, based on other complaints, it was for many other people. 

I decided to consider my options and hung up the phone. 3 business days later, on Monday the XXXX of XXXXXXXX XXXX I got something in the mail I had not seen in years ; A letter for a quick cash loan offer from XXXX XXXX XXXX At first I thought nothing of it, but then I considered my situation. How odd is it that I have this conversation just three business days earlier and suddenly, out of nowhere, I am now beginning to get these types of letters again for the first time in years. 

So I called them again today Tuesday the XXXX of XX/XX/2021 to find out what other businesses they might have communications or affiliations with. As you might imagine, it was mostly useless and kept being passed on to the next person. Eventually, I got on the call with a manager at XXXX XXXX XXXX XXXX named XXXX XXXX. He consistently walked around my questions, opting to just say over and over again that they communicate back and forth with the government. Eventually though, he mentioned that XXXX has communications and affiliation with all sorts of companies. 
The entire time, he was very cold. When I asked about the lawsuit, his response was that it was just people who didn't want to pay back their loans taking advantage of the system. 

After the advice and cruel nature of their management and business practices, I do not trust for a second that they are not selling our information to people in an attempt to make money during a time that I am certain they are absolutely hemorrhaging financially. I'm now wondering if this has happened to other people.
Product: Debt collection

Capital One Bank credit card is the original creditor and was sold to XXXX XXXX XXXX. Incorrect charges and last fee were made and added to the original account that I disputed with capital one. They never refund/credit the amount unauthorizes chargers made on my account. We were going back and forth until they finally closed the account without my knowledge.
Product: Mortgage

My mortgage company LoanCare LLc, will not allow me to have online access to my monthly mortgage statements. They say they have been sending them to my bankruptcy attorney, since filling a chapterXXXX, in 2015. 
Also while under the bankruptcy I am not allowed to have access to my account nor receive statements. 

Thank you.
Product: Credit reporting or other personal consumer reports

Credit exposed to data breach All companies on credit report 15 U.S.C 1681
Product: Debt collection

Capital One Date opened XX/XX/2023 Amount : XXXX Closed : XX/XX/2023 XXXX taken : no action being taken on their behalf after I reached out letting them know this isnt my account. Capital one charged off this account and closed this account as it still reporting each month as late payments to XXXX, XXXX, XXXX Under the Fair Credit Reporting Act 15 U.S. C 1681 I called capital one numerous times and advised them that I filed bankruptcy in 2023 and this isnt my account. I advised them that they will need to prove that this is my account. They were very unprofessional and rude stating that the account is closed and didnt have much to share. They never provided me with an account number they stated they didnt have the account number. I need this removed of my credit report this is a validation. They violated my constitutional rights.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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 information relating to any transaction by the consumer. These following accounts/INFO are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX According to XXXX XXXX Equifax XXXX XXXX XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Incorrect Name : - XXXX XXXX XXXX MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Payday loan, title loan, or personal loan

Good leap denied my credit application first time it was submitted by the salesperson from XXXX XXXX. After they installed my system goodleap started taking money out of my checking account without any kind of authorization from me. They overinflated install and equipment price Should be about half what they are charging. I was promised by XXXX XXXX And lender that first 12 months would be paid out the money lender was giving XXXX XXXX in turn we would give them the check for the year of payments, this never happened. I am paying loan and electric bill. Electric bill was supposed to go down by 90 % never happened. 
Now iam paying both XXXX electric bill and XXXX dollar solar bill. Loan company says after 18 months loan will go up to XXXX month if I don't give them the tax incentives, what they failed to disclose is that it actually takes XXXX yrs to collect all tax incentives. How is that truth in lending?
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax regarding their failure to properly investigate disputes as required by the Fair Credit Reporting Act ( FCRA ). I have experienced firsthand the frustration and harm caused by both of these credit reporting agencies in not adhering to their legal obligations. 
Despite filing disputes regarding inaccuracies on my credit report, Equifax have failed to thoroughly investigate or correct the errors in a timely manner. This has significantly impacted my credit score and my ability to access fair financial products, such as loans and credit cards. Under the FCRA, I understand that credit reporting agencies are required to investigate disputes in a reasonable time frame, and to correct any inaccuracies they find. Unfortunately, in my case, this has not occurred. I have followed all necessary steps to initiate disputes, provided all relevant documentation, and yet have received unsatisfactory responses that fail to resolve the issue. I am concerned that this is not an isolated incident and that many consumers are facing similar challenges with these agencies. I urge the CFPB to investigate this matter and hold Equifax accountable for failing to properly fulfill their responsibilities under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action and resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.