23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 & block any account which is found to be opened due to identity theft. The dispute item 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 this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 Date Opened : XX/XX/2015 Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX, AZ XX/XX/XXXX. I was greeted by a salesman who told me that all trucks are {$5000.00} more due to Covid because I asked him why they were so expensive. He started to mention negative remarks about the other dealerships in the area. He then proceeded to explain that if he could get my personal information he could make a better deal with me. After viewing a few vehicles we went to his office and after getting my name, address, phone, he asked me for my Social Security number & Birthdate. I told him I didn't want my credit ran without writtin permission and he told me I would have to sign a paper authorizing that to be done. WE WERE VERY CLEAR! I didn't sign any authorization and walked across the street to XXXX where I found a vehicle that I liked. During the transaction, WITH MY PERMISSION, XXXX ran my credit Report and told me that XXXX had ran my credit 7 times through some type of " Clearing House ''. Because of so many Inquiries on my report XXXX XXXX XXXX has lowered my credit limit 50 % and now my credit worthiness has fallen from " Very Good '' to just " Good ''. This is all happening while I'm purchasing a Home and it's affecting my Home Loan and raising the rates. I spoke to the Principal Owner MrXXXX XXXX XXXX he was very mean to me and even threatened me. He didn't apologize nor did he offer to fix the mess. I sent a XXXX  complaint but he refuses to answer it. I reported it to XXXX but they won't inve6it nor will they help at all. This is corruption at best. I need you help. Attached you will find a email from Mr. XXXX admitting to the error with no apology or offer to help.
Product: Student loan

I have been trying to pay everything that I make to bring down my student loan amount and I have noticed most of my payments are going towards the interest rates for the past 3 years. These are the amount I have paid to interest for the past 3 years : XXXX {$13000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$46000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$35000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF I called them again and found out all these time they have set up my payment plan in a way that pays interest first then the balance. I don't think this is fair ... this needs to be recalculated since I have paid about {$95000.00} only in the past 3 years to interest vs. I this money have been applied to my principle my loans would have been much less now.
Product: Mortgage

We were in a forebarance with previous servicer and finishing up paperwork for a partial payment claim when transferred to Carrington Mortgage. They took forever to get paperwork then took us out forbearnace without knowing and reported us late to credit bureau. I would like the late payments take off we were not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with XXXX Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

XXXX, XXXX and Experian all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I miss me XXXX XXXXXXXX Credit Card on my Experian Credit Report. 
I disputed over the Internet with Experian, without a result. 
I called since XX/XX/XXXX with Experian and XXXX XXXX back and forth. 
Experian told me is XXXXXXXX XXXX fault, XXXX told me is Experian 's fault. 
Friday XX/XX/XXXX I get a letter dated XX/XX/XXXX with an XXXX  # XXXX from XXXX XXXXXXXX and they wrod me " All major Credit Bureaus have been updated. '' I called Tuesday XX/XX/XXXX Experian because they send me a Report No. XXXX I should call Experian. They told me they don't get updated from XXXX XXXX. 
XXXX XXXX told me end XX/XX/XXXX that they reported the last time on XX/XX/XXXX. 
XXXX and XXXX XXXX have never lost my XXXX  XXXX Credit Card on their Credit Reports.
Product: Credit reporting or other personal consumer reports

Im writing to dispute the validity of the reference item pursuant to the fair reporting act. This item has been removed from XXXX and XXXX due to the fact no such debt exists. XXXX failed to respond and failed to comply with the FTC of noncompliance. To remove the account and be deleted
Product: Bank account or service

Fail to reverse unauthorized charges - fail to real email indicating I have no dam phone - fail to mail or email - all details were submitted per bank request - still have not reversed charges or send new cc card. Why?
Product: Debt collection

On Saturday XXXX XXXX 2015 I received letter from collection agency that I owe {$130.00} to XXXX. I did not received any warnings from XXXX regarding any financial responsibility. 
On the following Monday I called them XXXX times, I spoke with XXXX representatives and manager. I was told that my balance is {$0.00} and I did not hear any apologies. 
On Wednesday I received letter from XXXX stating that my balance is {$0.00}.
Product: Debt collection

Dear Sir or Madam : On XXXX XXXX, I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against XXXX under the Dodd-Frank Act. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost frustration and dismay regarding the continued presence of late open accounts and a public record on my credit report, despite previous attempts to have them corrected. Despite providing extensive evidence of inaccuracies and following the proper procedures outlined by your agency, these detrimental items persist, adversely affecting my creditworthiness and financial standing. 

Despite these persistent efforts, the inaccuracies remain unresolved, casting doubt on the accuracy and integrity of my credit report and hindering my ability to access credit and financial services. 

I demand immediate action to thoroughly investigate the late open accounts and public record and expedite their removal from my credit report. I have attached copies of all previous correspondence, dispute letters, and supporting documentation for your review, and I request that you conduct a comprehensive review of this information to facilitate a swift resolution. 

Failure to resolve this dispute promptly will leave me with no choice but to pursue alternative avenues for seeking redress, including legal action to enforce my rights under the FCRA and obtain appropriate remedies for the damages incurred. With this, I am asking for your assistance to remove the public record and correct these late open accounts or fraud items in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX  XXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy 4. XXXX  XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy
Product: Credit reporting or other personal consumer reports

i got a copy of my credit and saw that this lender took a copy of my report without my consent
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has refused to provide me with a copy of my credit report. Despite providing all required personal identification detailssuch as my ITIN, passport, address, and information related to my credit accountsthey continue to deny my request. 

Equifax claims that they can only verify my identity using a XXXX. Drivers License or XXXX XXXX. However, I am not a XXXX citizen and do not possess either document. I have submitted alternative forms of identification, including my XXXX XXXX, XXXX, and other documentation, which should be sufficient under the Fair Credit Reporting Act ( FCRA ). 

This situation has caused significant inconvenience and distress. I have a legal right to access my credit report, and Equifax 's refusal to accommodate reasonable identification alternatives violates my rights.
Product: Debt collection

Pulled my credit report & seen an account that was opened due to fraud. The account was closed due to non payment & sent to collections. I reached out to XXXX XXXX who is the original creditor & provided my Federal Trade Commission Affidavit along with my police report for this account. I was then told the account was sold to a debt collection agency which now belongs to Portfolio Recovery Associates , LLC ( Acct : XXXX ) Ive since received calls from Portfolio Recovery Associates trying to collect on this debt which was accumulated due to fraud. Attached is a copy of my Federal Trade Commission Affidavit with the original creditor ( XXXX  XXXX - XXXX ) redacted information is sensitive & No affiliation with XXXX  XXXX or Portfolio Recovery Associates LLC
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( XXXX  ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account.

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer 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.
Product: Debt collection

Hello, I received a debt letter from Credit Collections Bureau dated XX/XX/23, for the amount of {$200.00}. 

I am disputing this debt as I have not received a bill from the medical provider prior to the debt collection letter. I called the Credit Collections Bureau and was unable to reach a representative. I have active health insurance, including at the time of any medical visits. 

I am requesting that my credit is not impacted while we work to resolve this. Im also requesting the name and address of the original creditor along with copies of any attempt to collect the outstanding debt prior to this letter. 

Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NPG Associates XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute of Debt Information NPG Ref # : XXXX To Whom It May Concern : I am writing to formally dispute the debt referenced in your correspondence dated XX/XX/XXXX. I believe the information you have reported is inaccurate, and this dispute is submitted under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1692g ( b ), I request that you provide validation of this debt. Specifically, I request : 1. Documentation verifying the validity of the debt, including signed agreements or evidence tying me to the account.

2. The name and address of the original creditor, as required by 15 U.S.C. 1692g ( a ) ( 5 ).

3. Copies of any judgments related to this debt, as mentioned in your letter.

Additionally, I request verification under 15 U.S.C. 1681s-2 of the FCRA to ensure the accuracy of information provided to consumer reporting agencies. Inaccurate or incomplete reporting violates both the FCRA and relevant case laws, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which emphasized the importance of reasonable investigation by creditors. 

Until you validate the debt as required by law, I request that all collection activity cease, including reporting to any consumer reporting agencies, in accordance with 15 U.S.C. 1692g ( c ). 

Please note that failure to provide accurate and timely validation of this debt will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

I expect a response within 30 days of receiving this letter. Any continued attempts to collect this debt without proper validation will be considered a violation of my rights under federal law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : XXXX AMT :  {$760.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} XXXXXXXX XXXX XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX   ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX   ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXX You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$300.00} from this lender and so far they have garnished XXXX out of my wages, this is more than half of what I borrowed and they still plan on taking more. If I had known this I would have never borrowed anything.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX, my first payment was due on XX/XX/2021, on XX/XX/2021 I called to let them know that I mailed out a payment. On XX/XX/2021 they came and picked up the car because they said I defaulted on my first payment. I tried to explain to them that I did mail the payment, no want wanted to listen to me. All they are saying is that I need to pay the full balance of the loan, in order to get my car back. They are not even trying to let me explain what happened, the lady said they tried to reach me and I explained to her that I was not available due to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have written many request to experain to validate things on credit report. They are saying that validated these accounts but have no proven to me these accounts are mine. According to federal my accounts must be validated with proper documentation which experain has never given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview Servicing was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, Bayview changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through XXXX twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.