23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see below a copy of the letter I sent to Belk XXXX. XXXX XXXX XXXX FL XXXX, regarding an account that is still reporting negatively on my credit reports. 


Belk XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX Belk, Please see attached a copy of the letter sent from XXXX. XXXX XXXX whom represents XXXX XXXX XXXX XXXX ( Office of General Counsel ), this is whom this Belk, account # XXXX, was sold to. 

Please see the highlighted areas on the letter that indicate that they have sent notification to have the account removed from my credit file. As of XX/XX/2019, Belk is still showing on my credit file. I am requesting for it to me removed immediately. 

XXXX XXXX XXXX ** I have attached a copy of the letter from the office of the general counsel**
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2017, Comenity bank closed my Express card with no consent or knowledge from me.

This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their overseas customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX chose to close my account as paid, as documented on previous dispute. They said they had submitted this account for deletion but it is still recording Voluntary Surrender on my report. Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is to be EXCLUDED on the consumer reports, yet you are STILL reporting to my consumer reports. I demand that these items be removed from Experian, XXXX and XXXX immediately. This is great preventing and damaging my ability in obtaining lines of credit, & further my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting

XXXX XXXX XXXX Court House and XXXX XXXX XXXX Records Office told me that my Tax Lien has been extinguished from public record. I have been sending in documentation that they gave me to give to the credit bureaus to have them delete it from my credit report. Equifax keeps coming back saying that the Tax Lien has been released and that 's it. I have been back to the city to verify this a few times and they tell me that this Tax Lien needs to be deleted and that they do n't report to the credit bureaus, so there 's some outside source supplying the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan For XXXX is more than XXXX XXXX XXXX shouldn't be on my report anymore.
Product: Debt collection

My first name is XXXX, I am part of the class action lawsuit against Global Client Solutions for Processing Illegal Debt-Settlement Fees I was their client in XXXX XXXX, New Jersey, I got a mailer from the company to use their service for Credit Card Debt. I paid {$300.00} each month and was told to stop paying my credit card bills. My ex husband did the same thing with the same company, around the same time and was award a refund for this class action. 

I 'm trying to find out how I can claim my share of the settlement. I paid a total of around {$3000.00} and learned my debt was not paid off. 

I 've since moved to XXXX and have had no correspondance. Please let me know how I can find out if I can receive part of the settlement and what documentation I need to provide. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX account number XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i checked my credit on XXXX i seen incorrect information on account i disputed this XX/XX/XXXX certified mail i don't know what they are doing maybe still looking or stalling i need you guys help to investigate also my credit has been giving alerts that my information is being used on the dark web so i went to XXXX breach to see if my information has been breach it claimed my info is breached i really need you guys help in this situation.
Product: Credit card or prepaid card

A week ago i received two letter from XXXX, XXXX , XXXX XXXX XXXX, PA, atty/collection, file number XXXX as retained allegedly by XXXX XXXX XXXX. Office stated they are attempting to collect on XXXX XXXX debt from late XXXX thru mid XXXX that I actively and aggressively disputed then and now. 
( CFPB has all listed attempts on file ) I disputed the debt thru XXXX  with this office XXXX, i disputed debt with bank in XXXX and I dispute debt now, and this issue should have been resolved with bank in XXXX. 

I want to know why this agency is attempting to collect on a falsely created debt that was disputed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an Experian e-mail saying I had a new alert and when I tried to log in it did not recognize me, it said that my user name or password was incorrect. I thought maybe the I needed an Uppercase so when Experian sent my user name, XXXX, '' but that is not my e-mail or username. I was on Experian a month earlier dealing with a dispute. I tried to pay my credit card bill and XXXX XXXX  actually allowed someone to change my e-mail address which locked me out of paying that bill. 
Today I got the Experian recording which WOULD NOT allow me to speak to a real person. After 3 tries I googled the Corporate office at Experian and the operator told me to say " dispute '' to get a body. When I did, I was transferred three separate times. When I finally got through to a person, they sent a password reset to the person who hijacked my Experian account instead of me. Because the thief changed my email address/ username. I currently have NO access to my Experian account even though I have a current dispute on record. There appears to be someone out there who has my personal information and has used it to change my Experian credentials and other accounts. I am unable to place a fraud alert on my account because Experian does not recognize me as an account user. I have been unable to get a hold of anyone that will help me!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX XXXX EQUIFAX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,
Product: Vehicle loan or lease

I purchased a XXXX XXXX more than a year ago from XXXX XXXX XXXX Illinois. 
XXXX charged over a XXXX extra for GAP insurance.. 
XX/XX/2022, a man coming out of a strip mall hit my XXXX, didn't stop to look. 
He broad sided me, which his XXXX declared the vehicle a total loss. 
They paid XXXX. GAP paid partial getting me for over {$4400.00}. 
.Their claim is XXXX overfinanced. 
Who's fault is that when salesmen are XXXX  out to take advantage of women? 
The money I owe is the interest on the loan for the next 3 years. I'm paying on a car I won't have. 
They are adding more interest and late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name - XXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX  This account was disputed before and after payment to the collection agency with no problem being resolved. This account is being reported in error on multiple CRA 's. According to the FCRA 611 subsection A, Chapter 1 ; A bureau re-investigation is in order whenever a dispute is returned as validated without a correction being made. 
This account is being reported as having multiple late payments on the XXXX credit report, yet on XXXX as a collection it states this account never missed a payment. Then on Equifax, this account has multiple months of missed payments not being reported which according to the FCRA 611 ( 15 U.S.C. 1681I ) chapter 5 section A, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information if found to be inaccurate, incomplete or unverifiable it must be promptly removed.

According to 609 Disclosures to consumers [ 15 U.S.C. 1681g ], Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This account is not being reported accurately across all three CRA 's and asking for it to be promptly removed due to the length of time these inaccuracies have been reported.
Product: Credit reporting

XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.
Product: Debt collection

I was officially notified on XX/XX/XXXX by a representative from Rent Recovery Solutions LLC, that my previous Landlord is attempting to collect a debt for rent owed for the months of XXXX, XXXX and XX/XX/XXXX as well as damage and utility fees. These statements from XXXX XXXX XXXX ( XXXX, Virginia ) are false. XXXX XXXX ( whose name is also on the lease ) and I moved out of the apartment XX/XX/XXXX. The office at XXXX XXXX told me on the phone two weeks prior to moving out that the apartment was rented and a new lease was signed for that unit. I explained this to the debt collection representative and was told that I can dispute the debt and would need to send in supporting documents in order to put the account on a hold. I was also told that the debt would be subject to credit reporting on XX/XX/XXXX. I sent the supporting documents to them in the mail to the address provided by the representative later that same day ( XX/XX/XXXX ). The address provided was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My dispute documents consist of a copy of the lease agreement, a copy of a dispute email I sent to XXXX XXXX XXXX  concerning the debt, a copy of the statement I had received in the mail from XXXX XXXX and also a letter that explains my argument for the debt. I had tracking on the package sent out by USPS. My dispute documents were delivered to the agency on Monday XX/XX/XXXX at XXXX XXXX. I called the rep back to see if they had received them but was told " No, it could take a couple of days to get into our system. '' I continued to call multiple times until finally on XX/XX/XXXX after being told they still were not uploaded into their system, I sent a second copy of dispute documents to them. That second set of documents arrived to the agency on XX/XX/XXXX at XXXX XXXX according to USPS tracking. I called XX/XX/XXXX to express my concerns and figure out why my documents were not uploaded after sending them a second set. I was also informed the department that handles these documents is located in the same building but yet they have no way of contacting them to figure out what the hold up is. The last thing I want is for this to hurt my credit score. I feel like they have had plenty of time to submit my documents and put my account on hold from credit reporting so this whole matter can be investigated.
Product: Debt collection

This debt was with a different company. I put a complaint through the cfpb before and it disappeared off my credit and now it is back as a collection with credence resource management. It says its from XXXX  which i have not used since 15 years ago. The account says active 2 months but this was originally saying XXXX of 2021. 

I called the company explained this was fraud. They would even call me and ask if I lived in Texas because that is where it occured. I gave them address I live in Virginia. 

I thought this was removed from my last complaint that I did through XXXX because it disappeared off my credit and now I show it now with a different account and as a collection. 

I never did any business with XXXX  in the last 15 years.
Product: Money transfer, virtual currency, or money service

I was using paypal on my ecommerce store to sell products, and when {$4200.00} sales amount accumulated in my paypal account, paypal suddenly banned my account and kept the money for 6 months and said that they will return the money after 6 months, and now 1.5 years have gone ( today XXXX XX/XX/XXXX ), paypal never returned the money and kept the money saying that- damages caused to PayPal by Acceptable Use Policy violation ( s ) '' its clearly mentioned on paypal website also that for policy violation, they only deduct {$2500.00} and even though I didnt violated any policy, they kept whole {$4200.00} and never returned the money back my paypal account was banned on XXXX XX/XX/XXXX and my {$4200.00} were to be returned in XXXX, and on XXXX XX/XX/XXXX, paypal transfered the whole money to itself and never returned even a XXXX back paypal is doing total fraud and my paypal account is associated with email- XXXX and with name XXXX XXXX
Product: Debt collection

XXXX XXXX has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.
Product: Checking or savings account

I received email from Bank of America that a savings account has been opened in my name. I called bank of American to report it and found that it was fraudulently created in my name. The bank shut it down for me. I put a credit freeze with all credit companies. However, a month later, I received another email that an account has been created in my name. I am not sure how does Bank of America lets people create account in someones name while there is a credit freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written both XXXX  and experian about this and no one has even responded In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  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 an 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

In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. They have no right to collect according to the XXXX. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc
Product: Debt collection

XXXX 2017 I received a phone call from a debt collector indicating that I have an outstanding balance from a medical service. I asked for them to send a notice of the debt and where it came from but I never received it. I have no knowledge of this debt therefore, I want this removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I purchased qty 2 XXXX XXXX using PayPal from a company named XXXX on XX/XX/14. When the items arrived, they were not XXXX but stuffed blue sharks. I initiated a complaint with PayPal, who said I could return the items for a refund. The address provided was not deliverable- I tried multiple shipping services and communicated this to PayPal XXXX but they sided with the fraudulent company and closed the dispute anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint to the three credit bureaus XXXX, Equifax and XXXX, I requested the method of verification for an account that is being reported on my credit report with the name of XXXX XXXX. I sent the credit bureaus a method of verification letter and they never provided me with anything, so I then sent the credit bureaus a second method of verification letter telling them that my first letter was about me asking them for the method of verification for that specific account and still they have not provided me with anything but they still tell me that the account was verified. I know that by law I have a right to ask for the method of verification for an account and the credit bureaus must provide the consumer with this information and I also know that by law and according to what the fcra says, credit bureaus have 15 days to provide the method of verification to the consumer. I want the account XXXX XXXX deleted from my credit report because the credit bureaus failed to provide me with the method of verification in 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an amount of XXXX from Wells Fargo that was previously reported as delinquent. I straightened the matter out with Wells Fargo. It was corrected with XXXX, but XXXX erroneously reports late payments on this Wells Fargo account # XXXX. These payments were accurately reported as on time to XXXX   and now XXXX needs to be corrected. This has resulted in a very low credit score with XXXX ( XXXX ) and adversely impacted my ability to secure loans for my family. Please help correct this. When I called XXXX, the were unable to help me.