23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Goldman Sachs pre-approved my application for a {$5000.00} XXXX XXXX XXXX XXXX. They requested that I upload my State ID, which I did and Goldman Sachs sent me a letter stating false information '' identity could not be verified '' I sent them my valid front and back of my state ID, so they had documentation of identity as they requested. Still they denied my application, The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The Department of Justice may file a lawsuit under ECOA where there is a pattern or practice of discrimination.
Product: Credit reporting or other personal consumer reports

Ive filed a FTC fraud report. I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. I filed a FTC report and I called each collection agency and requested a purchase agreement they werent able to provide. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning Account # XXXX, # XXXX, # XXXX, and # XXXX I do not recognize how these four accounts are reporting on my credit report. I do not recognize the account numbers, account status, account high balances, or late payments associated with them. Everything reported here does not meet FCRA. 

Additionally, these accounts are listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C any of these four account. 

Furthermore, each account is riddled with inaccuracies across the three credit bureaus. These accounts must be removed for this fact alone. I am entitled to a fair and accurate credit report and this is far from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey! Im getting ready to get a home and upon checking my credit report, I noticed somethings werent right. I have identity theft report attach. Please review the following 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 XXXX
Product: Credit card or prepaid card

PLEASE REFER TO THE PREVIOUS COMPLAINT # XXXX, AND RE-OPEN THE COMPLAINT AS THEY HAVE NOT RESOLVED THE ISSUE.
Product: Student loan

I have not received the formal letters nor 30 day notice letter. I called them and spoke with supervisor on the day I received my first letter stating they would garnish my checks from my current jobs. He stated the informed me about this through mail. I asked for address on file and not was one I Have never stayed at. I asked him the schools I went to had my mom address and mine at least they would of gave u the right address. He apologized and insured me he would stop garnishing process and submit the paper for it. He said it would only stop for 30 days and to call back and speak with rep to set up payment plans. He took my current address and said letters would go out. I still have not received any letters but they have taken my tax refund without notice to. They are garnishing my checks and took my refund I can not even afford to live right now that Im being forced to file bankruptcy all because of a company being very underhanding and withholding arrangements for me to be able to pay.
Product: Debt collection

I had service with XXXX over 10 years ago and now I collection name XXXX XXXX  is damaging my credit stating it was opened in XX/XX/XXXX and I didnt open an account at this time. 
XX/XX/XXXX Date Opened Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$430.00} Original Balance {$0.00} Highest Balance 1 Months Terms Apr XXXX On Record Until {$430.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX ). XXXX XXXX open date : XX/XX/XXXX has violated my rights XXXX ). Bankruptcy XXXX XXXX open XXXX, disposition XXXX XXXX ) XXXX XXXX open XXXX has violated my rights XXXX ). Dept of EDXXXX open XXXX, has violated my rights XXXX ). XXXX XXXX open date : XX/XX/XXXX, has violated my rights XXXX ). XXXX XXXX XXXX open XXXX has violated my rights. 


and i ask these persons/ companies/ entities/ organizations be removed my credit report due to the Congress passing these articles of law.

First one : 15 U.S.C 1681 section 602a. States I have the rights to privacy.

second one : 15 U.S.C 1681 604a section2, also states a consumer reporting agency can not furnish a account without my written instructions.

and lastly : 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.
Product: Credit reporting or other personal consumer reports

I have XXXX late payments from chase on my credit card that I received during the XXXX pandemic XXXX years ago. I havent been late since and chase has given me new additional cards because they trust me. I need to have these late payments removed because I was deathly ill in the hospital at the time fighting for my life. Thank you for your time.
Product: Debt collection

Seeking legal action against the company. 
Since XXXX I've been asking XXXX XXXX now Eaton group to provide the original documents from XXXX XXXX which would prove that XXXX XXXX did not give me the proper credit to my account. XXXX XXXX also received payments from me not posted but deducted from my bank account later given to XXXX XXXX. 
I've asked several times before the debt was sold to XXXX  to please provide that information and the only thing I have received is XXXX XXXX petition for suit of the debt. 
Currently now my wages are being garnished and the judge has not signed the garnishment! No Validation of debt, incorrect credit to my account, manipulating documents to make the court think the debt was established in XXXX instead of XXXX. XXXX sent documents which should match Eaton Group but the amounts and documentation proves that XXXX XXXX and Eaton Group hasn't properly credited my account. 
Letter attached is part of what they consider a validation of debt. I have not been provided anything from the original contract.
Product: Debt collection

Company name Unifund Lic account number XXXX I dont know what this is for they have called me 100 times and 2 months 48 voice mails
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  said i had no credit history
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile.To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXXConduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXXUpdate my credit profile to reflect the correct information as listed above. 
XXXXProvide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

As a customer of Discover credit card, I have always valued the competitive offerings, reliable services, and great customer service provided by the company. However, the news of its merger with XXXX XXXX has raised significant apprehensions among consumers like myself. 
I am worried about the potential reduction in competition resulting from this merger. With fewer players in the credit card market, consumers may face limited choices and less favorable terms when seeking credit products. This lack of competition could lead to increased interest rates, fees, and less flexibility in loan terms. We may also face stricter lending criteria and increased difficulty in securing loans, particularly for those vulnerable with less-than-perfect credit histories.

With the merger, there is also a risk of disruptions in service, longer wait times for customer support, and decreased responsiveness to customer inquiries and concerns as many of my friends complain about the outsourced customer service of XXXX XXXX credit cards.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a dispute with the credit bureaus TransUnion, XXXX and XXXX for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX H

AS violated my rights. 15 USCsection 602a states i have the right to privacy & 15USC 1681 Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructio
ns.
Product: Credit reporting

A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.
Product: Debt collection

I got a notice that Midland Credit Management had taken over a credit card debt. In XX/XX/XXXX, Midland sent a letter and, according to the letter, I could " make small monthly payments over time. I paid and got a statement every month. The last statement was in XXXX and I paid that month. I did not get a statement in XXXX, so I looked for their address on their website. I have continued to make monthly payments. Debt is now down to slightly over {$1000.00} and will be paid up in XX/XX/XXXX. 

I received a notice from the court that Midland is suing me for over {$1500.00} -- I do not owe that amount. Their attorneys have no physical address -- just a PO Box and cell phone. I want them to drop their suit -- Midland has been receiving and cashing my checks every month. There was no notice that the " small monthly payment '' arrangement was changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

My prepaid card has XXXX $ on it. I called number on the back and After following the prompts, entering the number and expiration date, I got a voice recorded message that the card and the funds on it are no longer valid. The card is a prepaid discover, and the expiration was XX/XX/2015. Is there any way I can redeem the $ $
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of several accounts listed on my credit report, as these accounts are not mine and were added without my authorization. As a victim of human trafficking, I have been subject to identity theft and fraud. The inclusion of these accounts on my credit report has caused significant harm, both personally and financially. In accordance with the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy regarding my personal financial information. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing information about me without my explicit written instructions. The following accounts are erroneous and must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts were not opened, authorized, or managed by me. Please take immediate action to remove these accounts from my credit report and ensure they are not reflected in future reports. I have attached all necessary documentation, including a copy of my credit report, government-issued ID, and any supporting evidence demonstrating my claims. Thank you for addressing this urgent matter promptly. I request written confirmation once these errors have been resolved. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.
Product: Debt collection

XXXX  XXXX is attempting to collect an old debt that they have already written off a few years ago. They served me with a summons to appear in court for some time in XXXX of XXXX. This is already a charge off for XXXX.
Product: Credit card or prepaid card

XXXX XXXX is using her XXXX account to excise tax with direct express under my identification information she scam artist that works for XXXX XXXX XXXX she a XXXX  and XXXX XXXX XXXX for the Social Security she also as a major for XXXX XXXX XXXX XXXX she charges debit too my credit account and entering my apartment illegal this is XX/XX/2020 XXXX and XXXX
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX Todays Date is XXXX XXXX My XXXX Report Number : XXXX And My FTC Report Number Is XXXX Iam The Only One Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Account As I Could .Also Recently I Called XXXX Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Account : TD AUTO FINANCE Account number XXXX {$14000.00} XXXX Even Called XXXX Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way XXXX Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Credit card or prepaid card

I am currently serving overseas on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and my account has been under SCRA status since XX/XX/XXXX due to my military status. 

With my military duties and my remote location, I am limited in my abilities to check my accounts but noticed when I did that I was behind on my credit card payments and sent the payments needed to get my payments up to date. Sometime after I made all the payments to be current in my account, I tried to use my Navy Federal credit card and it was declined. I called customer service from overseas ( very time consuming and costly for me ) and they informed me that they closed my account. On my online account, there is no indication that my account is closed and it shows that I have credit available and my payments are up to date. I even mentioned this to the customer service representative when I called about this. 

I am very disappointed in this situation. I did not receive any notification ( perhaps they mailed it to my US address but I am not able to check my mail while XXXX ) before they closed my account. And with my account current and under SCRA protection, I am puzzled why this action was taken. This situation caused added stress to an already stressful period of me being on XXXX in a remote area XXXXXXXX. I plan on reaching out to a military legal representative to discuss this matter.
Product: Debt collection

Regional Acceptance has placed negative information on all of my credit reports without any notice to me. I have sent them a validation letter via Certified USPS mail and have proof they have received it. I have asked them to validate this unsubstantiated claim. 

Also under the Fair Debt Collectio Act, this item needs to be REMOVED while a dispute is under investigation, and if validation and items requested in the validation letter are not provided then Regional Accep [ tance needs to permanently remove this reporting from all 3 credit bureaus. 

Regional Acceptance has hundreds of complaints against their collection practices online.
Product: Debt collection

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$7500.00} Account # XXXX. I did not make or authorize this charge. I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. Disputed Account # XXXX Oliphant Financial , LLC Original Creditor XXXX. Total Amount Claiming : {$7500.00}