23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a consumer and a natural person, i am not a third party and i am speaking for myself. After requesting debt validation XX/XX/2021 my request went unresponsive. Sent in a second notice XX/XX/XXXX, An Affidavit Of Truth and Facts stating that i am aware banks are borrowers ; issuing bonds and debentures 12 USC 143. My question remains what lawful money was placed in an account for me to have borrowed money? Avant used my negotiable instrument as an asset on its books and pledged it as collateral, which is sold on the security exchange. That is the reason the debt can not be validated because there is no debt owed. XXXX indicates clear and conspicuous disclosures need to be giving with reasonable understanding, which Avant failed to do. No Substance of Form giving, 12 CFR 1026 Regulation Z has been violated. According to 31 CFR 357.13 Federal Reserve Bank credits the amounts on redeemable book keeping securities to a funds account maintained at the institution. No loan was giving but payments were made on my behalf which are do to return back to me 15 USC 1692h Multiple Debts. Avant failed to respond to all communication attempted and an UNREBUTTED Affidavit stands as truth. XXXX out this account immediately as this is the final notice to my paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX from trans union who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of Transunion as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute XXXX with XXXX, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than XXXX disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX BALANCED {$150.00} XXXX  XXXX BALANCED {$0.00} XXXX XX/XX/year>
Product: Credit card or prepaid card

Please help me! My card has been down for five days. I can not use it for instore purchase for food, or even online, or to withdraw cash! I have spent over ten hrs on hold in the last three days, and today their website is down!!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2023 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )
Product: Debt collection

MY CONSUMER RIGHTS ARE BEING VIOLATED BASED ON SECTION 609 OF THE FCRA AND 15 USC 1692G. I HAVE NOT BEEN PROVIDED PROPER DEBT VALIDATION IE CONTRACTS THIS ACCOUNT IS HINDERING MY FINANCIAL WELL BEING EXTREMELY I HAVE CHILDREN IN WHICH I NEED TO PROVIDE A HOME NA D LENDERS DONT WANT TO GIVE ME A HOME BECAUSE OF THIS ACCOUNT
Product: Debt collection

My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report
Product: Student loan

On XX/XX/XXXX The AFFIANT was credited {$11000.00} via " XXXX XXXXXXXX XXXX XXXX. XXXX XXXX '' to attend College. In XXXX of XXXX the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' initiated phone calls and e-mails demanding that the AFFIANT and his Mother were in debt to the Company due to alleged credits that they had leant to them on XX/XX/XXXX. The AFFIANT and his Mother being unaware of their Lawful protected rights via Constitution, Fair Debt Collection Practices Act ( FDCPA ), The Stamp Duties Act of 1862, HJR-192, etc. started paying the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' and by XXXX of XXXX the {$11000.00} that was credited to the AFFIANT through " XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX '' a different Corporation had turned into a {$25000.00} invalid debt via interest that the defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' falsely added. 

Due to economic hardship, the AFFIANT sent the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' a Validation letter via Certified mail on XX/XX/XXXX in pursue of competent evidence that he is legally obligated to pay the Company via Fair Credit Reporting Act, 15 USC, 1681 et. seq. On XX/XX/XXXX the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' sent the AFFIANT a fraudulent contract from " XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX '' as their alleged competent evidence of contract. The illegal contract and previous stated tactics and accumulated evidence used by the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' violates : -15 USC, 1692b ( 5 ) -15 USC, 1692f ( 8 ) -15 USC, 1692e ( 7 ) -15 USC, 1692d ( 1 ) -15 USC, 1692a -15 USC, 1692d All above mentioned violations have been accounted and sent to " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING, Commissioner of USA Internal Revenue Service ( IRS ), and NAVIENT CORPORATION '' via Affidavit of Truth via Certified Mail following attached invoice of damages done to the AFFIANT and his Mother on XX/XX/XXXX coming to a total of {$69000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following Fraudulent hard inquiries from my credit report : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the Fair Credit Reporting act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

2 ) In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

3 ) In accordance with the Fair Credit Reporting act XXXX Account, # XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 4 ) In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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.

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations.

System Error : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported.

Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Hard Inquires Listed Below -XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I have recently reviewed my credit report and there is an account showing open that has been closed since XX/XX/2020 but is still repays open. And is affecting my credit in a negative way, I was added as an authorized user on the account of someone in XX/XX/2020, and I was removed from the account in XX/XX/2020. The account should have be showed as closed on my credit report but it is not, and it is still reporting as an open account, I have contacted the company who the account was with and they said it is closed and has been closed for months. This means that the credit bureaus are reporting inaccurate information which is a violation of the FCRA.
Product: Credit card or prepaid card

Firstly, I a request via the payment coupon along with the payment, that the bank close my account. ( The account had a XXXX balance ). 

I then received my next statement completely ignoring the informal request. Subsequently, I sent a certified letter to the corporate office of Bank of America, requesting that they close the credit card account.

This request appears to have also been ignored, as AGAIN, I received yet another statement showing that the account was still open with a credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.
Product: Credit reporting 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 the 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 that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent Equifax a request of a dispute on an item over my credit report That dose not belong to me. and Equifax kept sending leters stating XXXX XXXX inquiry is a factual record of who accessed your credit file ) I called Equifax. and after I was on hold for XXXX hours finaly someone answers and says to me the same thing. 
XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX was a factual record of who accessed my credit file. 

EQUIFAX does not want to investigate and show me proof that its mine. I have never applied for a mortgage loan or a loan or done business with XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX. im asking you CFPB to help me fix my problem. as im not going to stop fighting this problem I have until its fixed. 

My name is XXXX XXXX XXXX contact phone number is XXXX XXXX XXXX XXXX.
Product: Debt collection

In XXXX I signed a contract to work for XXXX. The sign on bonus was for XXXX I received a total of XXXX. I paid taxes on the money and now credit management company is attempting to collect on a debt that is the incorrect amount. I can not be taxed twice for the same debt.
Product: Credit reporting or other personal consumer reports

I have on multiple occasion requested Experian updade my personal information to match my XXXX, XXXX and XXXX XXXX. They have over many calls lied and said it is the other credit reportorial agencies. They have ignored drivers license sent in, lease sent in, bill statements sent in. They REFUSE to update my file and continue to month after month prevent me from fixing the errors. When i call they say its the other companies issue. Included is the incorrect names and address within the file. XXXX names and XXXX address non of which are current address lived at past XXXX years
Product: Credit reporting, credit repair services, or other personal consumer reports

It is totally frustrating to see TransUnion XXXX XXXX, reports wrong information on my credit report and they do not have proper address to be reached. It really heats my credit and my time and money is unnecessarily wasted following up with this erroneous account information with TransUnion and they keep verifying the account without reasonable investigation being done.please take this incident seriously and delete it immediately Account Under Dispute : XXXX, XXXX XXXX - NOT DELIVERABLE ADDRESS - previously this account was verified that information is correct but when I went and write a letter to the debt collector they where not at the address that listed on my credit dispute response communication mail. You need to DELETE it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on a 3 month forbearance plan with my lender. Despite this they have reported me negatively to the credit bureaus resulting in a 60 point drop in my score. I am not late, my mortgage has not changed at all and yet they are submitting false information and hurting us yet again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an Equifax customer due to a breach from a retail website. They paid for a year of free coverage with Equifax. Then I paid for additional protection and entered Drivers license and passport and then Equifax had a breach and when I called they said they would give me a free year of service with XXXX. 
I could not authenticate my identity after two tries so the service never worked to where I could see my credit report or anything. 
I just got an email today saying I was signed up and to check online. Again I tried to authenticate and failed and called the XXXX no. that popped up on the screen. 
They said that since I did not authenticate by XXXX. I was cancelled for the free year of service. Why did they send me an email as a XXXX MEMBER? SEE EMAIL ATTACHED. Equifax should be made to honor commitments. I was never sent an email saying I had a deadline to authenticate. 
They are the biggest bunch of dishonest people I have ever worked with. They never told me about Equifax 's breach ( found out in the news ) And I was a paying customer. Nor did they offer a free service after the breach. I spent hours of the phone with them to get them to agree to do it and now they are taking it back. Government should shut them down.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX spoke to representative that called me says the XXXX payment I made by mail was not received so I had to pay over the phone immediately so that I don't fall into a 30 day default. I made both the XXXX and XXXX payment total of {$240.00}, then following day on XXXX the XXXX check payment finally went thru, dated XX/XX/13 and I mailed it same day. so now I made 3 payments, called today spoke to XXXX after a long hold unable to reverse any of the payment because I will fall into default. then proceeded to tell me best to credit the month of XXXX and XXXX. attempted to get 1 payment reversed, can't  even do that, have to wait 5 days for check to clear, then another 15 days to get a check by mail. this company is worse than cash call. hold your check payment till the last day of the month, then calls and tells you that you are in default. gives you cause for concern and now the scare tactic tricked me into making 3 payments. nice way to do business -and on top of that I get a notice of default that I owe fees
Product: Mortgage

I was not properly offered a loan modification back in 2010 XXXX XXXX XXXX XXXX XXXX nj XXXX loan number XXXX with Wells Fargo. Me and my XXXX children were forced to move it and lost our home please help. I do not agree with the last response I received. Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a charge off balance of {$290.00}, and an closed account with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.
Product: Checking or savings account

On the date of XX/XX/XXXX, multiple transactions we're being processed without my permission. The weirdest part is that they we're being approved in Florida. I never gave anybody consent to use my cards nor do I have any business out there. I've reported this to Well 's Fargo and they still haven't resolved anything. I would just like this issue to be resolved and in hopes that I can get my money back.