23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX XXXX is a financial institution by definition under 15 USC 6801. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Pursuant to FCRA 15USC 1681a ( 2 ) a consumer report does not contain or include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The law states that it is illegal to report Transaction history. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. In your agreement with consumers you agreed to follow the law.

I demand that the following transaction history be removed immediately : NAME OF ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX LIST OF INACCURACIES FOUND ON XXXX CREDIT REPORT : payment history days late history
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. There are also inconsistencies in the data being furnished. How can the date last active be different than what another bureau is reporting if all information should be complete and accurate? Furthermore, I was never sent correspondence notifying me that this account was sold to CAVALRY PORTFOLIO SERV which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. If this account is not removed and payment within 15 days, I will forward this information to my legal attorney so that this can be handled in small claims court.
Product: Credit card or prepaid card

REFERENCE XXXX In XX/XX/2020 I've placed an order on Amazon website from a third-party seller XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXXXXXX fro the amount of {$3800.00} and used my XXXX XXXX to pay for this amount. 
The package was delivered to my address in XXXX XXXX, NY, however the condition of the item wasn't as described - unit wasn't powering on and I couldn't receive any customer support from the seller, therefore I've requested a return due to the item arrived wasn't in the condition as described. 
Seller provided me with the return information and the item was successfully returned via XXXX XXXX XXXX XXXX XXXX as of XX/XX/2020 and I've received an email from Amazon with statement 'Once XXXX XXXX XXXX   receives the item below, we'll issue a refund to your original payment method '. 
I have reviewed the response altogether with a documents provided by the opposing side and vocalize my intention to continue this dispute. In order to prove that Ive returned exactly what was purchased, during the packaging Ive recorded a video of physically placing an item into the box, showing all pieces packed altogether with a shipping label close up. 
Originally this video was recorded due to insurance concerns merchant refused to provide the return shipping label, so I had to purchase one. Due to the high value amount if this item, I had to insure this package. During that time, XXXX advised me, that in case the package gets damaged, best way to get a reimbursements is to have a proof of solid inner packaging. In cases like mine, where the item was very costly, video would be a great type of a supporting document. 

Video had been recorded on XX/XX/2020 and available via link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sorry for the inconvenience of having to watch that long. Ive enclosed the the timecode, which also could be found in a description box below. Ill copy them here for your convenience as well. 

DISPUTE CASE XXXX XXXX CLAIM ASSOCIATED WITH A TRACKING XXXX RECORDED ON XX/XX/2020 TIMECODES : 0:18 - Showing was was packed 0:26 - Condition of the item 1:54 - Sealing the decorative box 2:16 - Sealing the retail box ( serials enclosed ) 3:56 -  Final check of what's inside the box 4:04 - Inner packaging 4:58 - Sealing the shipping box 5:12 - Showing the return XXXX shipping label with matching merchant credentials 5:27 - Outer packaging final check up Among the documents provided by the opposing side, I havent found any photo or video proof of their words. Therefore I found their position nothing but a blasphemy and hearsay, with all due respect. 


Kind regards. 
XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I settled an auto repossession debt from 2010 ( i gave the car back because it stopped working because it was a flood damaged vehicle from Hurricane XXXX ). I paid the settlement amount to Credit Acceptance and they acknowledged receipt, and that the debt has been settled. The problem is I am trying to purchase a home and I need to have my credit report updated ASAP to reflect this information and Credit Accept refuses to release the information to XXXX XXXX. Despite the fact that I have authorized them to release the information. Every time XXXX calls them they refuse to release the info and I am told by the credit report people that Credit Accept is refusing to respond to electronic requests to update the information. This does not seem fair especially in light of the fact that the automobile was defective in the first place, and they said they would accept the car back to satisfy the debt ( but then they wound up putting a collection on my credit report ). When i call Credit Acceptance to complain they say they will cooperate with XXXX, but when XXXX calls they refuse to cooperate. I feel that Credit Acceptance is acting in bad faith.
Product: Student loan

I am currently in a rate reduction plan. It expires every 6 months and I am forced to find out lengthy paperwork to renew it. Meanwhile, accrued interest is added to the loan and the rate skyrockets to almost 16 %. There do not appear to be any options available to me to get out from under the loan. I am afraid to prepay or pay off some of the smaller loans because I have heard that you will get denied from the reduction plans in the future and I can't afford the payments at a 16 % interest rate. 

Please help
Product: Debt collection

Company keeps calling about a debt this is not mine. Have told them repeatedly not my debt and I don't know person the debt may belong to. 
XXXX. The name of the company is unknown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned a business which is under XXXX XXXX. I open a bank account under XXXX at chase bank which they offered a credit card under that company which i excepted at no time did I sign personal or guarantee the card. I called chase Bank and said to please forward me my signature to personally guarantee the card they said they don't have it. I said then you then need to remove it from my person credit report and put it on the business credit report. Due to covid the company has shut down and out of business. please have have bank remove this from my personal credit report
Product: Payday loan, title loan, or personal loan

This complaint is on behalf of numerous customers who have loans with security finance in XXXX ga. Specifically the branch manager a Ms XXXX XXXX has used threats of legal action, legal charges being pressed against consumers and garnishment as a means of collections. When making collection calls This employee suggests and eludes to the fact that this matter is one of an urgent nature about a business matter in XXXX County and the customer must contact a Ms XXXX before XXXX, leading people to believe this is a legal matter involving police. This manager has forced optional insurances on consumer loans and told customers they are required by the state of ga and they must accept them in order to get the loan. This manager discloses personal details to third parties regarding accounts of customers. She has continually called references and places of employment under the pretense of verifying a past due customers employment and then asking who is in charge of payroll and garnishment and who would she direct such documents to. This type of collections lets a third party know that the employee / customer she is calling about is potentially facing a legal issue or possible garnishment of his or her wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus dated XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. Please do your job and correct this account. 


XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested on XX/XX/year> for the XXXX, XXXX, Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and validate the account and provide me with a copy of my wet ink signature and I have not receive nothing from anyone to this day. I have never done business with neither of these companies.
Product: Credit card or prepaid card

To whom it XXXX concern. 

I tendered payment to CapitalOne before the original due date of XX/XX/2022, I had sent via registered mail a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$230.00} and {$800.00}. which estimated delivery was XX/XX/2022, with both coupons totaling {$1000.00}. I sent these coupon vouchers to the XXXX of CapitalOne, XXXX XXXX XXXX who XXXX the Vouchers and a Cover letter, Hold Harmless and XXXX XXXX, Legal Notice and Demand, and form XXXX. I have received thXXXX XXXX XXXX XXXX in the mail to confirm they have received my voucher coupons. I called into CapitalOne to check if my coupons were applied on XX/XX/2022, XXXX the Supervisor I spoke with stated it might have been rerouted to the proper department and stated I check back on XX/XX/2022. I called again on XX/XX/2022 and spoke with a Representative who could not assist me because he could not find where the coupon vouchers were or if there were any notes on what was sent. Finally, I was transferred to a XXXX Account XXXX XXXX to check if my payment vouchers were applied. She debated with me about what I had sent, and stated that it wasn't payment, I explained that I knew the law regarding making a proper settlement or setoff to the account, and explained the UCC codes, 18 U.S. Code 8, UCC 3-603 ( a ) & ( b ) & ( c ) TENDER OF PAYMENT, UCC 3-601 ( a ). She continued to debate with me and stated on a recorded line that " SHE DID NOT KNOW THE LAW '' and could not assist me in this issue. I was left damaged with now having to find another means of tender, even though I had sent in my XXXX Coupons to settle the account. Then on XX/XX/2022, I was sent a letter from CapitalOne stating that they have closed my account because my activity was not consistent with their expectations for account usage and violates the CapitalOne customer agreement. I strongly believe per XXXX XXXX Interference with commerce, theXXXX XXXXXXXX XXXX XXXX XXXX  me the consumer, and I seek full credit to the CapitalOne account as well as for damages & Punitive damages. My account was closed, and their representatives do not know the law regarding Legal Tender, and I overpaid because if I did not do this, they will go and damage my Consumer Credit Report.
Product: Credit reporting or other personal consumer reports

This is my fourth attempt to inform you that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax continually allows codes my account status incorrectly on my XXXX XXXX XXXX acct. XXXX! The code they use is, " XXXX '' That code represents = transfer/sold according to Equifax 's own legend via pdf. The correct code is either " XXXX '', = transfer/sold/paid or " XXXX '', = refinanced. " XXXX '' may also be used, which = paid & closed. But, " XXXX '' is the correct code. Equifax continually claims that it is the department of education that picks the code. However, after talking to " XXXX XXXX '', of the escalated services dept of Operations Services, she claims that the XXXX, is not privy to Equifax 's codes. She was not even aware of Equifax 's account Numbers, that pertain to The XXXX accounts on my Equifax report! " XXXX XXXX '', directed me to call Equifax , & request a discrepancy report by calling the XXXX directly @ XXXX. However, upon contact to Equifax they stated they could make no outbound calls. I spoke with a csr-XXXX, a supervisor XXXX ( XXXX ), and a manager XXXX in the consumer office of Affairs. Every Equifax representative insisted that the coding was on the XXXX, not on Equifax as a company. However, in talking to the XXXX, CFPB, and An FTC inquiry, I know that is not the case. XXXX, an Equifax supervisor told me that if " I wanted to complain about the XXXX, that I should talk to President Obama personally, that he was the only person higher, than any representative at Equifax. XXXX XXXX, stated that, " requesting Equifax to do an discrepancy report was " standard '' procedure. Equifax representatives, scoffed at such a suggestion. Even after conveying to Equifax , that I had consulted with an attorney, & knew the stays codes, they insisted that, putting a status code of " XXXX '' on my report & adding in " additional information '', .. That it has been paid! That is not correct!!!! Equifax has not even added an updated status reflecting that it is paid in full as of XXXX XXXX. It still shows -IN COLLECTION- as of XXXX XXXX. All Equifax reps say they will do is file a dispute, eve though 4+ disputes have been filed on this account in the last 365 days!!!! Experian, did file a discrepancy report, and my XXXX filing is now correct. XXXX is in the process of filing a disrepency report, but has properly updated my filing on my Equifax Report. Equifax , is not customer friendly. Even the Equifax manager I talked to XXXX, in the Consumer of office Affiars insisted that he knew more than me as an attorney, and that The XXXX, picks the stays codes, not Equifax. THEY ARE NOT THE XXXX STATUS CODES!!!!! NEITHER TE THE ACCOUNT NUMBERS ON MY EQUIFAX REPORT!!!! This has been a 9 month ordeal!!!! I have had to fight Equifax every step along the way!!!!! They do not have internal checks & balances, even if the information they put in reports conflicts with one another!
Product: Debt collection

It doesnt state what the debt is related to a financial product ( like a loan or credit card ), the notice must contain the name of the creditor to whom the debt was owed on the itemization date. 
The account number associated with the debt. 
The name of the creditor to which the debt is currently owed. 
The amount of the current debt and an itemized list of any payments made and added fees, interest, or other charges. 
The Notice of Debt must contain a statement advising you of your rights under the Fair Debt Collection Practices Act ( FCPA ), including a statement that you have the right to dispute the debt within 30 days of receiving the letter.The notice must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute : This is not my debt. 
The amount is wrong. 
Other ( you will need to supply additional information. ) The date of the last statement or invoice provided to the consumer by the creditor. 
The charge-off date. 
The date of the last payment applied to the debt. 
The date of the transaction that gave rise to the debt. 
The judgment date, if there is court judgment on the debt. 
THE COLLECTION LETTER DOESNT STATE A HUGE MAJORITY OF THIS I have no idea what this debt is and states that its from two accounts. I dont have two accounts of anything so I have no idea what this is and I believe itsa fraudulent scam with an attempt to scam me into paying this. This isnt on my credit report please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze with all three credit agencies in early XXXX. I then applied for a home loan in mid XXXX and had no problem temporarily lifting my credit freeze with XXXX and XXXX but Experian would never recognize my information online or by phone and required mailed in copies of all my documentation, this delayed my loan processing by several weeks. I thought that this would be a one time issue since I provided all of this documentation to Experian but today I have another reason to request a temporary lift of my credit freeze and again, Experian is the only credit agency that will not recognize any of my information and requires all documentation in hard copy mailed to their location. This is only 1.5 months since I last did this and I still have my confirmation PIN from when I set up the freeze with Experian on XXXX XXXX XXXX. 
I believe Experian is making the process more arduous to discourage individuals from utilizing the credit freeze system. I believe this is because I am not Experian 's customer, their customers are the agencies looking for credit information and my putting a freeze in place could take away from Experian 's business. The Consumer Finance Protection Bureau should ensure measures are in place that credit reporting agencies are responsive to individual requests for temporary lifting and subsequent securing of a credit freeze.
Product: Credit card or prepaid card

I have been a credit card customer of Citibank for around 15 years, and my credit score is excellent. Then, on XX/XX/XXXX and XX/XX/XXXX of 2022, I just received different emails from Citibank telling me that my credit cards were closed without providing any additional explanation or period to solve any issues. 
My complaint is that Citibank did not provide me with a warning period to keep my credit cards open ( one of them was my oldest credit card on file and closing it had a negative impact on my credit score ). Also, I am complaining because Citibank did not provide any explanations for closing my accounts.
Product: Debt collection

My identity was stolen on or around XXXX XXXX, XXXX. It was used to acquire a loan or furniture from XXXX in the amount of {$4500.00}. I attempted to work with XXXX to make them aware that the account was indeed fraudulent, but they refused my police report because I would not send them a copy of my credit report ( I did not want them to have my personal information in the first place, they are not a trustworthy company and I do not want them to have my personal information ). I then contacted XXXX and gave them the evidence that they asked for ; XXXX then deemed the account fraudulent and removed it from my report as did XXXX and XXXX. Ever since the fraudulent account was opened I have been harassed by XXXX, up until XXXX of XXXX when XXXX sold my account to a collection agency who has now begun to harass me. The collection agency, Procollect Inc, has now added a collections account to my credit report.