23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$67.00} XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$850.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX )XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX L ( Date Opened : XXXX. XXXX, XXXX, Balance : {$360.00} XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2400.00} XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$900.00} ), XXXX XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$440.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXX. XXXX XXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open
Product: Debt collection

Hello on XX/XX/year> I went to court with Midland credit management for an amount of {$1600.00} on this date. The judgment, according to the court and the representative of Midland credit decided that I had no ability to pay per the state of Massachusetts and the XXXX XXXX. At this time I was assured that I would not be contacted by Midland credit in regards to the debt, And if the time came where I had money to pay the debt I would be able to buy contact in midland. Today, XX/XX/year> I received a A bill from midland credit management to collect on the debt of XXXX. The letter Also mentions Wage garnishment. It. 
Also misrepresented the judgment that took placeon XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Debt collection

We moved out of our apartment on XX/XX/2018 and we were supposed to get a final all bill by email but never did receive it. After contacting the original company by email requesting the final bill as we never re eived it, they informed me that the bill was sent to an old address on file and that the person who was supposed to send us the final bill whose name was XXXX XXXX never emailed it and also she is no longer with the company. The property manager XXXX XXXX informed me of this XXXX email. She then emailed me a final bill with incorrect charges and overbilling. When I disputed the charges, she refused to help fix the situation and sent this account to collections damaging my perfect credit and any chances of me obtaining a house. They never emailed me the final all bill within 30 days and they purposely sent the bill to a wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!
Product: Mortgage

To whom it may concern, this letter is to explain what M & T bank is doing to my credit file. On XX/XX/XXXX when congress made the Covid Relief Plan we took the forbearance on my VA Home loan. On XX/XX/XXXX I contracted M & T bank to start making payments. M & T bank approved our 3 month trial. We made our first payment on XX/XX/XXXX. So after M & T gave me a letter stating that at anytime and for any reason they can foreclose on my home. I talked it over with my wife and decided to sell the house. We sold it on XXXX XXXX funds were sent to M & T bank on XXXX XXXX at XXXX threw title company XXXX XXXX XXXX M & T bank decided to state on ALL XXXX of the credit agencies that home was paid after foreclosures processing had started on XX/XX/XXXX. As you can understand this causing me stress and they are defaming my name.
Product: Payday loan, title loan, or personal loan

I applied for a {$5000.00} loan online and I've been speaking with someone named XXXX XXXX who claims to be from Prosper. However, he wants me to get him {$1900.00} dollars worth of XXXX gift cards after depositing {$1900.00} in my account. This was somehow to get me the {$5000.00} that I applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, XXXX a collection account has been falsely reporting on my credit report by your office and you are being held responsible from here on. I have the right by the credit act to dispute wrong inaccurate information hurting my credit report coming from XXXX XXXX XXXX By 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 
( b ) Reasonable procedures. It is the purpose of this title to require that con- sumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since
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 USC 1681.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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

This collection company keeps on contacting me trying to collect a debt that i do not owe. It is impacting my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal  law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX am a victim of identity theft please remove the fraudulent inquires from 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
Product: Payday loan, title loan, personal loan, or advance loan

The title company repossessed my car and sold it for a very low price. It was not a reasonable price. It couldve been sold for twice the amount. They wouldnt take my payment 3 days late and wanted me to pay 3x the amount due. I tried numerous times to pay what I could before the repo.
Product: Debt collection

Several attempts have been made to clear this debt that this company has listed as opened and past due car was totaled out and repossessed by insurance and gap insurance coverage and company has refused to close making negative marks on my credit since 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

~In XX/XX/XXXX, I submitted a request to have deletion of unverified information removed from my account ~XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information was reinserted on my credit report and I had not received any correspondence from Experian or the reporting creditor, so I sent a complaint to Experian regarding the reinsertion AND I filed a complaint with the CFPB. 
XXXX XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Experian had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. 
Thank you for your time and assistance with this matter..
Product: Debt collection

Company/Creditor Maury Cobb attorney at law, XXXX, AL XXXX sent first letter XXXX XXXX, says respond by XX/XX/2023 ; however, on XX/XX/2023, they had reported a negative derogatory mark on my credit file, didn't give me the opportunity to respond, tarnishing my credit report. 

The name on my credit file is Amsher Collections, out of XXXX, AL XXXX XX/XX/XXXX, I sent certified letters to both agencies creditor disputing this information, also I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to that creditor. 

I waited 30 days as per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and they sent some computer printout copies of the itemized statement. 

They failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Also the company is using two names one to correspond via mail, and the other to mark on my credit file. 

I sent a second letter to this creditor, and they have not responded to the second letter and it has now been over 30 days as per the coreFair Debt Collection Practices Act and the Fair Credit Reporting Act. and still see an adequacy derogatory mark on my credit file.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five inquires on my credit report that I do not recognize the inquires include on date on XX/XX/2018 from XXXX XXXX/XXXX, On XX/XX/2018 come XXXX XXXX/XXXX, on XX/XX/2018 from XXXX XXXX/XXXX, on XX/XX/XXXX, XXXX/ from bank of America and on XX/XX/2018 from XXXX these five companies have inquired on my credit report without my permission
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Original Creditor : XXXX The account labeled as XXXX  with Account # : XXXX is not mine, and I respectfully request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX  opened XX/XX/XXXX amount {$440.00} 3 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$420.00} 4 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 ) DEPT OF ED/ XXXX opened XX/XX/XXXX amount XXXX
Product: Vehicle loan or lease

After filing one complaint against XXXX XXXX XXXX, I am now complaining about how Capital One Auto Finance is handling my payoff to XXXX and generally, my new account with Capital One. Weeks after telling me they have sent a payoff to XXXX, nothing has happened, except that now I have not one, but two car payments due in XXXX. 
The delay is costing me money in interest on my XXXX account, but also it is an outrage that I am still seeing payments to two separate companies for the same car in the same month, a total of approximately {$380.00}, with the first of the two payments ( to  XXXX XXXX still showing due on XXXX. 
I can not understand or accept why sending a payoff check and crediting it to my account can be so difficult.
Product: Debt collection

Company continues to report false and inaccurate information to the credit bureaus and will not provide proof is such debt as by way of a debt validation letter that has been asked for numerous of times. Continues to threaten legal action and repeated calls
Product: Credit reporting or other personal consumer reports

Dear Experian I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair credit report act whenever a consumer report agency compares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to re-investigate these accounts listed below because XXXX XXXX XXXXXXXX ] Date of last reported is not correct, Date of last payment is unknown. Also its many discrepancies with incomplete payment history. This account is not accurate. 

Furthermore, I was told by XXXX that this debt has been sold to a third party, which, according to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), means that if this was my debt, I would no longer owe this debt to the organization. In addition, the issue of consent regarding information under the Fair Credit Reporting Act ( FCRA ) 1681b, selling personal information without explicit consent is illegal. I have not authorized the sharing of information, and any actions taken to do so are in violation of my rights. 


XXXX XXXX XXXX Date of last payment unknown. Date of last active is inconsistent with other bureau. The past due is inconsistent with other bureau. In addition, I do not have a contract with this company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, selling personal information without explicit consent is illegal. I have not authorized the sharing of information, and any actions taken to do so are in violation of my rights.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit card

I have a XXXX Credit Card and make my monthly payments online. However, for the past months, every single time I make a payment online, the transaction goes through and then there 's a " payment reversal ''. I 've contacted the credit card company to inquire on the reason why this happens and they can not give me XXXX. They 've made up different excuses as to why the payment is reversed and the common one is blaming my bank that they do not process the payment. However, I 've contacted my bank and they have not received any transactions from this company. Another reason is that I do not have the sufficient funds to cover my payment which is UNTRUE. I make my payments on time and sometimes before the due date and by more than the minimum, but they return them. This results in reporting a negative report to the credit bureaus and the reason I got this credit card was to re-establish my credit after a bankruptcy. I 've tried working with them in resolving this matter but nobody can help and I just get the run around. The only options they give me is to pay through XXXX XXXX or check but I will have to pay an additional fee that I do not pay through online. I began paying my bill online and did n't have a problem until XXXX 2015 and ever since, every single online payment I make results in " payment reversal ''.