23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 an associate from XXXX XXXX called my workplace instead of my cell phone. When told that I was with a client, associate preceded to tell my manager details of my account delinquency and payment arrangement. Spoke with supervisor who could be heard in the background stating that she is 'unavailable '. Spoke with manager who's office my account is in. Manager locked my account with notes stating to call my cell phone and not my workplace. Same young lady called my workplace again on XX/XX/2019. Spoke with a different associate at my workplace and gave personal information again about my account and payment arrangements.
Product: Credit reporting 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. 

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

In an ongoing issue I informed EQUIFAX that there were inquiries on my credit report that I was not aware of. I initially disputed the inquiries online. EQUIFAX stated that they contacted the creditor and that the creditor verified the inquiries. I informed EQUIFAX that an application for credit can be initiated by anyone who is in possession of the corresponding information. I, along with the other authorized user, proceeded in freezing the account to discourage unauthorized use. My first correspondence is dated XX/XX/XXXX and my last correspondence is dated XX/XX/XXXX. The inquiries remain on the credit report and presently hinder our commercial activity. I have been notified by local authorities that a police report is not warranted at this time. EQUIFAX is in violation of section 605B of the FAIR DEBT COLLECTION PRACTICES ACT. I should not have to wait for inquiries to be taken off of my report over time when there are questions as to who initiated the inquiries. Please remove the inquiries immediately.
Product: Credit card

I have a Klarna XXXX XXXX  XXXX account. I have XXXX in purchasing power but they keep declining me when they send me Adverse Action letters there blank.I have contacted Klarna 4x and they all just say the document is not blank and they have no information to provide. When I asked Klarna for a higher contact or an address I was told no.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting or other personal consumer reports

There are inaccurate charge-offs and late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer credit report. Since this charge-off and late payments represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Credit card

I had a kolhs card that changed into a general credit card to capital one during this process which I never agreed to I was contacted by capital one telling me of a ballance due. I didn't recognize the amount so I asked for my statements to be mailed to me. The next statement I received had fraud I called capital one and told them that I didn't make those charges. Also that I needed the XXXX prior statements to check for fraud on them as well. The fraud representative was very mean and told me that I made those charges and even after I said they where made in a store in another state he continued to question my claim being very rude. I never have received any of the prior statements. they have contacted me again regarding payment due and i simply stated that I had fraud on my account and need the prior statements to confirm there isn't anymore fraud and to have them mailed to me and until I can check those I will not make payments to them for fraudulent charges.
Product: Credit reporting or other personal consumer reports

I am writing to dispute illegitimate auto credit accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any AutoCredit accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( Experian, XXXX, XXXX ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting ITEMS as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable ITEMS and delete them immediately in my 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.
Product: Payday loan, title loan, or personal loan

I have not been able to access my account to make payments or change payment information. I have contacted the company several times with a promise the technical support would call me to fix the problem. I have never received a call from technical support. This is not an issue with my password or user name. This is a technical problem with their website. Once I log in, the account link reroutes to a page to apply for a loan instead of to my existing account. 
Most recent phone call to have this issue fixed : XX/XX/2021 at XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX  - XXXX - XX/XX/XXXX - {$6300.00} XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$20000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5300.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$9700.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Documentation was sent to XXXX to remove the XXXX late day posted in XX/XX/XXXX. At that time I was on the SAVE program and was not required to make any payments. Also my student ; oans were forgiven in XXXXXXXX XXXX XXXXXXXX by the government so there should have been no late payments posted to XXXX at all and they will not remove them immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXhis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXX on XX/XX/2016 Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transition being reported. My social security number is an open ended credit plan. 
Pursuant 15 USC 1692g I'm the original creditor, natural person, private individual of this account. 
15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. 
XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from a consumer report. 
My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without consent it is Identity theft. 
XXXX XXXX have violated my rights as a Federally Protected Consumer several Federal laws under 15 USC 1692 & 15 USC 1681 have been violated.
Product: Credit card or prepaid card

Keep getting text messages about paying a bill on a credit card I never received nor activated. 
Text messages say they keep missing me via call but I dont receive calls or voicemails only test messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Product: Payday loan

I applied for a loan of {$1000.00}. I was advised of {$250.00} in finance charges- I was not aware of the finance charge being charged repeatedly and not applied to the loan. I have now paid {$500.00} and my loan balance is still {$1200.00}. I am not able to see the terms of the loan on the website for verification, I am not able to see the repayment schedule, I have XXXX information, beyond " early payoffs are not penalized! ''
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent a money transfer in the amount of {$1200.00} through moneygram to a relative in XXXX. Moneygram debited the funds from my bank account within 24 hours. However, the receiver was not able to pick up the money. After contacting a moneygram employee via telephone they stated that the transaction was under the review and that they needed to speak to the receiver. I decided to send the money through XXXX XXXX instead on XX/XX/2022. That same day on XX/XX/2022, I called moneygram to request a cancelation of the money transfer. Moneygram stated that they needed to speak to the receiver in order to cancel the transaction first which seemed odd and in contradiction to their cancelation policy on their website. On XX/XX/2022, the receiver contacted moneygram in XXXX and stated that he did not want to receive the money from me, the sender. The moneygram employee asked for his email address to supposedly send a confirmation which never arrived. Several hours later I contacted moneygram through a chat window on their website to cancel the transaction because the moneygram website would give me an error when I tried to cancel online stating that I needed to log into my account although I was logged in. The moneygram employee gave me the same generic information that the transaction was under review and that they needed to speak to the receiver so that the money could be paid out. I again stated to the moneygram employee that the receiver had already called and spoke to moneygram stating that he did not want to collect the funds. I again requested a cancelation and refund of my money. The agent gave me a telephone number to call moneygram again. It appears that this company is acting in bad faith and deliberately refuses to process the cancelation of my money transfer and is sending me in circles and providing me with inaccurate information from what is listed in their website with respect to their cancelation policy. I am filing this consumer complaint in order to obtain a cancelation and refund of money that moneygram debited from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

total billed {$1000.00} just an estimate XXXX XXXX insurance paid {$270.00} supposedly I have to pay {$140.00} + {$120.00} XXXX XXXX XXXX account XXXX, was suppose to charge me {$1500.00} for all the XXXX work including a XXXX XXXX  and 4 treatment of XXXX XXXX. This XXXX XXXX   made my XXXX worse, both the XXXX and his assistant nurse who also does billing flat out lied to me. They said they would adjusted the rates most of the funds would be billed to the insurance company. After I complained about how he cause so much problems doing the XXXX  XXXX, I told him I am not going to have anymore treatment t. The XXXX ramble on saying I need more treatment. I paid {$100.00} to a XXXX balance ... the XXXX office charged me extra {$240.00} bring the bill to {$340.00}. Which was put on my credit report. After two years, I had several XXXX XXXX and my XXXX are find now. I tried calling the XXXX company explaining I have a XXXX balance and since the XXXX  cause so much pain, listening to the XXXX lies and about healthcare ... I got a second opinion for another XXXX, which had to XXXX several XXXX, and now my XXXX are healthy. All this XXXX was good for taking advantage of me and insurance company. XXXX XXXX XXXX to me is a good scam artist and he can say anything he wants ...
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Experian, XXXX, and XXXX were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX. According to the Administrative Procedures Act we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. Experian, XXXX, and XXXX sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that Experian, XXXX, and XXXX in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of XXXX. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.
Product: Debt collection

On XX/XX/XXXX I wrote to LVNV funding requesting debt validation on the alleged debt, that is reporting on my credit file. They responded with a bill, not validation of said debt. Upon looking over said bill, it stated that a payment was made on this said debt, which is untrue. I have never made a payment on said debt, because I was not aware of said debt until XX/XX/XXXX so how could I make a payment on a debt that I didn't know existed until XX/XX/XXXX. They continue to report inaccurate and untrue information on my consumer reports, which is hindering me from buying a home and auto. They did not honor my request in validating this debt. A bill is not a validation of debt.