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

XXXX  XXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX/XXXX  # XXXX Not my account. Please Verification and Method of Verification. 

XXXX  XXXX  XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX/XXXX  Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my Hippa Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on Equifax, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX  XXXX  XXXX  # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX  XXXX  XXXX  # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX  XXXX UNIVERSITY # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.
Product: Debt collection

Company calls from multiple numbers, multiple times a day. Today XXXX from XXXX 3 times, XXXX once, yesterday from XXXX and XXXX yesterday and the XXXX. I have multiple other dates of multiple calls per day exceeding 7 calls in 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.
Product: Credit reporting or other personal consumer reports

My information has been entered in a data breach so thats when I instantly noticed there was something ins my credit that I did not authorize nor was I was aware of. There are multiple inquires in my credit report I know I did not do and a few accounts that dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the early evening of XXXX EST I called Equifax to create an account. After 3 attempts of not being able to move forward in the personal information segment : not accepting my name that is on my credit card or the billing zip code. I thought that was odd as that has never occurred previously. I called Equifax customer support and spoke with a rep and she informed me that I had made too many mistakes and ended up freezing the screen. I did not inform her that I actually closed out the website twice and cleared the " cache '' just in case. I told her I wanted to subscribe to the Equifax Complete plan and said that she could activate from her end. I purposely interrupted her to inform her that how can Equifax put the {$1.00} on my card without being able to verify my name. She did not have an answer for that question, however, I did let her continue. She pitched the Equifax XXXX XXXX plan and said that I would be able to access my credit scores and reports from all 3 agencies. So I allowed her to set me up with the Equifax XXXX XXXX plan. She informed me that she would send me an email with the link to access my account and then create a new password. So I got the email clicked on the link and followed the instructions, however, I was not lead to my account page but rec 'd this msg. : " At this time we are temporarily unable to complete this request please try again later ''. So I did. After the fifth time I called the same number with no response. I did not get any email saying that an account was successfully created or a member ID number and now I have a {$19.00} charge pending without accessing the account page.
Product: Vehicle loan or lease

XX/XX/year>, I called NCB Management Services and was made aware of a debt of {$14000.00} that I do not have or was aware of, and spoke with supervisor named XXXX making her aware of this situation.
Product: Credit reporting or other personal consumer reports

I have submitted several documentst welfargo in regards to this loan
Product: Debt collection

I went to XXXX XXXX located on XXXX XXXX  to XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX, inquiring about a tooth extraction. After being quoted a price that I felt was too high, I told the account specialists that I would go to a place less expensive. She then proceeded to tell me that I actually had credit owed to me from my previous porcelain crown procedure with XXXX XXXX, that would cover the cost. So natural I agreed to the tooth extraction since I wouldnt owe money. After the procedure was complete I double checked with the lady about a bill and she told me everything was covered. I believed her and left. Some weeks later I received a call and a voicemail was left from the same account specialists stating that she apologize because she had misinformed me. She stated, the credit she told me about could only be used at the XXXX XXXX location that I had the porcelain crown procedure done at and that I needed to come in and make a payment. In my mind that didnt make since because it was the same company. So I refused to pay. I had moved prior to the tooth extraction so I never received a bill. I get emails from XXXX but I never received an email about a bill. Some years went by and last year I notice that a collection was on my credit report with XXXX XXXX being the original creditor {$390.00}. Im not sure if this amount is after my insurance paid its portion. That will need to be investigated also. So I reached out to them by going to the location that I had the tooth extraction. There is a new account specialists named XXXX XXXX that I spoke to. She was professional and helpful. XXXX XXXX pulled up my account and agreed that I owed nothing because the credit that I had was applied to my tooth extraction. Then I explained the situation more to her so she investigated the account a little deeper and saw the problem. Then miss XXXX informed me that I was told wrong twice. She said that the credit was not owed back to me and it wasnt a credit that I could use at the location of my porcelain cap procedure, but instead it was owed back to my insurance company. My heart dropped upon hearing this. She stated bills had been sent out. I explained I had moved prior to the tooth extraction and any bills that were sent were never forwarded to me. I pleaded with her since Im technically the victim here of misinformation or a bait and switch move, could she allow me to pay the bill right now and then remove me from collections. She asked her XXXX XXXX and the XXXX told her, no she will not have it removed if I should pay the bill. I have recorded voicemails from the company admitting to misinforming me and mishandling the funds. I do not have a date because I didnt receive any paper work, letters or no receipts because I was told I owed nothing XXXX  she not be allowed to keep this on my credit file. No professional company would, in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 
XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX BANK Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX  XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Under XXXX XXXX Code XXXX permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are likely fraud as I don not recognize them this information is wrong please remove from my report.
Product: Debt collection

am writing to formally file a complaint against UNIFIN for their violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692c. This complaint concerns their handling of an alleged debt with the reference number XXXX. 

Details of the Violation : Collection Agency : UNIFIN Reference Number : XXXX Debt Amount : {$1300.00} Description of the Violation : UNIFIN has engaged in actions that violate USC 1692c, which governs communication in connection with debt collection. Specifically, they have : Contacted me at times and places I have clearly indicated as inconvenient. 

Persisted in communicating with me after receiving a written request to cease further communication. 

Disclosed information about my debt to unauthorized third parties, which is a breach of confidentiality and privacy. 

These practices are unlawful, distressing, and violate the rights afforded to me under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # : XXXX**** ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX
Product: Debt collection

NEW CITY FUNDING KEEPS PUTTING THIS ON MY REPORT WHEN THIS WAS MY MOTHERS CAR. At the time she got this car I had my permit, and I never agreed to be a co signer I agreed on being someone they will call if she doesnt pay her bill. I just got my liscense in XX/XX/2018 this car was taking out a year before that, Ive contacted them multiple times telling them this and they tell me theirs nothing I can do but take my mom to court and Im telling them I never signed any documents and even so I didnt have my liscense so how could I be a co buyer. What further action can I take now becaus this isnt my responsibility and its affecting my credit!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently learned that I am a victim of a data breach, and unauthorized access to my personal information has led to the reporting of fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$10000.00} Unauthorized Inquiries to be Investigated : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to reopen an old account that had a balance on it, it has been taken over time and time again by every debt collector there is but none would correct errors and a majority of the records do not even exist anymore making it impossible to recreate and/or prove or disprove anything on the account, but because it is over the reporting time on the credit report XXXX  XXXX will reopen it with a balance to make it look like it is still active, many times for a month, then report that a payment was due and it has an active balance, I have asked on many occasions to have it removed and then it will show active again, both XXXX  XXXX and Experian are guilty of not removing this according to the law.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP !!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Vehicle loan or lease

I won't have my car payment until Friday. I have asked CarMax Financial to please hold off on trying for repossession of my car until Friday. I get paid this Friday and can make my payment. They said no and put out a repossession for my car. I was out of work and diagnosed with a XXXX XXXX This put me behind. I will get caught up and stay caught up if they give me this XXXX last chance. I really really need my car.
Product: Vehicle loan or lease

Flagship Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission Fraud Report number : XXXX Settlement Demand : Due to your actions, the Plaintiff is requesting a settlement payment of {$46000.00} to be issued via check and mailed to the address listed below. This proposal is intended to resolve this matter amicably and avoid litigation, remaining valid for a period of 14 days from the Effective Date. I assert that this amount is justifiable, considering the severity of the violations that have occurred over the past XXXX years. 

In light of recent developments, If necessary, I will pursue legal action for Tax & Security Fraud. Moving forward, my estate will assume responsibility for this accountXXXX. Should this matter remain unresolved by the CFPB, I will escalate my complaint to the OCC, and subsequently, I will report/whistle blow to the Securities and Exchange Commission if this situation is not addressed in a legally compliant manner outside of the court system. 

See XXXX Attached Exhibits Flagship Impending Litigation Correspondence - Thank You In Advance.
Product: Debt collection

In paying off my XXXX XXXX student loan I mistakenly overpaid by {$6500.00} on XX/XX/XXXX. I immediately called customer service and they told me they would reimburse me in the amount as soon as possible. I waited for the check to be mailed but to no avail. I called over and over again to AES and AES gave me the same response as to why it wasn't mailed. They repeatedly told me they didn't have the updated address for me which is not true. I called them repeatedly and gave them my new address which I moved to on XX/XX/XXXX ( temporarily ) and XX/XX/XXXX ( permanently ). This back and forth has been going on since XX/XX/XXXX. At the end of XXXX they mailed me the check and the very next day they rescinded it.
Product: Debt collection

Jefferson capital llc put it back on my credit report I have never done any business with jefferson capital period its a couple year old closed XXXX account
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, i.e., the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. to the Following Companies XXXX ( XXXX XXXX  ), Capital One, XXXX XXXX ( XXXX XXXX  )
Product: Debt collection

File # XXXX, World Finance XXXX I have written and requested proof of this debt and nothing has been provided, this was done several times over 1 year ago, 6 months ago, 3 months ago. It is illegal to keep reporting this debt on my credit report and not provide the appropriate information. I want this removed from all credit reports XXXX, XXXX, XXXX. I will be checking my credit reports and also any secondary reporting that has been made. I have given more then enough time to have them resolve it but it is effecting my ability to do anything.
Product: Checking or savings account

On XX/XX/XXXX I received a solicitation from Capital One Bank advertising their 360 Performance Saving account. Capital One Bank offered a {$500.00} bonus for opening a new account provided the new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and I maintained that Deposit Amount for 90 days. I opened an account on XX/XX/XXXX and made a {$50000.00} deposit on XX/XX/XXXX. I maintained this deposit for 98 days, withdrawing my money on XX/XX/XXXX. I have not received my {$500.00} bonus. I called on XX/XX/XXXX to track down my {$500.00} bonus and was told that I don't qualify. Here is the exact wording from their offer : '' How to earn it : Open a Capital One 360 Performance Savings account using XXXX XXXX XXXX to earn one of these bonuses : {$100.00} bonus The new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that Deposit Amount for 90 days. {$500.00} bonus The new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and you maintained that Deposit Amount for 90 days. {$1000.00} bonus The new money deposited from an external bank during the Initial Funding Period was more than {$100000.00}, and you maintained that Deposit Amount for 90 days. You must deposit the required amount from externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). '' Funding Period ). Their position is that the 90 days does not start until the end of the funding period, but their written offer states during the funding period and maintained for 90 days. It is misleading to state " during the funding period '' if your intention is really the end of the funding period.