23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am four years out of XXXX  school, with about {$190000.00} in student loan debt. XXXX   XXXX  cheated me out of my entire direct loan rebate in the following manner : Using XXXX XXXX XXXX online payment app on XX/XX/2018, I was for the first time presented with the option to " Target Specific Loans '' -- without any warning, fine-print or otherwise, of any potential pitfall of doing so. Grateful for the chance to target my highest-interest loan ( XXXX by default targets the lowest-interest loan ), I allocated my entire minimum payment ( {$240.00} ) towards that loan. In XXXX, I received the first of several letters and e-mails from XXXX XXXX, stating that I was delinquent, had missed payments, and therefore that my direct loan rebate was irrevocably lost. On XX/XX/XXXX, I made an extra payment of {$320.00} in an effort to make up any alleged delinquency, so that XXXX might restore my direct loan rebate. 
I called XXXX on XX/XX/XXXX, requesting that my XX/XX/XXXX payment be reallocated to remedy any delinquency, and that my direct loan rebate be restored. The XXXX representative advised me that he had succeeded in reallocating my XX/XX/XXXX payment, and that he would speak to his superiors about getting my direct loan rebate restored. On XX/XX/XXXX, I called XXXX again to complain that my direct loan rebate had not been restored. The representative told me that it could never be restored. 
I can not be the only student borrower who has fallen into this trap of attempting to target a minimum repayment to the highest-interest loan without any advisory from XXXX XXXX of the perils of doing so, and then irrevocably losing his direct loan rebate, even though he did not, in fact, miss a payment, pay late, or pay less than the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently a discharged bankruptcy is being reported by XXXX and Transunion after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX 2011.
Product: Debt collection

I had listed a sofa for sale on XXXX XXXX, but ended up selling it off line to a used furniture dealer. Meanwhile, a prospective buyer, wanted to buy the sofa online, and I notified him that the sofa was no longer available. I never received XXXX XXXX from the buyer, and he received all of his payment back from XXXX. 

Now this AIC collection company is trying to collect what would have been owed IF there had been a sale, which there never was. 
XXXX spoof has been notified, and says my account is in good standing and that I owe nothing. This is obviously a scam and I have discovered many other people have also been scammed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought shirt online. Returned shirt. Never properly credited. Late fees on an amount I did not owe went up to {$280.00} from {$30.00}. I never owed them anything. Transunion refusing to remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX - XXXX - XXXX - {$500.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, currently showing inaccurately on my report filed with your credit bureau. Pursuant to XXXX XXXX XXXX ( i ) ( XXXX ), I am requesting that these disputed items be removed permanently from my credit report immediately. This statue states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. As your agency has failed to send me proof of verification these accounts belong to me violating my rights. Please help me get resolution and correct my credit report by removing the disputed items as stipulated by the Fair Credit Reporting Act.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX 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: Credit reporting or other personal consumer reports

I have not supplied proof undeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
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. 

Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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 XXXX 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

I requested the debt to be verified two times ( XX/XX/XXXXXXXX XXXX XX/XX/XXXX ) by submitting a dispute. The dispute was closed and the collection still remains on my credit report. The requested information was never provided.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Debt collection

Chrysler Capital keeps calling daily even though they 've been told that I DO N'T owe any outstanding debts. If I owe a debt, then send me the paperwork, which of course they wo n't. I told them if they continue to harass me I was going to fie a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, XXXX RE : Cease and Desist Collection Activities Account Number : # XXXX Dear : LVNV FUNDING LLC, This letter is formal notice under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated. 
That you may pursue specific legal remedies. 
That legal action will be taken against me. 
Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office. 

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I lost my debit card and informed USAA. After that someone was depositing and cashing fraudulent checks with my account. USAA held me accountable for the debt without telling me why. I have been trying for months to get a straight answer and all I get is to be out on hold for hours and then no answer or resolution. I have requested a copy of the investigation and still none has been provided. They have since reported me to early warning system. Due to the lack of assistance my family paid the debt and its been over two weeks and they still have not lifted the hold with early warning system. This hold is making it so I cant open a checking account for direct deposits. In 1 week I called USAA 3 times and got put on hold and no resolution.
Product: Vehicle loan or lease

am a victim of both the XXXX and XXXX data breaches. I have experienced frequent fraud accounts since! If these accounts are not removed immediately, i will be filing litigation against all 3 credit bureaus ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I submitted a dispute with Equifax Information Services on XXXX XXXX, XXXX for a collection account with XXXX XXXX XXXX in the amount of {$570.00}. The account was in error, as XXXX XXXX XXXX had billed me for services that they never rendered. Equifax removed the information from my account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Equifax reinserted this account on my file for {$570.00} under another company name XXXX XXXX XXXX. This was done dispute receiving sufficient information from me to show that the account was submitted in error. I disputed the account with Equifax to which they did not remove the account from my file.
Product: Credit card or prepaid card

I received a letter dated XXXX XXXX ( as attached ) from Wellsfargo saying I own money to XXXX 's XXXX ending XXXX. In fact, I paid off all balances on site ( right after each purchasing by using the card. I have not used this card for years, and I have never received any card statements either via mailing or electronically for years. in the afternoon of XXXX XXXX, I visited Wellsfargo XXXX and at the branch I called the number listed in the letter - XXXX - XXXX and asked for all details but with no answers. Then I was told by a banker that 1 ) the card was closed/expired and 2 ) I paid the card {$10000.00} on XX/XX/2022. I could not find any records paying this amount, and I am attaching my XX/XX/2022 bank account statement, this account is the only payment method I can think of. And the banker asked me report this financial fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with XXXX XXXX. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired from [ XXXX, Transunion, XXXX  ], I noticed an inquiry made by : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX SD XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. <P/>I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. <P/>1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. <P/>2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. <P/>3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. <P/>4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. <P/>As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved. <P/>If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them REMOVE/DELETE the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. <P/>Please send me a written confirmation that you have complied with my requests. <P/>Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Credit card or prepaid card

I made a XXXX payment to capital on bank for a credit card on XX/XX/2021 to cover XXXX months of payment for XXXX and XXXX and they said i missed a payment when it was did XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My person info was used for opening a credit card at US BANK in XXXX of XXXX, which I found out in late XXXX only when I was applying a XXXX XXXX associated credit card at XXXX XXXX  when I was refused because low XXXX score. That card was charged > {$7000.00}. I was in debt for that amount and US BANK went to a court file a bankruptcy resolution for me and dropped my XXXX score so I could not be allowed to have a credit card. 

I spent more than a year to struggle with US BANK to have this clarified and I finally got a letter from them stating that I was released from the debt. However my XXXX score has not changed. A year later I called them again. The person answered the phone from US Bank asked my address saying she was the one responsible to clean my XXXX  record and would let me know if the correction was done. Instead she sent me to collection agency : XXXX XXXX XXXX XXXX. This agency has been sending collection letters to the address ( my work place, a XXXX, I am a XXXX  ). I believe that the Bank or its employee is actively participating in using personal information to steal money from the system. 

When I spoke to the Bank asking them to report my case to FBI or police for a crime investigation, I was told not need to do that. I feel that they are the ones stealing. 

I am an XXXX  of XXXX, they are obviously taking the advantage of aging people. Filing bankruptcy on them will be less likely found out since at this age they don't borrow credit for buying things, and already have many credit cards. With their limited life expectancy soon these events will be burry deep forever. 

This is intriguing crime. The Gov need to investigate to keep the peace of the society.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that it has multiple accounts listed that I've never been associated with. I've never applied for such accounts, nor have I given anyone my information. I've been a victim of identity theft and i would like these accounts removed immediately. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1100.00} Acct # : XXXX XXXX  XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$29000.00} Acct # : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$1400.00} Acct # : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$1000.00} Acct # : XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$200.00} Acct # : XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, I requested for Experian to investigate the accounts on my credit report that I didnt authorize. The problem is the accounts is still remaining on my credit report after the investigation was completed. Im a victim of Experian credit account neglect and Experian have done nothing to remove those accounts from my credit report after I have been in contact all form of ways with them. All the disputed and investigated accounts need to be removed immediately.