23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1 ) On XX/XX/XXXX  Received an email l from a collector asking to pay their client " XXXXXXXX XXXX XXXX XXXX " {$370.00} 2 ) On XX/XX/XXXX  I requested proof of an agreement signed by me. This was never provided. I also indicated that if they are able to provide the contract in question with my signature, I will honor my debt. 

3 ) XXXX XXXX XXXX XX/XX/, XXXX to me There is a digital contract that was attached.. You know what you signed, and you know that you owe the funds to my client respectfully. This is a courtesy before I place it on your credit and continue to affect your credit for the next 7 years. Keep in mind we report to credit at the end of this week. 

XXXX XXXX XXXX XX/XX/2022, XXXX to XXXX It feels like I am being scammed. You sent me a contract with no signature. I can do the same, send you a PDF contract, and say you owe money. However ; without a signature is non binding. Please provide a signed copy of the contract from the vendor and I will review if I did indeed sign as speculated by the company then I will have no choice but to pay. 


XXXX XXXX XXXX XX/XX/2022, XXXX to XXXX XXXX XXXX XXXX I am formally responding to your contact about collecting a debt. You contacted me by both phone and email Tuesday, XX/XX/, and identified the debt as a signed contract. I do not have any responsibility for the debt youre trying to collect. 



If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that ( contract signed by me ). Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 



Also, please note that I have 30 days to dispute a debt from when I first receive the required information from the debt collector ; which I have not received. 

That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt Thank you for your cooperation. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the Attorney General about this erroneous debt collection from XXXX XXXX XXXX. I had 2 auto loans during the period of XXXX to XXXX and was overcharged and taken advantage of for having poor credit, being charged over 23 and 26 %. I reported this to the Office of the Attorney General and was supposed to be included in a Class Action Lawsuit led by Office of the Attorney General in Illinois and XXXX XXXX was ordered to be the Administrator and they sent out notices for money damages and also consumers would be allowed to keep their current vehicles and others have their past loans forgiven by having their credit reporting be removed. I am a part of the class action and I got a letter from the Attorney General 's Office in CA and have sent them several emails and certified letters that XXXX was NOT removing their collection of over {$13000.00} from my credit report. To this date, it still shows up on ALL my 3 credit reports. I have written to ALL the credit bureau agencies and showed them this letter and they also continue to break the reporting laws and XXXX continues to be defiant and harass me and ruin my life by failing to remove this from my credit reports. I can not get any good decent job for almost 7 years now and I can not buy any decent car nor a decent home with the poor credit. I want money damages for this and immediate removal from my credit reports. I want CFPB to enforce the laws and help me with this!
Product: Debt collection

Have been recieving threatening and rude phone calls saying I owe money on a payday loan that I know nothing about. Said they would put criminal and civil charges on me if I did not cooperate and pay. I told the man I would not pay money until I received a notice in the mail in which I then have 30 days to decide what I want to do. He got very upset about me saying that and said he would add a request to get my license suspended on top of the criminal and civil charges. A few hours later I received a call from the number of the county clerks office and it was a man stating they had received paperwork on my case and I had 24 hours to work things out with cooper hoffman and klein or they would be serving me papers to appear in court. I then called the county clerks office and they told me they had not received anything and there are no males working in their office. Obviously it was a fake call. These people are low life scammers trying to take our hard earned money. They need real jobs instead of trying to take the money I worked my XXXX off for. XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX number XXXX  ( CLOSED ACCOUNT )
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
( List all accounts : ) ''
Product: Credit reporting or other personal consumer reports

Multiple applications for credit cards, lines of credit, auto loans etc. I have been trying get my credit back XXXX where it was and have not applied to any credit service in YEARS
Product: Student loan

I attended XXXX XXXX XXXX in XXXX, MO from XXXX. I received an XXXX. I am now in student loan debt, including Parent Plus Loans, around {$75000.00}. The loan document presentation was completely rushed-it was not explained to me at the time of the student loan applications what exactly I was signing, and when asked for further information, I was told that they could possibly refund most if not all of the loan amount that was being taken out. It was also explained to me at one point when the amount was much higher than before that my previous semester 's tuition was combined with the upcoming semester, which is why the loan amount was so high. I felt rushed, but I was very young and inexperienced. My father also does not remember having the Parent Plus loans explained, and he is a very detail-oriented person. He did not remember signing for the loan, and has since requested copies of the loan documents to be sure that he actually signed for them. I requested time with financial advisors several times during my tenure, and was told that the loan amounts were not very high, and they 'd actually discounted this class or that, etc. Usually blaming it on books, which were included in my loans but cost was astronomical. I was not allowed to choose to go without the books, even though we never used or referenced them. It was all rolled into my tuition and subsequent loans. 

I 'm now a parent and have a relatively good job for someone with an XXXX, but I have a lifelong illness that sometimes prevents me from working, and so receiving sustainable income. I have Navient threatening to sue me and begin garnishing my wages if I do n't settle with them immediately, and XXXX is {$30000.00} worth of loans that are on forbearance and just gaining interest. My parents are paying the Parent Plus loans so it does n't affect their credit rating, and my wife is looking for a XXXX job to try and get a handle on this. We are drowning in this debt, and I 'm not sure how I will ever dig us out of this hole. My wife and I make decent money, and should be looking at houses and schools for our son, but instead we are living in my parent 's basement, paying them rent, and simply making it paycheck to paycheck to try and keep Navient from garnishing my wages. We need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my Loan Depot account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Loan Depot and they have failed to correct it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX  Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Due to hardship during COVID-19, we asked for a forbearance for our loan. Their terms and conditions state : " All unpaid monies are due in full at the end of the forbearance. For example, if your normal monthly payment is {$1000.00} a month and you enter into a 3 month forbearance, you will owe {$3000.00} at the end of the forbearance period. '' This is a predatory practice. America is hurting right now - and we are too. We will be getting XXXX stimulus from the US government, but I have a tremendous decrease in wages and my wife 's business is down also. Her bank for her business just moved two months to the end of the loan - which is fair. But Shellpoint 's practice should be illegal.
Product: Debt collection

ON XX/XX/2024 I RECEIVED A LETTER FROM 2 COLLECTIONS COMPANIES WORKING AS ONE ABOUT A DEBT OBLIGATION THAT IS OWED TO THE DEBT COLLECTION COMPANY LVNV AND RESURGENT CAPITAL SERVICES.I RESPONDED VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX WITH A CEASE AND DESIST LETTER UNDER 15 USC 1692c ( C ). I OUTLINE A COMPLETE CEAS AND DESIST OF ALL COMMUNICATIONS AND COLLECTION ATTEMPTS CONCERNING THIS DEBT / ALOND WITH A REFUSAL TO PAY. FAST FORWARD TO XX/XX/2024, I START RECEIVING ELECTRONIC COMMUNICATIONS OF COLLECTION ATTEMPTS ALONG WITH UNAUTHORIZED ACCESS TO PERSONAL CONSUMER FINANCIAL REPORTS WITHOUT PERMISSIBLE PURPOSE OR MY CONSENT. I OUTLINE AND EXERCISED MY RIGHTS UNDER 15 USC 1692c ( C ) CLEARLY WHICH LVNV AND RESURGENT CAPITAL SERVICES VIOLATED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Request for Removal of Fraudulent Account Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Account opened : XX/XX/XXXX Dear, EQUIFAX I XXXX writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Please remove immediately Thank you for your time and prompt attention to this matter. 

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

I.Q. Data International Inc is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXXXXXX XXXX  XXXX Account number XXXX you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter.Therefore, your response was due on or by XX/XX/2022 Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming account verified but sent no proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have nol made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation . 
As a result of your conduct as described above, you shall promptly delete the disputed Information. Additionally, as per the FRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) [ ( Select one ) modify or delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my malling address listed above. 

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

To whom it may concern : I had a Bank of America credit card since XXXX- with on time payment history for over 14 years. Last year in XXXX - I was visiting XXXX in XX/XX/XXXX when I contracted XXXX-XXXX and due to complications I was admitted to a hospital on XX/XX/XXXX and put on a XXXX on XX/XX/XXXX. I almost died and I was on the XXXX in a XXXX until XX/XX/XXXX and then in an almost vegetative state until XX/XX/XXXX when I was finally discharged from the hospital. Due to this, I missed the 2 credit card payments that were due in XX/XX/XXXX and XX/XX/XXXX. 

Once I was discharged from the hospital- I started making the payments and once I paid the credit card in full - Bank of America closed the credit card account. 

I contacted Bank of America to request them to delete the late payments on my credit report but they refused. I am requesting you to please consider my request- I was not at fault- I have an excellent payment history - I almost died and as soon as I got out of the hospital I paid my debts in full. 

Can you please request Bank of America to delete the late payments on my credit report. 

I am more than happy to provide all the proof of my hospitalization as needed. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

I received the evidence ( s ) { attached dated XX/XX/XXXX  no letter just " papers '' no explanation simply vague production along with that final line on page two ( 2 ) and the contradicting statements made all over that page including Account History [ up to ] XXXX - but wait the next payment date is XX/XX/XXXX  there is a whole lot is unaccounted for therein } necessary to the proving of my allegations, alleged for some period of time now, against Bank of America [ BAC ] related to improper servicing, misapplication of funds, misrepresentations of terms, I will be mailing the first three ( 3 ) pages [ my response ] dated XX/XX/ ( of NEVER AGAIN 's ) out by postage prepaid 1st class US Mail on the XXXX of XXXX. The company has asserted in the ongoing complaint XXXX that " it needs more time '' or that " it's response is in progress ''. Again I represent and assert that is absurd the company is acting and has acted in Bad Faith in each and every instance I have alleged, and the proof has now been procured and is so attached hereto.
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, Experian, XXXX 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) 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.