23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6821 - Privacy protection for customer information of financial institutions U.S. Code prev | next ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation.

( b ) Prohibition on solicitation of a person to obtain customer information from financial institution under false pretenses It shall be a violation of this subchapter to request a person to obtain customer information of a financial institution, knowing that the person will obtain, or attempt to obtain, the information from the institution in any manner described in subsection ( a ). 


This law protects me as the holder of the consumer which is the person ( debt instrument ) and employees at XXXX XXXX XXXX had no authorization or consent from me to report any transactions to consumer reporting agencies and who have not provided the XXXX principles to prove a debt exist. Also theres no such thing as late payments on a loan which was never provided by the financial institutions. Bank dont loan money and the employee at XXXX XXXX XXXX proved this. I do not consent to have information reported on the deceased person where they are coercing against my will to be surety for debt. Theres no law which proves that late payments exist. How can a dead person be late on making payments?
Product: Debt collection

To Whom it May Concern : I am writing you regarding a {$1300.00} collection fee attached to a tuition bill for XXXX XXXX XXXX XXXX XXXX XXXX for my son _______. My son attended the Vocational Independence Program ( VIP ), a special education transition program for young people with XXXXXXXX XXXX XXXX. He attended XX/XX/XXXX through XX/XX/XXXX, when the program was discontinued by XXXX during the pandemic shut down. 
The tuition for the program was being covered by a program of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). At the end of each month the fiscal intermediary handling my son 's case, XXXX XXXX for XXXX XXXX ( XXXX ), would receive an invoice and pay the monthly bill. The collection agency wants to enforce an unjustifiable exorbitant collection fee and slap my XXXX son with a bad credit rating. 

I have a timeline of email contacts, and supporting documents, from the first contact I received from the bursar in XX/XX/XXXX, through this summer. I have been in constant contact with the collection agency and RCIL attempting to resolve if there was still money in the budget to cover the remaining balance, so that I would know if I needed to pay out of pocket and could settle this matter in a timely fashion. 

In a typical collegiate situation, the bill is in the students name with the assumption that student is developmentally capable of understanding responsibility and perhaps even the finances as they are attending a degree program. However, it should be noted that this aforementioned program was not a typical college program. It was a program for young people with XXXX, to teach them the necessary skills to be able to live as independently as possible and be productive members of the community. After finally getting word from the fiscal intermediary that they did not have any more funds in his budget to cover the final balance, I did pay off the XXXX tuition remaining in two increments of {$2500.00} in XXXX. My intention was to get this request email to them then, but my son then became sick with XXXX, with my daughter becoming ill just on the heels of his recovery. Students who attend these programs dont have bank accounts or credit cards and are just learning how to handle basic financial transactions. Therefore, I think it is justifiably unfair for my son to be penalized with the bad credit rating. I am contesting the collection fee, as they are well aware of the situation and request it be dropped and my sons name remain clear.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX Account XXXX : XXXX
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2022 {$150.00} AMSHER COLLECTION SERV XXXX XX/XX/2022 {$210.00}
Product: Debt collection

I originally owed money from XXXX XXXX for a personal loan in the amount of {$2600.00} plus a pay day loan of {$250.00} for myself and another payday loan of the same amount under my wife. About a year and half ago I suffered from severe financial difficulties that I no longer can afford to maintain my payments. I employed XXXX XXXX XXXX XXXX of MA. to handle my repayments. XXXX XXXX accepted the arrangements and as evidence I have copies of cancelled checks to support my claims. Lately, I received E-Mails and letter of collection from Ad Astra for more than {$3000.00} and had refused to accept the cancelled checks as evidences of payments. They stated that the payments made were just for interest only. As a result of the derogatory remarks on my credit history, I ended up being turn down by XXXX XXXX XXXX for housing and in spite of my grant for an automobile grant as a XXXX veteran, I ended up with a higher payment interest rate because of this.
Product: Debt collection

This debt was supposed to paid worker compensation because I was injury but Stalling fin Group put this debt on my credit report ... .even when this debt was paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX BANK XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  stated that they were able to verify a bankruptcy on my report dated XX/XX/XXXX from XXXX XXXX XXXX, Per XXXX my reports has been frozen as of XX/XX/XXXX and they have not shared any information on my credit file to XXXX, I also contacted bankruptcy court and they stated they do not share any information to any third party including credit bureaus. In my request for validation I have found that XXXX and Experian has falsified verification process information from a third part and not from the sources whom to which has confirmed not sharing any of my information with them and or any third party.
Product: Debt collection

Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request XXXX research these companies to find out who is who. 

15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are. 

Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.
Product: Credit reporting or other personal consumer reports

Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being.XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a true insult. I am not paying a credit repair company to resolve my credit reporting issues, and never will. I a competent human that is able to research and study consumer law, it's that simple.
Product: Credit card or prepaid card

I opened a secured credit card account with Regions in XX/XX/2017 at the XXXX XXXX branch in XXXX, Alabama. The representative was XXXX XXXX. I advised XXXX XXXX that for security reasons, I wanted the new card to go to my XXXX XXXXXXXX as I've experienced difficulty receiving mail at my residence. XXXX XXXX advised that it had to go to my residential address instead, so the card never came. I asked XXXX XXXX how long would it take for the card to be issued & she could not provide a turn around time whatsoever. I even made requests to have the card personalized ( for added protection ) & she refused. I asked for special handling ( XXXXXXXX, etc ) upon completion of the processing & she refused that, also. As a matter of fact she took the time out of this application process to comment on how her & *her* husband lived in a rented house for 3 years & paid {$750.00} for rent & then she said, " I mean {$720.00} & we wasted almost {$9000.00} per year in rent instead of home-ownership. Her comment was unsolicited, inappropriate & was tailor made to my husband & I as we rented a home for exactly 3 years & paid {$720.00}. I am a victim of whistle-blower reprisal & I recognize these types of comments as they've been made by retailers before as a form of verbal harassment. I am contacting CFPB in regards to the fact that my card was sent overnight to XXXX, Indiana in XXXX after repeated calls & inquiries to XXXX XXXX, but when the card arrived, XXXX XXXX had a fraud alert placed on the card, so upon activation, the card did NOT work. XXXX knew that she was speaking to me because I provided information that only I could provide. She claimed she was getting the hold/block lifted but I've only been able to use the card once & I've been declined at various merchants including XXXX. XXXX XXXX repeatedly asked me when I was returning to XXXX as if I had no right to visit family in another state. Her repeated interference is a violation of my civil rights & I would like to have these fraud alerts removed once and for all. Her actions are willful. She is skilled at playing dumb, but is well-aware of the damage & repeated harassment. I opened the card account for credit purposes, but her malicious acts are adversely impacting my ability to use the card and to make timely/early payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX20, AND XX/XX/XXXX20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am having a problem getting my free annual credit and consumer report from XXXX XXXX and Early Warning Services. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX XXXX XXXX I was recently in the hospital for major XXXX on my leg a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : Factual Data and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX
Product: Debt collection

The company involved is Home Point Financial, which purchased my mortgage about two years ago. By law and as listed on the loan I have from the XXXX to the XXXX to pay my mortgage without any problem or issues. In or around XX/XX/XXXX and XX/XX/XXXX due to illness and operations I end up paying my mortgage a couple of days after 15. For which I was assessed late payment penalties and paid them. Since XXXX and until this morning ( XX/XX/XXXX ) they have taken upon calling me to ask for the debt payment. Even that I am not late. The caller today identified himself as a " Debt Collector. '' I have told them repetitively in all prior months ( XXXX, XXXX and XXXX ) that this is becoming a harassing situation. Today and after this call this morning is definitely a harassing situation and the reason that I now choose to report them. They promised me each time they will stop and they continue. 

I believe to be an unfair practice by this lender and I am in the process of selecting another lender for refinancing.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Midwest Recovery h as been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason : XXXX and Equifax said that they have investigated these two accounts on my credit report but failed to correct inaccurate information such as late payments on XX/XX/21 never receive a response from them until XX/XX/21 30days after the initial dispute. These are the two accounts that list late payments on my credit file Account # XXXX, Account # XXXX, Account Number xxxxxxxx XXXX, and Account Number xxxxxxxx XXXX. I put in a previous dispute online on these two accounts but comes back as verified, I called the two creditors about these issues and ask them to update this on my record but they also failed to do so. I don't think these late payments on these two accounts are right. XXXX failed to verify.
Product: Debt collection

Was contacted about a XXXX XXXX XXXX credit card opened in XXXX they said I owed over 17 thousand dollars or Id be taken to court I was pretty sure I had paid every prior to getting my home loan in XXXX. They kept pushing a settlement and I agreed not to the settlement but to XXXX dollars to not take me to court so I could figure out what they were talking about. I found the letters from the collection agency I paid in XXXX for this credit card. Contacted them and the refused to refund my money then the next day took XXXX dollars and over drafted my account. Called them and they keep hanging up on me this is not my debt its been paid for already. They refuse to hear me at all
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was an unauthorized transaction for {$2000.00}. They disputed my rent check and got a temporary refund and transferred it to an account I dont know. They claim it was authorized. It was not. I did not make this transaction. And they sided with the hacker. Now Im out of {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB Representative, I am writing to formally dispute the inaccuracies and violations found in my credit report, as well as to demand corrective actions and compensation for the listed violations of the Fair Credit Reporting Act ( FCRA ). Below, I provide a detailed account of the issues identified, along with my requests for resolution. 

XXXX. Inaccuracies in Reported Accounts XXXX XXXX  ( Account Number : XXXX ) Discrepancy in payment history : A 30-day late payment entry has been erroneously recorded. Violation Amount : {$1000.00} XXXX XXXX  ( Account Number : XXXX ) Incorrect reporting of a closed account with a charge-off status. The balance shows {$0.00}, yet the dispute remains unresolved. Violation Amount : {$1000.00} CAPITAL ONE ( Account Number : XXXX ) Inconsistent reporting : The account is reported positively to two credit bureaus but negatively to one, creating an inaccurate and misleading credit profile. This inconsistency violates FCRA guidelines requiring accurate and uniform reporting across all bureaus. Violation Amount : {$1000.00} XXXX. Legal Violations XXXX XXXX  : Failure to remove disputed late payment entry, violating FCRA provisions . 

XXXX XXXX  : Incorrect charge-off reporting in violation of FCRA 611.

CAPITAL ONE : Inconsistent reporting to credit bureaus, violating the FCRAs accuracy standards. 

3. Compensation Request I am entitled to statutory damages for each violation of my rights. Based on the identified issues : Compensation per violation : {$1000.00} ( statutory amount ).

Total violations : 3 Total compensation requested : {$3000.00}.

4. Resolution Demanded I respectfully request the following actions : Immediate deletion of all inaccurate information listed above from my credit report.

Payment of {$3000.00} as compensation for the violations.

Supporting Documentation I have attached a copy of my credit report highlighting the inaccuracies and violations for your review.

Closing Please address this matter promptly, as these inaccuracies and violations are causing undue harm to my financial standing. If the issues are not resolved within 30 days of receiving this letter, I will consider further legal actions to protect my rights. 

Thank you for your immediate attention to this matter.
Product: Debt collection

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX 
The account appears on my credit report with a balance of {$770.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.