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

I have made several attempts to remove invalid " debts '' and inquiries reported by XXXX XXXX from the reporting agencies and all of the reporting agencies failed to provide the process in which it was " validated '', the contacts they validated it with and the signed contract along with the Purchase Order. They have failed within 30 days and are in violation of the FDCPA.

I have sent a Letter of Intent to File Bank Fraud charges to the CEO, XXXX XXXX XXXX who is in receipt of attached letter on XX/XX/year>. 

If the reporting agencies and CFPB do NOT remove the negative reports, they will be added to the lawsuit for aiding and abetting the crime of fraud and XXXX. These agencies are ruining lives for money and it is coming to a halt. 

Either verify and validate these so called debts or you will be sued in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from XXXX to XXXX. I received 2 letters from XXXX ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted XXXX upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in ONE DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
XXXXThe U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/ XXXX XXXX This report made by XXXX to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple time to get my consumer reports from Lexis Nexus, XXXX, and XXXX XXXX. I can not get them to provide me copies of my consumer reports.
Product: Debt collection

After an initial agreement to pay on XXXX I contacted to company to arrange to automatically withdraw a set amount. They failed to collect so I reached out once again to make sure they were automatically charging my account monthly. I was assured I was set to pay automatically and told my first payment was processing. I never received a charge to my account and no attempts to contact me were made. Yesterday ( XXXX ), in an address that is mistakenly connected to me, my father received mail that revealed debt information and that they were proceeding with a XXXX. XXXX. against me.
Product: Money transfer, virtual currency, or money service

On XXXX I had a transaction of XXXX from a third party trading company that was supposed to be deposited into my cash app account but it never showed up.
Product: Checking or savings account

I had nothing but trouble with this credit union since I opened the account. The first problem was they allowed someone to link their account to my account and did multiple external transactions which they did close that account and open another and refunded the money, the second problem was they allowed someone to do a take over of my account and do multiple XXXX transactions to themselves or whomever the person is and basically told me that it was my boyfriend and they couldn't do anything about it a totally of XXXX XXXX plus dollars gone and they did nothing but tell me oh well your problem and third and final problem is yet the same thing they allowed someone to link their account again to mines and did multiples external transfers to themselves totalling XXXX XXXX plus dollars once again got told that it was my problem cause I didn't answer the phone when they called. I don't even want the account anymore I just want my money back and they can closed the account. They don't investigate the problem and think just because the quote on quote device use is supposed to be yours they just say no error occurred. They might can get over on a older person but I am young and want all of my money back.
Product: Credit card or prepaid card

I made numerous phone calls with Wells Fargo .They have a balance transfer promotion for 0 % for 15 months what they dont want to honor at all.The promotion says you can transfer balances into your checking account and credit card account.They told me that they sent out balance transfer check what I can deposit into my checking account but it never arrived.One of them rep said it was sent out on XXXX.The check was not sent out at all according to XXXX  who I was talking to at last.After that I tried to transfer the balance into my credit card account but I was completely ignored.XXXX said she could not process none of my request for personal reason because I raised my voice because she kept reading my credit card number back incorrectly and she said that she got a bad eye sight.Why does she sit there if she can not read the number back correctly and she needs to enlarge those numbers for double of its normal size.I was on the phone for 2 hours and I could not do any balance transfer at all.I was refused non stop.They promote a false advertising on this promotion..She just wanted to find any excuses for not completing my request.XXXX  could not provide me with her ID number too when I asked her to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( g ) XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused XXXX  XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Vehicle loan or lease

I lost my job XX/XX/XXXX and I've made several attempts at signing up for the hardship program supposedly offered by pended credit union and they were all denied for not providing documents that they did not contact me requesting. Essentially making it impossible for me to take part in the hardship program. I had explained to the company that I lost my job and had started XXXX XXXX XXXX I made a {$500.00} payment XX/XX/XXXX and another {$100.00} XX/XX/XXXX. I had explained to the company I was submitting payments as I had the funds and they agreed and removed late fees. On Friday XX/XX/XXXX penfed credit union left me a voicemail dating they needed to speak to me about a time sensitive matter. I had planned to call them Monday XX/XX/XXXX during their business hours as they are not open on weekends. My front wheel drive car was pulled screeching by the back wheels down the road XX/XX/XXXX at XXXX BEFORE their office was even open for me to return the phone call. My car was taken with my firearm and personal belongings in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers 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 fr
om 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.
Product: Debt collection

I and my sibling were renters in an apartment complex and failed to give our 60 days vacate notice. Our lease agreement states that we " will be responsible for an additional months rent '' ( $ XXXXmonth per lease agreement ) if the vacate notice was not given, yet we were charged an 'Insufficient Notice Fee ' of {$1500.00}, which is over double the {$730.00} monthly rent. While we agreed to jointly bear the responsibility of said debt as our two names were on the lease, we were not in the financial place then to pay the amount the apartment company was asking. We mutually agreed to let the bill go to collections and we would revisit it at a later date when our finances would allow. 

During this time the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, sent the bill to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I contacted said Law Office twice on XX/XX/, once shortly before XXXX XXXX and then again around XXXX. I was transferred to the same employee each time. 

During both calls, I explained that I wanted to pay my half of the total debt ( {$900.00} ) while I was on the phone and to have it taken off of my credit report. The employee stated on each call that " we don't get into personal matters '', " it's not possible to split the debt up '', and " there is no such thing as half of the debt. '' I was then told that I could pay 50 % of the total ( {$900.00} ) and the collection would be marked closed, on mine and my siblings credit reports, or I could pay 80 % ( {$1400.00} ) of the debt and it would be closed and removed, again from both mine and my siblings credit reports. 

I tried to explain that that was not fair as I would be paying at least half of the debt and the other debtor, my sibling, would not be paying anything yet would still be reaping the benefits of having the collection come off of his report. I was told " and it would work the same way if the other party was calling to pay the debt. '' I asked the employee to acknowledge the fact that " no matter who was paying the debt, it would be unfair as the other party is not paying anything and still reaping benefits. '' The employee then said " we went into a business to make money, not to be fair. '' I admit, at this point I lost my patience and asked " Then you do realize what a [ expletive ] business you work for? '' The employee began to mock saying that I can " call back when you have the {$1400.00}! '' I replied " I'll pay the {$900.00} right now. I have my debit card in my pocket, I'll pay the {$900.00} and you can just close the account. '' but the employee repeated themselves, laughed quietly, and then ended the call. 

As there are only two people on this debt, I feel it is an attempt to collect money that I do not owe if I want this taken off of my credit report. I should not be made to pay 80 % of a debt to close it and have it off of my credit report if there are two parties responsible for the debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Is A Debt Buyer That I Dont Have A contract With Binding Me To This Debt From Their Company and also Violating Medical Hisyory Via HIPPA LAW Please Remove/Delete This Account If You can not Send Me A Copy of This Contract Between me and This Debt Buyer XXXX. XXXX!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, XXXX XXXX ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX but they never installed it. Attached is the letter sent to XXXX XXXX.
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 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 collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX reached out to XXXX, XXXX, Experian by mail numerous times and yet no response putting these Bureaus over 30 days, 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The following accounts dont have account numbers which in fact shows that all three Credit Bureaus refuse to remove.

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

It has been over 30 days since you received my dispute on ( XX/XX/year> ). 
You have not responded to my Dispute and the law clearly states that information that has not been verified within 30 days of the dispute must be deleted. You are hereby put on notice that you have violated 15 USC 1681i and the blow account must be deleted immediately. 
XXXX, Experian, XXXX : XXXX XXXX XXXX XXXX, Experian, XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Product: Debt collection

I have submitted information to PARAMOUNT CAPITAL GROUP attempting to halt their illegal reporting to my credit report, and despite informing them of their infringement on my consumer rights and breaking federal law, they continue to report negatively to my credit report. They have provided no law stating they have the legal right to collect an alleged debt from me.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report, despite providing confirmation from associated banks and valid identity theft documentation. 

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

The information that is reporting on my Equifax and XXXX credit report does not reflect on my XXXX and all reports should reflect the information on the XXXX report..
Product: Debt collection

On or about XX/XX/XXXX, my credit report showed a debt with XXXX XXXX XXXX to be collected by Credit Bureau Services ( herein known as " CBS '' ). I disputed this information with XXXX, the company responded that I owe a medical debt from XXXX of XXXX. I have not received any prior notification about this debt and it only appeared on my credit report this XXXX. I attempted to contact CBS regarding the debt to make payment in full. I requested the company remove the debt from my report, which is customary practice when paying in full. The representative told me that they were unable to remove it from my report, that was up to the credit agencies. This is a lie. I have paid multiple collections in the past with written agreements and verbal agreements to remove the debt ( not just mark it as paid ) and my request was granted and the debts were removed. I informed the representative that she was lying, and she doubled down on her efforts to collect. I decided to pay the debt with the original creditor, XXXX XXXX. Upon calling XXXX XXXX, I learned that the collection amount was different from the amount owed. The amount stated owed by CBS was {$260.00}, XXXX XXXX said it was {$420.00}. I paid the full amount and informed XXXX XXXX that they must cease and desist all collection activity. I was told by XXXX XXXX XXXX XXXX XXXX that they did not have control over that but they would submit a letter to CBS saying the debt was paid. -- I also told him the address and phone number were incorrect. As you will be able to see, the address on the receipt and phone number are wrong... I haven't lived at this address or had this phone number for 4 years.