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

This is my fourth 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 Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX, DE XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  XXXX Inquired on XX/XX/2022 2022
Product: Debt collection

I have been given a final bill credit from XXXX XXXX XXXX for {$75.00} via prepaid debit card. I have received bills from 3 different collectors trying to falsely collect this money after I reported it to the credit bureau and they investigated and removed it from my credit report. I still have the credit letter from XXXX XXXX XXXX for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account Numbers : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX submitting this requsest in regards to my initial dispute to the credit bureaus ( TransUnion, XXXX and XXXX ). I submitted a request for validation for account numbers : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX ) I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past XXXX days and the bureaus have not responsed and also the following information was not provided. 

I requested each bureau to provide me with the following : What the money XXXX XXXX and XXXX XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Also, its has been XXXX days and no comment and/or remark have been made to my XXXX report under account number XXXX to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.
Product: Debt collection

Everyday in XXXX I received a phone call, mostly after XXXX XXXX and earlier than XXXX XXXX 

Company was ordered to show cause and failed to do so. 

IN THE XXXX  COURT OF XXXX XXXX, NEBRASKA Velocity Investments , LLC XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX Pursuant to XXXX XXXX XXXXXXXX XXXX, this action stands dismissed. 

Date : XX/XX/year> BY THE COURT : _____________________________________ XXXX. XXXX XXXX
Product: Credit card or prepaid card

Please see attached complaint under my current name, I'm using my old name since this is what you recognize. In addition to my repeating the same material to get you to respond to that complaint, I need you to update my name to my current and maiden name, XXXX XXXX. You were absolutely wrong to reject the last complaint, I had given you my address and social. I will be giving a full account number and social with this complaint. FYI your past XXXX XXXX XXXX XXXX IS XXXX XXXX XXXX XXXX In addition : I have used the Home Depot credit card for over 20 years in like all of my credit items I am never late for any cost due. I am a terrific client for them. It was XXXX XXXX and it was shown to me that on my XXXX credit report that I missed a payment on my credit report and I was surprised. In reality I never received the bill because I had moved during several months of which I never made a purchase and had left it a XXXX balance. I never needed to worry or consider the fact that I moved and had put on mail forwarding. Because of this, Home Depot said that they would not incur incur a late charge or a late notice on my credit report and Ive asked them to remove it and its not working out too well. They said theyd remove it at in store and on phone discussions. Out of good faith and the fact that they sent it to the wrong place and I never knew of the charge not being handled effectively, not even online because I dont have an online account, we all thought it was invalid and it shouldnt be on the report. But its still on there. AS AN UPDATE, you didn't even mail it to the right person, I changed my name years ago. It's no wonder mail forwarding didn't work and I got no notice of the charges
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I did chapter XXXX bankruptcy, I decided to keep my mobile home through ditech financial. I paid ditech through the trustee, that same year we had a horrible hail storm and it did XXXX in damage to my home, the home needs new Windows, siding and a new roof, I contacted ditech for 5 or 6 months to no avail, so I took them off the bankruptcy and stopped paying them. Next I offered them a settlement on my house I've been paying on since XX/XX/XXXX, originally the mortgage was XXXX and after paying from XX/XX/XXXX to XX/XX/XXXX I now owe XXXX. I offered XXXX for a settlement and they said yes but needs all XXXX at once. I can't come up with that, so currently they left a house is vacant and abandoned sticker on my door. I've had nothing but problems from this company, XXXX was my first holder and they charged XXXX convenience fee when paying over the phone, ditech does the same thing. Please help and thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

i contaceted the XXXXXXXX XXXX XXXX and they wont do anythine to fix they said it is auto type reporting and in a few months it will be fixed? underwriters handle this only this XXXX XXXX XXXX XXXX XXXX i am send you thir statement under the name XXXX bank card thay take the payment out of my bank under the name XXXX XXXX wont even talk to me i called
Product: Debt collection

I received several calls from XXXX  in regards to owing a debt. I told them I minimally used this card since opening the account. There were tons of charges on the account that I didnt authorize. I called into XXXX XXXX department and they did nothing to help me. Ive been violated according to 18 US Code 1028a. They charged off my account without my consent and has caused great financial hardship due to them not doing there job and investigating the fraud that took place.
Product: Credit reporting or other personal consumer reports

I've discovered a billing error!! 12 CFR 1026.13. I've noticed XXXX XXXX reporting my personal information to third-party companies such as consumer reports XXXX, XXXX XXXX XXXX without my written consent. Security fraud. 15 USC 1601, ( 15 USC 1605 ) 15 USC 1635 A- B
Product: Checking or savings account

Beginning on XX/XX/XXXX and XXXX XXXX, Capital One users experienced significant disruptions, including the inability to receive direct deposits, process electronic payments, or complete ACH transfers. I contacted Capital One multiple times to seek assistance, but no resolution or clear explanation was provided. Initially, I assumed the issue stemmed from my employer. 

On XX/XX/year>, Capital One finally issued a mass email to customers at XXXX XXXX acknowledging the technical issue and providing an estimated timeline for resolution. Despite this communication, the issue persisted beyond the stated timeframe. 

During this period, I attempted to pay at a restaurant, only for my card to be repeatedly declined. The situation escalated when the restaurant staff suspected fraudulent activity and contacted law enforcement, leaving me humiliated and distressed.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these closed accounts are affecting my credit scores and it is negatively affecting me as a person. I am unable to get more financial opportunities because of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuse to give me a credit report and update my information Someone also got a copy of my credit report without my permission They refuse to update my credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXXXXXX XXXX is already satisfied and paid
Product: Credit reporting or other personal consumer reports

According to my most recent credit report, your company is continuing to report unauthorized inquiries even after my dispute letter that was sent on XX/XX/2024. I did not grant any organization authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The creditor and the CRA 's failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I am once again demanding that the following inquiries are deleted from my credit report : XXXX XXXX XXXX TRANSUNION, XXXX TRANSUNION, XXXX XXXX TRANSUNION, XXXX XXXX TRANSUNION , XXXX XXXX TRANSUNION, XXXX XXXX  TRANSUNION, XXXX XXXX TRANSUNION, XXXX XXXX  TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am complaining because of Experian allowing fraudulent information to be reported on my credit profile. I am a victim of Identity Theft and I would like to have the fraudulent accounts removed from my profile.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the allegedi debt, nor therefore any such debt, in fact therefore exist
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a wire of XXXX usd to company called coinbase, the money was to be credited to my account with Coinbase, i planned on using these funds to purchase crypto currency. I was informed via email from Coinbase on XX/XX/XXXX, that the wire can not be processed due to the wire not being sent from my personal account. I was informed via the same email that the wire would be returned within 7 business days. Today is XX/XX/XXXX, almost 2 months since I've sent the the wire. I have submitted multiple cases to which I am receiving no response, I have escalated, I have called, Ive filled a complaint with the Attorney General. I have bills that I am behind on and request your aid in resolving this issue. 

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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, has violated my rights, and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listed on my account as a collection. I have no idea what this account is and need some validation. I have contacted this company several times via mail about this account. This account is incorrect and should not be listed.
Product: Debt collection

After you investigated this and removed it they rereoorted it with double amount. I think this is a duplicate if XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the consumer report sent by your company via electronic form through Equifax, XXXX and XXXX. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term XXXX means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and inaccurate report bankruptcy with XXXX  XXXX and Equifax. I reached out to the bankruptcy court and was told that they do not furnish this information to the credit bureaus. However XXXX  sent a letter saying the plaintiff attorney verified the bankruptcy. The bankruptcy court provided me a letter ALREADY stating that this was false so clearly XXXX  is lying. 

I have reached out to an attorney and will file a suit against XXXX  Equifax and XXXX for inaccurate reporting Equifax and XXXX  claim they for their information from XXXX XXXX. However XXXX XXXX doesnt have this information in their file and claims that they never verified this info with the bankruptcy because they can not verify false information
Product: Student loan

My son decided to try to better himself by going to XXXX in XXXX, he was grown with a family, but XXXX XXXX, now, Navient, insisted he get me to cosign the loan, which I did. He has kept up on the payments for the most part, but they will not give me loan information, even though the late notices and phone calls come to me. He says they will not answer his questions either. When I paid off my student loan, twenty five years ago, I had the same problem. You would think things were better now.
Product: Credit card or prepaid card

I used my CapitalOne credit card to pay for a service from XXXX. XXXX never completed their end of the agreement and I spent months trying to work with them and ended up never getting a response. Since they refused to refund me the money, I called CapitalOne to explain the situation and dispute the charges. After sending in documentation that showed the company was unresponsive, CapitalOne reversed the charge on my account, only to reverse it again and tell me the charges were valid. The initial charges were on XX/XX/2021 for {$470.00}, {$1000.00}, {$150.00} and another charge on XX/XX/2021 for {$100.00} bringing the total to {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After calling Experian consumer dispute department 2 times I was told that I could not dispute an incorrect address that was on my credit report because it was being reported by a Creditor. I was under the impression I am legally able to dispute any information that I feel is incorrect or in accurate that is being reported. I know that I did not report the address in  question which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Experian representatives made it clear to me that is was my duty to contact the original creditor ( which I explain to them that I did ). To have that removed. I explained that I did not understand that when SECTION 611 of the FCRA makes it clear my rights to have an investigation perform  buy the CRA 's and I was told by representatives XXXX Team XXXX XXXX XXXX- XXXX  XXXX  that they will not even so much as submit my request to dispute! I felt that was incorrect and completely against the law.
Product: Vehicle loan or lease

Car dealer in XXXX created predatory loan, accepted the bad credit of the purchaser to cosign and co-buy the car, while original purchaser was denied loan due to poor credit, that same person was then allowed to cosign for the vehicle. I was under the impression that I was cosigning for the vehicle because I had more stability and better credit. The dealer allowed a XXXX old XXXX  XXXX with only partime employment to cosign. That person was told that credit would build based off of the purchase and car could be refinanced in original purchaser name after 6 months refinance later denied. That person gave trade vehicle not sure if value was added or deducted from the loan. I recently received statement saying payoff roughly $ XXXX less after first attempt calling out the loan terms. The original purchsaser took full responsibility for the car as would primary buyer, car was totaled X/2016. XXXX XXXX allowed only liability on the vehicle did n't require full coverage on financed vehicle of a risk loan. XXXX XXXX threatened to reposses the vehicle, if payments were n't made, no assistance only demand of payment. Car dealer finance mgr admitted to using the bad credit of original car shopper to determine finance charges it is 14.99 %. 
My credit has been severly adversely effected. I was charged a higher interest rate when processing to buy a home as a result. I had good credit and already had new financed vehicle that I am paying for. I did n't intend to purchase a 2nd vehicle the dealership was misleading when speaking to the original shopper about the vehicle she was only XXXX old at the time. 

I am now receieving notices of a payoff amt and it does n't include any info about the co-buyer. Therefore I assume this as I am being totally held responsible for the remaining balance This was predatory loan taking advantage of young shoppers. We were vulnerable and unaware of deceptive practices until I had a older family member thoroughly review the contract. 

XXXX XXXX of XXXX XXXX XXXX Capital 1
Product: Debt collection

PLEASE REMOVE FROM REPORT. 

I HAVE GOT HARRASSING PHONE CALLS FROM COLLECTOR. I DID NOT SIGN ANYTHING IN WRITING STATING I OWE THIS. THEY CALL AND HARRASS MAKING THREATS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft I have police report to confirmed I was incarcerated the time of the opening.these items is effecting me and I ask they be removed asap
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX - XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX - XXXX {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$2800.00} XXXX - XXXX $ XXXX XXXX XXXX  XXXX {$1100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$410.00} XXXX XXXX  XXXX {$460.00} XXXX - XXXX {$20000.00} XXXX XXXX XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX XXXXXXXX - XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} LATE PAYMENT : XXXX XXXX - XXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX