23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call from a representative at Credence Resource Management ( he stated that his company 's mailing address was XXXX. XXXX XXXX, XXXX XXXX, Michigan ). He attempted to verify my name and address without stating that the call was from a debt collection company. He addressed me by my maiden name ( I changed my name when I married three years ago ) and told me that they had an address on file for me in a state that I have never lived in. He stated that the call had to do with XXXX XXXX, but did not say whether he was trying to sell me XXXX XXXX or collect a debt for XXXX XXXX. I have never purchased XXXX XXXX in my life. He continued to try to verify my address and I refused. I looked up his company online and found that it was a debt collection agency. I told him that it was illegal to obtain information from a consumer without first stating that he was a debt collector. I asked to be transferred to his supervisor. I reported him to his supervisor and asked to be placed on their do not call list.
Product: Debt collection

XXXX XXXX XXXX debt {$1500.00} pls verify and validate all data this inquiry was made without my knowledge or consent
Product: Credit reporting or other personal consumer reports

I have been disputing fraud accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediate. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I was shopping at XXXX XXXX for 2 laptops for business use. At the checkout page, I selected the upgrade plus promotion which led me to the citizenspay page where I entered my personal information ( SSN. address. work income... etc ) and I was approved with a line of credit for XXXX. When I got redirected back to the XXXX XXXX page and reentered my information for checking eligibility, the citizenspay kept sending me notification that my application was denied at the moment. So I contacted citizenspay on XX/XX/XXXX and I was told to wait 3-4 business days for the upper team to troubleshoot and resolve my problem. Till XX/XX/XXXX, I finally spoke with one customer service manager XXXX who promised me that a re-verification would resolve the issue so I provided my personal information again, XXXX was on the phone with me and we went over the process again yet I still received the denied message and can not proceed to use this credit line to check out. Right now, I am being told this case has been escalated to the upper team again, and I shall wait for another 1-4 days for a response. The problem is that I can not let this delay my business progress so I have to pay out of my own pocket with full price for the laptop. I shared my concern with a dozen representatives that I need this to be resolved because I need to do the exchange within 14 days so I can use my credit line ( the only purpose I applied for it since the beginning ) and there is nothing they can do except waiting for the upper team who do research and give me solutions like clean my cache and lets reverify me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to Transunion I sent a letter last XX/XX/2022, to them regarding the unauthorized inquiries reflecting on my credit report and I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim ofidentity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation andapply their company policy to treat this as a dispute. In fact, when I called them, they stated that theirpolicy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block thereporting of any information in the file of a consumer that the consumer identifies as information thatresulted from alleged identity theft, not later than 4 business days after the date receipt by such agencyof- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) theidentification of such information by the consumer, and ( 4 ) a statement by the consumer that theinformation is not information relating to any transaction by the consumer. I submitted proof that mysocial security number, fingerprints, birthdate, addresses, and other identifying information wereaffected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all therequired documents per 15usc1681c and yet the CRA has failed to block this information and it has beenover 4 days. Again, this is NOT A DISPUTE. 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: Student loan

Hello, During the COVID-19 crisis, I made over {$15000.00} of payments towards my student loan and now it's looking like I will be laid off shortly. I need to retrieve my last 8 payments made within this last calendar year to make sure I have money if I'm unemployed. I tried contacting my loan servicer Aidvantage, and it took 2 hours to get a hold of someone and they hung up on me mid-call. This happened again 45 min later .... Then the automated machine would simply end my call. This was all during business hours! I finally got a hold of someone again after being on hold for 2 hrs and 13 min and made my request. They said there wasn't anything they could do and they'd follow-up, as they need 6 weeks of approval time! Why would my money take 6 weeks to get back to me and possibly be denied on top of that?! The law is clear, I should be entitled for repayment of my payments made after XX/XX/XXXX. Aidvantage is not cooperating with me. This was all requested on XX/XX/XXXX and I have left them several emails, only to be ignored. The emails were sent XXXX XXXX.
Product: Debt collection

Sent all information for dispute showing that the debt was from identity theft, the debt was deleted then placed back onto my report by the CBE Group who repurchased it from previous company.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting a bankruptcy. I would like the documents to at authorized them to do so. According to federal law any consumer reporting agency furnishing data must have the written consent of whom it relates. LexisNexis does not have my permission to report this alleged bankruptcy and I have a right to privacy.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Tranunions need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy Federal Credit Union made me purchase my insurance separately.
Product: Debt collection

I never received notice from XXXX that I owed {$100.00} In addition during the period in question I had account issues in moving and changing accounts, nothing financial. They never informed me ever and even on the phone repeatedly told me that owed nothing, Yet the amount showed up in collections and is now killing my credit score I was advised to pay the credit collections agency so I did, but that was in XXXX and my credit is still in the the trash of {$100.00}!!! I've never missed a payment ever!
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate 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 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 XXXXXX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inaccurate Name : XXXX XXXX Inaccurate Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Charge Off : XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX : {$1100.00} Repossession : XXXX XXXX TX XXXX Balance : {$10000.00} XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX : {$67.00} XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3500.00} Inquiries : XXXX XX/XX/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, credit repair services, or other personal consumer reports

Experian, XXXX XXXX and XXXX Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the XXXX marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXXXXXX XXXX XXXX, Last reported XX/XX/XXXX {$190.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Closed : XXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXX XXXX XXXX I never filled an application out so I'm not sure what this is XXXX XXXX XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX-? 
XXXX XXXX  Date XX/XX/XXXX Inquiry Type XXXX XXXX?
Product: Checking or savings account

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred, until they already take the money out of the account. 

Basically PNC is charging me for viewing images of checks. That is fine in principle. But the problem is that the consumer has no idea of what they are getting charged in total. There is absolutely no notice that tells the consumer how much charges they have incurred. The notice only indicates in a general way that fees will apply. 

For the last two months they have taken the following amounts out of my account : XX/XX/2018 SERVICE CHARGE {$350.00} XX/XX/2018 SERVICE CHARGE {$400.00} Yes that is right {$400.00} per month to see images of checks. Absolutely crazy. 

I complained with them and they did reimburse {$150.00} XX/XX/2018 SERVICE CHARGE ADJUSTMEN {$150.00} But then I got charged again on XXXX. This is absolutely unsustainable for me. 

No business can ever afford to pay that to see images of their checks. Some banks actually allow that as a free service. 

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred. 

This is why it is such a shock to see {$400.00} taken directly out of the account for two consecutive months. 

For this I demand a full refund of {$610.00}.
Product: Mortgage

My Loan Care through XXXX XXXX  recently took over my mortgage. They have been horrible. Their website doesnt work. Every time I try to log in, it says incorrect password. When I try to reset my password, I get an error that it cant validate right now try back later. I have NEVER missed a mortgage payment but I cant get ahold of anyone at this company. When you call, it gives you no option to talk to a live rep. Instead, there is a 5 min message on tax information. There is no way to by pass this information. I dont need information on taxes, I want to pay my mortgage payment. However, I cant talk to anyone, cant get into the website, cant pay by phone, how am I supposed to pay my mortgage payment. Honestly, Im not sure this company really exists. How do I know that they really have my mortgage and this isnt some type of fraud. I wouldnt know ... I cant reach anyone at this company. However, my old mortgage company says they have my mortgage. Im at a loss of how to make my mortgage payment.
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called TransUnion XXXX XXXX XXXX XXXX. To correct incorrect addresses displayed on XXXX XXXX. Under current address had read my previous home address was displayed and also with XXXX XXXX XXXX address. Under previous address read my current address. I had called XXXX number from TransUnion XXXX XXXX website. Yesterday on Monday XX/XX/2022 at about XXXX pm. TransUnion representative said over telephone that issue with incorrect previous and current addresses would be fixed immediately. This morning on Tuesday XXXX, XXXX 2022 at about XXXX am. I opened my XXXX XXXX account with TransUnion and found that complaint I had made to TransUnion was not corrected.
Product: Debt collection

On XXXX XXXX, 2016, I received a demand letter in the amount of {$2200.00} from CIR Law Offices XXXX. I am disputing this debt, because it does not belong to neither my wife or I. My wife and I will not pay a debt that does not belong to XXXX. 

This debt is a result of Identity theft. My Wife 's and my personal information and Identity was used with out our knowledge or consent. 

Further CIR , Law Offices XXXX Attorneys are failing to Identify them selves as Licensed Attorneys. Their demand letters have no BAR NUMBER identifying themselves as California licensed Attorneys. XXXX XXXX XXXX is not a licensed Attorney, and is representing himself as a Licensed Attorney and attempting to collect a fraudulent debt. NO Bar number is listed on XXXX XXXX XXXX 's demand letters who is representing himself as a licensed attorney.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, TramsUnion 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 receiving this complaint. Attached official police report, FTC Report and ID.
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, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, EXETER FINANCE CORP add a hard inquiry on my credit reports. 

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.