23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am actively monitoring my credit, and a {$3200.00} collection showed up on my credit report. I began looking up the company to find out what kind of company it was and how this could have possibly happened. when I called the number, the last I spoke with told me that it was from an apartment I had leased. here is the story about apartment first. I signed the lease with a move in date of XXXX I already had a lease at that time an was planning on leaving my ex. I had went to view the apt and put in application with {$200.00} deposit for a move in special. my ex ended up moving out of the apt we were currently in and I stayed in my original apt . I called XXXX XXXX XXXX to inform them that I would not be taking apt and to get my {$200.00} back. The lady told me I could not get my {$200.00} back because I choose not to get the apartment.i have all my documents from XXXX at XXXX XXXX to show I had lease before and finished it after this apartment is saying I lived there. I explained this to the lady on the phone at collection agency and asked her why I never heard about non of this before it hit my credit 2 2 years later and she told me I had to take that up with apartments.i called the apartments and of course it was all new staff that informed me that they didn't know anything about this but the last staff was fired for some shady dealing. I have had the same number for 5 years and the same email for 7 years I was at my last apartment for 17 month lease duration, and at my current apt for 15 months. there is no reason that all of this happened and not one notice, phone call, email nothing. I am working on dealing with the criminal side of finding out the lady that leased the apartment to me after I had told her I didn't want the apartment. This collection agency not only won't take this off my report but have now hit my credit report every month with interest dropping my score every month. please help me get them to stop I have tried everything.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report following the recent data breach affecting numerous consumers, I have discovered an unusual closed account that I have no prior knowledge of or recollection establishing. As is my right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide complete verification and validation of this purported account. Specifically, I require copies of the original contract or agreement, along with any documentation showing my signature or authorization establishing this account. I am concerned this account may be the result of the reported data breach or potential identity theft. If you can not provide this documentation within 30 days, as required by law, I demand that the account be immediately removed from my credit report. Please send all documentation to my address listed below. Until such verification is provided, I dispute the validity of this account and request that it be reported as " disputed '' to all credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Credit card or prepaid card

I have received a new replacement card for XX/XX/XXXX deposit I have notified XXXX XXXX to the point they will not fix the problem with International ATM with draws XXXX XXXX will be my 2 year anniversary in this country of XXXX my Adress : 3 private XXXX XXXX XXXX XXXX # XXXX Phone XXXX XXXX Email XXXX SS # XXXX Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the investigation i send you last week... you send me a letter saying that you closed the account because you feel i did not place the complaint..yesss it is me... XXXX XXXX ... .how do you just assume that it is not me? re open the investigation on these 3 complaint id 's... 

XXXX XXXX XXXX i have attached 2 documents for proof on the below i was divorced from XXXX XXXX since XXXX of XXXX  and the judge as part of the divorce agreements ordered me to be removed from her student loan debt to XXXX XXXX XXXX account I contacted all 3 bureaus and send them the same copy of proof that i have attached here .... They've all send a letter back stating that the account will not not be removed..this is unlawful as this was ordered by a judge... .please help have the bureaus remove this account from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXX XXXX  XXXX XXXX Account Number XXXX XXXX, XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX, Account Number XXXX  XXXX, and XXXX XXXX Account Number XXXX  XXXX has violated my rights.

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

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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I did a remodification back in XX/XX/2017 in the modification they were going to forgive me {$67000.00} I am trying to sell my house so I called for a payoff amount and they said {$250000.00}. This year in taxes we recieved a XXXX form and a XXXX form from Ocwen Loan Servicing, LLC we ended up oweing almost {$13000.00} in taxes so they kept my state and some of my federal taxes and I went on a payment plan. Ocwen is saying because we were late for a payment we owe the {$250000.00} now they are saying they did not send us both forms when i have the proof in front of me. we can only get an offer of {$180000.00} on our house they have done nothing but play games with us all my papers say regular principle balance {$190000.00} we don't know what to do at this point were we paid taxes on that money of {$67000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for my student loans to be discharged and recent they have been discharged. But that has not been reported to all three credit bureaus to be removed. Which this debt is affecting me heavily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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

Kia motor finance is charging me late fees for a bill that was for tolls sent to them they they did not pay for 3 months plus. I paid the tolls, they now want me to pay their late charges for their inability to pay their bills on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4 . The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX 11 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX XXXX # XXXX. 
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 : 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 to ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Money transfer, virtual currency, or money service

COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX / XXXX XXXX  / XXXX XXXX. I would like to bring your attention to a serious issue I have with COINBASE that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX  / XXXX  XXXX  / XXXX XXXX  - the Companies. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.
Product: Debt collection

On XXXX XXXX 2015 I sent Quality Asset Recovery a letter asking them to VALIDATE not VERIFY the debt they are attempting to collect from me. They have also reported this debt to the XXXX credit bureaus without my consent or awareness. I am very upset that they have tarnished my credit with this outrageous claim that I owe them any money at all. They have prevented me from obtaining any future credit and all attempts to communicate with there very rude representatives over the phone have gone no where. They have violated my rights under the Fair Credit Reporting Act and have not even followed the Fair Debt Collection Practice Act which states they have to to stop all collection activity while the debt is being investigated and disputed. They have blatantly ignored my letter to them which I have attached as proof.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can furnish a account without my written instructions
Product: Credit card or prepaid card

Became aware I was a victim of identity theft on XX/XX/2018. Reported to police XXXX and to IdentityTheft.gov # XXXX. 
Followed procedures outlined sent registered letter notifying them of the fraudulant charges on my account. They reviewed then sent a form letter denying my claim and returned the charges to my account. All the other institutions upheld my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a hard inquiry : XXXX XXXX XXXX  on XX/XX/2021. 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but Equifax provided me with no concrete proof that it was authorize by me. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX 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: Debt collection

i am not liable for this debt with I.C. SYSTEM, INC, an do not have a contract with I.C. SYSTEM, INC, An they did not provide me with the original wet ink application like I asked.
Product: Debt collection

the company commonwealth financial have went ahead and enter on credit file two amounts that is not mine from XXXX XXXX for ammount XXXX AND XXXX for date XXXX, I have not gone to this hospital at all for any treatment or visit, so this debt is for someone else and need to de deleted asap, the tel # XXXX address : XXXX XXXX XXXX, XXXX, pa. XXXX. They have the wrong person credit file, need deleted from XXXX, XXXX, and XXXX. please you have help me before and I was happy with results.
Product: Mortgage

I have been on forbearance ( due to the death of the co-owner of our home and then XXXX. After paying my mortgage without my brother I paid my mortgage for almost a year on time and sometimes in advance. In pre-planning for the future missing that VA income from my brother. I applied for a loan modification, and even forbearance, with absolutely no reason, was denied so many times until I received the assistance from CFPB. I am ready to get back to business with lower payments and I am still having trouble with this lender as follows : Applied for loan reconstruction, denied for lack of documentation in a timely manner and did not even know it, upon another follow-up call found that out prior to that nothing in writing. Then after the fact, I received letter of denial. In the interim, every single time additional documents were requested I sent immediately, I know the drill on time is of the essence and I have a paper trail of every documentation that I sent. 

I then moved forward and resubmitted the entire package again with 51 attachments. Today XXXX XX/XX/2021 XXXX, the date of this complaint, I called, to follow-up and found out, they need more documentation, that I again had sent, now 4 times. Its not my credit because the only thing that is effecting my credit is the lender. 

What now? 

Thank you. 

XXXX XXXX
Product: Student loan

Fed Loan continues to make extremely expensive mistakes with my student loans. I am on a income driven repayment plan as well as the Student Loan Forgiveness Plan as a XXXX XXXX XXXX. Every year I submit evidence of employment and as for a calculation for qualified payments as is recommended by Fed Loan. And every year they make mistakes calculating how many of my payments are qualified when they are clearly all qualified. This year, they are claiming only 6 payments are qualified. I havent missed  any payments. I pay what they told me to pay. I fill out all the forms on time. I do everything they tell me to do. And when they make mistakes I tell them so. And they deny it. Every. Single. Time. Its like corruption is part of their policy. Its like they try to see if people are paying attention and what they can get away with. In my case, I stand to lose thousands of dollars. My anxiety caused by having to deal with this totally corrupt and insanely disorganized company has profoundly affected my life. I cant afford a lawyer to sue them, and they need to be sued. The CFPB is my only hope. I need the last two years need to be recalculated. The last time I requested the CFPB to help with my account you found over 10 of my qualified payments hadnt been counted!!!!! And now Im having to reach out again for the same reason!!! Its unacceptable!